Summary
EPBF is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €12.3m and a net result of €202,518. Equity remains stable across the filed fiscal years (±0.6% per year). The company has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked 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.
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Signals
1 signal. 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 17-06-2026, 44 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
44 d early
2024
64 d early
2023
62 d early
2022
62 d early
2021
44 d early
2020
64 d early
2019
77 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 60 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 31 May (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2024, full schema, 2025 accounts filed, figures not processed yet
Equity
€12.3m▲ 0.8%
2023 · €12.2m
Net result
€202,518▼ 10.1%
2023 · €225,259
Total assets
€13.3m▲ 2.7%
2023 · €12.9m
Solvency
93.0%▼ 1.8pp
2023 · 94.8%
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Turnover€1.4m▲ 3.8%€1.3m▼ 8.5%€1.3m▼ 4.9%€1.1m▼ 8.1%€972,362▼ 15.4%
Operating result€125,424▼ 63.6%€68,318▼ 45.5%€118,075▲ 72.8%-€28,909-€136,509▼ 372%
Net result€92,556within the sector's middle half▼ 61.7%€48,880within the sector's middle half▼ 47.2%€85,377within the sector's middle half▲ 74.7%€225,259within the sector's middle half▲ 164%€202,518within the sector's middle half▼ 10.1%
Equity€12.0mwithin the sector's middle half▲ 0.4%€12.0mwithin the sector's middle half▲ 0.2%€12.1mwithin the sector's middle half▲ 0.7%€12.2mwithin the sector's middle half▲ 0.9%€12.3mwithin the sector's middle half▲ 0.8%
Total assets€12.5mwithin the sector's middle half▲ 0.5%€12.5mwithin the sector's middle half=€13.0mwithin the sector's middle half▲ 3.7%€12.9mwithin the sector's middle half▼ 0.3%€13.3mwithin the sector's middle half▲ 2.7%
Debt€468,466▲ 2.3%€447,276▼ 4.5%€827,992▲ 85.1%€673,353▼ 18.7%€926,390▲ 37.6%
Working capital€11.9mabove the sector's middle half▲ 0.9%€11.8mabove the sector's middle half▼ 1.0%€12.0mabove the sector's middle half▲ 1.2%€12.1mabove the sector's middle half▲ 1.4%€12.3mabove the sector's middle half▲ 1.1%
Solvency96.2%above the sector's middle half▼ 0.1pp96.4%above the sector's middle half▲ 0.2pp93.6%above the sector's middle half▼ 2.8pp94.8%above the sector's middle half▲ 1.2pp93.0%above the sector's middle half▼ 1.8pp
Current ratio26.48above the sector's middle half▼ 0.3627.41above the sector's middle half▲ 0.9315.45above the sector's middle half▼ 11.9719.02above the sector's middle half▲ 3.5714.24above the sector's middle half▼ 4.77
Return on assets (ROA)0.7%within the sector's middle half▼ 1.2pp0.4%within the sector's middle half▼ 0.3pp0.7%within the sector's middle half▲ 0.3pp1.7%within the sector's middle half▲ 1.1pp1.5%within the sector's middle half▼ 0.2pp
Staff (FTE)1below the sector's middle half▼ 16.7%1below the sector's middle half=1within the sector's middle half=1within the sector's middle half=1within the sector's middle half=
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €136,509 in 2024 against €28,909 in 2023; the loss grows and 2024 has the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €13.3m
Fixed assets
€69,852 ▼ 34.7%
Current assets
€13.2m ▲ 3.1%
Equity and liabilities €13.3m
Equity
€12.3m ▲ 0.8%
Debt
€926,390 ▲ 37.6%
Debt's share of the balance-sheet total rises from 5.2% to 7.0%. Equity and debt are higher.
