Active BE 0808.408.391Private limited company

SaMe

Steegsebaan 157 ·2490 Balen, Belgium· 17 yrs active

Sector: Activities of holding companies (64210)

Conclusion Checked

SaMe is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €207k and a net result of €37k. Equity is growing by ~5.2% per year across the filed fiscal years. Its solvency ranks better than 38% of 7865 sector peers (fiscal year 2025). The company has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 6 annual accounts.

Key figures

Equity	€207k
Net result	€37k
Better than sector	38%
Active	17 yrs

Financial profile 4 of 5 axes measured · computed by Checked

80 / 100

Strong profile, led by stability.

Computed on 4 of 5 axes. Not measured: health. An unmeasured axis is not a zero: no data was read for it.

Health -

Profitability 90

Solvency 52

Growth 78

Stability 100

Bankruptcy probability (12 mo) Checked model v1 · free

This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

Established

Founded in 2008, 17 years in business.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags0 events

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Checked score

Model not applicable to financial institutions

The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here.

Financial overview17 NBB filings

Annual accounts filed on 31-07-2026 with the NBB · fiscal year 2025 · micro schema

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~5.2%/year over 6 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2025 · NACE 64, Financial service activities, except insurance and pension funding · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	36.4%	51.3%	better than 38% of 7865 sector peers
Net result	€37k	€33k	better than 53% of 7869 sector peers
Equity	€207k	€132k	better than 61% of 7871 sector peers
Gross operating margin	€119k	€63k	better than 72% of 7858 sector peers
Total assets	€569k	€338k	better than 64% of 7868 sector peers

Net profit

€37k

+32.1% 20-25

Total assets

€569k

+5.2% 20-25

Equity

€207k

+22.0% 20-25

Income taxes

€16k

+31.8% 20-25

Dividends

€25k

+906.1% 20-25

Debt

€362k

-2.5% 20-25

Debt ≤ 1y

€131k

+4.0% 20-25

Debt > 1y

€215k

-8.9% 20-25

Solvency

36.4%

+16.0% 20-25

ROE

18.1%

+8.3% 20-25

ROA

6.6%

+25.6% 20-25

Figures by fiscal year and ratios

Highlight YoY changes (±10%)

Fiscal year	2025	2024	2023	2022	2021
Deposit	micro schema	micro schema	micro schema	micro schema	micro schema
Revenue	n/a	n/a	n/a	n/a	n/a
EBITDA	n/a	n/a	n/a	n/a	n/a
Net profit	€37k	€28k	€37k	€36k	€38k
Cash flow	n/a	n/a	n/a	n/a	n/a
Staff costs	-	-	-	-	-
Income taxes	€16k	€12k	€14k	€16k	€17k
Dividends	-	€25k	-	€2k	€51k
Total assets	€569k	€541k	€423k	€423k	€472k
Equity	€207k	€170k	€166k	€129k	€146k
Debt	€362k	€371k	€256k	€294k	€326k
of which ≤ 1y	€131k	€126k	€111k	€147k	€142k
of which > 1y	€215k	€236k	€141k	€142k	€183k
Working capital	n/a	n/a	n/a	n/a	n/a
Employees (FTE)	-	-	-	-	-

Ratios (computed)

	2025	2024	2023	2022	2021
Current ratio	n/a	n/a	n/a	n/a	n/a
Quick ratio	n/a	n/a	n/a	n/a	n/a
Working capital ratio	n/a	n/a	n/a	n/a	n/a
Solvency	36.4%	31.4%	39.3%	30.6%	31.0%
Debt / equity	n/a	n/a	n/a	n/a	n/a
Long-term debt ratio	n/a	n/a	n/a	n/a	n/a
Interest coverage	n/a	n/a	n/a	n/a	n/a
Gross margin	n/a	n/a	n/a	n/a	n/a
Net margin	n/a	n/a	n/a	n/a	n/a
ROA	6.6%	5.2%	8.7%	8.6%	8.0%
ROE	18.1%	16.7%	22.0%	28.0%	25.7%
EBITDA margin	n/a	n/a	n/a	n/a	n/a
Days sales outstanding	n/a	n/a	n/a	n/a	n/a
Days payable outstanding	n/a	n/a	n/a	n/a	n/a
Inventory turnover	n/a	n/a	n/a	n/a	n/a
Days inventory (DSI)	n/a	n/a	n/a	n/a	n/a

