S.A.M & Zonen

Active

Private limited companyfounded 20188 yrs activeBeverlosesteenweg 449, 3582 Beringen, BelgiumKBO/BCE: BE 0698.602.413

S.A.M & Zonen has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €96k and a net result of €-4k. Equity is growing by ~17.7% per year across the filed fiscal years. Its solvency ranks better than 70% of 26908 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).

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Checked score

Score 2025

70 / 100

Healthy▲ +5 vs 2024

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability0=

Solvency100=

Growth52=

Stability100

Bankruptcy probability, 12 months

1.2% Low

0%0.5%1.5%4%10%≥ 25%

Credit up to €7k at 30 days acceptable

Liquidity ample (current ratio 3.37 against 4.49 in 2024), and 34.1% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Six signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 43

Relative position

BE, all sectors

reference

Sector 43

higher

← fewer bankruptcies more bankruptcies →

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Persistent losses

Two consecutive loss-making years (2024 and 2025); equity fell accordingly. May indicate structural pressure on profitability.

NBB · annual accounts 2025

Net result per financial year

19202122232425

2019 to 2025 · latest year -€4k

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-06-2026, 31 days ahead of the deadline.

NBB · 7 filings

Deviation from the deadline

2025

31 d early

2024

9 d early

2023

30 d late

2022

105 d late

2021

241 d late

2020

121 d late

2019

53 d late

← before the deadline after the deadline →

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 months

Position in the running window

07-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€96k▼ 12.8%

2024 · €110k

2019: €35k 2020: €54k 2021: €69k 2022: €85k 2023: €112k 2024: €110k

2019 → 2025

Total assets

€145k▲ 5.9%

2024 · €137k

2019: €62k 2020: €168k 2021: €130k 2022: €158k 2023: €162k 2024: €137k

2019 → 2025

Net result

€-4k▼ 59.2%

2024 · €-2k

2019: €16k 2020: €35k 2021: €15k 2022: €16k 2023: €28k 2024: €-2k

2019 → 2025

Working capital

€63k▼ 33.8%

2024 · €95k

2019: €35k 2020: €35k 2021: €85k 2022: €99k 2023: €101k 2024: €95k

2019 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€69k-€85k▲ 23.2%€112k▲ 32.5%€110k▼ 2.2%€96k▼ 12.8%

Operating result€25k-€22k▼ 10.0%€20k▼ 9.2%€-5k€-5k▲ 3.7%

Net result€15k-€16k▲ 4.5%€28k▲ 72.5%€-2k€-4k▼ 59.2%

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 €5k in 2025 against €5k in 2024; the loss shrinks.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €145k

38.4%

61.6%

Fixed assets €56k▲ 275%

Current assets €90k▼ 26.8%

Equity and liabilities €145k

65.9%

34.1%

Equity €96k▼ 12.8%

Debt €50k▲ 81.6%

The debt ratio rises from 19.9% to 34.1%: debt grows while equity shrinks.