Key figures and ratios
ROE
1.6%▼
2023 · 1.8%
Debt ≤ 1 year
€926,390▲
2023 · €673,353
Income taxes
€70,971▼
2023 · €76,308
Staff costs
€138,457▼
2023 · €147,984
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Operating income70/76A | - | €1.3m | €1.3m | €1.1m | €972,362 | ▼ 15.4% |
| Turnover70 | €1.4m | €1.3m | €1.3m | €1.1m | €972,362 | ▼ 15.4% |
| Operating charges60/66A | - | €1.2m | €1.1m | €1.2m | €1.1m | ▼ 5.8% |
| Goods for resale, raw materials and consumables60 | - | €531,158 | €449,541 | €444,973 | €378,699 | ▼ 14.9% |
| Purchases600/8 | - | €531,158 | €449,541 | €444,973 | €378,699 | ▼ 14.9% |
| Services and other goods61 | - | €541,958 | €495,662 | €526,074 | €554,738 | ▲ 5.4% |
| Remuneration, social security and pensions62 | - | €133,646 | €124,265 | €147,984 | €138,457 | ▼ 6.4% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €56,581 | €39,139 | €61,749 | €57,309 | €37,076 | ▼ 35.3% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | - | €317 | -€98 | ▼ 131% |
| Other operating charges640/8 | - | €1,073 | €898 | €960 | - | - |
| Operating profit (loss)9901 | €125,424 | €68,318 | €118,075 | -€28,909 | -€136,509 | ▼ 372% |
| Financial income75/76B | - | €107 | - | €332,840 | €412,299 | ▲ 23.9% |
| Recurring financial income75 | €1,051 | €107 | - | €332,840 | €412,299 | ▲ 23.9% |
| Income from current assets751 | - | €107 | - | €332,830 | €412,299 | ▲ 23.9% |
| Other financial income752/9 | - | €0 | - | €10 | - | - |
| Financial charges65/66B | - | €2,784 | €3,059 | €2,364 | €2,301 | ▼ 2.7% |
| Recurring financial charges65 | €1,038 | €2,784 | €3,059 | €2,364 | €2,301 | ▼ 2.7% |
| Debt charges650 | - | €465 | €736 | €826 | €824 | ▼ 0.3% |
| Other financial charges652/9 | - | €2,320 | €2,323 | €1,538 | €1,477 | ▼ 4.0% |
| Profit (loss) for the period before taxes9903 | €125,436 | €65,641 | €115,016 | €301,567 | €273,489 | ▼ 9.3% |
| Income taxes67/77 | €32,879 | €16,762 | €29,639 | €76,308 | €70,971 | ▼ 7.0% |
| Taxes670/3 | - | €16,762 | €29,639 | €76,308 | €70,971 | ▼ 7.0% |
| Profit (loss) for the period9904 | €92,556 | €48,880 | €85,377 | €225,259 | €202,518 | ▼ 10.1% |
| Profit (loss) for the period to be appropriated9905 | €92,556 | €48,880 | €85,377 | €225,259 | €202,518 | ▼ 10.1% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €12.5m | €12.5m | €13.0m | €12.9m | €13.3m | ▲ 2.7% |
| Fixed assets21/28 | €79,746 | €225,986 | €164,237 | €106,928 | €69,852 | ▼ 34.7% |
| Intangible fixed assets21 | €66,272 | €220,971 | €162,898 | €105,936 | €69,207 | ▼ 34.7% |
| Tangible fixed assets22/27 | €13,424 | €4,964 | €1,288 | €942 | €595 | ▼ 36.8% |
| Plant, machinery and equipment23 | - | €1,635 | €1,288 | €942 | €595 | ▼ 36.8% |
| Furniture and vehicles24 | - | €3,329 | - | - | - | - |
| Financial fixed assets28 | €50 | €50 | €50 | €50 | €50 | = |
| Other financial fixed assets284/8 | - | €50 | €50 | €50 | €50 | = |
| Amounts receivable and cash guarantees285/8 | - | €50 | €50 | €50 | €50 | = |
| Current assets29/58 | €12.4m | €12.3m | €12.8m | €12.8m | €13.2m | ▲ 3.1% |
| Amounts receivable within one year40/41 | €304,767 | €292,282 | €276,380 | €246,774 | €205,176 | ▼ 16.9% |
| Trade receivables40 | - | €236,062 | €253,339 | €237,158 | €190,545 | ▼ 19.7% |
| Other amounts receivable41 | - | €56,220 | €23,040 | €9,616 | €14,631 | ▲ 52.2% |
| Current investments50/53 | €1.0m | €1.0m | €1.0m | €11.5m | €11.5m | = |
| Other investments51/53 | - | €1.0m | €1.0m | €11.5m | €11.5m | = |
| Cash at bank and in hand54/58 | €11.1m | €11.0m | €11.5m | €800,788 | €1.3m | ▲ 65.6% |
| Deferred charges and accrued income490/1 | - | €472 | €1,101 | €256,121 | €161,865 | ▼ 36.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €12.5m | €12.5m | €13.0m | €12.9m | €13.3m | ▲ 2.7% |
| Equity10/15 | €12.0m | €12.0m | €12.1m | €12.2m | €12.3m | ▲ 0.8% |
| Contributions10/11 | €7.0m | €7.0m | €7.0m | €7.0m | €7.0m | = |
| Capital10 | - | €7.0m | €7.0m | €7.0m | €7.0m | = |
| Issued capital100 | - | €7.0m | €7.0m | €7.0m | €7.0m | = |
| Reserves13 | €308,955 | €311,399 | €315,668 | €326,931 | €337,057 | ▲ 3.1% |
| Non-distributable reserves130/1 | - | €311,399 | €315,668 | €326,931 | €337,057 | ▲ 3.1% |
| Legal reserve130 | - | €311,399 | €315,668 | €326,931 | €337,057 | ▲ 3.1% |
| Profit (loss) carried forward14 | €4.7m | €4.7m | €4.8m | €4.9m | €5.0m | ▲ 1.9% |
| Amounts payable17/49 | €468,466 | €447,276 | €827,992 | €673,353 | €926,390 | ▲ 37.6% |
| Amounts payable within one year42/48 | €468,466 | €447,276 | €827,992 | €673,353 | €926,390 | ▲ 37.6% |
| Trade debts44 | €204,579 | €351,338 | €167,497 | €180,521 | €127,064 | ▼ 29.6% |
| Suppliers440/4 | - | €351,338 | €167,497 | €180,521 | €127,064 | ▼ 29.6% |
| Taxes, remuneration and social security45 | - | €18,516 | €15,053 | €25,376 | €49,152 | ▲ 93.7% |
| Taxes450/3 | - | - | - | €6,141 | €29,958 | ▲ 388% |
