Liquidity
32.54 was 4.70 in 2024
Short-term debts fell from €2,842 to €595.
Samina
Lifetime
11 annual accounts with figures on one time axispeak €10,850 (2020)
€10,565▲ €10,945
lowest -€3,854 (2023)
€9,626▲ €10,317
peak €19,391 (2020)
€18,761▲ 105%
€595▼ 85.9%
Board1 name since 2014
1 directorCarremans Samina
Documentsfilings and deeds
17-08-202617 days late
2025micro format
Gross margin from -€380 to €10,565Back to profit: €9,626Equity from €9,134 to €18,761Debts from €4,228 to €595Cash from €8,579 to €17,465
Key points
from the 2025 annual accountsFilings
11 annual accounts since 2015
Eight of the last ten came late. The 2019 accounts came latest: 33 days after the end of the period.
Position in the sector
96.9%
Higher solvency than 95% of companies in wholesale trade. Sector median 40.5% · 13,797 companies.
Checked score
99
Excellent
Financially stronger than 94% of micro companies in wholesale trade (NACE 46)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.4% across 26,892 companies (NACE 46, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.2%
01-2025: 0.1%▼ -0.1 percentage points vs 12-2024
02-2025: 0.1%● unchanged vs 01-2025
03-2025: 0.1%● unchanged vs 02-2025
04-2025: 0.1%● unchanged vs 03-2025
05-2025: 0.1%● unchanged vs 04-2025
06-2025: 0.1%● unchanged vs 05-2025
07-2025: 0.2%▲ +0.1 percentage points vs 06-2025
08-2025: 0.1%▼ -0.1 percentage points vs 07-2025
09-2025: 0.1%● unchanged vs 08-2025
10-2025: 0.1%● unchanged vs 09-2025
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025
02-2026: 0.1%● unchanged vs 01-2026
03-2026: 0.1%● unchanged vs 02-2026
04-2026: 0.1%● unchanged vs 03-2026
05-2026: 0.1%● unchanged vs 04-2026
06-2026: 0.1%● unchanged vs 05-2026
07-2026: 0.1%● unchanged vs 06-2026
08-2026: 0.2%▲ +0.1 percentage points vs 07-2026highest value
09-2026: < 0.1%▼ -0.2 percentage points vs 08-2026lowest value
10-2026: < 0.1%● unchanged vs 09-2026lowest value
11-2026: < 0.1%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
raises risk
Size: total assets €19,355
lowers risk
Liquidity: current ratio 32.54, cash €17,465
Founded in 2014
Equity €18,761 (96.9% of total assets)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 46, micro). It does better than 90% of them on solvency, 98% on liquidity, 95% on profitability and 94% on growth.
The bankruptcy probability was computed on 07-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 34,693 companies had the same profile as Samina has now. Each dot stands for 87 companies, two years later.
95.3%
were still trading
3.9%
stopped another way
0.7%
went bankrupt
That fits the bankruptcy probability of Samina itself: < 0.1% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 34,693 companies, not a prediction for Samina. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €1,500 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 32.54 (4.7 in 2024), above the usual 1.5. Short-term debt is 3.1% and cash 90.2% of total assets. 3.1% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises risk
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €18,761
raises risk · 2025 accounts filed 17 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 17-08-2026, 17 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filingsDeviation from the deadline
2025
17 days late
2024
3 days early
2023
6 days late
2022
23 days late
2021
25 days late
2020
23 days late
2019
33 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 18 days after the deadline. In the sector (NACE 46), the median for financial year 2024 was 3 days before the deadline, and 39% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 17 August (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
08-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0545752781
Change of role: Carremans Samina, from manager to director
“Groot- en kleinhandel in mediterrane producten zoals kleding,lederwaren,schoeisel,draagtassen,...alsook van…” (deed in Dutch) · Director discharge: Carremans Samina · General meeting of 01-12-2023 · Gazette deed
Incorporation
published on 13-02-2014 · Gazette deed
First establishment
Lillo Steenweg 52, Houthalen-Helchteren
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Samina Houthalen-Helchteren | €19,355 | €10,565 | 96.9% | - |
| GENERAL CONNECTOR Bree | €41,946 | €11,229 | 99.3% | - |
| JAKJAK Waterloo | €44,607 | €11,757 | -253.3% | - |
| BPI Grez-Doiceau | €31,911 | €26,997 | -16.5% | - |
| HEMERA MAN TRACE Forest | €24,754 | €7,654 | 30.6% | - |
| HOUSE OF MIRACLES Brasschaat | €63,455 | €6,918 | 48.2% | - |
| ETOL HYGIENE Halen | €38,786 | €43,008 | 9.8% | - |
These companies have the same main activity as Samina: non-specialised wholesale trade (NACE 46900). They are comparable in size and age: total assets between €24,800 and €63,500, founded between 2010 and 2017.
Official details
Source: KBO- Status
- Active since 04-02-2014Normal situation
- Activity
- Non-specialised wholesale tradeNACE 46900and 1 other
- Establishment unit
- 2.227.525.7173530 Houthalen-Helchteren, since 30-01-2014
- Financial year end
- 31 December
- Peppol
- Reachable since 28-03-2025
Insights on Samina
Samina files the micro format. That format states no turnover. The gross margin rose from €9,808 in 2015 to €10,565 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about Samina
- What is the company number of Samina?
- The company number of Samina is 0545.752.781. The VAT number is the same number with BE in front: BE 0545.752.781.
- Where is Samina based?
- The registered office is at Lillo Steenweg 52, 3530 Houthalen-Helchteren.Company details
- What does Samina do?
- According to the KBO register, the main activity is non-specialised wholesale trade (NACE 46900).
- What is the legal form of Samina?
- Samina is a private limited company (BV).
- When was Samina founded?
- Samina was founded on 04-02-2014.
- Is Samina still active?
- Yes, Samina is an active enterprise in the KBO register.
- What is the turnover of Samina?
- The turnover in financial year 2025 is ≈ €130,000. This figure is estimated from the gross margin of €10,565 and 212 comparable companies (NACE 46). It probably lies between €63,000 and €340,000. It is a rough estimate.Financials
- Is Samina profitable?
- In financial year 2025, Samina made a profit of €9,626.
- Where can I find the annual accounts of Samina?
- Samina filed 11 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of Samina due?
- Samina must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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