Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Negative equity NBB
More debt than assets in 4 of the last 4 fiscal years.
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Two loss years in a row NBB
Negative result in 2024 and 2025.
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Tight liquidity NBB
Cash and receivables cover 56 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
Sambre et Meuse from Sambreville, company number BE0421624752, closed financial year 2025 with a result of € -89,325 after tax. For that financial year Sambre et Meuse recorded a gross margin of € 1.2 million and equity of € -225,875. Compared with financial year 2024, the result moved from € -130,267 to € -89,325. The company made a loss. More debts than assets. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on August 13, 2026.
€ -225,875
▼ € 89,325 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -89,325
▲ 31 % less loss than in 2024
Profit after tax over the fiscal year.
€ 142,007
▲ € 114,984 vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -237,992.
People and assets in 2025
21.7
▲ 1.7 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 1.3 million
▲ 6% vs 2024
€ 58,500 per full-time equivalent. Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 43,404
▼ 31% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 171,617
▲ 162% vs 2024
€ 13,782 is repaid this year. At this pace the long-term loan is gone in ≈ 4 years.
€ 155,149
Supplier invoices still open on the last day of the fiscal year.
€ 131,390
▲ 16% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 1,408,290 | € 1,166,821 | € 1,106,944 | € 1,212,571 | ▲ 10% |
| Profit after taxes | € -25,054 | € 37,602 | € -130,267 | € -89,325 | ▲ € 40,941 |
| Equity | € -43,885 | € -6,283 | € -136,550 | € -225,875 | ▼ € 89,325 |
| Total debts | € 290,151 | € 360,450 | € 440,456 | € 660,500 | ▲ 50% |
| Cash | € 22,532 | € 57,869 | € 27,024 | € 142,007 | ▲ € 114,984 |
| Retained profit | € -56,002 | € -18,400 | € -148,667 | € -237,992 | ▼ € 89,325 |
| Bank debt | € 92,249 | € 78,903 | € 65,558 | € 171,617 | ▲ 162% |
| Balance sheet total | € 246,266 | € 354,166 | € 303,906 | € 434,625 | ▲ 43% |
| Employees (FTE) | 18.4 | 21 | 20 | 21.7 | ▲ 1.7 |
Key figures of Sambre et Meuse, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to Sambre et Meuse?
What happened at Sambre et Meuse in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 89,325. filed late Source: NBB ↗
- Valérie Voyer became a director. NBB
- VALAURBEN became a director. NBB
- Marie-Christine Griveau became a director. NBB
- BAUHE became a director. NBB
- New establishment in Gerpinnes. KBO
- New establishment in Gerpinnes. KBO
- New establishment in Sambreville. KBO
In short
From € 25,054 loss in 2022 to € 89,325 loss in 2025.
Paid € 681 in corporate taxes since 2022.
Best year ever: 2023, with € 37,602 profit.
On average € 55,900 of value added per employee in 2025.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
Behind Sambre et Meuse are Valérie Voyer, VALAURBEN, Marie-Christine Griveau and BAUHE. The shares are held by VALAURBEN (99.6%) and BAUHE (0.4%).
Directors
According to the 2025 annual accounts
Valérie Voyer
Director
since 2023
Managing director · represented by Jean-Michel Voyer
Also active at: HOME GAI LOGIS, AU TEMPS DES CERISES, RESIDENCE DRION, LE COIN DU BONHEUR, SOINS A DOMICILE HAUTRAGEOIS, C.E.P. SENIOR, CHRISTARLAQUE
since 2023
Marie-Christine Griveau
Director
Also active at: HOME GAI LOGIS, AU TEMPS DES CERISES, Résidence de Boiron, RESIDENCE DRION, LE COIN DU BONHEUR, RESIDENCE LES PEUPLIERS, L'EssenCiel ASBL, VALAURBEN +5 more
since 2023
Director · represented by Yves Chretien
Also active at: HOME GAI LOGIS, AU TEMPS DES CERISES, RESIDENCE DRION, LE COIN DU BONHEUR, SOINS A DOMICILE HAUTRAGEOIS, C.E.P. SENIOR, CHRISTARLAQUE
since 2023
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Boulevard de l'Europe(AUV) 38
5060 Sambreville
Rue Jean Joseph Piret(GER) 58
6280 Gerpinnes
Active since 5 October 1982
Rue Jean Joseph Piret(GER) 58
6280 Gerpinnes
Active since 5 October 1982
Rue Docteur Romedenne(AUV) 38
5060 Sambreville
Active since 1 June 1982
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0421.624.752
- VAT number
- BE 0421.624.752
- Registered office
- Boulevard de l'Europe(AUV) 38, 5060 Sambreville
- Names & denominations
- Sambre et Meuse
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 30 April 1981
- Peppol
- Active · Active since 20 Nov 2020
- Activities · NACE
Rusthuizen voor ouderen (ROB)
Rust- en verzorgingstehuizen