SAMIN 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 €1.16M and a net result of €3k. Equity is growing by ~15.4% per year across the filed fiscal years. Its solvency ranks better than 29% of 2389 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
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. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 04-08-2026, 4 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 5 filingsDeviation from the deadline
2025
4 d late
2024
31 d early
2023
16 d early
2022
63 d late
2021
33 d early
← before the deadline
after the deadline →
neutral · 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.
Companies Code · seven monthsPosition in the running window
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Equity
€1.16M▲ 0.2%
2024 · €1.16M
2021: €630k
2022: €832k
2023: €941k
2024: €1.16M
2021 → 2025
Net result
€3k▼ 98.8%
2024 · €219k
2021: €130k
2022: €203k
2023: €109k
2024: €219k
2021 → 2025
Total assets
€3.26M▼ 1.3%
2024 · €3.30M
2021: €3.29M
2022: €3.34M
2023: €3.29M
2024: €3.30M
2021 → 2025
Solvency
35.7%▲ 0.5pp
2024 · 35.2%
2021: 19.1%
2022: 24.9%
2023: 28.7%
2024: 35.2%
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€630k-€832k▲ 32.2%€941k▲ 13.1%€1.16M▲ 23.2%€1.16M▲ 0.2%
Operating result€33k-€45k▲ 36.3%€47k▲ 6.5%€52k▲ 9.9%€37k▼ 29.7%
Net result€130k-€203k▲ 56.6%€109k▼ 46.2%€219k▲ 101%€3k▼ 98.8%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 30% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.26M
Fixed assets
€2.95M=
Current assets
€306k▼ 12.0%
Equity and liabilities €3.26M
Equity
€1.16M▲ 0.2%
Debt
€2.09M▼ 2.1%
The debt ratio falls from 64.8% to 64.3%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
35.7%▲
2024 · 35.2%
ROE
0.2%▼
2024 · 18.8%
ROA
0.1%▼
2024 · 6.6%
Debt
€2.09M▼
2024 · €2.14M
Debt ≤ 1 year
€340k▲
2024 · €202k
Debt > 1 year
€1.75M▼
2024 · €1.93M
Income taxes
€1k▼
2024 · €2k
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€3.30M€3.26M▼
Fixed assets21/28€2.95M€2.95M=
Financial fixed assets28€2.95M€2.95M=
Current assets29/58€347k€306k▼
Amounts receivable after more than one year29€173k€173k=
Other amounts receivable291€173k€173k=
Amounts receivable within one year40/41€68k€36k▼
Trade receivables40€18k€7k▼
Other amounts receivable41€50k€29k▼
Cash at bank and in hand54/58€97k€88k▼
Deferred charges and accrued income490/1€9k€8k▼
Equity and liabilities
Total equity and liabilities10/49€3.30M€3.26M▼
Equity10/15€1.16M€1.16M▲
Contributions10/11€500k€500k=
Capital10€500k€500k=
Issued capital100€500k€500k=
Reserves13€50k€50k=
Non-distributable reserves130/1€50k€50k=
Legal reserve130€50k€50k=
Profit (loss) carried forward14€610k€613k▲
Amounts payable17/49€2.14M€2.09M▼
Amounts payable after more than one year17€1.93M€1.75M▼
Financial debts170/4€1.93M€1.75M▼
Amounts payable within one year42/48€202k€340k▲
Current portion of amounts payable after more than one year42€195k€197k▲
Trade debts44€6k€2k▼
Suppliers440/4€6k€2k▼
Taxes, remuneration and social security45€2k€450▼
Taxes450/3€2k€450▼
Other amounts payable47/48€0€140k▲
Accrued charges and deferred income492/3€8k€8k=
Income statement
Code20242025
Other operating charges640/8€1k€5k▲
Gross operating margin9900€53k€41k▼
Operating profit (loss)9901€52k€37k▼
Financial income75/76B€209k€6k▼
Recurring financial income75€209k€6k▼
Financial charges65/66B€40k€39k▼
Recurring financial charges65€40k€39k▼
Profit (loss) for the period before taxes9903€221k€4k▼
Income taxes67/77€2k€1k▼
Profit (loss) for the period9904€219k€3k▼
Profit (loss) for the period to be appropriated9905€219k€3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€610k€613k▲
Profit (loss) brought forward from the previous period14P€391k€610k▲
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (10 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
26-08
State Gazette act
Resignations & appointmentsGeneral meeting · Director resignation · Power of attorney3 facts ▸
State Gazette act
Resignations & appointments
General meeting · Director resignation · Power of attorney3 facts ▸
- General meeting, 2026-07-31
- Director resignation, XL GROUP VLAANDEREN (niet-statutaire bestuurder)
- Power of attorney, Mondriaan Corporate & Finance
04-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 4 days late
2025
31-12
Financial
Weakest financial yearnet €3k ▼98.8%
Net result drops to €3k, the lowest in the series.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2021net €219k ▲101%
Operating result €52k, net result €219k, both a record.
31-12
Financial
Equity above €1MEq €1.16M ▲23.2%
4 profitable years in a row build equity to €1.16M.
15-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
02-10
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 63 days late
2022
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2026
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
31-07-2026
Resigned as Non-statutory director
Location & real-estate footprint
Registered office, Gent · 1 establishment unit since 2020
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.
Charles de Kerchovelaan 1879000 GentGround area
1,133 m²
Building footprint
1,122 m²
Volume, LiDAR
18,239 m³
Parcel 44805E0865/00C004, Flanders · tallest building 26.6 m, ±8 floors. Linked by address, not a title deed.
1 establishment unit
SAMIN
since 20202.307.724.426
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44805E0865/00C004 | Flanders | 1,133 m² | 1 · 1,122 m² | 26.6 m · 8 fl. |
Linked by address, not proof of ownership
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.
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MAXXIMUM
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,762. 12,335 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded04-09-2020
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70100Activities of head offices
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.