Summary
Financière de la Sambre is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €486.85M and a net result of €884k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 95% of 2777 sector peers (fiscal year 2024). The company has been active since 1973 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 check for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 20-06-2025, 41 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
41 d early
2023
1 d early
2022
24 d early
2021
39 d early
2020
43 d early
2019
3 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, full schema
Equity
€486.85M▼ 5.6%
2023 · €515.97M
2018: €2.36B
2019: €2.74B▲ +16.1% vs 2018
2020: €3.21B▲ +17.1% vs 2019highest in 7 years
2021: €493.79M▼ -84.6% vs 2020
2022: €508.19M▲ +2.9% vs 2021
2023: €515.97M▲ +1.5% vs 2022
2024: €486.85M▼ -5.6% vs 2023lowest in 7 years
2018 → 2024
Net result
€884k▼ 88.6%
2023 · €7.78M
2018: €185.12M
2019: €380.12M▲ +105% vs 2018
2020: €427.58M▲ +12.5% vs 2019
2021: €1.73B▲ +305% vs 2020highest in 7 years
2022: €6.40M▼ -99.6% vs 2021
2023: €7.78M▲ +21.4% vs 2022
2024: €884k▼ -88.6% vs 2023lowest in 7 years
2018 → 2024
Total assets
€488.44M▼ 5.5%
2023 · €516.61M
2018: €2.87B
2019: €2.74B▼ -4.5% vs 2018
2020: €3.55B▲ +29.6% vs 2019highest in 7 years
2021: €494.28M▼ -86.1% vs 2020
2022: €508.98M▲ +3.0% vs 2021
2023: €516.61M▲ +1.5% vs 2022
2024: €488.44M▼ -5.5% vs 2023lowest in 7 years
2018 → 2024
Solvency
99.7%▼ 0.2pp
2023 · 99.9%
2018: 82.2%lowest in 7 years
2019: 100.0%▲ +21.6% vs 2018highest in 7 years
2020: 90.3%▼ -9.7% vs 2019
2021: 99.9%▲ +10.6% vs 2020
2022: 99.8%▼ -0.1% vs 2021
2023: 99.9%● +0.0% vs 2022
2024: 99.7%▼ -0.2% vs 2023
2018 → 2024
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€3.21B-€493.79M▼ 84.6%€508.19M▲ 2.9%€515.97M▲ 1.5%€486.85M▼ 5.6%
2020: €3.21Bhighest in 5 years
2021: €493.79M▼ -84.6% vs 2020
2022: €508.19M▲ +2.9% vs 2021
2023: €515.97M▲ +1.5% vs 2022
2024: €486.85M▼ -5.6% vs 2023lowest in 5 years
Operating result€-454k-€-3.79M▼ 737%€-2.74M▲ 27.8%€-2.06M▲ 24.8%€-2.73M▼ 32.4%
2020: €-454khighest in 5 years
2021: €-3.79M▼ -737% vs 2020lowest in 5 years
2022: €-2.74M▲ +27.8% vs 2021
2023: €-2.06M▲ +24.8% vs 2022
2024: €-2.73M▼ -32.4% vs 2023
Net result€427.58M-€1.73B▲ 305%€6.40M▼ 99.6%€7.78M▲ 21.4%€884k▼ 88.6%
2020: €427.58M
2021: €1.73B▲ +305% vs 2020highest in 5 years
2022: €6.40M▼ -99.6% vs 2021
2023: €7.78M▲ +21.4% vs 2022
2024: €884k▼ -88.6% vs 2023lowest in 5 years
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €2.73M in 2024 against €2.06M in 2023; the loss grows.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €488.44M
Fixed assets
€481.77M ▼ 5.2%
Current assets
€6.66M ▼ 21.2%
Equity and liabilities €488.44M
Equity
€486.85M ▼ 5.6%
Debt
€1.59M ▲ 145%
Debt's share of the balance-sheet total rises from 0.1% to 0.3%. Equity is lower and debt is higher.
