SAMDAM RETAIL
Active2 interim measuresThe file of SAMDAM RETAIL contains 2 interim measures, as published in the Belgian State Gazette. The computed 12-month bankruptcy probability is 5.4% (elevated). The 2025 annual accounts show equity of €3.97M and a net result of €161k. Equity remains stable across the filed fiscal years (±2.1% per year). Its solvency ranks better than 72% of 7930 sector peers (fiscal year 2025).
Checked score
Score 2025
Axes · tick = 2024
Profitability20▲+17
Solvency79▲+3
Growth58=
Stability80
Bankruptcy probability, 12 months
5.4%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €270k at 30 days only on tighter terms
Liquidity tight (current ratio 1.03 against 0.98 in 2024), and 33.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Nine signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
66.5%
Return on assets
2.7%
Age of the figures
15 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 22-01-2026, 9 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
9 d early
2024
181 d late
2023
450 d late
2022
28 d late
2021
18 d late
2020
2 d early
2019
45 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close16-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€3.97M▲ 4.2%
2024 · €3.81M
2019: €4.41M
2020: €4.15M
2021: €4.00M
2022: €3.74M
2023: €3.78M
2024: €3.81M
2019 → 2025
Total assets
€5.96M▼ 5.1%
2024 · €6.28M
2019: €7.10M
2020: €7.10M
2021: €6.95M
2022: €6.95M
2023: €6.80M
2024: €6.28M
2019 → 2025
Net result
€161k▲ 569%
2024 · €24k
2019: €-267k
2020: €-267k
2021: €-150k
2022: €-133k
2023: €44k
2024: €24k
2019 → 2025
Working capital
€33k
2024 · €-27k
2019: €686k
2020: €459k
2021: €309k
2022: €-24k
2023: €144k
2024: €-27k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€4.00M-€3.74M▼ 6.5%€3.78M▲ 1.2%€3.81M▲ 0.6%€3.97M▲ 4.2%
Operating result€-121k-€-102k▲ 15.3%€87k€-22k€202k
Net result€-150k-€-133k▲ 11.3%€44k€24k▼ 45.5%€161k▲ 569%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €202k after a loss of €22k in 2024, the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €5.96M
Fixed assets
€4.93M▼ 1.8%
Current assets
€1.03M▼ 18.3%
Equity and liabilities €5.96M
Equity
€3.97M▲ 4.2%
Debt
€1.99M▼ 19.5%
The debt ratio falls from 39.4% to 33.5%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€364k▲
2024 · €127k
Cash flow
€323k▲
2024 · €173k
Solvency
66.5%▲
2024 · 60.6%
Current ratio
1.03▲
2024 · 0.98
Quick ratio
0.39▼
2024 · 0.40
Debt / equity
0.50▼
2024 · 0.65
ROE
4.1%▲
2024 · 0.6%
ROA
2.7%▲
2024 · 0.4%
Interest coverage
12.38▲
2024 · 3.96
Debt
€1.99M▼
2024 · €2.48M
Debt ≤ 1 year
€997k▼
2024 · €1.29M
Debt > 1 year
€997k▼
2024 · €1.19M
Income taxes
€20k▲
2024 · €290
Staff costs
€333k▼
2024 · €382k
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€6.28M€5.96M▼
Fixed assets21/28€5.02M€4.93M▼
Intangible fixed assets21€132k€94k▼
Tangible fixed assets22/27€4.89M€4.84M▼
Land and buildings22€4.82M€4.73M▼
Plant, machinery and equipment23€22k€18k▼
Furniture and vehicles24€37k€35k▼
Leasing and similar rights25€14k€55k▲
Financial fixed assets28€1k€1k=
Current assets29/58€1.26M€1.03M▼
Amounts receivable after more than one year29€255k€153k▼
Other amounts receivable291€255k€153k▼
Stocks and contracts in progress3€746k€638k▼
Stocks30/36€746k€638k▼
Amounts receivable within one year40/41€230k€177k▼
Trade receivables40€32k€13k▼
Other amounts receivable41€198k€164k▼
Cash at bank and in hand54/58€30k€48k▲
Deferred charges and accrued income490/1€0€14k▲
Equity and liabilities
Total equity and liabilities10/49€6.28M€5.96M▼
Equity10/15€3.81M€3.97M▲
Contributions10/11€1.08M€1.08M=
Capital10€1.08M€1.08M=
Issued capital100€1.08M€1.08M=
Revaluation surpluses12€2.63M€2.63M=
Reserves13€97k€258k▲
Non-distributable reserves130/1€31k€31k=
Legal reserve130€31k€31k=
Distributable reserves133€66k€227k▲
Amounts payable17/49€2.48M€1.99M▼
Amounts payable after more than one year17€1.19M€997k▼
Financial debts170/4€1.19M€997k▼
Amounts payable within one year42/48€1.29M€997k▼
