EPC BELGIQUE
ActiveSummary
EPC BELGIQUE has been active since 1982 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.39M and a net result of €626k. Equity remains stable across the filed fiscal years (±0.6% per year). Its solvency ranks better than 22% of 4867 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
62
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability79▲+1
Solvency45▲+5
Growth73▼-2
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €85k at 30 days acceptable
Liquidity tight (current ratio 1.03 against 0.99 in 2024; short-term debt: 61% and cash: 4.2% of total assets), and 80.1% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Nine signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
19.9%
Return on assets
9%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 4867 sector peers (2025).
NBB · sector comparisonPosition among 4867 sector peers
Solvency
better than 22%
← weakest
strongest →
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €1.39M
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 02-06-2026, 59 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
59 d early
2024
41 d early
2023
51 d early
2022
48 d early
2021
40 d early
2020
19 d early
2019
9 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€12.52M▼ 2.9%
2024 · €12.90M
2018: €6.84M
2019: €8.34M
2020: €8.91M
2021: €9.27M
2022: €12.15M
2023: €11.44M
2024: €12.90M
2018 → 2025
EBIT margin
7.9%▲ 0.4pp
2024 · 7.4%
2018: 11.0%
2019: 14.2%
2020: 13.2%
2021: 6.3%
2022: 6.6%
2023: 3.3%
2024: 7.4%
2018 → 2025
Net result
€626k▲ 11.0%
2024 · €564k
2018: €408k
2019: €743k
2020: €775k
2021: €354k
2022: €529k
2023: €152k
2024: €564k
2018 → 2025
Working capital
€108k
2024 · €-74k
2018: €-386k
2019: €398k
2020: €255k
2021: €125k
2022: €-94k
2023: €-397k
2024: €-74k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€9.27M-€12.15M▲ 31.1%€11.44M▼ 5.9%€12.90M▲ 12.7%€12.52M▼ 2.9%
Equity€1.36M-€1.36M▼ 0.1%€1.21M▼ 10.9%€1.22M=€1.39M▲ 14.5%
Operating result€588k-€807k▲ 37.2%€376k▼ 53.4%€960k▲ 155%€985k▲ 2.6%
Net result€354k-€529k▲ 49.6%€152k▼ 71.4%€564k▲ 272%€626k▲ 11.0%
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 3% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €6.98M
Fixed assets
€2.62M ▼ 11.4%
Current assets
€4.36M ▼ 13.5%
Equity and liabilities €6.98M
Equity
€1.39M ▲ 14.5%
Provisions
€168k ▼ 8.2%
Debt
€5.42M ▼ 17.8%
Debt's share of the balance-sheet total falls from 82.5% to 77.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€1.76M▼
2024 · €1.90M
Cash flow
€1.41M▼
2024 · €1.51M
Current ratio
1.03▲
2024 · 0.99
Quick ratio
0.80▲
2024 · 0.80
Debt to equity
3.90▼
2024 · 5.43
ROE
45.0%▼
2024 · 46.4%
ROA
9.0%▲
2024 · 7.1%
Interest coverage
72.14▲
2024 · 16.94
Debt ≤ 1 year
€4.26M▼
2024 · €5.12M
Debt > 1 year
€1.17M▼
2024 · €1.48M
Income taxes
€256k▼
2024 · €273k
Staff costs
€3.02M▲
2024 · €2.83M
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 84 lines
Balance sheet
Code20242025
Assets
Total assets20/58€8.00M€6.98M▼
Fixed assets21/28€2.95M€2.62M▼
Intangible fixed assets21€13k-
Tangible fixed assets22/27€2.44M€2.11M▼
Land and buildings22€180k€346k▲
Plant, machinery and equipment23€72k€53k▼
Furniture and vehicles24€41k€56k▲
Leasing and similar rights25€1.99M€1.66M▼
Assets under construction and advance payments27€156k-
Financial fixed assets28€505k€505k=
Affiliated companies280/1€499k€499k=
Participating interests280€499k€499k=
Other financial fixed assets284/8€6k€6k▲
Amounts receivable and cash guarantees285/8€6k€6k▲
Current assets29/58€5.04M€4.36M▼
Stocks and contracts in progress3€965k€968k▲
Stocks30/36€965k€968k▲
Raw materials and consumables30/31€244k€236k▼
Finished goods33€22k€27k▲
Goods purchased for resale34€699k€705k▲
Amounts receivable within one year40/41€3.55M€3.01M▼
Trade receivables40€3.22M€2.55M▼
Other amounts receivable41€322k€459k▲
Cash at bank and in hand54/58€443k€295k▼
Deferred charges and accrued income490/1€91k€90k▼
Equity and liabilities
Total equity and liabilities10/49€8.00M€6.98M▼
Equity10/15€1.22M€1.39M▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€6k€6k=
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Profit (loss) carried forward14€1.15M€1.32M▲
Provisions and deferred taxes16€183k€168k▼