Key figures and ratios

2025 value · change against 2024

EBITDA

€9k▲

2024 · €263

Cash flow

€10k▲

2024 · €3k

Solvency

65.9%▼

2024 · 80.1%

Current ratio

3.37▼

2024 · 4.49

Quick ratio

3.12▼

2024 · 4.24

Debt / equity

0.52▲

2024 · 0.25

ROE

-4.0%▼

2024 · -2.2%

ROA

-2.7%▼

2024 · -1.8%

Interest coverage

7.22▲

2024 · 1.60

Debt

€50k▲

2024 · €27k

Debt ≤ 1 year

€27k▼

2024 · €27k

Debt > 1 year

€23k

Income taxes

€1k▲

2024 · €572

Staff costs

€3k▼

2024 · €14k

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€137k€145k▲

Fixed assets21/28€15k€56k▲

Tangible fixed assets22/27€15k€56k▲

Land and buildings22€6k€6k▼

Plant, machinery and equipment23€5k€3k▼

Furniture and vehicles24€4k€47k▲

Current assets29/58€122k€90k▼

Stocks and contracts in progress3€7k€7k▼

Stocks30/36€7k€7k▼

Amounts receivable within one year40/41€102k€74k▼

Trade receivables40€40k€32k▼

Other amounts receivable41€63k€42k▼

Cash at bank and in hand54/58€11k€6k▼

Deferred charges and accrued income490/1€2k€3k▲

Equity and liabilities

Total equity and liabilities10/49€137k€145k▲

Equity10/15€110k€96k▼

Contributions10/11€19k€19k=

Reserves13€91k€77k▼

Distributable reserves133€91k€77k▼

Amounts payable17/49€27k€50k▲

Amounts payable after more than one year17-€23k

Financial debts170/4-€23k

Amounts payable within one year42/48€27k€27k▼

Current portion of amounts payable after more than one year42-€10k

Trade debts44€7k€2k▼

Suppliers440/4€7k€2k▼

Taxes, remuneration and social security45€20k€5k▼

Taxes450/3€14k€3k▼

Remuneration and social security454/9€6k€2k▼

Other amounts payable47/48-€10k

Accrued charges and deferred income492/3€54-

Income statement Code20242025

Non-recurring operating income76A-€13k

Remuneration, social security and pensions62€14k€3k▼

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€14k▲

Other operating charges640/8€3k€1k▼

Gross operating margin9900€17k€13k▼

Operating profit (loss)9901€-5k€-5k▲

Financial income75/76B€3k€3k▲

Recurring financial income75€3k€3k▲

Financial charges65/66B€164€1k▲

Recurring financial charges65€164€1k▲

Profit (loss) for the period before taxes9903€-2k€-3k▼

Income taxes67/77€572€1k▲

Profit (loss) for the period9904€-2k€-4k▼

Profit (loss) for the period to be appropriated9905€-2k€-4k▼

Appropriation of the result

Profit (loss) to be appropriated9906€-2k€-4k▼

Transfer from equity791/2€2k€14k▲

Profit to be distributed694/7-€10k

Return on contributions (dividend)694-€10k

The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 11Financial 4Filings 7

Next filing, fiscal year 2026, expected by 31-07-2027

2026

30-06

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

31-12

Financial Weakest financial yearnet €-4k

Net result drops to €-4k, the lowest in the series.

22-07

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

30-08

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 30 days late

2023

31-12

Financial Equity above €100kEq €112k ▲32.5%

5 profitable years in a row build equity to €112k.

13-11

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 105 days late

29-03

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 241 days late

2021

31-12

Financial Liquidity triplescurrent ratio 4.33

Current ratio from 1.31 to 4.33; short-term debt falls from €114k to €25k.

29-11

NBB filing Annual accounts filed

fiscal year 2020 · micro schema · 121 days late

2020

31-12

Financial Highest result since 2019net €35k ▲112%

Operating result €26k, net result €35k, both a record.

22-09

NBB filing Annual accounts filed

fiscal year 2019 · micro schema · 53 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

0 of 2 acts read

About the unread acts

We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Have them read with priority Sign in to place this company at the front of the reading queue.

Directors · office · real estate

Directors

2 directors, last change in 2024

AKBAS Mustafa

Director · since 01-07-2024

Current

AKBAS Saim

Director · since 01-07-2024

Current

01-07-2024 AKBAS Mustafa: Appointed as Director

01-07-2024 AKBAS Saim: Appointed as Director

Not every act has been read: a resignation may be missing here

2 of this company's 2 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.

Location & real-estate footprint

Registered office, Beringen · 1 establishment unit since 2018

exact location from the address register On OpenStreetMap

Ground area

370 m²

Building footprint

113 m²

Volume, LiDAR

629 m³

Parcel 71522C0001/00V035, Flanders · tallest building 10.6 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

S.A.M & Zonen