samensterker

Active

Cooperative companyfounded 201412 yrs activeMechelsestraat 70, 3000 Leuven, BelgiumKBO/BCE: BE 0544.586.011

Summary

samensterker has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €754,957 and a net result of -€37,887. Equity is growing by ~13.4% per year across the filed fiscal years. Its solvency ranks better than 84% of 2095 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).

Risk analysisWatch Report Compare

samensterkerActiveChecked score 95/100

Risk analysis Report Compare

Activity

Other information service activities

NACE 63920NACE 63990Other business support services NACE 82990

2 sites

Size

€873,189total assets 2025

Staff: 5.3 FTE
Equity: €754,957
Loss: -€37,887

Turnover not published (abridged schema)

Financial health

95 Excellent Checked score 2025

Bankruptcy chance 12 m: < 0.1%

Structure

Board: 8 members

Accounts 52 d early2 of 12 deeds read

Why 95- Loss of €37,887, the second in a row (FY 2025)+ Liquidity: current ratio 7.31, cash €565,634+ Size: total assets €873,189+ Equity €754,957 (86.5% of total assets)Show the evidence

Checked score

Score 2025

95 / 100

Excellent

Probability in this band: under 0.55%

Better than 57% of its sector peers (NACE 63, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2024

Strong

Solvency 100=

equity 86.5% of total assets

Liquidity 98=

short-term debt 13.5% · cash 64.8%

Profitability 13+13

return on assets -4.3%

Bankruptcy probability, 12 months

< 0.1% Very low

0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (2,920 companies)

Last 12 months 11-2025: 0.1% 12-2025: 0.1%● 0.0% vs 11-2025 01-2026: 0.1%▼ -11.3% vs 12-2025 02-2026: 0.1%▼ -1.4% vs 01-2026 03-2026: 0.1%▲ +4.3% vs 02-2026 04-2026: 0.1%▼ -4.1% vs 03-2026 05-2026: 0.1%▼ -1.4% vs 04-2026 06-2026: 0.1%▲ +17.4% vs 05-2026highest value 07-2026: < 0.1%▼ -51.9% vs 06-2026lowest value 08-2026: < 0.1%● 0.0% vs 07-2026lowest value 09-2026: < 0.1%● 0.0% vs 08-2026lowest value 10-2026: < 0.1%● 0.0% vs 09-2026lowest value

Liquidity: current ratio 7.31, cash €565,634 lowers the probability
Size: total assets €873,189 lowers the probability for this profile
Loss of €37,887, the second in a row (FY 2025) raises the probability
Equity €754,957 (86.5% of total assets) lowers the probability

Credit up to €70,000 at 30 days acceptable

Liquidity ample (current ratio 7.31 against 7.63 in 2024; short-term debt: 13.5% and cash: 64.8% of total assets), and 13.5% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 63, micro). Better than this share of them on solvency 85%, liquidity 90%, profitability 17%, growth against the median 34%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

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

−lowers risk+raises risk○neutral

Liquidity: current ratio 7.31, cash €565,634

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Size: total assets €873,189

In the bankruptcy model this factor lowers the probability for this profile.

NBB · annual accounts

Loss of €37,887, the second in a row (FY 2025)

In the bankruptcy model this factor raises the probability.

NBB · annual accounts

Equity €754,957 (86.5% of total assets)

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Persistent losses

Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.

NBB · annual accounts 2025

Net result per financial year

1819202122232425

2018 to 2025 · latest year -€37,887

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 09-06-2026, 52 days ahead of the deadline.

NBB · 10 filings

Deviation from the deadline

2025

52 d early

2024

35 d early

2023

34 d early

2022

53 d early

2021

20 d early

2020

16 d early

2019

35 d early

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 35 days before the deadline; the sector median for financial year 2024 is 10 days before the deadline, and 32% of the sector filed late.

Checked, nothing found (2)

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. Usually files around 26 June (5 of the last 5 filed years within 30 days of that day).

Companies Code · seven months

Position in the running window

02-10-2026 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

22-07-26 Resignations: Jos STULENS, Stéphane DEBUSSCHERE and…Reappointments: Stéphane DEBUSSCHERE, Louie VAN…
09-06-26 Annual accounts filedfiscal year 2025 · micro…
22-05-26 Resignations: Yannick Alen (director) and Sarah…State Gazette act

Key points

Caution: Among the weakest 5% on net resultsector median €19,086 · 2,093 companies -€37,887 View
Caution: Board changedlatest change 22-07-2026 · 8 in office 8 joined · 17 left View
Positive: Result rose in 2025from -€169,995 to -€37,887 ▲ 77.7% View
Positive: Always filed on timeaccounts within the deadline every year 8 years View
Caution: 2 loss-making years in a rowloss fiscal year 2025 -€37,887 View