SAMIVA
ActiveThe computed 12-month bankruptcy probability of SAMIVA is 3.9% (moderate). The 2025 annual accounts show equity of €55k and a net result of €-24k. Equity is shrinking by ~6.6% per year across the filed fiscal years. Its solvency ranks better than 39% of 3644 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
Score 2025
29
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability8▼-21
Solvency44▼-22
Growth32▼-26
Track record100
Bankruptcy probability, 12 months
3.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days only on tighter terms
Liquidity short (current ratio 0.18 against 0.41 in 2024; short-term debt: 80.6% and cash: 6.3% of total assets), and 80.6% 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.
+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 · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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
19.4%
Return on assets
-8.6%
Age of the figures
9 mo
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
2122232425
2021 to 2025 · latest year €-24k
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 16-07-2026, 15 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
15 d early
2024
7 d early
2023
112 d early
2022
116 d early
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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€55k▼ 30.7%
2024 · €79k
2021: €93k
2022: €89k
2023: €85k
2024: €79k
2021 → 2025
Total assets
€283k▲ 46.3%
2024 · €193k
2021: €93k
2022: €99k
2023: €86k
2024: €193k
2021 → 2025
Net result
€-24k▼ 290%
2024 · €-6k
2021: €-7k
2022: €-3k
2023: €-4k
2024: €-6k
2021 → 2025
Working capital
€-186k▼ 176%
2024 · €-67k
2021: €68k
2022: €22k
2023: €18k
2024: €-67k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€93k-€89k▼ 3.7%€85k▼ 4.5%€79k▼ 7.3%€55k▼ 30.7%
Operating result€-7k-€-3k▲ 52.3%€-4k▼ 17.7%€-6k▼ 53.8%€-23k▼ 276%
Net result€-7k-€-3k▲ 51.8%€-4k▼ 17.3%€-6k▼ 55.4%€-24k▼ 290%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €23k in 2025 against €6k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €283k
Fixed assets
€241k▲ 64.3%
Current assets
€42k▼ 10.2%
Equity and liabilities €283k
Equity
€55k▼ 30.7%
Debt
€228k▲ 99.8%
The debt ratio rises from 59.0% to 80.6%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-21k
Cash flow
€-22k
Solvency
19.4%▼
2024 · 41.0%
Current ratio
0.18▼
2024 · 0.41
Quick ratio
0.13▼
2024 · 0.41
Debt / equity
4.15▲
2024 · 1.44
ROE
-44.3%▼
2024 · -7.9%
ROA
-8.6%▼
2024 · -3.2%
Interest coverage
-14.28
Debt
€228k▲
2024 · €114k
Debt ≤ 1 year
€228k▲
2024 · €114k
Staff costs
€13k
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€193k€283k▲
Fixed assets21/28€147k€241k▲
Tangible fixed assets22/27€147k€241k▲
Plant, machinery and equipment23€128k€185k▲
Furniture and vehicles24€10k€22k▲
Other tangible fixed assets26€8k€33k▲
Current assets29/58€47k€42k▼
Stocks and contracts in progress3-€13k
Stocks30/36-€13k
Amounts receivable within one year40/41€3k€8k▲
Trade receivables40-€340
Other amounts receivable41€3k€8k▲
Cash at bank and in hand54/58€43k€18k▼
Deferred charges and accrued income490/1-€3k
Equity and liabilities
Total equity and liabilities10/49€193k€283k▲
Equity10/15€79k€55k▼
Contributions10/11€100k€100k=
Profit (loss) carried forward14€-21k€-45k▼
Amounts payable17/49€114k€228k▲
Amounts payable within one year42/48€114k€228k▲
Trade debts44€14k€5k▼
Suppliers440/4€14k€5k▼
Taxes, remuneration and social security45-€7k
Taxes450/3-€648
Remuneration and social security454/9-€7k
Other amounts payable47/48€100k€216k▲
Income statement
Code20242025
Remuneration, social security and pensions62-€13k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€2k
Other operating charges640/8€578€593▲
Gross operating margin9900€-6k€-7k▼
Operating profit (loss)9901€-6k€-23k▼
Financial income75/76B-€1
Recurring financial income75-€1
Financial charges65/66B€154€1k▲
Recurring financial charges65€154€1k▲
Profit (loss) for the period before taxes9903€-6k€-24k▼
Profit (loss) for the period9904€-6k€-24k▼
Profit (loss) for the period to be appropriated9905€-6k€-24k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-21k€-45k▼
Profit (loss) brought forward from the previous period14P€-15k€-21k▼
Social balance
Average headcount (FTE)9087-0.4
The notes to these accounts (7 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
16-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €-24k
Net result drops to €-24k, the lowest in the series.
24-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
10-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity times 46current ratio 153.91
Current ratio from 3.33 to 153.91; short-term debt falls from €9k to €115.
06-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Zedelgem · 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.
Kronestraat 198210 ZedelgemGround area
2,754 m²
Building footprint
215 m²
Parcel 31040C0194/00E000, Flanders. Linked by address, not a title deed.
1 establishment unit
SAMIVA BV
since 20202.300.765.962
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31040C0194/00E000 | Flanders | 2,754 m² | 1 · 215 m² | - |
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 siteZedelgem2.300.765.962
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Of 20,495 companies in sector 56111 we hold annual accounts for 11,455. 9,866 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-03-2020
Fiscal year end31-12
Activities, NACEBEL
56101Full-service restaurants
56111Full-service restaurants
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.