SAMBRE & CO

Active

Private limited companyfounded 20232 yrs activeRue du Général de Gaulle(CO) 71, 6180 Courcelles, BelgiumKBO/BCE: BE 1001.147.787

The computed 12-month bankruptcy probability of SAMBRE & CO is 3.0% (moderate). The 2025 annual accounts show equity of €49k and a net result of €31k. Its solvency ranks better than 81% of 10359 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

69 / 100

Healthy

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability100▲+16

Solvency94▲+42

Growth78

Track record82

Bankruptcy probability, 12 months

3.0% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €3k at 30 days acceptable

Liquidity ample (current ratio 2.97 against 1.21 in 2024; short-term debt: 30.7% and cash: 7.3% of total assets), and 30.7% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Eight signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Young company

A young company has little track record yet and statistically fails more often than an established one.

KBO · incorporation date

Age against the risk zone

Multiple establishment units

Several establishment units mean more fixed costs, and such companies fail more often than a company with one establishment.

KBO · establishment units

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 47

Relative position

BE, all sectors

reference

Sector 47

higher

← fewer bankruptcies more bankruptcies →

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

69.3%

Return on assets

43.6%

Age of the figures

9 mo

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.

NBB · 2 filings

Deviation from the deadline

2025

28 d late

2024

21 d late

← before the deadline after the deadline →

The next deadline is still running

The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.

Companies Code · seven months

Position in the running window

23-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, abbreviated schema

Equity

€49k▲ 170%

2024 · €18k

2024: €18k

2024 → 2025

Total assets

€71k▲ 6.7%

2024 · €66k

2024: €66k

2024 → 2025

Net result

€31k▲ 278%

2024 · €8k

2024: €8k

2024 → 2025

Working capital

€43k▲ 315%

2024 · €10k

2024: €10k

2024 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20242025Trend

Equity€18k-€49k▲ 170%

Operating result€8k-€33k▲ 304%

Net result€8k-€31k▲ 278%

Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result rises in 2025; 2025 is 304% above 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €71k

91.2%

Fixed assets €6k▼ 22.0%

Current assets €65k▲ 10.6%

Equity and liabilities €71k

69.3%

30.7%

Equity €49k▲ 170%

Debt €22k▼ 54.8%

The debt ratio falls from 72.6% to 30.7%. Equity is higher and debt is lower.

Key figures and ratios

2025 value · change against 2024

EBITDA

€35k▲

2024 · €10k

Cash flow

€33k▲

2024 · €10k

Solvency

69.3%▲

2024 · 27.4%

Current ratio

2.97▲

2024 · 1.21

Quick ratio

0.66▲

2024 · 0.02

Debt / equity

0.44▼

2024 · 2.65

ROE

62.9%▲

2024 · 44.9%

ROA

43.6%▲

2024 · 12.3%

Interest coverage

70.93▼

2024 · 157.51

Debt

€22k▼

2024 · €48k

Debt ≤ 1 year

€22k▼

2024 · €48k

Income taxes

€2k

Staff costs

€14k▲

2024 · €5k

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 · 2025 against 2024

Balance sheet Code20242025

Assets

Total assets20/58€66k€71k▲

Fixed assets21/28€8k€6k▼

Intangible fixed assets21€4k€4k▼

Tangible fixed assets22/27€4k€2k▼

Furniture and vehicles24€4k€2k▼

Current assets29/58€58k€65k▲

Stocks and contracts in progress3€57k€50k▼

Stocks30/36€57k€50k▼

Amounts receivable within one year40/41-€8k

Trade receivables40-€8k

Other amounts receivable41-€56

Cash at bank and in hand54/58€503€5k▲

Deferred charges and accrued income490/1€523€1k▲

Equity and liabilities

Total equity and liabilities10/49€66k€71k▲

Equity10/15€18k€49k▲

Contributions10/11€10k€10k=

Capital10-€10k

Issued capital100-€10k

Outside capital11€10k-

Share premium1100/10€10k-

Profit (loss) carried forward14€8k€39k▲

Amounts payable17/49€48k€22k▼

Amounts payable within one year42/48€48k€22k▼

Trade debts44€36k€2k▼

Suppliers440/4€36k€2k▼

Taxes, remuneration and social security45€7k€15k▲

Taxes450/3€4k€7k▲

Remuneration and social security454/9€2k€8k▲

Other amounts payable47/48€5k€4k▼

Accrued charges and deferred income492/3€87-

Income statement Code20242025

Remuneration, social security and pensions62€5k€14k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▼

Other operating charges640/8€2k€5k▲

Gross operating margin9900€17k€54k▲

Operating profit (loss)9901€8k€33k▲

Financial income75/76B-€1

Recurring financial income75-€1

Financial charges65/66B€65€493▲

Recurring financial charges65€65€493▲

Profit (loss) for the period before taxes9903€8k€33k▲

Income taxes67/77-€2k

Profit (loss) for the period9904€8k€31k▲

Profit (loss) for the period to be appropriated9905€8k€31k▲

Appropriation of the result

Profit (loss) to be appropriated9906€8k€39k▲

Profit (loss) brought forward from the previous period14P-€8k

The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 3Financial 1Filings 2

Next filing, fiscal year 2026, expected by 31-07-2027

2026

28-08

NBB filing Annual accounts filed

fiscal year 2025 · abbreviated schema · 28 days late

2025

31-12

Financial Liquidity doublescurrent ratio 2.97

Current ratio from 1.21 to 2.97; short-term debt falls from €48k to €22k.

21-08

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 21 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

3 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, Courcelles · 3 establishment units since 2024

establishment All 3 establishment units on the map

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.

Rue du Général de Gaulle(CO) 716180 Courcelles

Ground area

1,022 m²

Building footprint

194 m²

Volume, LiDAR

1,974 m³

3 parcels, Wallonia · tallest building 12.9 m, ±4 floors. Linked by address, not a title deed.

3 establishment units

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Place Franco-Belge 3, 6200 ChâteletFood and beverage service activities

since 20242.360.044.147

TABAC SHOP

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since 20242.362.097.280

SAMBRE & CO

Rue du Général de Gaulle(CO) 71, 6180 CourcellesRetail trade

since 20242.362.097.379

3 parcels

Wallonia 3 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
52016B0103/00N000	Wallonia	649 m²	1 · 69 m²	12.8 m · 4 fl.
52322B0771/00V000	Wallonia	204 m²	1 · 59 m²	12.3 m · 4 fl.
52012B0047/00B009	Wallonia	170 m²	1 · 66 m²	12.0 m · 3 fl.