Samsvar 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 €186k and a net result of €98k. Equity is growing by ~32.8% per year across the filed fiscal years. Its solvency ranks better than 94% of 2413 sector peers (fiscal year 2025). The company has been active since 2021 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 20-07-2026, 11 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
11 d early
2024
35 d early
2023
13 d early
2022
39 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€186k▼ 29.8%
2024 · €264k
2022: €90k
2023: €177k
2024: €264k
2022 → 2025
Net result
€98k▲ 12.0%
2024 · €87k
2022: €88k
2023: €87k
2024: €87k
2022 → 2025
Total assets
€196k▼ 28.9%
2024 · €276k
2022: €101k
2023: €187k
2024: €276k
2022 → 2025
Solvency
94.6%▼ 1.2pp
2024 · 95.9%
2022: 89.2%
2023: 94.7%
2024: 95.9%
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€90k-€177k▲ 96.7%€264k▲ 49.3%€186k▼ 29.8%
Operating result€110k-€110k▼ 0.2%€110k=€122k▲ 10.5%
Net result€88k-€87k▼ 0.5%€87k▲ 0.2%€98k▲ 12.0%
Turnover and EBIT margin not published: the micro 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 11% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €196k
Fixed assets
€6k▼ 28.6%
Current assets
€190k▼ 28.9%
Equity and liabilities €196k
Equity
€186k▼ 29.8%
Debt
€11k▼ 8.1%
The debt ratio rises from 4.1% to 5.4%. Equity and debt are lower.
Key figures and ratios
Solvency
94.6%▼
2024 · 95.9%
ROE
52.6%▲
2024 · 33.0%
ROA
49.8%▲
2024 · 31.6%
Debt
€11k▼
2024 · €11k
Debt ≤ 1 year
€11k▼
2024 · €11k
Income taxes
€27k▲
2024 · €23k
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€276k€196k▼
Fixed assets21/28€9k€6k▼
Tangible fixed assets22/27€9k€6k▼
Furniture and vehicles24€9k€6k▼
Current assets29/58€267k€190k▼
Amounts receivable within one year40/41€5k€18k▲
Trade receivables40€0€14k▲
Other amounts receivable41€5k€4k▼
Current investments50/53€100k€50k▼
Cash at bank and in hand54/58€161k€121k▼
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€276k€196k▼
Equity10/15€264k€186k▼
Contributions10/11€3k€3k=
Reserves13€262k€183k▼
Distributable reserves133€262k€183k▼
Profit (loss) carried forward14-€0
Amounts payable17/49€11k€11k▼
Amounts payable within one year42/48€11k€11k▼
Trade debts44€38€185▲
Suppliers440/4€38€185▲
Taxes, remuneration and social security45€10k€9k▼
Taxes450/3€9k€9k▼
Remuneration and social security454/9€2k€0▼
Other amounts payable47/48€913€2k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k▲
Other operating charges640/8€535€550▲
Gross operating margin9900€113k€125k▲
Operating profit (loss)9901€110k€122k▲
Financial income75/76B-€3k
Recurring financial income75-€3k
Financial charges65/66B€69€145▲
Recurring financial charges65€69€145▲
Profit (loss) for the period before taxes9903€110k€124k▲
Income taxes67/77€23k€27k▲
Profit (loss) for the period9904€87k€98k▲
Profit (loss) for the period to be appropriated9905€87k€98k▲
Appropriation of the result
Profit (loss) to be appropriated9906€87k€98k▲
Transfer from equity791/2-€176k
Transfer to equity691/2€87k€98k▲
To other reserves6921€87k€98k▲
Profit to be distributed694/7-€176k
Return on contributions (dividend)694-€176k
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
20-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2022net €98k ▲12%
Operating result €122k, net result €98k, both a record.
26-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €200kEq €264k ▲49.3%
3 profitable years in a row build equity to €264k.
18-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €87k ▼0.5%
Net result drops to €87k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 18.66
Current ratio from 9.03 to 18.66; short-term debt falls from €11k to €10k.
31-12
Financial
Equity above €150kEq €177k ▲96.7%
2 profitable years in a row build equity to €177k.
22-06
NBB filing
Annual accounts filed
fiscal year 2022 · 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, Mechelen · 1 establishment unit since 2021
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.
Lemmensstraat 272800 MechelenGround area
206 m²
Building footprint
85 m²
Volume, LiDAR
24 m³
Parcel 12404F0620/00W003, Flanders · tallest building 5.2 m. Linked by address, not a title deed.
1 establishment unit
Samsvar
since 20212.324.331.618
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12404F0620/00W003 | Flanders | 206 m² | 1 · 85 m² | 5.2 m |
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.
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SYRUS
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Of 1,511 companies in sector 66199 we hold annual accounts for 917. 649 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-11-2021
Fiscal year end31-12
Activities, NACEBEL
66199Other activities auxiliary to financial services, excluding insurance and pension funding
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.