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Complete company report
Generated 06-08-2026
Active BE 0682.808.536Private limited company (pre-2019)

EP FINANCE

Hundelgemsesteenweg 492 ·9820 Merelbeke-Melle, Belgium· 8 yrs active
Conclusion Checked

The computed 12-month bankruptcy probability of EP FINANCE is 1.3% (low). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. No processed annual-account figures are available; this conclusion rests on registry and State Gazette data only.

Based on State Gazette and CBE data.
Key figures
Active 8 yrs
Board 1
Locations 1
Publications 3
Bankruptcy probability (12 mo) Checked model v1 · free
1.3% Low
0%0,5%1,5%4%10%≥25%
No NACE activity registered +

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

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 3 signals
More than 3 years active
Founded in 2017, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).
Administrative Flags 0 events
No administrative flags
Financial overview7 NBB filings
Financials being processed
NBB has 7 filing(s) on record for this company, latest fiscal year 2024 (micro). The annual accounts are being processed.
Filings on record
Fiscal year Type Filed Reference
31-12-2024 micro 30-10-2025 2025-00553799
31-12-2023 micro 30-08-2024 2024-00435728
31-12-2022 micro 28-09-2023 2023-00462097
31-12-2021 micro 11-08-2022 2022-20286284
31-12-2020 micro 16-08-2021 2021-49100399
31-12-2019 micro 28-08-2020 2020-47400078
31-12-2018 micro 30-07-2019 2019-41100538
Directors & mandates 3 directors
Current directors & mandates
  • CreditumLegal entity
    Director· perm. rep.: Kathy Wauters
    State Gazette act 25151321 (28-11-2025)
    Current
    01-03-2025 → present
Former directors (2)
  • Copers Peter
    Director
    State Gazette act 25151321 (28-11-2025)
    Former
    - → 01-03-2025
  • Degraeve Els
    Director
    State Gazette act 25151321 (28-11-2025)
    Former
    - → 01-03-2025
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.
Legal Structure
NACE primary -
Legal form Private limited company (pre-2019)(015)
Incorporation11-10-2017
StatusActive
Postal code9820
Connections & network 1 connected companies
Group structure
Creditum
Parent · 1 subsidiary · 1 location
Control→
Connections derived from shared directors, addresses, shareholders and group structure in the Belgian State Gazette.
Establishment units 1 location
EP FINANCE
Driekoningenplein 5, 9820 Merelbeke-MelleOverige financiële dienstverlening, neg
since 20172.272.231.235
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

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.