Key figures and ratios
ROE
0.2%▼
2023 · 1.5%
ROA
0.2%▼
2023 · 1.5%
Debt ≤ 1 year
€1.45M▲
2023 · €645k
Income taxes
€174k▼
2023 · €243k
Staff costs
€652k▼
2023 · €795k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Operating income70/76A | - | €692k | €1.34M | €1.14M | €415k | ▼ 63.5% |
| Other operating income74 | - | €692k | €1.31M | €776k | €391k | ▼ 49.6% |
| Non-recurring operating income76A | - | - | €30k | €362k | €24k | ▼ 93.3% |
| Operating charges60/66A | - | €4.49M | €4.08M | €3.20M | €3.14M | ▼ 1.7% |
| Services and other goods61 | - | €2.87M | €2.66M | €1.73M | €1.96M | ▲ 13.2% |
| Remuneration, social security and pensions62 | - | €821k | €584k | €795k | €652k | ▼ 18.0% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €209k | €694k | €720k | €483k | €434k | ▼ 10.0% |
| Other operating charges640/8 | - | €98k | €120k | €90k | €99k | ▲ 9.8% |
| Non-recurring operating charges66A | - | - | - | €101k | €467 | ▼ 99.5% |
| Operating profit (loss)9901 | €-454k | €-3.79M | €-2.74M | €-2.06M | €-2.73M | ▼ 32.4% |
| Financial income75/76B | - | €1.75B | €10.23M | €10.10M | €3.80M | ▼ 62.4% |
| Recurring financial income75 | €428.91M | €1.72B | €10.23M | €7.62M | €3.80M | ▼ 50.2% |
| Income from financial fixed assets750 | - | €1.72B | €10.23M | €7.62M | €3.79M | ▼ 50.2% |
| Income from current assets751 | - | €167k | - | €27 | €51 | ▲ 86.9% |
| Other financial income752/9 | - | €152k | €765 | €45 | €890 | ▲ 1,873% |
| Non-recurring financial income76B | - | €23.93M | - | €2.48M | - | - |
| Financial charges65/66B | - | €10.96M | €9k | €15k | €9k | ▼ 41.6% |
| Recurring financial charges65 | €807k | €668k | €9k | €15k | €9k | ▼ 41.6% |
| Debt charges650 | €135k | €929k | €2k | €8k | - | - |
| Write-downs on current assets other than stocks, contracts in progress and trade receivables: additions (reversals)651 | - | €-276k | - | - | - | - |
| Other financial charges652/9 | - | €15k | €8k | €8k | €9k | ▲ 15.0% |
| Non-recurring financial charges66B | - | €10.29M | - | - | - | - |
| Profit (loss) for the period before taxes9903 | €427.75M | €1.73B | €7.48M | €8.02M | €1.06M | ▼ 86.8% |
| Income taxes67/77 | €169k | €1.64M | €1.08M | €243k | €174k | ▼ 28.6% |
| Taxes670/3 | - | €1.64M | €1.08M | €243k | €187k | ▼ 23.2% |
| Tax adjustments and reversals of tax provisions77 | - | €398 | - | - | €13k | - |
| Profit (loss) for the period9904 | €427.58M | €1.73B | €6.40M | €7.78M | €884k | ▼ 88.6% |
| Profit (loss) for the period to be appropriated9905 | €427.58M | €1.73B | €6.40M | €7.78M | €884k | ▼ 88.6% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €3.55B | €494.28M | €508.98M | €516.61M | €488.44M | ▼ 5.5% |
| Fixed assets21/28 | €3.35B | €477.00M | €502.39M | €508.16M | €481.77M | ▼ 5.2% |
| Tangible fixed assets22/27 | €12.90M | €12.76M | €10.85M | €11.49M | €12.03M | ▲ 4.8% |
| Land and buildings22 | - | €115k | €115k | €4.53M | €4.53M | = |
| Plant, machinery and equipment23 | - | - | - | - | €5k | - |
| Furniture and vehicles24 | - | €1.20M | €1.17M | €1.35M | €1.29M | ▼ 4.7% |
| Other tangible fixed assets26 | - | €11.45M | €9.13M | €5.60M | €5.39M | ▼ 3.7% |
| Assets under construction and advance payments27 | - | - | €445k | €0 | €814k | - |
| Financial fixed assets28 | €3.34B | €464.24M | €491.54M | €496.67M | €469.74M | ▼ 5.4% |
| Affiliated companies280/1 | - | €464.22M | €491.52M | €496.65M | €469.71M | ▼ 5.4% |
| Participating interests280 | - | €232.03M | €232.03M | €248.65M | €309.79M | ▲ 24.6% |
| Amounts receivable281 | - | €232.18M | €259.48M | €248.01M | €159.93M | ▼ 35.5% |
| Other financial fixed assets284/8 | - | €19k | €19k | €19k | €23k | ▲ 21.2% |
| Shares284 | - | €18k | €18k | €18k | €18k | = |
| Amounts receivable and cash guarantees285/8 | - | €561 | €561 | €561 | €5k | ▲ 713% |
| Current assets29/58 | €197.79M | €17.28M | €6.59M | €8.45M | €6.66M | ▼ 21.2% |
| Amounts receivable within one year40/41 | €181.59M | €758k | €868k | €1.24M | €976k | ▼ 21.4% |
| Trade receivables40 | - | €530k | €717k | €624k | €820k | ▲ 31.4% |
| Other amounts receivable41 | - | €229k | €151k | €618k | €157k | ▼ 74.6% |
| Current investments50/53 | €3.18M | €1 | €1 | €1 | €1 | = |
| Other investments51/53 | - | €1 | €1 | €1 | €1 | = |
| Cash at bank and in hand54/58 | €11.11M | €14.84M | €2.51M | €4.35M | €2.34M | ▼ 46.3% |
| Deferred charges and accrued income490/1 | - | €1.69M | €3.21M | €2.86M | €3.35M | ▲ 17.2% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €3.55B | €494.28M | €508.98M | €516.61M | €488.44M | ▼ 5.5% |
| Equity10/15 | €3.21B | €493.79M | €508.19M | €515.97M | €486.85M | ▼ 5.6% |
| Contributions10/11 | €275.67M | €386.18M | €394.18M | €394.18M | €394.18M | = |
