SAMCAR
ActiveSummary
SAMCAR has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €172k and a net result of €-57k. Equity is growing by ~6.5% per year across the filed fiscal years. Its solvency ranks better than 39% of 10359 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
45
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability7▼-40
Solvency52▼-5
Growth52=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity tight (current ratio 1.32 against 1.54 in 2024; short-term debt: 46.1% and cash: 1.9% of total assets), and 72.6% of the assets are financed with debt.
Credit advice 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 47
Relative position
BE, all sectors
reference
Sector 47
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
57 d late
2023
60 d late
2022
23 d late
2021
4 d early
2020
2 d late
2019
91 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-57k
2024 · €8k
2018: €60k
2019: €48k
2020: €33k
2021: €57k
2022: €-24k
2023: €2k
2024: €8k
2018 → 2025
Working capital
€94k▼ 39.4%
2024 · €154k
2018: €99k
2019: €147k
2020: €158k
2021: €199k
2022: €173k
2023: €156k
2024: €154k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€244k-€220k▼ 9.9%€222k▲ 0.9%€229k▲ 3.4%€172k▼ 24.8%
Operating result€90k-€-14k€13k€23k▲ 82.3%€-45k
Net result€57k-€-24k€2k€8k▲ 281%€-57k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €45k after €23k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €629k
Fixed assets
€245k ▼ 7.7%
Current assets
€384k ▼ 12.8%
Equity and liabilities €629k
Equity
€172k ▼ 24.8%
Debt
€456k ▼ 4.2%
Debt's share of the balance-sheet total rises from 67.5% to 72.6%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-20k▼
2024 · €48k
Cash flow
€-32k▼
2024 · €33k
Current ratio
1.32▼
2024 · 1.54
Quick ratio
0.56▲
2024 · 0.27
Debt to equity
2.65▲
2024 · 2.08
ROE
-32.9%▼
2024 · 3.3%
ROA
-9.0%▼
2024 · 1.1%
Interest coverage
-1.73▼
2024 · 3.25
Debt ≤ 1 year
€290k▲
2024 · €285k
Debt > 1 year
€166k▼
2024 · €188k
Income taxes
€87▼
2024 · €800
Staff costs
€68k▲
2024 · €65k
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 · 2025 against 2024 · 54 lines
Balance sheet
Code20242025
Assets
Total assets20/58€706k€629k▼
Fixed assets21/28€266k€245k▼
Tangible fixed assets22/27€266k€245k▼
Land and buildings22€200k€190k▼
Plant, machinery and equipment23€9k€8k▼
Furniture and vehicles24€22k€18k▼
Other tangible fixed assets26€34k€29k▼
Financial fixed assets28€177€177=
Current assets29/58€440k€384k▼
Stocks and contracts in progress3€364k€221k▼
Stocks30/36€364k€221k▼
Amounts receivable within one year40/41€9k€147k▲
Trade receivables40€9k€147k▲
Other amounts receivable41€600-
Cash at bank and in hand54/58€64k€12k▼
Deferred charges and accrued income490/1€3k€4k▲
Equity and liabilities
Total equity and liabilities10/49€706k€629k▼
Equity10/15€229k€172k▼
Contributions10/11€19k€19k=
Reserves13€96k€96k=
Distributable reserves133€96k€96k=
Profit (loss) carried forward14€115k€58k▼
Amounts payable17/49€476k€456k▼
Amounts payable after more than one year17€188k€166k▼
Financial debts170/4€188k€166k▼
Amounts payable within one year42/48€285k€290k▲
Current portion of amounts payable after more than one year42€21k€22k▲
Financial debts43€132k€84k▼
Credit institutions430/8€132k€84k▼
Trade debts44€39k€62k▲
Suppliers440/4€39k€62k▲
Taxes, remuneration and social security45€29k€17k▼
Taxes450/3€18k€10k▼
Remuneration and social security454/9€11k€7k▼
Other amounts payable47/48€65k€106k▲
Accrued charges and deferred income492/3€3k-
Income statement
Code20242025
Remuneration, social security and pensions62€65k€68k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€25k€25k▼
Other operating charges640/8€6k€7k▲
Gross operating margin9900€119k€54k▼
Operating profit (loss)9901€23k€-45k▼
Financial income75/76B€231€155▼
Recurring financial income75€231€155▼
Financial charges65/66B€15k€12k▼
Recurring financial charges65€15k€12k▼
Profit (loss) for the period before taxes9903€8k€-57k▼
Income taxes67/77€800€87▼
Profit (loss) for the period9904€8k€-57k▼
Profit (loss) for the period to be appropriated9905€8k€-57k▼
Appropriation of the result
Profit (loss) to be appropriated9906€122k€58k▼
Profit (loss) brought forward from the previous period14P€114k€115k▲
Transfer to equity691/2€7k-
To other reserves6921€7k-
Social balance
Average headcount (FTE)90871.51.5=
The notes to these accounts (14 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €-57k ▼857%
Net result drops to €-57k, the lowest in the series.
26-09
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 57 days late
2024
29-09
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 60 days late
2023
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
23-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 23 days late
2022
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Equity above €200kEq €244k ▲30.3%
4 profitable years in a row build equity to €244k.
02-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 2 days late
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 91 days late
2019
31-12
Financial
Equity above €150kEq €155k ▲45%
2 profitable years in a row build equity to €155k.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 29 days late
2018
05-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
09-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 9 days late
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, Fleurus · 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.
Rue Omer Lison(L) 2026220 FleurusGround area
2,838 m²
Building footprint
218 m²
Volume, LiDAR
1,434 m³
2 parcels, Wallonia · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Route de Saussin,Spy 34, 5190 Jemeppe-sur-Sambre
since 20132.217.554.018
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52036B0204/00M002 | Wallonia | 2,678 m² | 1 · 124 m² | 9.2 m · 2 fl. |
| 92119B0058/00K000 | Wallonia | 160 m² | 1 · 94 m² | 9.1 m · 2 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
SCHADEBEDRIJF GORIS
BE 0841.723.636
Baarle-Hertog · Eq €172,459
CHEHAB AUTOS
BE 0823.773.983
Tubize · Eq €172,342
NUMBER ONE CARS
BE 0878.381.718
Lochristi · Eq €172,671
Garage FVN
BE 0505.877.665
Deinze · Eq €172,683
Garage Spinnewyn Tony
BE 1011.170.659
Alveringem · Eq €172,281
Of 10,671 companies in sector 47811 we hold annual accounts for 5,222. 3,727 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
Founded11-03-2013
Fiscal year end31-12
Activities, NACEBEL 2025
47811Retail sale of cars and light vans (up to 3.5 tonnes)
47830Retail sale of motorcycles and motorcycle parts and accessories
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.