Current portion of amounts payable after more than one year42€260k€253k▼
Trade debts44€786k€478k▼
Suppliers440/4€786k€478k▼
Advances received on contracts in progress46€0-
Taxes, remuneration and social security45€80k€88k▲
Taxes450/3€25k€28k▲
Remuneration and social security454/9€55k€60k▲
Other amounts payable47/48€162k€178k▲
Income statement
Code20242025
Non-recurring operating income76A€79k€0▼
Remuneration, social security and pensions62€382k€333k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€149k€162k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-10k€0▲
Other operating charges640/8€81k€51k▼
Non-recurring operating charges66A€8k€360▼
Gross operating margin9900€588k€748k▲
Operating profit (loss)9901€-22k€202k▲
Financial income75/76B€79k€9k▼
Recurring financial income75€79k€9k▼
Financial charges65/66B€32k€29k▼
Recurring financial charges65€32k€29k▼
Profit (loss) for the period before taxes9903€24k€181k▲
Income taxes67/77€290€20k▲
Profit (loss) for the period9904€24k€161k▲
Profit (loss) for the period to be appropriated9905€24k€161k▲
Appropriation of the result
Profit (loss) to be appropriated9906€24k€161k▲
Profit (loss) brought forward from the previous period14P€0-
Transfer to equity691/2€24k€161k▲
To other reserves6921€24k€161k▲
Social balance
Average headcount (FTE)90877.27.9▲
The notes to these accounts (18 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
22-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
29-08
Interim measure
Provisional administrator
Ondernemingsrechtbank Gent
08-08
Interim measure
Provisional administrator
Ondernemingsrechtbank Gent
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 181 days late
30-06
Financial
Highest result since 2019net €161k ▲569%
Operating result €202k, net result €161k, both a record.
25-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 450 days late
2023
30-06
Financial
Back to profitnet €44k
Net result €44k after 4 loss-making years.
28-02
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 28 days late
2022
18-02
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 18 days late
2021
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
16-03
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 45 days late
2019
31-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
01-03
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 29 days late
2016
22-12
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
SignalFinancial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Aalst · 3 establishment units since 2015
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.
Houtmarkt 69300 AalstGround area
3,177 m²
Building footprint
2,399 m²
Volume, LiDAR
19,495 m³
3 parcels, Flanders, Wallonia · tallest building 19.8 m, ±3 floors. Linked by address, not a title deed.
3 establishment units
SAMDAM RETAIL
since 20152.243.037.403
SAMDAM RETAIL
since 20152.243.038.787
SAMDAM RETAIL
since 20212.324.196.016
3 parcels
Flanders
2
(66.7%)
Wallonia
1
(33.3%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12025C0136/00R000 | Flanders | 1,874 m² | 1 · 1,670 m² | 19.8 m · 2 fl. |
| 41002B0423/00G002 | Flanders | 1,112 m² | 1 · 627 m² | 11.2 m · 3 fl. |
| 25782D0701/00V000 | Wallonia | 191 m² | 1 · 103 m² | 13.8 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 944 EUR awarded · 944 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 944 EUR | 944 EUR |
Schemes
Vlaams opleidingsverlof (VOV)
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Of 6,128 companies in sector 46190 we hold annual accounts for 2,554. 494 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded01-06-2015
Fiscal year end30-06
Activities, NACEBEL
46190Agents in non-specialised wholesale trade
47722Retail trade
46498Wholesale trade
47714Retail trade
47721Retail sale of footwear
68110Buying and selling of own real estate
68204Real estate activities
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:info@samdam.be
Phone:053/215079