| Capital10 | - | €275.67M | €276.92M | €276.92M | €276.92M | = |
| Issued capital100 | - | €275.67M | €289.32M | €289.32M | €289.32M | = |
| Uncalled capital101 | - | - | €12.40M | €12.40M | €12.40M | = |
| Outside capital11 | - | €110.51M | €117.25M | €117.25M | €117.25M | = |
| Share premium1100/10 | - | €110.51M | €117.25M | €117.25M | €117.25M | = |
| Reserves13 | €35.63M | €27.57M | €27.89M | €28.28M | €28.32M | ▲ 0.2% |
| Non-distributable reserves130/1 | - | €27.57M | €27.89M | €28.28M | €28.32M | ▲ 0.2% |
| Legal reserve130 | - | €27.57M | €27.89M | €28.28M | €28.32M | ▲ 0.2% |
| Reserves not available under the articles1311 | - | €394 | €394 | €394 | €394 | = |
| Profit (loss) carried forward14 | €2.32B | €80.04M | €86.13M | €93.51M | €64.35M | ▼ 31.2% |
| Amounts payable17/49 | €343.99M | €494k | €791k | €647k | €1.59M | ▲ 145% |
| Amounts payable within one year42/48 | €343.86M | €492k | €774k | €645k | €1.45M | ▲ 124% |
| Trade debts44 | €89k | €340k | €571k | €215k | €1.25M | ▲ 480% |
| Suppliers440/4 | - | €340k | €571k | €215k | €1.25M | ▲ 480% |
| Taxes, remuneration and social security45 | - | €116k | €167k | €394k | €163k | ▼ 58.7% |
| Taxes450/3 | - | - | €437 | €305k | €115k | ▼ 62.4% |
| Remuneration and social security454/9 | - | €116k | €166k | €89k | €48k | ▼ 46.1% |
| Other amounts payable47/48 | - | €36k | €36k | €36k | €36k | = |
| Accrued charges and deferred income492/3 | - | €2k | €17k | €2k | €139k | ▲ 7,307% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €427.58M | €1.73B | €6.40M | €7.78M | €884k | ▼ 88.6% |
| + Depreciation and write-downs630 | €209k | €694k | €720k | €483k | €434k | ▼ 10.0% |
| Operating cash flow (approximation) | €427.79M | €1.73B | €7.12M | €8.26M | €1.32M | ▼ 84.0% |
| Investment in fixed assets (approximation) | - | €2.88B | €-26.11M | €-6.25M | €25.95M | ▲ 515% |
| Change in cash | - | €3.73M | €-12.33M | €1.84M | €-2.02M | ▼ 209% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
20-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Weakest financial yearnet €884k ▼88.6%
Net result drops to €884k, the lowest in the series.
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
07-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Equity above €500MEq €508.19M ▲2.9%
5 profitable years in a row build equity to €508.19M.
22-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Highest result since 2018net €1.73B ▲305%
Net result €1.73B, the highest in the series.
31-12
Financial
Liquidity times 61current ratio 35.13
Current ratio from 0.58 to 35.13; short-term debt falls from €343.86M to €492k.
18-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
03-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 3 days late
2019
31-12
Financial
Liquidity times 1911current ratio 1473.18
Current ratio from 0.77 to 1473.18; short-term debt falls from €509.50M to €97k.
31-12
Financial
Equity above €2500MEq €2.74B ▲16.1%
2 profitable years in a row build equity to €2.74B.
Show earlier events
16-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
23-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 23 days late
2017
25-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2016
07-07
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 28 acts read
About the unread acts
We know of 28 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
28 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, Gerpinnes · 1 establishment unit since 1973
Ground area
5.7 ha
Building footprint
1,482 m²
Volume, LiDAR
12,751 m³
2 parcels, Wallonia · tallest building 23.5 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Boulevard Joseph Tirou 11, 6000 Charleroi
since 19732.009.317.287
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52041B0019/00C000 | Wallonia | 5.5 ha | 1 · 1,116 m² | 13.6 m · 4 fl. |
| 52011B0240/00S092 | Wallonia | 2,368 m² | 1 · 366 m² | 23.5 m |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Ownership & control
1 parent company · 1 subsidiary, 1 abroadControl over this companyparent company per the LEI register1
Gerpinnes
controls
Financière de la SambreBE 0413.936.117
controls
Where this company holds controlsubsidiary per the LEI register1
Compagnie Financière Luxembourg S.A.
Luxembourg, Luxembourg
Recognitions · licences · registrations
Legal Entity Identifier
9676004IF4T61G3NSE70
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Of 24,730 companies in sector 64210 we hold annual accounts for 19,766. 608 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded28-12-1973
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
Scores and ratios are computed by Checked and are not a credit decision.