SAMOY
ActiveSAMOY has been active since 1968 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €752k and a net result of €21k. Equity is growing by ~5.5% per year across the filed fiscal years. Its solvency ranks better than 42% of 1026 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
77
/ 100
Excellent▲ +20 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability14▲+4
Solvency67▲+14
Growth52=
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €60k at 30 days acceptable
Liquidity tight (current ratio 1.28 against 0.74 in 2024), and 61% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 25
Relative position
BE, all sectors
reference
Sector 25
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
39%
Return on assets
1.1%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 20-02-2026, 69 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
69 d early
2024
93 d early
2023
76 d early
2022
30 d early
2021
81 d early
2020
88 d early
2019
87 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
16-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€752k▲ 2.9%
2024 · €731k
2018: €491k
2019: €540k
2020: €568k
2021: €675k
2022: €748k
2023: €717k
2024: €731k
2018 → 2025
Total assets
€1.93M▲ 0.5%
2024 · €1.92M
2018: €763k
2019: €755k
2020: €792k
2021: €1.17M
2022: €1.24M
2023: €1.94M
2024: €1.92M
2018 → 2025
Net result
€21k▲ 45.1%
2024 · €14k
2018: €51k
2019: €79k
2020: €58k
2021: €106k
2022: €73k
2023: €-31k
2024: €14k
2018 → 2025
Working capital
€148k
2024 · €-214k
2018: €416k
2019: €417k
2020: €478k
2021: €590k
2022: €540k
2023: €-96k
2024: €-214k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€675k-€748k▲ 10.9%€717k▼ 4.1%€731k▲ 2.0%€752k▲ 2.9%
Operating result€134k-€101k▼ 24.7%€-27k€72k€86k▲ 18.3%
Net result€106k-€73k▼ 31.0%€-31k€14k€21k▲ 45.1%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 18% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.93M
Fixed assets
€1.24M▼ 4.9%
Current assets
€685k▲ 12.0%
Equity and liabilities €1.93M
Equity
€752k▲ 2.9%
Provisions
€0▼ 100%
Debt
€1.18M▼ 1.0%
The debt ratio falls from 61.9% to 61.0%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€210k▲
2024 · €175k
Cash flow
€146k▲
2024 · €117k
Solvency
39.0%▲
2024 · 38.1%
Current ratio
1.28▲
2024 · 0.74
Quick ratio
0.65▲
2024 · 0.37
Debt / equity
1.57▼
2024 · 1.63
ROE
2.8%▲
2024 · 2.0%
ROA
1.1%▲
2024 · 0.7%
Interest coverage
4.49▲
2024 · 3.14
Debt
€1.18M▼
2024 · €1.19M
Debt ≤ 1 year
€537k▼
2024 · €826k
Debt > 1 year
€640k▲
2024 · €363k
Income taxes
€19k▲
2024 · €9k
Staff costs
€408k▲
2024 · €387k
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€1.92M€1.93M▲
Fixed assets21/28€1.31M€1.24M▼
Tangible fixed assets22/27€394k€331k▼
Land and buildings22€104k€88k▼
Plant, machinery and equipment23€94k€34k▼
Furniture and vehicles24€92k€79k▼
Other tangible fixed assets26€104k€129k▲
Financial fixed assets28€914k€914k=
Current assets29/58€612k€685k▲
Stocks and contracts in progress3€307k€334k▲
Stocks30/36€307k€334k▲
Amounts receivable within one year40/41€258k€305k▲
Trade receivables40€254k€305k▲
Other amounts receivable41€4k-
Current investments50/53€29k€19k▼
Cash at bank and in hand54/58€9k€18k▲
Deferred charges and accrued income490/1€9k€10k▲
Equity and liabilities
Total equity and liabilities10/49€1.92M€1.93M▲
Equity10/15€731k€752k▲
Contributions10/11€62k€62k=
Reserves13€669k€690k▲
Tax-exempt reserves132€2k€1k▼
Distributable reserves133€668k€689k▲
Provisions and deferred taxes16€104-
Deferred taxes168€104-
Amounts payable17/49€1.19M€1.18M▼
Amounts payable after more than one year17€363k€640k▲
Financial debts170/4€363k€640k▲
Amounts payable within one year42/48€826k€537k▼
Current portion of amounts payable after more than one year42€90k€100k▲
Financial debts43€480k€150k▼
Credit institutions430/8€480k€150k▼
Trade debts44€127k€150k▲
Suppliers440/4€127k€150k▲
Taxes, remuneration and social security45€89k€100k▲
Taxes450/3€43k€51k▲
Remuneration and social security454/9€47k€49k▲
Other amounts payable47/48€41k€37k▼
Income statement
Code20242025
Non-recurring operating income76A€12k-
Remuneration, social security and pensions62€387k€408k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€103k€125k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€939-
Other operating charges640/8€12k€13k▲
Non-recurring operating charges66A€758-
Gross operating margin9900€575k€631k▲
Operating profit (loss)9901€72k€86k▲
Financial income75/76B€7k€597▼
Recurring financial income75€7k€597▼
Financial charges65/66B€56k€47k▼
Recurring financial charges65€56k€47k▼
Profit (loss) for the period before taxes9903€24k€39k▲
Transfer from deferred taxes780€156€104▼
Income taxes67/77€9k€19k▲
Profit (loss) for the period9904€14k€21k▲
Transfer from tax-exempt reserves789€625€417▼
Profit (loss) for the period to be appropriated9905€15k€21k▲
Appropriation of the result
Profit (loss) to be appropriated9906€15k€21k▲
Transfer to equity691/2€15k€21k▲
To other reserves6921€15k€21k▲
Social balance
Average headcount (FTE)90876.46.2▼
The notes to these accounts (9 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
20-02
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
27-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-09
Financial
Back to profitnet €14k
Net result €14k after one loss-making year.
14-02
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-09
Financial
Weakest financial yearnet €-31k ▼142%
Net result drops to €-31k, the lowest in the series; recovery starts the following year.
31-03
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
08-02
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-09
Financial
Highest result since 2018net €106k ▲82.6%
Operating result €134k, net result €106k, both a record.
01-02
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
03-02
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
30-09
Financial
Equity above €500kEq €540k ▲10.1%
2 profitable years in a row build equity to €540k.
31-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
12-03
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
11-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Izegem · 1 establishment unit since 1960
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.
Prins Albertlaan 114-1158870 IzegemGround area
2,516 m²
Building footprint
607 m²
Volume, LiDAR
3,859 m³
Parcel 36494D0010/00R000, Flanders · tallest building 8.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Isabelgrills
since 19602.004.155.701
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36494D0010/00R000 | Flanders | 2,516 m² | 1 · 607 m² | 8.1 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
2023 · 1 entry · 204 EUR awarded · 204 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 204 EUR | 204 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 49 companies in sector 25991 we hold annual accounts for 29. 18 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-01-1968
Fiscal year end30-09
Activities, NACEBEL
25991Manufacture of fabricated metal products, except machinery and equipment
25999Manufacture of fabricated metal products, except machinery and equipment
28751
Sources
Crossroads Bank for EnterprisesNational Bank · 48 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.