SAM Bouw
ActiveSAM Bouw has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €233k and a net result of €47k. Equity is growing by ~46.9% per year across the filed fiscal years. Its solvency ranks better than 62% of 27446 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
93
/ 100
Excellent▼ -1 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency98▲+18
Growth78=
Stability100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €22k at 30 days acceptable
Liquidity ample (current ratio 3.92 against 1.57 in 2024), and 42% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
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
58%
Return on assets
11.7%
Age of the figures
9 mo
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
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 27-07-2026, 4 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
4 d early
2024
on the day
2023
5 d early
2022
20 d early
2021
37 d early
2020
39 d early
2019
42 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€233k▲ 25.2%
2024 · €186k
2018: €15k
2019: €27k
2020: €49k
2021: €88k
2022: €108k
2023: €121k
2024: €186k
2018 → 2025
Total assets
€402k▼ 3.8%
2024 · €417k
2018: €85k
2019: €89k
2020: €176k
2021: €267k
2022: €238k
2023: €184k
2024: €417k
2018 → 2025
Net result
€47k▼ 27.7%
2024 · €65k
2018: €10k
2019: €11k
2020: €23k
2021: €39k
2022: €19k
2023: €13k
2024: €65k
2018 → 2025
Working capital
€189k▲ 54.0%
2024 · €123k
2018: €6k
2019: €15k
2020: €22k
2021: €8k
2022: €26k
2023: €65k
2024: €123k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€88k-€108k▲ 22.0%€121k▲ 12.4%€186k▲ 53.5%€233k▲ 25.2%
Operating result€51k-€28k▼ 44.7%€20k▼ 27.3%€82k▲ 302%€66k▼ 19.7%
Net result€39k-€19k▼ 50.1%€13k▼ 31.2%€65k▲ 384%€47k▼ 27.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 20% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €402k
Fixed assets
€148k▲ 89.4%
Current assets
€254k▼ 25.2%
Equity and liabilities €402k
Equity
€233k▲ 25.2%
Debt
€169k▼ 27.0%
The debt ratio falls from 55.5% to 42.0%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€94k▼
2024 · €109k
Cash flow
€75k▼
2024 · €92k
Solvency
58.0%▲
2024 · 44.5%
Current ratio
3.92▲
2024 · 1.57
Quick ratio
3.89▲
2024 · 1.55
Debt / equity
0.73▼
2024 · 1.24
ROE
20.1%▼
2024 · 34.9%
ROA
11.7%▼
2024 · 15.5%
Interest coverage
61.05▲
2024 · 57.37
Debt
€169k▼
2024 · €231k
Debt ≤ 1 year
€65k▼
2024 · €216k
Debt > 1 year
€42k▲
2024 · €15k
Income taxes
€18k▲
2024 · €16k
Staff costs
€48k▲
2024 · €16k
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€417k€402k▼
Fixed assets21/28€78k€148k▲
Tangible fixed assets22/27€78k€98k▲
Land and buildings22€13k€11k▼
Plant, machinery and equipment23€56k€39k▼
Furniture and vehicles24€9k€47k▲
Financial fixed assets28€0€50k▲
Current assets29/58€339k€254k▼
Stocks and contracts in progress3€5k€2k▼
Stocks30/36€5k€2k▼
Amounts receivable within one year40/41€231k€100k▼
Trade receivables40€227k€96k▼
Other amounts receivable41€4k€4k▲
Current investments50/53€50k€0▼
Cash at bank and in hand54/58€53k€149k▲
Deferred charges and accrued income490/1€1k€3k▲
Equity and liabilities
Total equity and liabilities10/49€417k€402k▼
Equity10/15€186k€233k▲
Contributions10/11€11k€11k=
Reserves13€174k€221k▲
Distributable reserves133€174k€221k▲
Amounts payable17/49€231k€169k▼
Amounts payable after more than one year17€15k€42k▲
Financial debts170/4€15k€42k▲
Amounts payable within one year42/48€216k€65k▼
Current portion of amounts payable after more than one year42€27k€25k▼
Trade debts44€60k€22k▼
Suppliers440/4€60k€22k▼
Advances received on contracts in progress46€114k€0▼
Taxes, remuneration and social security45€6k€15k▲
Taxes450/3€3k€12k▲
Remuneration and social security454/9€3k€2k▼
Other amounts payable47/48€11k€3k▼
Accrued charges and deferred income492/3-€62k
Income statement
Code20242025
Remuneration, social security and pensions62€16k€48k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€27k€28k▲
Other operating charges640/8€5k€881▼
Non-recurring operating charges66A€0-
Gross operating margin9900€131k€142k▲
Operating profit (loss)9901€82k€66k▼
Financial income75/76B€1k€749▼
Recurring financial income75€1k€749▼
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€81k€65k▼
Income taxes67/77€16k€18k▲
Profit (loss) for the period9904€65k€47k▼
Profit (loss) for the period to be appropriated9905€65k€47k▼
Appropriation of the result
Profit (loss) to be appropriated9906€65k€47k▼
Profit (loss) brought forward from the previous period14P€0-
Transfer to equity691/2€65k€47k▼
To other reserves6921€65k€47k▼
The notes to these accounts (13 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
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity triplescurrent ratio 3.92
Current ratio from 1.57 to 3.92; short-term debt falls from €216k to €65k.
31-12
Financial
Equity above €200kEq €233k ▲25.2%
8 profitable years in a row build equity to €233k.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €65k ▲384%
Operating result €82k, net result €65k, both a record.
31-12
Financial
Equity above €150kEq €186k ▲53.5%
7 profitable years in a row build equity to €186k.
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
11-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €100kEq €108k ▲22%
5 profitable years in a row build equity to €108k.
24-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
22-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
19-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
26-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
21-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Heist-op-den-Berg · 1 establishment unit since 2013
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.
Hoekstraat 152221 Heist-op-den-BergGround area
536 m²
Building footprint
169 m²
Volume, LiDAR
101 m³
Parcel 12006C1000/00L000, Flanders · tallest building 3.3 m. Linked by address, not a title deed.
1 establishment unit
SAM Bouw
since 20132.226.358.549
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12006C1000/00L000 | Flanders | 536 m² | 1 · 169 m² | 3.3 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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 54 EUR awarded · 54 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 54 EUR | 54 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Dual-learning approval
6 endedSimilar companies · same sector, comparable size
Colaers Algemene Bouwonderneming
BE 0887.470.618
Heusden-Zolder · Eq €233k
consulting general investments
BE 0759.441.506
Les Bons Villers · Eq €233k
JENS DE CLERCQ BOUW & RENOVATIE
BE 0668.596.155
Hamme (Vl.) · Eq €233k
NOVACASA
BE 0875.682.445
Tielt-Winge · Eq €233k
VERLEGH groep
BE 0753.621.902
Zandhoven · Eq €233k
Of 29,551 companies in sector 41001 we hold annual accounts for 15,877. 11,589 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-11-2013
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
43211General electrical installation work
33130Repair, maintenance and installation of machinery and equipment
33140Repair and maintenance of electrical equipment
42220Construction of utility projects for electricity and telecommunications
43222Installation of electric heating, air conditioning, cooling and ventilation
Sources
Crossroads Bank for EnterprisesNational Bank · 12 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.