Samina
ActiveThe computed 12-month bankruptcy probability of Samina is 1.8% (moderate). The 2025 annual accounts show equity of €50k and a net result of €-22k. Equity is growing by ~4.4% per year across the filed fiscal years. Its solvency ranks better than 61% of 13240 sector peers (fiscal year 2025). The company has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
48
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability21▲+5
Solvency68▼-3
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity short (current ratio 0.66 against 0.86 in 2024; short-term debt: 39.9% and cash: 7.1% of total assets), and 57.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
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
42.8%
Return on assets
-18.5%
Age of the figures
9 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 · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-22k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 21-07-2026, 10 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
10 d early
2024
49 d late
2023
128 d late
2022
44 d late
2021
on the day
2020
6 d early
2019
63 d late
← 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€50k▼ 30.2%
2024 · €72k
2018: €51k
2019: €62k
2020: €82k
2021: €95k
2022: €112k
2023: €101k
2024: €72k
2018 → 2025
Total assets
€117k▼ 25.1%
2024 · €156k
2018: €73k
2019: €92k
2020: €88k
2021: €122k
2022: €168k
2023: €161k
2024: €156k
2018 → 2025
Net result
€-22k▲ 27.4%
2024 · €-30k
2018: €7k
2019: €11k
2020: €20k
2021: €13k
2022: €17k
2023: €-11k
2024: €-30k
2018 → 2025
Working capital
€-16k▼ 91.0%
2024 · €-8k
2018: €46k
2019: €24k
2020: €44k
2021: €42k
2022: €10k
2023: €5k
2024: €-8k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€95k-€112k▲ 17.6%€101k▼ 9.6%€72k▼ 29.4%€50k▼ 30.2%
Operating result€22k-€27k▲ 27.3%€-8k€-26k▼ 234%€-18k▲ 31.1%
Net result€13k-€17k▲ 24.4%€-11k€-30k▼ 176%€-22k▲ 27.4%
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 €18k in 2025 against €26k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €117k
Fixed assets
€86k▼ 18.4%
Current assets
€31k▼ 39.1%
Equity and liabilities €117k
Equity
€50k▼ 30.2%
Debt
€67k▼ 20.8%
The debt ratio rises from 54.1% to 57.2%. Equity and debt are lower.
Key figures and ratios
EBITDA
€9k▼
2024 · €10k
Cash flow
€5k▼
2024 · €7k
Solvency
42.8%▼
2024 · 45.9%
Current ratio
0.66▼
2024 · 0.86
Quick ratio
0.31▼
2024 · 0.66
Debt / equity
1.34▲
2024 · 1.18
ROE
-43.4%▼
2024 · -41.7%
ROA
-18.5%▲
2024 · -19.1%
Interest coverage
2.56▲
2024 · 1.95
Debt
€67k▼
2024 · €84k
Debt ≤ 1 year
€47k▼
2024 · €59k
Debt > 1 year
€20k▼
2024 · €25k
Income taxes
€187▼
2024 · €233
Staff costs
€27k▲
2024 · €3k
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€156k€117k▼
Fixed assets21/28€105k€86k▼
Tangible fixed assets22/27€105k€86k▼
Land and buildings22€32k€27k▼
Plant, machinery and equipment23€29k€22k▼
Furniture and vehicles24€44k€37k▼
Current assets29/58€51k€31k▼
Stocks and contracts in progress3€12k€17k▲
Stocks30/36€12k€17k▲
Amounts receivable within one year40/41€17k€5k▼
Other amounts receivable41€17k€5k▼
Cash at bank and in hand54/58€5k€8k▲
Deferred charges and accrued income490/1€16k€1k▼
Equity and liabilities
Total equity and liabilities10/49€156k€117k▼
Equity10/15€72k€50k▼
Contributions10/11€19k€19k=
Reserves13€53k€53k=
Distributable reserves133€53k€53k=
Profit (loss) carried forward14-€-22k
Amounts payable17/49€84k€67k▼
Amounts payable after more than one year17€25k€20k▼
Financial debts170/4€25k€20k▼
Amounts payable within one year42/48€59k€47k▼
Current portion of amounts payable after more than one year42€16k-
Financial debts43€7k€10k▲
Credit institutions430/8€7k€10k▲
Trade debts44€30k€23k▼
Suppliers440/4€30k€23k▼
Taxes, remuneration and social security45€5k€5k▼
Taxes450/3€5k€2k▼
Remuneration and social security454/9€501€3k▲
Other amounts payable47/48-€8k
Income statement
Code20242025
Non-recurring operating income76A€12k-
Remuneration, social security and pensions62€3k€27k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€37k€27k▼
Other operating charges640/8€2k€3k▲
Gross operating margin9900€16k€39k▲
Operating profit (loss)9901€-26k€-18k▲
Financial income75/76B€2k€86▼
Recurring financial income75€2k€86▼
Financial charges65/66B€5k€4k▼
Recurring financial charges65€5k€4k▼
Profit (loss) for the period before taxes9903€-30k€-21k▲
Income taxes67/77€233€187▼
Profit (loss) for the period9904€-30k€-22k▲
Profit (loss) for the period to be appropriated9905€-30k€-22k▲
Appropriation of the result
Profit (loss) to be appropriated9906€51k€-22k▼
Profit (loss) brought forward from the previous period14P€81k-
Transfer to equity691/2€51k-
To other reserves6921€51k-
The notes to these accounts (6 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
21-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
18-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 49 days late
2024
31-12
Financial
Weakest financial yearnet €-30k
Net result drops to €-30k, the lowest in the series; recovery starts the following year.
06-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 128 days late
2023
13-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 44 days late
2022
31-12
Financial
Equity above €100kEq €112k ▲17.6%
5 profitable years in a row build equity to €112k.
31-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
25-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €20k ▲83.3%
Net result €20k, the highest in the series.
31-12
Financial
Liquidity quadruplescurrent ratio 7.75
Current ratio from 1.92 to 7.75; short-term debt falls from €26k to €7k.
02-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 63 days late
2019
21-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
01-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
23-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Pelt · 1 establishment unit since 2013
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.
Lindelsebaan 2243900 PeltGround area
595 m²
Building footprint
501 m²
Volume, LiDAR
2,074 m³
Parcel 72502D0744/00K000, Flanders · tallest building 7.3 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Lindel Baskent
since 20132.219.534.796
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72502D0744/00K000 | Flanders | 595 m² | 1 · 501 m² | 7.3 m · 1 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.
Recognitions · licences · registrations
Food safety, FASFC
1 sitePelt2.219.534.796
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Of 21,896 companies in sector 56112 we hold annual accounts for 9,783. 8,393 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded07-06-2013
Fiscal year end31-12
Activities, NACEBEL
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 13 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.