Balance-sheet composition 2025

Assets

Fixed assets €465k · 81.8% Current assets €104k · 18.2%

Equity & liabilities

Equity €207k · 36.4% Debt €362k · 63.6%

Full annual accounts (22 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025	2024	2023	2022	2021
Balance sheet, Assets
TOTAL ASSETS	20/58	€569k	€541k	€423k	€423k	€472k
Fixed assets	21/28	€465k	€454k	€358k	€327k	€355k
Tangible fixed assets	22/27	€465k	€454k	€358k	€327k	€355k
Current assets	29/58	€104k	€87k	€65k	€96k	€117k
Amounts receivable within one year	40/41	€24k	€24k	€20k	€16k	€15k
Cash & bank	54/58	€76k	€60k	€42k	€76k	€98k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€569k	€541k	€423k	€423k	€472k
Equity	10/15	€207k	€170k	€166k	€129k	€146k
Contributions / capital	10/11	€6k	€6k	€6k	€6k	€57k
Reserves	13	€201k	€164k	€160k	€123k	€89k
Amounts payable	17/49	€362k	€371k	€256k	€294k	€326k
Amounts payable after one year	17	€215k	€236k	€141k	€142k	€183k
Amounts payable within one year	42/48	€131k	€126k	€111k	€147k	€142k
Trade debts payable within one year	44	€4k	€18k	€2k	€3k	€3k
Income statement
Gross operating margin	9900	€119k	€107k	€109k	€100k	€102k
Operating result	9901	€70k	€58k	€61k	€59k	€61k
Financial income	75	€5	€11	€1	€1	€0
Financial charges	65	€16k	€17k	€10k	€7k	€7k
Result before taxes	9903	€54k	€41k	€51k	€52k	€54k
Income taxes	67/77	€16k	€12k	€14k	€16k	€17k
Net result for the period	9904	€37k	€28k	€37k	€36k	€38k
Result to be appropriated	9905	€37k	€28k	€37k	€36k	€38k

Directors & mandates 2 directors

Current directors & mandates

LAMERS Silvia
Director
State Gazette act 22339196 (20-06-2022)

Current
20-06-2022 → present
VAN HOUT Peter
Director
State Gazette act 22339196 (20-06-2022)

Current
20-06-2022 → present

Legal Structure

NACE primary	Activities of holding companies(64210)
Legal form	Private limited company(610)
Incorporation	11-12-2008
Status	Active
Postal code	2490

Establishment units 1 location

SaMe

Steegsebaan 157, 2490 BalenFinancial service activities, except insurance and pension funding

since 20092.175.048.321

Real-estate footprint Source: CBE × cadastre

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
13342B0880/00F000	Flanders	1,350 m²	1 · 185 m²	8.7 m · 2 fl.

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.

Updates 11 events

All 14Financial 3Gazette 1Filings 10

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

2026

31-07

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

31-12

Financial Equity above €200kEq €207k ▲22%

6 profitable years in a row build equity to €207k.

31-07

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

29-07

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

31-12

Financial Equity above €150kEq €166k ▲28.2%

4 profitable years in a row build equity to €166k.

19-06

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

20-06

State Gazette act Capital & shares

Hervé DE GRAEF

31-05

NBB filing Annual accounts filed

fiscal year 2021 · micro schema

2021

31-12

Financial Highest result since 2020net €38k ▲74.3%

Net result €38k, the highest in the series.

