Active BE 0685.825.731Non-profit association

SAMEN VOOR MORGEN

Birminghamstraat 102 ·1070 Anderlecht, Belgium· 8 yrs active

Sector: Overige detailhandel in nieuwe artikelen neg (47789)

Conclusion Checked

The computed 12-month bankruptcy probability of SAMEN VOOR MORGEN is 0.2% (very low). The 2021 annual accounts show equity of €69k and a net result of €31k. Its solvency ranks better than 88% of 2693 sector peers (fiscal year 2021). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 2 annual accounts.

Key figures

Equity	€69k
Net result	€31k
Better than sector	88%
Active	8 yrs

Financial profile 5 of 5 axes measured · computed by Checked

90 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 100

Profitability 100

Solvency 100

Growth 52

Stability 100

Bankruptcy probability (12 mo) Checked model v1 · free

0.2% Very low

0%0,5%1,5%4%10%≥25%

Lower-risk legal form −Annual accounts: weaker financial profile +Higher-failure-rate region +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

More than 3 years active

Founded in 2017, past the statistically most fragile first 3 years.

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.

Health barometer FY 2021 · computed

100 / 100 Excellent

050100

Computed from 6 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2021. Indicative, not credit advice.

Financial overview2 NBB filings

Annual accounts filed on 10-11-2022 with the NBB · fiscal year 2021 · micro

RevenueOperating resultNet result

Sector comparison

Fiscal year 2021 · NACE 47, Retail trade · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	73.8%	22.6%	better than 88% of 2693 sector peers
Net result	€31k	€3k	better than 84% of 2684 sector peers
Equity	€69k	€17k	better than 80% of 2697 sector peers
Gross operating margin	€107k	€21k	better than 87% of 2670 sector peers
Staff costs	€70k	€27k	higher than 82% of 1102 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Revenue

€6k

- 20-21

EBITDA

€36k

+286.7% 20-21

Net profit

€31k

-19.7% 20-21

Cash flow

€36k

-10.1% 20-21

Total assets

€93k

+74.0% 20-21

Equity

€69k

+80.3% 20-21

Working capital

€57k

+42.4% 20-21

Staff costs

€70k

- 20-21

Show 11 other metrics

Debt

€24k

+58.3% 20-21

Debt ≤ 1y

€19k

+247.4% 20-21

Current ratio

4.05

-52.0% 20-21

Quick ratio

4.05

-52.0% 20-21

Solvency

73.8%

+3.6% 20-21

Debt / equity

0.36

- 20-21

ROE

44.5%

-55.5% 20-21

ROA

32.9%

-53.8% 20-21

Net margin

511.6%

- 20-21

EBITDA margin

610.0%

- 20-21

Interest coverage

791.16

- 20-21

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2021
Deposit	micro
Revenue	€6k
EBITDA	€36k
Net profit	€31k
Cash flow	€36k
Staff costs	€70k
Income taxes	-
Dividends	-
Total assets	€93k
Equity	€69k
Debt	€24k
of which ≤ 1y	€19k
of which > 1y	-
Working capital	€57k
Employees (FTE)	-

Ratios (computed)

	2021
Current ratio	4.05
Quick ratio	4.05
Working capital ratio	61.7%
Solvency	73.8%
Debt / equity	0.36
Long-term debt ratio	-
Interest coverage	791.16
Gross margin	-462.8%
Net margin	511.6%
ROA	32.9%
ROE	44.5%
EBITDA margin	610.0%
Days sales outstanding	55d
Days payable outstanding	117d
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2021

Assets

Fixed assets €17k · 18.1% Current assets €76k · 81.9%

Equity & liabilities

Equity €69k · 73.8% Debt €24k · 26.2%

Full annual accounts (20 line items)

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

Line item	Code	2021
Balance sheet, Assets
TOTAL ASSETS	20/58	€93k
Fixed assets	21/28	€17k
Tangible fixed assets	22/27	€17k
Current assets	29/58	€76k
Amounts receivable within one year	40/41	€57k
Cash & bank	54/58	€20k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€93k
Equity	10/15	€69k
Accumulated profits (losses)	14	€69k
Amounts payable	17/49	€24k
Amounts payable within one year	42/48	€19k
Trade debts payable within one year	44	€11k
Income statement
Turnover	70	€6k
Gross operating margin	9900	€107k
Operating result	9901	€31k
Financial income	75	€80
Financial charges	65	€46
Result before taxes	9903	€31k
Net result for the period	9904	€31k
Result to be appropriated	9905	€31k

This table shows the latest fiscal year. 1 prior year, with figures and ratios, belongs to a paid plan. See plans →

Ratios computed by Checked.

Directors & mandates 7 directors

Directors derived from a single State Gazette act, under verification

All 7 current directors first appear in the same act (25047525). Founders or capital subscribers may have been counted as directors here; the real board composition is being verified.

Current directors & mandates

Alexander Simoen
Director
State Gazette act 25047525 (10-04-2025)

Current
10-04-2025 → present
Bert Gellynck
Director
State Gazette act 25047525 (10-04-2025)

Current
10-04-2025 → present
Haithem Bejaoui
Director
State Gazette act 25047525 (10-04-2025)

Current
10-04-2025 → present
Hans Eelens
Director
State Gazette act 25047525 (10-04-2025)

Current
10-04-2025 → present
Helena Vanrespaille
Director
State Gazette act 25047525 (10-04-2025)

Current
10-04-2025 → present
Rebecca Thys
Director
State Gazette act 25047525 (10-04-2025)

Current
10-04-2025 → present

Show 1 more sitting directors

Soumaya Khalifa
Director
State Gazette act 25047525 (10-04-2025)

Current
10-04-2025 → present

Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.

Legal Structure

NACE primary	Overige detailhandel in nieuwe artikelen neg(47789)
Legal form	Non-profit association(017)
Incorporation	12-12-2017
Status	Active
Postal code	1070

Establishment units 1 location

SAMEN VOOR MORGEN

Birminghamstraat 102, 1070 AnderlechtOverige verenigingen, neg

since 20192.290.214.441

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Brussels 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
21304B0063/00G005	Brussels	6,628 m²	1 · 3,474 m²	14.5 m · 2 fl.

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Updates 3 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025

10-04-2025

State Gazette act Director changes

2022

10-11-2022

NBB filing Annual accounts filed

fiscal year 2021 · micro

2021

22-12-2021

NBB filing Annual accounts filed

fiscal year 2020 · micro

Belgian State Gazette reading coverage 0 of 6 acts read

We know of 6 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

All acts · 1 updated 1 year ago

2025

10-04-2025 7 directors appointed Director changes

Helena Vanrespaille, Bestuurder
Soumaya Khalifa, Bestuurder
Rebecca Thys, Bestuurder
Haithem Bejaoui, Bestuurder
Bert Gellynck, Bestuurder
Alexander Simoen, Bestuurder
Hans Eelens, Bestuurder

Original publication ↗

Technical details

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Credit advice verdict per customer and amount

Company registry (CBE) Crossroads Bank

Activities

Overige detailhandel in nieuwe artikelen neg47789Markt- en straathandel in andere artikelen47890Overige verenigingen, neg94999Cateringdiensten op contractbasis en overige diensten in verband met maaltijden56220Overige eetgelegenheden56290Onderwijs voor sociale promotie85591

Primary activity highlighted.

Names & trade names

Legal nameNL	SAMEN VOOR MORGEN
AbbreviationNL	SVM

Registered office

Birminghamstraat 102

1070 Anderlecht, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.

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