SAMBOUW
ActiveSummary
SAMBOUW has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €445,394 and a net result of €27,927. Equity is growing by ~12.1% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability76▼-1
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30,000 at 30 days acceptable
Liquidity ample (current ratio 63.9 against 16.08 in 2024; short-term debt: 1.5% and cash: 8% of total assets), and 1.6% of the assets are financed with debt.
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Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Construction of residential and non-residential buildings (NACE 41)
about 67% more bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
98.4%
Return on assets
6.2%
Age of the figures
18 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2026 was due by 31-10-2026 and was filed on 25-06-2026, 128 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2026
128 d early
2025
14 d early
2024
7 d early
2023
6 d late
2022
5 d early
2021
46 d early
2020
40 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 33 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2027 and is due by 31-10-2027. Nothing is late today. Usually files around 24 October (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-03-2027 close31-10-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you trust this company with building work?Contractor check Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark
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Financials · fiscal year 2025, micro schema
Equity
€445,394▲ 6.7%
2024 · €417,467
Total assets
€452,489▲ 1.9%
2024 · €444,175
Net result
€27,927▼ 2.2%
2024 · €28,544
Working capital
€433,724▲ 8.7%
2024 · €399,165
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 41, Construction of residential and non-residential buildings, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€46,744▼ 56.0%€80,419▲ 72.0%€68,563▼ 14.7%€43,679▼ 36.3%€42,912▼ 1.8%
Net result€29,281above the sector's middle half▼ 55.4%€53,021above the sector's middle half▲ 81.1%€45,551above the sector's middle half▼ 14.1%€28,544above the sector's middle half▼ 37.3%€27,927above the sector's middle half▼ 2.2%
Equity€290,351above the sector's middle half▲ 11.2%€343,372above the sector's middle half▲ 18.3%€388,923above the sector's middle half▲ 13.3%€417,467above the sector's middle half▲ 7.3%€445,394above the sector's middle half▲ 6.7%
Total assets€326,347above the sector's middle half▲ 4.6%€379,898above the sector's middle half▲ 16.4%€425,655above the sector's middle half▲ 12.0%€444,175above the sector's middle half▲ 4.4%€452,489above the sector's middle half▲ 1.9%
Debt€35,996▼ 29.5%€36,526▲ 1.5%€36,732▲ 0.6%€26,708▼ 27.3%€7,095▼ 73.4%
Working capital€269,503above the sector's middle half▲ 5.8%€328,566above the sector's middle half▲ 21.9%€378,403above the sector's middle half▲ 15.2%€399,165above the sector's middle half▲ 5.5%€433,724above the sector's middle half▲ 8.7%
Solvency89.0%above the sector's middle half▲ 5.3pp90.4%above the sector's middle half▲ 1.4pp91.4%above the sector's middle half▲ 1.0pp94.0%above the sector's middle half▲ 2.6pp98.4%above the sector's middle half▲ 4.4pp
Current ratio8.49above the sector's middle half▲ 2.5010.00above the sector's middle half▲ 1.5111.30above the sector's middle half▲ 1.3116.08above the sector's middle half▲ 4.7763.90above the sector's middle half▲ 47.83
Return on assets (ROA)9.0%within the sector's middle half▼ 12.1pp14.0%within the sector's middle half▲ 5.0pp10.7%within the sector's middle half▼ 3.3pp6.4%within the sector's middle half▼ 4.3pp6.2%within the sector's middle half▼ 0.3pp
above
within
below
the middle half (P25 to P75) of NACE 41, Construction of residential and non-residential buildings, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 2% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €452,489
Fixed assets
€11,870 ▼ 36.0%
Current assets
€440,619 ▲ 3.5%
Equity and liabilities €452,489
Equity
€445,394 ▲ 6.7%
Debt
€7,095 ▼ 73.4%
Debt's share of the balance-sheet total falls from 6.0% to 1.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€49,576▲
2024 · €47,965
Cash flow
€34,591▲
2024 · €32,830
Debt to equity
0.02▼
2024 · 0.06
ROE
6.3%▼
2024 · 6.8%
Interest coverage
38.28▲
2024 · 33.92
Debt ≤ 1 year
€6,895▼
2024 · €26,476
Income taxes
€13,690▼
2024 · €13,754
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 20,134 companies that looked in July 2024 the way this one looks now, 0.2% went bankrupt within 24 months and 95% are still going.
