E.P.E. & PARTNERS is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €81k and a net result of €4k. Equity is growing by ~16.7% per year across the filed fiscal years. Its solvency ranks better than 31% of 1468 sector peers (fiscal year 2025). The company has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-07-2026, 0 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
on the day
2024
29 d late
2023
30 d late
2022
3 d early
2021
72 d late
2020
1 d early
2019
102 d late
← before the deadline
after the deadline →
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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€81k▲ 5.8%
2024 · €76k
2018: €50k
2019: €22k
2020: €22k
2021: €24k
2022: €57k
2023: €90k
2024: €76k
2018 → 2025
Net result
€4k▼ 28.8%
2024 · €6k
2018: €28k
2019: €175
2020: €119
2021: €1k
2022: €33k
2023: €83k
2024: €6k
2018 → 2025
Total assets
€373k▲ 5.6%
2024 · €353k
2018: €54k
2019: €70k
2020: €161k
2021: €100k
2022: €157k
2023: €291k
2024: €353k
2018 → 2025
Solvency
21.7%=
2024 · 21.7%
2018: 92.1%
2019: 31.6%
2020: 13.8%
2021: 23.5%
2022: 36.3%
2023: 31.0%
2024: 21.7%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€24k-€57k▲ 141%€90k▲ 58.6%€76k▼ 15.3%€81k▲ 5.8%
Operating result€4k-€55k▲ 1,227%€130k▲ 138%€33k▼ 74.8%€34k▲ 4.7%
Net result€1k-€33k▲ 2,402%€83k▲ 151%€6k▼ 92.6%€4k▼ 28.8%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 5% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €373k
Fixed assets
€86k▼ 10.5%
Current assets
€287k▲ 11.6%
Equity and liabilities €373k
Equity
€81k▲ 5.8%
Debt
€292k▲ 5.5%
The debt ratio stays at 78.3%.
Key figures and ratios
Solvency
21.7%▲
2024 · 21.7%
ROE
5.5%▼
2024 · 8.1%
ROA
1.2%▼
2024 · 1.8%
Debt
€292k▲
2024 · €276k
Debt ≤ 1 year
€214k▼
2024 · €231k
Debt > 1 year
€55k▲
2024 · €45k
Income taxes
€9k▼
2024 · €11k
Staff costs
€381k▲
2024 · €290k
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€353k€373k▲
Fixed assets21/28€96k€86k▼
Intangible fixed assets21€8k€6k▼
Tangible fixed assets22/27€63k€59k▼
Plant, machinery and equipment23€24k€20k▼
Furniture and vehicles24€4k€10k▲
Other tangible fixed assets26€35k€28k▼
Financial fixed assets28€25k€21k▼
Current assets29/58€257k€287k▲
Amounts receivable after more than one year29-€6k
Other amounts receivable291-€6k
Amounts receivable within one year40/41€125k€155k▲
Trade receivables40€125k€134k▲
Other amounts receivable41-€21k
Cash at bank and in hand54/58€130k€41k▼
Deferred charges and accrued income490/1€1k€85k▲
Equity and liabilities
Total equity and liabilities10/49€353k€373k▲
Equity10/15€76k€81k▲
Contributions10/11€20k€20k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k-
Reserves not available under the articles1311€2k-
Distributable reserves133€175€2k▲
Profit (loss) carried forward14€54k€59k▲
Amounts payable17/49€276k€292k▲
Amounts payable after more than one year17€45k€55k▲
Financial debts170/4€45k€55k▲
Amounts payable within one year42/48€231k€214k▼
Current portion of amounts payable after more than one year42€16k€34k▲
Trade debts44€147k€101k▼
Suppliers440/4€147k€101k▼
Taxes, remuneration and social security45€37k€49k▲
Taxes450/3€37k€27k▼
Remuneration and social security454/9-€22k
Other amounts payable47/48€31k€30k▼
Accrued charges and deferred income492/3-€22k
Income statement
Code20242025
Remuneration, social security and pensions62€290k€381k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€16k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€94
Other operating charges640/8€5k€4k▼
Non-recurring operating charges66A-€-675
Gross operating margin9900€334k€435k▲
Operating profit (loss)9901€33k€34k▲
Financial income75/76B€113-
Recurring financial income75€113-
Financial charges65/66B€16k€21k▲
Recurring financial charges65€16k€21k▲
Profit (loss) for the period before taxes9903€17k€13k▼
Income taxes67/77€11k€9k▼
Profit (loss) for the period9904€6k€4k▼
Profit (loss) for the period to be appropriated9905€6k€4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€74k€59k▼
Profit (loss) brought forward from the previous period14P€68k€54k▼
Profit to be distributed694/7€20k-
Return on contributions (dividend)694€20k-
Social balance
Average headcount (FTE)90878.410.2▲
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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 29 days late
2024
06-09
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 30 days late
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Highest result since 2018net €83k ▲151%
Operating result €130k, net result €83k, both a record.
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
11-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 72 days late
2021
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Weakest financial yearnet €119 ▼31.7%
Net result drops to €119, the lowest in the series; recovery starts the following year.
10-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 102 days late
2019
30-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
09-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Hasselt · 1 establishment unit since 2006
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.
Guldensporenplein 43500 HasseltGround area
894 m²
Building footprint
691 m²
Volume, LiDAR
10,183 m³
Parcel 71328D0011/00A002, Flanders · tallest building 23.8 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
Guldensporenplein 4, 3500 Hasselt
since 20062.151.888.877
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71328D0011/00A002 | Flanders | 894 m² | 1 · 690 m² | 23.8 m · 6 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.
Public money · subsidies and aid
Flemish government
2023 to 2025 · 3 entries · 7,620 EUR awarded · 7,620 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 2,208 EUR | 2,208 EUR |
| 2024 | 1 | 3,964 EUR | 3,964 EUR |
| 2023 | 1 | 1,448 EUR | 1,448 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 853 companies in sector 66210 we hold annual accounts for 511. 436 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-01-2006
Fiscal year end31-12
Activities, NACEBEL
66210Risk and damage evaluation
68322Real estate appraisal on a fee or contract basis
82990Other business support services
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.