SAMBR'HABITAT
ActiveSAMBR'HABITAT has been active since 1925 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €40.30M and a net result of €829k. Equity is growing by ~6.5% per year across the filed fiscal years. Its solvency ranks better than 63% of 4809 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2024
71
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability44▲+2
Solvency72▲+3
Growth67=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2M at 30 days acceptable
Liquidity ample (current ratio 5.82 against 5.25 in 2023; short-term debt: 4.3% and cash: 7% of total assets), but 53.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
46.5%
Return on assets
1%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 23-06-2025, 38 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
38 d early
2023
44 d early
2022
42 d early
2021
34 d early
2020
51 d early
2019
25 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, full schema
Turnover
€7.12M▲ 7.9%
2021 · €6.60M
2018: €6.04M
2019: €6.81M
2020: €6.52M
2021: €6.60M
2018 → 2022
EBIT margin
10.0%▼ 3.2pp
2021 · 13.2%
2018: 2.7%
2019: 19.5%
2020: 18.9%
2021: 13.2%
2018 → 2022
Net result
€829k▲ 22.3%
2023 · €678k
2018: €-500k
2019: €683k
2020: €618k
2021: €300k
2022: €168k
2023: €678k
2018 → 2024
Working capital
€18.01M▲ 4.2%
2023 · €17.29M
2018: €10.33M
2019: €10.80M
2020: €21.53M
2021: €19.56M
2022: €20.02M
2023: €17.29M
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€6.52M-€6.60M▲ 1.2%€7.12M▲ 7.9%
Equity€37.43M-€37.22M▼ 0.6%€38.93M▲ 4.6%€37.86M▼ 2.7%€40.30M▲ 6.4%
Operating result€1.23M-€872k▼ 29.3%€715k▼ 18.0%€1.28M▲ 78.8%€1.39M▲ 9.0%
Net result€618k-€300k▼ 51.5%€168k▼ 44.1%€678k▲ 304%€829k▲ 22.3%
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 9% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €86.63M
Fixed assets
€64.88M▼ 0.1%
Current assets
€21.75M▲ 1.8%
Equity and liabilities €86.63M
Equity
€40.30M▲ 6.4%
Provisions
€2.11M▲ 3.8%
Debt
€44.22M▼ 4.8%
The debt ratio falls from 53.8% to 51.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€3.33M▲
2023 · €3.06M
Cash flow
€2.77M▲
2023 · €2.46M
Solvency
46.5%▲
2023 · 43.9%
Current ratio
5.82▲
2023 · 5.25
Quick ratio
5.76▲
2023 · 5.19
Debt / equity
1.10▼
2023 · 1.23
ROE
2.1%▲
2023 · 1.8%
ROA
1.0%▲
2023 · 0.8%
Interest coverage
2.92▲
2023 · 2.64
Debt
€44.22M▼
2023 · €46.44M
Debt ≤ 1 year
€3.74M▼
2023 · €4.07M
Debt > 1 year
€40.48M▼
2023 · €42.35M
Income taxes
€52k▼
2023 · €59k
Staff costs
€2.94M▲
2023 · €2.77M
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€86.34M€86.63M▲
Fixed assets21/28€64.98M€64.88M▼
Tangible fixed assets22/27€64.98M€64.88M▼
Land and buildings22€63.78M€63.54M▼
Plant, machinery and equipment23€76k€73k▼
Furniture and vehicles24€45k€195k▲
Assets under construction and advance payments27€1.07M€1.07M▼
Financial fixed assets28€3k€3k=
Current assets29/58€21.36M€21.75M▲
Amounts receivable after more than one year29€11.99M€12.50M▲
Other amounts receivable291€11.99M€12.50M▲
Stocks and contracts in progress3€235k€230k▼
Stocks30/36€235k€230k▼
Amounts receivable within one year40/41€2.11M€2.21M▲
Trade receivables40€135k€97k▼
Other amounts receivable41€1.98M€2.12M▲
Cash at bank and in hand54/58€6.30M€6.07M▼
Deferred charges and accrued income490/1€724k€738k▲
Equity and liabilities
Total equity and liabilities10/49€86.34M€86.63M▲
Equity10/15€37.86M€40.30M▲
Contributions10/11€14k€14k=
Reserves13€6.62M€6.64M▲
Non-distributable reserves130/1€696k€696k=
Reserves not available under the articles1311€696k€696k=
Tax-exempt reserves132€5.92M€5.94M▲
Distributable reserves133€131€131=
Profit (loss) carried forward14€5.51M€6.32M▲
Investment grants15€25.72M€27.33M▲
Provisions and deferred taxes16€2.03M€2.11M▲
Provisions for liabilities and charges160/5€269k€269k=
Major repairs and maintenance162€269k€269k=
Deferred taxes168€1.76M€1.84M▲
Amounts payable17/49€46.44M€44.22M▼
Amounts payable after more than one year17€42.35M€40.48M▼
Financial debts170/4€42.35M€40.48M▼
Amounts payable within one year42/48€4.07M€3.74M▼
Current portion of amounts payable after more than one year42€2.57M€2.75M▲
Financial debts43€439k€53k▼
Credit institutions430/8€439k€53k▼
Trade debts44€380k€262k▼
Suppliers440/4€380k€262k▼
Taxes, remuneration and social security45€469k€427k▼
Taxes450/3€177k€90k▼
Remuneration and social security454/9€292k€337k▲