- Small
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.2%
went bankrupt
4.7%
stopped otherwise
95%
still going
For this company itself Checked computes a bankruptcy probability of 0.5% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 20,134 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €4,013 | €6,042 | €4,286 | €4,286 | €6,664 | ▲ 55.5% |
| Other operating charges640/8 | - | €1,413 | €1,294 | €1,119 | €1,205 | ▲ 7.7% |
| Gross operating margin9900 | €51,963 | €87,874 | €74,143 | €49,084 | €50,781 | ▲ 3.5% |
| Operating profit (loss)9901 | €46,744 | €80,419 | €68,563 | €43,679 | €42,912 | ▼ 1.8% |
| Financial income75/76B | - | €1 | - | €33 | - | - |
| Recurring financial income75 | - | €1 | - | €33 | - | - |
| Financial charges65/66B | - | €913 | €1,034 | €1,414 | €1,295 | ▼ 8.4% |
| Recurring financial charges65 | €648 | €913 | €1,034 | €1,414 | €1,295 | ▼ 8.4% |
| Profit (loss) for the period before taxes9903 | €46,096 | €79,507 | €67,529 | €42,298 | €41,617 | ▼ 1.6% |
| Income taxes67/77 | €16,815 | €26,486 | €21,978 | €13,754 | €13,690 | ▼ 0.5% |
| Profit (loss) for the period9904 | €29,281 | €53,021 | €45,551 | €28,544 | €27,927 | ▼ 2.2% |
| Profit (loss) for the period to be appropriated9905 | €34,081 | €53,021 | €45,551 | €28,544 | €27,927 | ▼ 2.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €326,347 | €379,898 | €425,655 | €444,175 | €452,489 | ▲ 1.9% |
| Fixed assets21/28 | €20,848 | €14,806 | €10,520 | €18,534 | €11,870 | ▼ 36.0% |
| Tangible fixed assets22/27 | €20,848 | €14,806 | €10,520 | €18,534 | €11,870 | ▼ 36.0% |
| Plant, machinery and equipment23 | - | €1,718 | €1,118 | €518 | - | - |
| Furniture and vehicles24 | - | €13,088 | €9,402 | €18,016 | €11,870 | ▼ 34.1% |
| Current assets29/58 | €305,499 | €365,092 | €415,135 | €425,641 | €440,619 | ▲ 3.5% |
| Stocks and contracts in progress3 | €1,239 | €1,239 | €14,549 | €1,240 | - | - |
| Stocks30/36 | - | €1,239 | €1,240 | €1,240 | - | - |
| Contracts in progress37 | - | - | €13,309 | - | - | - |
| Amounts receivable within one year40/41 | €253,659 | €278,267 | €301,257 | €384,014 | €403,297 | ▲ 5.0% |
| Trade receivables40 | - | €8,308 | €7,241 | €19,354 | - | - |
| Other amounts receivable41 | - | €269,959 | €294,016 | €364,660 | €403,297 | ▲ 10.6% |
| Cash at bank and in hand54/58 | €36,967 | €83,820 | €97,567 | €38,990 | €36,202 | ▼ 7.2% |
| Deferred charges and accrued income490/1 | - | €1,766 | €1,762 | €1,397 | €1,120 | ▼ 19.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €326,347 | €379,898 | €425,655 | €444,175 | €452,489 | ▲ 1.9% |
| Equity10/15 | €290,351 | €343,372 | €388,923 | €417,467 | €445,394 | ▲ 6.7% |
| Contributions10/11 | - | €6,197 | €6,197 | €6,197 | €6,197 | = |
| Reserves13 | €284,154 | €337,175 | €382,726 | €411,270 | €439,197 | ▲ 6.8% |
| Non-distributable reserves130/1 | - | €13,109 | €13,109 | - | - | - |
| Reserves not available under the articles1311 | - | €13,109 | €13,109 | - | - | - |
| Distributable reserves133 | - | €324,066 | €369,617 | €411,270 | €439,197 | ▲ 6.8% |
| Amounts payable17/49 | €35,996 | €36,526 | €36,732 | €26,708 | €7,095 | ▼ 73.4% |
| Amounts payable within one year42/48 | €35,996 | €36,526 | €36,732 | €26,476 | €6,895 | ▼ 74.0% |
| Financial debts43 | - | €26,653 | €19,653 | €16,653 | €1,653 | ▼ 90.1% |
| Credit institutions430/8 | - | €26,653 | €19,653 | €16,653 | €1,653 | ▼ 90.1% |
| Trade debts44 | €9,864 | €3,412 | €11,926 | €6,690 | €2,449 | ▼ 63.4% |
| Suppliers440/4 | - | €3,412 | €11,926 | €6,690 | €2,449 | ▼ 63.4% |
| Taxes, remuneration and social security45 | - | €6,461 | €5,153 | €3,133 | €2,793 | ▼ 10.9% |
| Taxes450/3 | - | €6,461 | €5,153 | €3,133 | €2,793 | ▼ 10.9% |
| Accrued charges and deferred income492/3 | - | - | - | €232 | €200 | ▼ 13.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €29,281 | €53,021 | €45,551 | €28,544 | €27,927 | ▼ 2.2% |
| + Depreciation and write-downs630 | €4,013 | €6,042 | €4,286 | €4,286 | €6,664 | ▲ 55.5% |
| Operating cash flow (approximation) | €33,294 | €59,063 | €49,837 | €32,830 | €34,591 | ▲ 5.4% |
| Investment in fixed assets (approximation) | - | €0 | €0 | -€12,300 | €0 | ▲ 100% |
| Change in cash | - | €46,853 | €13,747 | -€58,577 | -€2,788 | ▲ 95.2% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2027, expected by
2026
25-06
NBB filing
Annual accounts filed
fiscal year 2026 · micro schema
2025
17-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Liquidity quadruplescurrent ratio 63.90
Current ratio from 16.08 to 63.90; short-term debt falls from €26,476 to €6,895.
2024
24-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
06-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 6 days late
2022
26-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
15-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
21-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
31-03
Financial
Highest result since 2019net €65,691 ▲344%
Operating result €106,154, net result €65,691, both a record.
31-03
Financial
Equity above €200,000Eq €261,070 ▲33.6%
2 profitable years in a row build equity to €261,070.
2019
18-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
24-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
27-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
4 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Moorslede · 1 establishment unit since 1993
Ground area
397 m²
Building footprint
265 m²
Volume, LiDAR
1,051 m³
Parcel 36003B0139/00H000, Flanders · tallest building 7.2 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
SAMBOUW BVBA
since 19932.060.442.326
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36003B0139/00H000 | Flanders | 397 m² | 1 · 265 m² | 7.2 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Recognised contractor
1 categorySAMBOUW BV30598
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Of 29,786 companies in sector 41001 we hold annual accounts for 16,061. 9,701 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded20-11-1992
Fiscal year end31-03
Activities, NACEBEL 2025
41001General construction of residential buildings
E-invoicing
Reachable via Peppol
Peppol ID
0208:0448699333
Also
9925:BE0448699333
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.