Flanders 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
44412C0252/00X000 Flanders 6,114 m² 1 · 1,324 m² 14.2 m · 3 fl.
44043A0661/00F002 Flanders 472 m² 1 · 196 m² 12.3 m · 2 fl.
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.
Updates 10 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025
28-11-2025
State Gazette act Registered-office change
v3.2
30-10-2025
NBB filing Annual accounts filed
fiscal year 2024 · micro
2024
30-08-2024
NBB filing Annual accounts filed
fiscal year 2023 · micro
2023
28-09-2023
NBB filing Annual accounts filed
fiscal year 2022 · micro
2022
11-08-2022
NBB filing Annual accounts filed
fiscal year 2021 · micro
2021
16-08-2021
NBB filing Annual accounts filed
fiscal year 2020 · micro
2020
28-08-2020
NBB filing Annual accounts filed
fiscal year 2019 · micro
2019
30-07-2019
NBB filing Annual accounts filed
fiscal year 2018 · micro
14-05-2019
State Gazette act Registered-office change
v3.2
2017
13-10-2017
State Gazette act Incorporation
oprichting
Belgisch Staatsblad, acts 3 acts
Address history · 2
28-11-2025
v3.2
14-05-2019
v3.2
All acts · 3 updated 8 months ago
2025
28-11-2025 Registered office moved from Merelbeke to Merelbeke-Melle Registered-office change
  • Driekoningenplein 5, 9820 Merelbeke → Hundelgemsesteenweg 492A, 9820 Merelbeke-Melle
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "zetel_transfer",
      "seat_type": "statutaire",
      "new_address": {
        "city": "Merelbeke-Melle",
        "region": null,
        "street": "Hundelgemsesteenweg",
        "country": "BE",
        "postcode": "9820",
        "box_number": null,
        "street_number": "492A"
      },
      "old_address": {
        "city": "Merelbeke",
        "region": null,
        "street": "Driekoningenplein",
        "country": "BE",
        "postcode": "9820",
        "box_number": null,
        "street_number": "5"
      },
      "effective_date": null,
      "evidence_quote": "De bijzondere algemene vergadering beslist tevens de maatschappelijke zetel te verplaatsen naar Hundelgemsesteenweg 492A te 9820 Merelbeke-Melle"
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0682.808.536",
    "name_full": "EP FINANCE",
    "legal_form": "BVBA"
  }
}
2019
14-05-2019 Registered office moved within Merelbeke Registered-office change
  • Zwijnaardsesteenweg 35, 9820 Merelbeke → Driekoningenplein 5, 9820 Merelbeke
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "zetel_transfer",
      "seat_type": "statutaire",
      "new_address": {
        "city": "Merelbeke",
        "region": null,
        "street": "Driekoningenplein",
        "country": "BE",
        "postcode": "9820",
        "box_number": null,
        "street_number": "5"
      },
      "old_address": {
        "city": "Merelbeke",
        "region": null,
        "street": "Zwijnaardsesteenweg",
        "country": "BE",
        "postcode": "9820",
        "box_number": "1",
        "street_number": "35"
      },
      "effective_date": "2019-01-01",
      "evidence_quote": "De zaakvoerders beslissen om met ingang van 1 januari 2019 de maatschappelijke zetel te verplaatsen naar: Driekoningenplein 5 te 9820 Merelbeke"
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0682.808.536",
    "name_full": "EP FINANCE",
    "legal_form": "BVBA"
  }
}
2017
13-10-2017 Incorporation of a new BV Incorporation
Summary: oprichting
Technical details 
{
  "kind": "oprichting",
  "seat": "Zwijnaardsesteenweg 35 Bus 1, 9820 Merelbeke",
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "founders": [
    {
      "org": null,
      "kind": "natural_person",
      "person": {
        "dob": "1958-06-07",
        "name": "COPERS Peter Raphael Marie",
        "niss": null,
        "address": "Antoon De Pesseroeylaan 40, 9831 Sint-Martens-Latem (Deurle)"
      },
      "share_class": "naam",
      "partner_role": null,
      "holder_org_kbo": null,
      "holder_org_name": null,
      "contribution_type": "cash",
      "amount_paid_in_eur": 3100,
      "holder_person_name": "COPERS Peter Raphael Marie",
      "is_subscriber_only": false,
      "n_shares_subscribed": 93,
      "amount_subscribed_eur": 18600,
      "is_anonymous_silent_partner": false
    },
    {
      "org": null,
      "kind": "natural_person",
      "person": {
        "dob": "1970-02-26",
        "name": "DEGRAEVE Els Olivia Laurette",
        "niss": null,
        "address": "Melkwegel 68 bus 201, 9070 Destelbergen (Heusden)"
      },
      "share_class": "naam",
      "partner_role": null,
      "holder_org_kbo": null,
      "holder_org_name": null,
      "contribution_type": "cash",
      "amount_paid_in_eur": 3100,
      "holder_person_name": "DEGRAEVE Els Olivia Laurette",
      "is_subscriber_only": false,
      "n_shares_subscribed": 93,
      "amount_subscribed_eur": 18600,
      "is_anonymous_silent_partner": false
    }
  ],
  "capital_eur": 18600,
  "subject_company": {
    "kbo": "0682.808.536",
    "name_full": "EP FINANCE",
    "legal_form": "BV"
  },
  "initial_directors": [],
  "incorporation_date": "2017-10-10",
  "post_incorporation_mandates": []
}
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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
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Company registry (CBE) Crossroads Bank
Names & trade names
Legal nameNL EP FINANCE
Registered office
Hundelgemsesteenweg 492 bus A
9820 Merelbeke-Melle, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative