SAM FAÇADE
Bankruptcy closedInactive since 21-05-2026; last annual accounts for fiscal year 2022.
Summary
SAM FAÇADE was declared bankrupt on 09-09-2024 (Tribunal de l’entreprise du Hainaut, division Charleroi); the bankruptcy was closed for insufficient assets by judgment of 11-05-2026, published in the Belgian State Gazette on 27-05-2026.
Signals
1 signal.
+raises risk
Checked, nothing found (1)
Financials · fiscal year 2022, micro schema
Equity
€103k▲ 36.6%
2021 · €76k
2019: €24k
2020: €65k
2021: €76k
2019 → 2022
Total assets
€192k▲ 83.3%
2021 · €105k
2019: €98k
2020: €135k
2021: €105k
2019 → 2022
Net result
€28k▲ 159%
2021 · €11k
2019: €11k
2020: €41k
2021: €11k
2019 → 2022
Working capital
€102k▲ 37.7%
2021 · €74k
2019: €24k
2020: €65k
2021: €74k
2019 → 2022
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2019202020212022Trend
Equity€24k-€65k▲ 175%€76k▲ 16.5%€103k▲ 36.6%
Operating result€14k-€49k▲ 260%€10k▼ 79.6%€32k▲ 226%
Net result€11k-€41k▲ 269%€11k▼ 74.1%€28k▲ 159%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2022; 2022 is 226% above 2021.
Balance-sheet composition
2022 in colour, 2021 as the grey bar beneath
Assets €192k
Fixed assets
€783 ▼ 33.8%
Current assets
€191k ▲ 84.7%
Equity and liabilities €192k
Equity
€103k ▲ 36.6%
Debt
€89k ▲ 204%
Debt's share of the balance-sheet total rises from 27.9% to 46.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€33k▲
2021 · €10k
Cash flow
€28k▲
2021 · €11k
Current ratio
2.15▼
2021 · 3.55
Debt to equity
0.86
ROE
26.8%▲
2021 · 14.1%
ROA
14.4%▲
2021 · 10.2%
Interest coverage
18.59
Debt ≤ 1 year
€89k▲
2021 · €29k
Income taxes
€10k▲
2021 · €4k
Staff costs
€34
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2022 against 2021 · 41 lines
Balance sheet
Code20212022
Assets
Total assets20/58€105k€192k▲
Fixed assets21/28€1k€783▼
Tangible fixed assets22/27€1k€678▼
Plant, machinery and equipment23-€678
Financial fixed assets28€105€105=
Current assets29/58€104k€191k▲
Amounts receivable within one year40/41€98k€178k▲
Trade receivables40-€65k
Other amounts receivable41-€112k
Cash at bank and in hand54/58€5k€9k▲
Deferred charges and accrued income490/1-€4k
Equity and liabilities
Total equity and liabilities10/49€105k€192k▲
Equity10/15€76k€103k▲
Contributions10/11-€12k
Reserves13€2k€2k=
Non-distributable reserves130/1-€2k
Reserves not available under the articles1311-€2k
Profit (loss) carried forward14€61k€89k▲
Amounts payable17/49€29k€89k▲
Amounts payable within one year42/48€29k€89k▲
Trade debts44€10k€42k▲
Suppliers440/4-€42k
Advances received on contracts in progress46-€36k
Taxes, remuneration and social security45-€11k
Taxes450/3-€11k
Income statement
Code20212022
Remuneration, social security and pensions62-€34
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€122€400▲
Other operating charges640/8-€11k
Non-recurring operating charges66A-€352
Gross operating margin9900€17k€44k▲
Operating profit (loss)9901€10k€32k▲
Financial income75/76B-€7k
Recurring financial income75€5k€7k▲
Financial charges65/66B-€2k
Recurring financial charges65€567€2k▲
Profit (loss) for the period before taxes9903€14k€38k▲
Income taxes67/77€4k€10k▲
Profit (loss) for the period9904€11k€28k▲
Profit (loss) for the period to be appropriated9905€11k€28k▲
Appropriation of the result
Profit (loss) to be appropriated9906-€89k
Profit (loss) brought forward from the previous period14P-€61k
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
27-05
Bankruptcy
Bankruptcy closure (insufficient assets)
Tribunal de l’entreprise du Hainaut, division Charleroi · SAM FACADE SPRL RUE LEON BERNUS 26, 6000 CHARLEROI. déclarée le 9 septembre 2024 · event 11-05-2026
2024
17-09
Bankruptcy
Opening
Tribunal de l’entreprise du Hainaut, division Charleroi · SAM FACADE SPRL RUE LEON BERNUS 26, 6000 CHARLEROI · event 09-09-2024
2023
16-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 136 days late
2022
30-06
Financial
Equity above €100kEq €103k ▲36.6%
4 profitable years in a row build equity to €103k.
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Weakest financial yearnet €11k ▼74.1%
Net result drops to €11k, the lowest in the series.
09-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 9 days late
2020
08-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 312 days late
30-06
Financial
Highest result since 2019net €41k ▲269%
Operating result €49k, net result €41k, both a record.
SignalFinancial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 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, Charleroi
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.
Rue Léon Bernus 266000 CharleroiGround area
207 m²
Building footprint
75 m²
Volume, LiDAR
1,051 m³
Parcel 52011B0239/00R132, Wallonia · tallest building 15.8 m, ±5 floors. Linked by address, not a title deed.
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52011B0239/00R132 | Wallonia | 207 m² | 1 · 75 m² | 15.8 m · 5 fl. |
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.
Insolvency mandates
1 mandate| Role | Name | Tenure |
|---|---|---|
| Curator | PHILIPPE CUVELIER RUE DES FOUGERES 75,
6110 MONTIGNY-LE-TILLEUL- .
Date provisoire de cessation de paiement : 09/09/2024 |
09-09-2024 → 11-05-2026 |
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Of 11,135 companies in sector 43910 we hold annual accounts for 5,488. 4,808 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 (pre-2019)
Founded04-05-2018
Fiscal year end30-06
Activities, NACEBEL 2025
43910Bricklaying and masonry work
43223Specialised construction activities
43230Insulation installation
81220Other building cleaning and industrial cleaning
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.