22-07

NBB filing Annual accounts filed

fiscal year 2020 · micro schema

2020

02-07

NBB filing Annual accounts filed

fiscal year 2019 · micro schema

2019

31-07

NBB filing Annual accounts filed

fiscal year 2018 · micro schema

2018

19-07

NBB filing Annual accounts filed

fiscal year 2017 · micro schema

2017

07-07

NBB filing Annual accounts filed

fiscal year 2016 · micro schema

Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Belgian State Gazette reading coverage 0 of 2 acts read

We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 1 acts

Capital history · 1

20-06-2022

Capital change

All acts · 1 updated 4 years ago

2022

20-06-2022 Restructuring of share classes Capital & shares·Hervé DE GRAEF

Notary: Hervé DE GRAEF · MolFirm: Atlas Notarissen

Original publication ↗

Technical details

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  "events": [
    {
      "kind": "statutory_reserve_release",
      "after_eur": null,
      "delta_eur": null,
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      "paid_up_delta_eur": null,
      "n_shares_destroyed": null,
      "not_yet_called_eur": null,
      "merger_new_shares_n": null,
      "merger_exchange_ratio": null,
      "distribution_amount_eur": null,
      "statutory_unavailable_equity_op": "suppress"
    },
    {
      "kind": "share_class_creation",
      "after_eur": null,
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      "before_eur": null,
      "share_emission": {
        "agio_eur": null,
        "share_form": null,
        "share_class": null,
        "n_new_shares": 744,
        "with_new_shares": true,
        "nominal_value_eur": null,
        "issue_price_per_share_eur": null
      },
      "decrease_purpose": null,
      "contribution_type": null,
      "paid_up_delta_eur": null,
      "n_shares_destroyed": null,
      "not_yet_called_eur": null,
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      "distribution_amount_eur": null,
      "statutory_unavailable_equity_op": null
    },
    {
      "kind": "share_class_creation",
      "after_eur": null,
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      "share_emission": {
        "agio_eur": null,
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        "n_new_shares": 744,
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        "nominal_value_eur": null,
        "issue_price_per_share_eur": null
      },
      "decrease_purpose": null,
      "contribution_type": null,
      "paid_up_delta_eur": null,
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      "merger_exchange_ratio": null,
      "distribution_amount_eur": null,
      "statutory_unavailable_equity_op": null
    }
  ],
  "notary": {
    "name": "Herv\u00E9 DE GRAEF",
    "firm_city": null,
    "firm_name": "Atlas Notarissen",
    "office_city": "Mol",
    "is_associated": true
  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2022-06-20",
    "filing_date": "2022-06-16",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decision": {
    "body": "buitengewone_algemene_vergadering",
    "act_date": "2022-06-07",
    "unanimous": true,
    "under_authorized_capital": true,
    "underlying_resolution_date": null
  },
  "bedrijfsrevisor": null,
  "subject_company": {
    "kbo": "0808.408.391",
    "name_full": "SAME",
    "legal_form": "BV",
    "is_foreign_registered": false
  },
  "publication_proxy": {
    "kind": "none",
    "org_kbo": null,
    "org_name": null,
    "person_name": null,
    "org_rep_person_name": null,
    "person_role_at_subject": null
  },
  "co_filed_documents": [
    "expedition",
    "geco\u00F6rdineerde statuten"
  ],
  "shareholders_after": [],
  "share_classes_after": [
    {
      "n_shares": 186,
      "class_name": "A",
      "capital_share_eur": null,
      "voting_rights_per_share": 10.0
    },
    {
      "n_shares": 558,
      "class_name": "B",
      "capital_share_eur": null,
      "voting_rights_per_share": 1.0
    }
  ]
}

Credit advice verdict per customer and amount

Company registry (CBE) Crossroads Bank

Activities

Holdings64200Activities of holding companies64210Buying and selling of own real estate68110

Names & trade names

Legal nameNL

SaMe

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