SAMEN AAN ZEE
ActiveSAMEN AAN ZEE has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €46k and a net result of €-69k. Equity is shrinking by ~14.5% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 35% of 1299 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
47
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability12▼-11
Solvency29▲+29
Growth52▼-6
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity short (current ratio 0.41 against 0.65 in 2024; short-term debt: 13.9% and cash: 3.8% of total assets), and 96.2% 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
3.8%
Return on assets
-5.8%
Age of the figures
15 mo
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 55
Relative position
BE, all sectors
reference
Sector 55
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 30-01-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
5 d late
2023
on the day
2022
20 d early
2021
4 d early
2020
2 d early
2019
42 d early
← 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 close19-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€46k
2024 · €-185k
2019: €-63k
2020: €-109k
2021: €-130k
2022: €-153k
2023: €-165k
2024: €-185k
2019 → 2025
Total assets
€1.19M▲ 247%
2024 · €344k
2019: €419k
2020: €378k
2021: €370k
2022: €354k
2023: €334k
2024: €344k
2019 → 2025
Net result
€-69k▼ 239%
2024 · €-20k
2019: €-23k
2020: €-45k
2021: €-21k
2022: €-23k
2023: €-32k
2024: €-20k
2019 → 2025
Working capital
€-97k▲ 47.6%
2024 · €-186k
2019: €-64k
2020: €-109k
2021: €-130k
2022: €-153k
2023: €-165k
2024: €-186k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-130k-€-153k▼ 17.7%€-165k▼ 8.0%€-185k▼ 12.3%€46k
Operating result€-14k-€-16k▼ 17.6%€-21k▼ 29.8%€-8k▲ 64.0%€-45k▼ 495%
Net result€-21k-€-23k▼ 8.5%€-32k▼ 40.0%€-20k▲ 36.8%€-69k▼ 239%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €45k in 2025 against €8k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.19M
Fixed assets
€1.13M▲ 224,904%
Current assets
€69k▼ 80.0%
Equity and liabilities €1.19M
Equity
€46k
Debt
€1.15M
Debt finances 96.2% of the balance-sheet total.
Key figures and ratios
EBITDA
€-38k
Cash flow
€-62k
Solvency
3.8%▲
2024 · -53.8%
Current ratio
0.41▼
2024 · 0.65
Quick ratio
0.41▲
2024 · 0.05
Debt / equity
25.03▲
2024 · -2.86
ROE
-150.2%
ROA
-5.8%▲
2024 · -5.9%
Interest coverage
-1.40
Debt
€1.15M▲
2024 · €529k
Debt ≤ 1 year
€166k▼
2024 · €529k
Debt > 1 year
€982k
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€344k€1.19M▲
Fixed assets21/28€500€1.13M▲
Intangible fixed assets21-€2k
Tangible fixed assets22/27-€1.12M
Land and buildings22-€1.10M
Plant, machinery and equipment23-€24k
Financial fixed assets28€500€800▲
Current assets29/58€344k€69k▼
Stocks and contracts in progress3€317k-
Stocks30/36€317k-
Amounts receivable within one year40/41€284€23k▲
Other amounts receivable41€284€23k▲
Current investments50/53€284-
Cash at bank and in hand54/58-€46k
Deferred charges and accrued income490/1€26k-
Equity and liabilities
Total equity and liabilities10/49€344k€1.19M▲
Equity10/15€-185k€46k▲
Contributions10/11€39k€339k▲
Reserves13€10k€10k=
Non-distributable reserves130/1€4k€4k=
Reserves not available under the articles1311€4k€4k=
Distributable reserves133€6k€6k=
Profit (loss) carried forward14€-233k€-302k▼
Amounts payable17/49€529k€1.15M▲
Amounts payable after more than one year17-€982k
Financial debts170/4-€982k
Amounts payable within one year42/48€529k€166k▼
Financial debts43€185k€24k▼
Credit institutions430/8€185k€24k▼
Trade debts44€10k€53k▲
Suppliers440/4€10k€53k▲
Taxes, remuneration and social security45-€12k
Taxes450/3-€12k
Other amounts payable47/48€334k€76k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€7k
Other operating charges640/8€7k€9k▲
Gross operating margin9900€-55€-29k▼
Operating profit (loss)9901€-8k€-45k▼
Financial income75/76B-€3k
Recurring financial income75-€3k
Financial charges65/66B€13k€27k▲
Recurring financial charges65€13k€27k▲
Profit (loss) for the period before taxes9903€-20k€-69k▼
Profit (loss) for the period9904€-20k€-69k▼
Profit (loss) for the period to be appropriated9905€-20k€-69k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-233k€-302k▼
Profit (loss) brought forward from the previous period14P€-213k€-233k▼
The notes to these accounts (14 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
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Weakest financial yearnet €-69k
Net result drops to €-69k, the lowest in the series.
05-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 5 days late
2024
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
11-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
27-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
20-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
11-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
15-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
9 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, Koksijde · 1 establishment unit since 2014
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.
Alice Nahonsquare(Odk) 98670 KoksijdeGround area
1,217 m²
Building footprint
492 m²
Volume, LiDAR
498 m³
2 parcels, Flanders · tallest building 7.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SAMEN AAN ZEE
since 20142.231.975.542
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 38018A1204/00C000 | Flanders | 626 m² | 1 · 383 m² | - |
| 38018A0824/00E000 | Flanders | 592 m² | 1 · 109 m² | 7.5 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
MOULIN DE L'EPINE
BE 0713.814.585
Bouillon · Eq €45k
DE SMISHOEVE
BE 1007.620.558
Heers · Eq €46k
CHAUFOUR DEVELOPPEMENT
BE 0454.730.852
Sint-Pieters-Woluwe · Eq €47k
Finnix
BE 1022.443.346
Zwalm · Eq €45k
FINCA
BE 0820.088.280
Chaudfontaine · Eq €45k
Of 3,001 companies in sector 55203 we hold annual accounts for 689. 495 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-01-2014
Fiscal year end30-06
Activities, NACEBEL
55203Holiday cottages, homes and apartments
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.