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SAMVITO

Active
Rue Emile Schampaert(W-B) 33 ·1440 Braine-le-Château, Belgium
KBO/BCE: BE 0769.250.085
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Age5 yrs
Real estate1 parcel · 509 m²

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of SAMVITO is 0.8% (low). The 2024 annual accounts show negative equity (€-258k) and a net result of €-311k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 6% of 7336 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 4 annual accounts.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
0.8% Low
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector −Young company +Annual accounts: weaker financial profile +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Signals

1 signal · with evidence
Negative equity
Equity is negative for financial year 2024: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).
View the annual accounts

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide
Deadline passed, not yet counted as missing
The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 12 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.
Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 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.
How we compute the deadline
The year end is derived from 4 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-12-2025 31-07-2026 nothing on record not filed -
31-12-2024 31-07-2025 30-09-2025 61 d late 2025-00528971
31-12-2023 31-07-2024 31-08-2024 31 d late 2024-00454795
31-12-2022 31-07-2023 01-09-2023 32 d late 2023-00438107
31-12-2021 31-07-2022 30-09-2022 61 d late 2022-20454686

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals
More than 3 years active
Founded in 2021, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Financials

TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€-311k
Working capital€-235k-2461.2%

Annual accounts & ratios

Source: NBB · 2024
Annual accounts filed on 30-09-2025 with the NBB · fiscal year 2024 · micro
€-400k€-300k€-200k€-100k€0€100kOperating result 2021: €13k€13kNet result 2021: €10k€10kOperating result 2022: €16k€16kNet result 2022: €9k€9kOperating result 2023: €56k€56kNet result 2023: €31k€31kOperating result 2024: €-249k€-249kNet result 2024: €-311k€-311k2021202220232024
Operating resultNet result
Sector comparison
Fiscal year 2024 · NACE 62, Computer programming & consultancy · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency -13.7% 65.0%
better than 6% of 7336 sector peers
Net result €-311k €32k
better than 5% of 7333 sector peers
Equity €-258k €58k
better than 5% of 7338 sector peers
Gross operating margin €-144k €52k
better than 5% of 7327 sector peers
Total assets €1.88M €103k
better than 95% of 7339 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Sector position over time
Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).
Solvency P6
2021: P30 · n=17332022: P10 · n=37942023: P9 · n=58012024: P6 · n=73362021 2024
Weakening position over 2021-2024 · n=1733-7336
Net result P5
2021: P33 · n=17282022: P28 · n=37922023: P55 · n=57972024: P5 · n=73332021 2024
Weakening position over 2021-2024 · n=1728-7333
Equity P5
2021: P23 · n=17332022: P32 · n=37962023: P53 · n=58042024: P5 · n=73382021 2024
Stable position over 2021-2024 · n=1733-7338
Gross operating margin P5
2021: P25 · n=17262022: P37 · n=37862023: P76 · n=57932024: P5 · n=73272021 2024
Stable position over 2021-2024 · n=1726-7327
Describes the position versus peers, not a forecast.
EBITDA
€-209k
- 21-24
Net profit
€-311k
- 21-24
Cash flow
€-271k
- 21-24
Total assets
€1.88M
+40.3% 21-24
Equity
€-258k
- 21-24
Working capital
€-235k
-2461.2% 21-24
Income taxes
€983
-90.1% 21-24
Debt
€2.14M
+66.0% 21-24
Debt ≤ 1y
€807k
+112.0% 21-24
Debt > 1y
€1.33M
+46.8% 21-24
Current ratio
0.71
-27.4% 21-24
Quick ratio
0.71
-27.4% 21-24
Solvency
-13.7%
- 21-24
Debt / equity
-8.28
- 21-24
ROE
120.2%
+103.2% 21-24
ROA
-16.5%
- 21-24
Interest coverage
-3.47
- 21-24
Figures by fiscal year
Fiscal year2024
Depositmicro
Revenue-
EBITDA€-209k
Net profit€-311k
Cash flow€-271k
Staff costs-
Income taxes€983
Dividends-
Total assets€1.88M
Equity€-258k
Debt€2.14M
of which ≤ 1y€807k
of which > 1y€1.33M
Working capital€-235k
Employees (FTE)-
Ratios (computed)
2024
Current ratio0.71
Quick ratio0.71
Working capital ratio-12.5%
Solvency-13.7%
Debt / equity-8.28
Long-term debt ratio-5.16
Interest coverage-3.47
Gross margin-
Net margin-
ROA-16.5%
ROE120.2%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€1.88M
Fixed assets 21/28€1.31M
Tangible fixed assets 22/27€1.31M
Current assets 29/58€571k
Amounts receivable within one year 40/41€393k
Cash & bank 54/58€163k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€1.88M
Equity 10/15€-258k
Contributions / capital 10/11€2k
Accumulated profits (losses) 14€-260k
Amounts payable 17/49€2.14M
Amounts payable after one year 17€1.33M
Amounts payable within one year 42/48€807k
Trade debts payable within one year 44€356k
Income statement
Gross operating margin 9900€-144k
Operating result 9901€-249k
Financial income 75€6
Financial charges 65€60k
Result before taxes 9903€-310k
Income taxes 67/77€983
Net result for the period 9904€-311k
Result to be appropriated 9905€-311k
You're seeing the latest fiscal year only. Unlock 3 prior years (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.

Health barometer

FY 2024 · computed
12 / 100 Critical
050100
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank
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 Emile Schampaert(W-B) 331440 Braine-le-Château

Establishment units

1 location
SAMVITO
Rue Emile Schampaert(W-B) 33, 1440 Braine-le-ChâteauComputerconsultancy-activiteiten
since 20212.320.760.632
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area509 m²
Buildings1
Building footprint114 m²
Volume (LiDAR)615 m³
Tallest building6.8 m · ±2 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
25111A0217/00C000 Wallonia 509 m² 1 · 114 m² 6.8 m · 2 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgisch Staatsblad · acts

2 acts
All acts · 2 updated 5 months ago
2026
04-03-2026 Discharge granted to the board Director changes
2021
04-06-2021 Incorporation of a new SRL Incorporation
Summary: oprichting

Analysis

Snowflake analysis

financial profile on 5 axes
Health12Profitability100Solvency38Growth32Stability94
55 / 100

Mixed profile: strong on profitability, weaker on health.

All 5 axes are computed from data Checked has read.

Health 12
Profitability 100
Solvency 38
Growth 32
Stability 94

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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Comparable size, same sector
We hold annual accounts for 5,998 of the 29,838 companies in this sector. 5,274 of them are within a factor 10 of this company's equity.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Computerconsultancy-activiteiten62020Activiteiten op het gebied van computerconsultancy en beheer van computerfaciliteiten62200Beheer van residentieel onroerend goed voor een vast bedrag of op contractbasis68321Activiteiten van syndici van onroerend goed68321Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering70220
Primary activity highlighted.
Names & trade names
Legal nameFR SAMVITO
Registered office
Rue Emile Schampaert(W-B) 33 bus C
1440 Braine-le-Château, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.