| Remuneration and social security454/9 | - | €18,516 | €15,053 | €19,236 | €19,194 | ▼ 0.2% |
| Other amounts payable47/48 | - | €77,422 | €645,442 | €467,455 | €750,174 | ▲ 60.5% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €92,556 | €48,880 | €85,377 | €225,259 | €202,518 | ▼ 10.1% |
| + Depreciation and write-downs630 | €56,581 | €39,139 | €61,749 | €57,309 | €37,076 | ▼ 35.3% |
| Operating cash flow (approximation) | €149,137 | €88,019 | €147,126 | €282,568 | €239,594 | ▼ 15.2% |
| Investment in fixed assets (approximation) | - | -€185,379 | €0 | €0 | €0 | - |
| Change in cash | - | -€130,347 | €543,116 | -€10.7m | €525,117 | ▲ 105% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
16-07
State Gazette act
Resignations: Simone TEIXEIRA (director) and Nathalie BETTING (director)Appointment: Laurent LETERRIER (director) · Permanent representatives: Art Vandermeulen and Tom Renders8 facts ▸
State Gazette act
Resignations: Simone TEIXEIRA (director) and Nathalie BETTING (director)
Appointment: Laurent LETERRIER (director) · Permanent representatives: Art Vandermeulen and Tom Renders8 facts ▸
- General meeting, 20-05-2026
- Director resignation, Simone TEIXEIRA (director)
- Director resignation, Nathalie BETTING (director)
- Director appointment, Laurent LETERRIER (director)
- Permanent representative, Art Vandermeulen (représentant permanent du commissaire)
- Permanent representative, Tom Renders (représentant permanent du commissaire)
- Other statement, commissaire, commissaire
- Board meeting, 08-06-2026
17-06
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
28-05
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
30-05
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
30-05
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
17-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Weakest financial yearnet €48,880 ▼47.2%
Net result drops to €48,880, the lowest in the series; recovery starts the following year.
28-05
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
15-05
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
04-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
09-05
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
23-05
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 19 acts read
About the unread acts
Of the 19 Belgian State Gazette acts we know for this company, 1 has been read. The other 18 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 director, last change in 2026
Laurent LETERRIER
CurrentDirector · since 16-07-2026
Derived from published Gazette acts. The CBE keeps the official list of function holders; we do not read it, so the two can differ.
See the function holders in the CBE →
Not every act has been read: a resignation may be missing here
18 of this company's 19 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Watermaal-Bosvoorde · 1 establishment unit since 2011
Ground area
7,508 m²
Building footprint
1,001 m²
Volume, LiDAR
31,433 m³
Parcel 21652E0041/00D002, Brussels · tallest building 37.2 m, ±11 floors. Linked by address, not a title deed.
147
companies at this address
See who is registered here
1 establishment unit
EPBF S.A.
since 20112.201.772.910
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21652E0041/00D002 | Brussels | 7,508 m² | 1 · 1,001 m² | 37.2 m · 11 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage: expect extra rules on renovation or sale.
Mandate history
3 people since 2026, 1 in office
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| Laurent LETERRIER |
|
| Nathalie BETTING |
|
| Simone TEIXEIRA |
|
Structure & network
Part of the group
BPCE
19 companies
Group, risk and exposure
Owners and holdings
3 ownersChain of control
- BPCEFR
- BRED BANQUE POPULAIREFR
- NJR INVEST
- EPBF
Highest known parent: BPCE (France). The sources do not say who stands above it.
Owners 3
- NJR INVESTparent99%
- BRED BANQUE POPULAIREFRparentSourceLEI registerconsolidated
- Cofeg SAFRSourceown accounts 20241%
Holdings 0
The accounts to 31-12-2024 list no holdings, and no other source names one.
According to the 2024 annual accounts of EPBF and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
1 current directorThe network starts from this company’s directors. Other companies they run appear here as nodes.
This company
Company
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Shareholding
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Recognitions · licences · registrations
Legal Entity Identifier
6994001OJHXTSUW2X478
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Company details
Identification
Legal formPublic limited company
Founded12-07-2011
Fiscal year end31-12
Activities, NACEBEL 2025
64999Other financial services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0837808497
Also
9925:BE0837808497
Registered
16-01-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.