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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Tight liquidity NBB
Cash and receivables cover 54 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
SA&MA from Tervuren, company number BE0887599884, closed financial year 2025 with a result of € 8,371 after tax. For that financial year SA&MA recorded a gross margin of € 95,263 and equity of € 14,929. Compared with financial year 2024, the result moved from € 31,822 to € 8,371. The company is profitable. The buffer shrank hard: equity is 88 % below last year. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on August 31, 2026.
€ 14,929
▼ 88% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 8,371
▼ 74% vs 2024
Profit after tax over the fiscal year.
€ 11,569
▼ 91% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 110,600 paid out
More than the year’s profit went to the shareholders; reserves fell.
People and assets in 2025
≈ 1
No payroll staff. One director, so that person most likely runs the business.
€ 61,588
▲ 59% vs 2024
Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 9,609
▲ 142% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 17,110
▲ 63% vs 2024
€ 5,398 is repaid this year. At this pace the long-term loan is gone in ≈ 3 years.
€ 14,051
▲ 244% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 13,038
▲ 10% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 21,301 | € 72,649 | € 86,597 | € 95,263 | ▲ 10% |
| Profit after taxes | € -18,157 | € 24,056 | € 31,822 | € 8,371 | ▼ 74% |
| Equity | € 66,481 | € 90,537 | € 122,359 | € 14,929 | ▼ 88% |
| Total debts | € 28,861 | € 27,502 | € 27,120 | € 46,048 | ▲ 70% |
| Cash | € 59,307 | € 49,569 | € 122,649 | € 11,569 | ▼ 91% |
| Land & buildings | € 14,338 | € 12,858 | € 11,379 | € 9,899 | ▼ 13% |
| Retained profit | € 60,281 | € 84,337 | € 116,159 | € 13,929 | ▼ 88% |
| Dividend | € 0 | € 0 | € 0 | € 110,600 | |
| Bank debt | € 14,334 | € 12,448 | € 10,486 | € 17,110 | ▲ 63% |
| Balance sheet total | € 95,342 | € 118,038 | € 149,478 | € 60,977 | ▼ 59% |
Key figures of SA&MA, 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 SA&MA?
What happened at SA&MA in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 8,371 (▼ 74% vs 2024). filed late Source: NBB ↗
- Jessie Vandeput became a director. NBB
- Sara Vanden bergh stepped down as director. NBB
- New establishment in Tervuren. KBO
- Start of the company according to the CBE. KBO
In short
From € 18,157 loss in 2022 to € 8,371 profit in 2025.
Paid € 19,798 in corporate taxes since 2022.
Best year ever: 2024, with € 31,822 profit.
Paid out € 110,600 in dividends to the owners in total.
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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
Directors
According to the 2025 annual accounts
Jessie Vandeput
Director
since 2025
Sara Vanden bergh
Director
· until 2025
Establishments
Establishment units
Physical locations of this company
Dorpsstraat 28
3080 Tervuren
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0887.599.884
- VAT number
- BE 0887.599.884
- Registered office
- Dorpsstraat 28, 3080 Tervuren
- Names & denominations
- SA&MA
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 26 February 2007
- Peppol
- Active · Active since 18 Jun 2025
- Activities · NACE
Activiteiten van eetgelegenheden met beperkte bediening, muv mobiele eetgelegenheden
Fastfoodzaken, snackbars, frituren en dergelijke
Eetgelegenheden met beperkte bediening