Firma Sammy
ActiveSummary
Firma Sammy has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €31k and a net result of €26k. Its solvency ranks better than 45% of 4486 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2025
60
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes
Profitability100
Solvency61
Growth-
Track record67
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity tight (current ratio 1.12; short-term debt: 64.2% and cash: 0.3% of total assets), and 64.2% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+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 81
Relative position
BE, all sectors
reference
Sector 81
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
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
35.8%
Return on assets
30%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 1 filingDeviation from the deadline
2025
30 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2025, micro schema
Equity
€31k
Total assets
€87k
Net result
€26k
Working capital
€7k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €87k
Fixed assets
€24k
Current assets
€63k
Equity and liabilities €87k
Equity
€31k
Debt
€56k
Debt finances 64.2% of the balance-sheet total.
Key figures and ratios
EBITDA
€44k
Cash flow
€37k
Current ratio
1.12
Quick ratio
1.01
Debt to equity
1.80
ROE
83.9%
ROA
30.0%
Interest coverage
133.97
Debt ≤ 1 year
€56k
Income taxes
€7k
Staff costs
€122k
Filed annual accounts As filed with the NBB · 2025 · 43 lines
Balance sheet
Code2025
Assets
Total assets20/58€87k
Fixed assets21/28€24k
Tangible fixed assets22/27€24k
Plant, machinery and equipment23€14k
Furniture and vehicles24€10k
Current assets29/58€63k
Stocks and contracts in progress3€7k
Stocks30/36€7k
Amounts receivable within one year40/41€54k
Trade receivables40€25k
Other amounts receivable41€30k
Cash at bank and in hand54/58€225
Deferred charges and accrued income490/1€1k
Equity and liabilities
Total equity and liabilities10/49€87k
Equity10/15€31k
Contributions10/11€5k
Reserves13€26k
Distributable reserves133€26k
Amounts payable17/49€56k
Amounts payable within one year42/48€56k
Trade debts44€22k
Suppliers440/4€22k
Advances received on contracts in progress46€9k
Taxes, remuneration and social security45€24k
Taxes450/3€8k
Remuneration and social security454/9€17k
Income statement
Code2025
Remuneration, social security and pensions62€122k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k
Other operating charges640/8€938
Non-recurring operating charges66A€6k
Gross operating margin9900€172k
Operating profit (loss)9901€33k
Financial income75/76B€17
Recurring financial income75€17
Financial charges65/66B€326
Recurring financial charges65€326
Profit (loss) for the period before taxes9903€33k
Income taxes67/77€7k
Profit (loss) for the period9904€26k
Profit (loss) for the period to be appropriated9905€26k
Appropriation of the result
Profit (loss) to be appropriated9906€26k
Transfer to equity691/2€26k
To other reserves6921€26k
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 30 days late
NBB filing
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, Lievegem · 1 establishment unit since 2025
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.
Grote Baan 1259920 LievegemGround area
2,417 m²
Building footprint
534 m²
Volume, LiDAR
476 m³
2 parcels, Flanders · tallest building 6.0 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Eeksken 10, 9940 Evergem
since 20252.368.678.335
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44452B0990/00K000 | Flanders | 2,156 m² | 1 · 385 m² | - |
| 44066D1809/00G000 | Flanders | 261 m² | 1 · 148 m² | 6.0 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
VOLGAT
BE 0695.939.960
Oudergem · Eq €31,032
BOUDRA
BE 0780.363.416
Dilbeek · Eq €31,029
Nettoyage - Entretien - Désinfection
BE 0846.758.134
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EDEN STAR
BE 0842.042.845
Schaarbeek · Eq €30,993
HOBCLEAN
BE 0890.764.559
Brussel · Eq €31,140
Of 7,013 companies in sector 81220 we hold annual accounts for 2,416. 1,931 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-01-2025
Fiscal year end31-12
Activities, NACEBEL 2025
81220Other building cleaning and industrial cleaning
43230Insulation installation
43240Other construction installation
43910Bricklaying and masonry work
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.