Other amounts payable47/48€216k€240k▲
Accrued charges and deferred income492/3€27k€6k▼
Income statement
Code20232024
Non-recurring operating income76A€16k€257k▲
Remuneration, social security and pensions62€2.77M€2.94M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1.78M€1.94M▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€14k€31k▲
Provisions for liabilities and charges: additions (uses and reversals)635/8€-86k-
Other operating charges640/8€773k€789k▲
Non-recurring operating charges66A€104k€145k▲
Gross operating margin9900€6.63M€7.24M▲
Operating profit (loss)9901€1.28M€1.39M▲
Financial income75/76B€581k€601k▲
Recurring financial income75€581k€601k▲
Financial charges65/66B€1.16M€1.14M▼
Recurring financial charges65€1.16M€1.14M▼
Profit (loss) for the period before taxes9903€702k€854k▲
Transfer from deferred taxes780€35k€35k▲
Transfer to deferred taxes680-€8k
Income taxes67/77€59k€52k▼
Profit (loss) for the period9904€678k€829k▲
Transfer from tax-exempt reserves789€127k€130k▲
Transfer to tax-exempt reserves689-€150k
Profit (loss) for the period to be appropriated9905€805k€809k▲
Appropriation of the result
Profit (loss) to be appropriated9906€5.51M€6.32M▲
Profit (loss) brought forward from the previous period14P€4.71M€5.51M▲
Social balance
Average headcount (FTE)908742.242.1▼
The notes to these accounts (21 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
07-08
State Gazette act
Resignations & appointmentsGeneral meeting · Auditor appointment · Auditor resignation3 facts ▸
State Gazette act
Resignations & appointments
General meeting · Auditor appointment · Auditor resignation3 facts ▸
- General meeting, 20/06/2026
- Auditor appointment, SRL Christine COYETTE-VANDEN BOSCH (réviseur d'entreprises)
- Auditor resignation, GROUP AUDIT BELGIUM
2025
23-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Highest result since 2018net €829k ▲22.3%
Operating result €1.39M, net result €829k, both a record.
17-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
19-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
10-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
06-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Back to profitnet €683k
Net result €683k after one loss-making year.
31-12
Financial
Equity above €25MEq €25.62M ▲2.7%
Equity rises from €24.94M to €25.62M.
06-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
08-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
19-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2016
06-06
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2022
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
02-08-2022
Vincent VANROSSOMME: Resigned as Director
27-10-2020
Claude BROUIR: Resigned as Director
27-10-2020
Fabrice HANCE: Resigned as Director
04-04-2019
Jean-Pierre TILLIEUX: Resigned as Director
04-04-2019
Jean-Pol MILICAMPS: Resigned as Director
04-04-2019
Pierre SERON: Resigned as Director
10-11-2016
Philippe HANCK: Resigned as Director
30-07-2015
Stéphanie THORON: Resigned as Director
30-07-2015
Xavier GOBBO: Resigned as Director
03-09-2014
Laurence TATON: Resigned as Director
Location & real-estate footprint
Registered office, Sambreville · 1 establishment unit since 2008
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Pré des Haz(TAM) 235060 SambrevilleGround area
1.4 ha
Building footprint
1,651 m²
Parcel 92121B0614/02C000, Wallonia. Linked by address, not a title deed.
1 establishment unit
SAMBR'HABITAT
since 20082.229.561.925
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92121B0614/02C000 | Wallonia | 1.4 ha | 1 · 1,651 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Statutory auditor
2 auditors| SRL Christine Coyette-Vanden BoschCurrent Réviseur d'entreprises | 07-08-2026 → present |
Show 1 earlier auditors
| Jean NICOLET Statutory auditor | - → 03-09-2014 |
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Of 12,023 companies in sector 68203 we hold annual accounts for 5,986. 688 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-05-1925
Fiscal year end31-12
Activities, NACEBEL
68202Real estate activities
68203Renting and operating of own or leased non-residential real estate, excluding land
70202
70203
Sources
Crossroads Bank for EnterprisesNational Bank · 48 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:info@sambrhabitat.be
E-mail:direction@sambrhabitat.be