SAMBOUW
ActiveSAMBOUW has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €445k and a net result of €28k. Equity is growing by ~12.1% per year across the filed fiscal years. Its solvency ranks better than 95% of 7331 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
78
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability76▼-1
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 63.9 against 16.08 in 2024; short-term debt: 1.5% and cash: 8% of total assets), and 1.6% 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 · 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
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
98.4%
Return on assets
6.2%
Age of the figures
18 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 17-10-2025, 14 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
14 d early
2024
7 d early
2023
6 d late
2022
5 d early
2021
46 d early
2020
40 d early
2019
43 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close17-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€445k▲ 6.7%
2024 · €417k
2019: €195k
2020: €261k
2021: €290k
2022: €343k
2023: €389k
2024: €417k
2019 → 2025
Total assets
€452k▲ 1.9%
2024 · €444k
2019: €215k
2020: €312k
2021: €326k
2022: €380k
2023: €426k
2024: €444k
2019 → 2025
Net result
€28k▼ 2.2%
2024 · €29k
2019: €15k
2020: €66k
2021: €29k
2022: €53k
2023: €46k
2024: €29k
2019 → 2025
Working capital
€434k▲ 8.7%
2024 · €399k
2019: €190k
2020: €255k
2021: €270k
2022: €329k
2023: €378k
2024: €399k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€290k-€343k▲ 18.3%€389k▲ 13.3%€417k▲ 7.3%€445k▲ 6.7%
Operating result€47k-€80k▲ 72.0%€69k▼ 14.7%€44k▼ 36.3%€43k▼ 1.8%
Net result€29k-€53k▲ 81.1%€46k▼ 14.1%€29k▼ 37.3%€28k▼ 2.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 2% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €452k
Fixed assets
€12k▼ 36.0%
Current assets
€441k▲ 3.5%
Equity and liabilities €452k
Equity
€445k▲ 6.7%
Debt
€7k▼ 73.4%
The debt ratio falls from 6.0% to 1.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€50k▲
2024 · €48k
Cash flow
€35k▲
2024 · €33k
Solvency
98.4%▲
2024 · 94.0%
Current ratio
63.90▲
2024 · 16.08
Quick ratio
63.90▲
2024 · 16.03
Debt / equity
0.02▼
2024 · 0.06
ROE
6.3%▼
2024 · 6.8%
ROA
6.2%▼
2024 · 6.4%
Interest coverage
38.28▲
2024 · 33.92
Debt
€7k▼
2024 · €27k
Debt ≤ 1 year
€7k▼
2024 · €26k
Income taxes
€14k▼
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€444k€452k▲
Fixed assets21/28€19k€12k▼
Tangible fixed assets22/27€19k€12k▼
Plant, machinery and equipment23€518-
Furniture and vehicles24€18k€12k▼
Current assets29/58€426k€441k▲
Stocks and contracts in progress3€1k-
Stocks30/36€1k-
Amounts receivable within one year40/41€384k€403k▲
Trade receivables40€19k-
Other amounts receivable41€365k€403k▲
Cash at bank and in hand54/58€39k€36k▼
Deferred charges and accrued income490/1€1k€1k▼
Equity and liabilities
Total equity and liabilities10/49€444k€452k▲
Equity10/15€417k€445k▲
Contributions10/11€6k€6k=
Reserves13€411k€439k▲
Distributable reserves133€411k€439k▲
Amounts payable17/49€27k€7k▼
Amounts payable within one year42/48€26k€7k▼
Financial debts43€17k€2k▼
Credit institutions430/8€17k€2k▼
Trade debts44€7k€2k▼
Suppliers440/4€7k€2k▼
Taxes, remuneration and social security45€3k€3k▼
Taxes450/3€3k€3k▼
Accrued charges and deferred income492/3€232€200▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€7k▲
Other operating charges640/8€1k€1k▲
Gross operating margin9900€49k€51k▲
Operating profit (loss)9901€44k€43k▼
Financial income75/76B€33-
Recurring financial income75€33-
Financial charges65/66B€1k€1k▼
Recurring financial charges65€1k€1k▼
Profit (loss) for the period before taxes9903€42k€42k▼
Income taxes67/77€14k€14k▼
Profit (loss) for the period9904€29k€28k▼
Profit (loss) for the period to be appropriated9905€29k€28k▼
Appropriation of the result
Profit (loss) to be appropriated9906€29k€28k▼
Transfer to equity691/2€29k€28k▼
To other reserves6921€29k€28k▼
The notes to these accounts (6 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
2025
17-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Liquidity quadruplescurrent ratio 63.90
Current ratio from 16.08 to 63.90; short-term debt falls from €26k to €7k.
2024
24-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
06-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 6 days late
2022
26-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
15-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
21-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
31-03
Financial
Highest result since 2019net €66k ▲344%
Operating result €106k, net result €66k, both a record.
31-03
Financial
Equity above €200kEq €261k ▲33.6%
2 profitable years in a row build equity to €261k.
2019
18-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
24-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
27-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
13-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Moorslede · 1 establishment unit since 1993
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.
Kortrijksestraat 428890 MoorsledeGround area
397 m²
Building footprint
265 m²
Volume, LiDAR
1,051 m³
Parcel 36003B0139/00H000, Flanders · tallest building 7.2 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
SAMBOUW BVBA
since 19932.060.442.326
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36003B0139/00H000 | Flanders | 397 m² | 1 · 265 m² | 7.2 m · 1 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.
Recognitions · licences · registrations
Recognised contractor
1 categorySAMBOUW BV30598
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Of 29,808 companies in sector 41001 we hold annual accounts for 16,033. 9,664 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-11-1992
Fiscal year end31-03
Activities, NACEBEL
41001General construction of residential buildings
45211
Sources
Crossroads Bank for EnterprisesNational Bank · 32 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.