SAMO 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 €89k and a net result of €-10k. Equity is growing by ~9.8% per year across the filed fiscal years. Its solvency ranks better than 92% of 7980 sector peers (fiscal year 2025). The company has been active since 2017 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 · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-03-2026, 126 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
126 d early
2024
107 d early
2023
127 d early
2022
136 d early
2021
31 d late
2020
8 d early
2019
19 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€89k▼ 10.2%
2024 · €99k
2018: €46k
2019: €68k
2020: €77k
2021: €103k
2022: €133k
2023: €130k
2024: €99k
2018 → 2025
Net result
€-10k▲ 67.5%
2024 · €-31k
2018: €28k
2019: €21k
2020: €10k
2021: €26k
2022: €30k
2023: €-3k
2024: €-31k
2018 → 2025
Total assets
€95k▼ 18.0%
2024 · €115k
2018: €122k
2019: €132k
2020: €166k
2021: €168k
2022: €177k
2023: €163k
2024: €115k
2018 → 2025
Solvency
94.0%▲ 8.1pp
2024 · 85.9%
2018: 37.9%
2019: 51.3%
2020: 46.6%
2021: 61.4%
2022: 75.2%
2023: 79.9%
2024: 85.9%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€103k-€133k▲ 28.9%€130k▼ 2.1%€99k▼ 24.0%€89k▼ 10.2%
Operating result€38k-€43k▲ 12.3%€-1k€-32k▼ 2,343%€-11k▲ 66.0%
Net result€26k-€30k▲ 15.8%€-3k€-31k▼ 1,033%€-10k▲ 67.5%
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 €11k in 2025 against €32k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €95k
Fixed assets
€14k▼ 38.2%
Current assets
€80k▼ 12.9%
Equity and liabilities €95k
Equity
€89k▼ 10.2%
Debt
€6k▼ 65.0%
The debt ratio falls from 14.1% to 6.0%. Equity and debt are lower.
Key figures and ratios
Solvency
94.0%▲
2024 · 85.9%
ROE
-11.4%▲
2024 · -31.5%
ROA
-10.7%▲
2024 · -27.1%
Debt
€6k▼
2024 · €16k
Debt ≤ 1 year
€6k▼
2024 · €16k
Income taxes
€283▼
2024 · €332
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€115k€95k▼
Fixed assets21/28€23k€14k▼
Tangible fixed assets22/27€23k€14k▼
Furniture and vehicles24€14k€8k▼
Other tangible fixed assets26€9k€7k▼
Current assets29/58€92k€80k▼
Amounts receivable within one year40/41€12k€51▼
Other amounts receivable41€12k€51▼
Current investments50/53€60k€61k▲
Cash at bank and in hand54/58€17k€17k▼
Deferred charges and accrued income490/1€3k€2k▼
Equity and liabilities
Total equity and liabilities10/49€115k€95k▼
Equity10/15€99k€89k▼
Contributions10/11€19k€19k=
Reserves13€114k€114k=
Tax-exempt reserves132€354€354=
Distributable reserves133€114k€114k=
Profit (loss) carried forward14€-34k€-44k▼
Amounts payable17/49€16k€6k▼
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€16k€6k▼
Current portion of amounts payable after more than one year42€6k€0▼
Trade debts44€2k€1k▼
Suppliers440/4€2k€1k▼
Taxes, remuneration and social security45€106€245▲
Taxes450/3€106€245▲
Other amounts payable47/48€8k€4k▼
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Non-recurring operating income76A-€21k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€11k▼
Other operating charges640/8€2k€1k▼
Gross operating margin9900€-15k€2k▲
Operating profit (loss)9901€-32k€-11k▲
Financial income75/76B€1k€1k▼
Recurring financial income75€1k€1k▼
Financial charges65/66B€306€162▼
Recurring financial charges65€306€162▼
Profit (loss) for the period before taxes9903€-31k€-10k▲
Income taxes67/77€332€283▼
Profit (loss) for the period9904€-31k€-10k▲
Profit (loss) for the period to be appropriated9905€-31k€-10k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-34k€-44k▼
Profit (loss) brought forward from the previous period14P€-3k€-34k▼
The notes to these accounts (8 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
27-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity doublescurrent ratio 14.05
Current ratio from 5.65 to 14.05; short-term debt falls from €16k to €6k.
15-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-31k
Net result drops to €-31k, the lowest in the series; recovery starts the following year.
26-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
17-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €30k ▲15.8%
Operating result €43k, net result €30k, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Equity above €100kEq €103k ▲33.3%
4 profitable years in a row build equity to €103k.
23-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
19-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 19 days late
2019
25-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Kortrijk · 1 establishment unit since 2017
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.
Hoogweide(Heu) 198501 KortrijkGround area
600 m²
Building footprint
180 m²
Volume, LiDAR
1,181 m³
Parcel 34016A0739/00H000, Flanders · tallest building 9.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SAMO
since 20172.266.997.688
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34016A0739/00H000 | Flanders | 600 m² | 1 · 180 m² | 9.8 m · 2 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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 2,231 EUR awarded · 2,231 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 2,231 EUR | 2,231 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,754. 12,041 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-07-2017
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
66220Insurance agents and brokers
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.