Provisions for liabilities and charges160/5€183k€168k▼
Environmental obligations163€183k€168k▼
Amounts payable17/49€6.60M€5.42M▼
Amounts payable after more than one year17€1.48M€1.17M▼
Financial debts170/4€1.48M€1.17M▼
Leasing and similar obligations172€1.48M€1.17M▼
Amounts payable within one year42/48€5.12M€4.26M▼
Current portion of amounts payable after more than one year42€775k€692k▼
Trade debts44€2.21M€1.53M▼
Suppliers440/4€2.21M€1.53M▼
Taxes, remuneration and social security45€628k€611k▼
Taxes450/3€124k€166k▲
Remuneration and social security454/9€504k€445k▼
Other amounts payable47/48€1.50M€1.43M▼
Accrued charges and deferred income492/3€5k-
Income statement
Code20242025
Operating income70/76A€13.91M€13.47M▼
Turnover70€12.90M€12.52M▼
Change in stocks of work in progress, finished goods and contracts in progress71€15k€5k▼
Other operating income74€992k€936k▼
Operating charges60/66A€12.95M€12.48M▼
Goods for resale, raw materials and consumables60€5.53M€5.28M▼
Purchases600/8€5.58M€5.28M▼
Change in stocks: decrease (increase)609€-53k€2k▲
Services and other goods61€3.27M€3.30M▲
Remuneration, social security and pensions62€2.83M€3.02M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€941k€779k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€13k€11k▼
Other operating charges640/8€178k€85k▼
Non-recurring operating charges66A€183k€10k▼
Operating profit (loss)9901€960k€985k▲
Financial income75/76B€2k€4k▲
Recurring financial income75€2k€4k▲
Income from current assets751€2k€4k▲
Other financial income752/9€553€104▼
Financial charges65/66B€125k€107k▼
Recurring financial charges65€125k€107k▼
Debt charges650€112k€24k▼
Other financial charges652/9€13k€83k▲
Profit (loss) for the period before taxes9903€838k€882k▲
Income taxes67/77€273k€256k▼
Taxes670/3€277k€256k▼
Tax adjustments and reversals of tax provisions77€4k-
Profit (loss) for the period9904€564k€626k▲
Profit (loss) for the period to be appropriated9905€564k€626k▲
Appropriation of the result
Profit (loss) to be appropriated9906€1.71M€1.77M▲
Profit (loss) brought forward from the previous period14P€1.15M€1.15M=
Profit to be distributed694/7€564k€450k▼
Return on contributions (dividend)694€564k€450k▼
Social balance
Average headcount (FTE)908740.943.9▲
The notes to these accounts (80 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
02-06
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
20-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
10-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Weakest financial yearnet €152k ▼71.4%
Net result drops to €152k, the lowest in the series; recovery starts the following year.
13-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
21-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
12-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Highest result since 2018net €775k ▲4.2%
Net result €775k, the highest in the series.
22-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Equity above €1MEq €1.29M ▲137%
2 profitable years in a row build equity to €1.29M.
12-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
08-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
12-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
22 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, Amay · 2 establishment units since 2001
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.
Rue du Bois de Huy(AMP) 5 D4540 AmayGround area
4,165 m²
Building footprint
480 m²
Volume, LiDAR
2,048 m³
2 parcels, Wallonia · tallest building 9.4 m, ±1 floor. Linked by address, not a title deed.
2 establishment units
Rue du Bois de Huy(AMP) 5, 4540 Amay
since 20012.034.816.114
EPC Belgique
since 20102.261.062.278
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 61061A0286/00T002 | Wallonia | 3,684 m² | 1 · 415 m² | 9.4 m · 1 fl. |
| 61004A0402/00H000 | Wallonia | 481 m² | 1 · 65 m² | - |
Linked by address, not proof of ownership
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.
Recognitions · licences · registrations
Legal Entity Identifier
64883P7KYX4O8F2Q6705
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Of 1,565 companies in sector 46900 we hold annual accounts for 920. 570 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded05-03-1982
Fiscal year end31-12
Activities, NACEBEL 2025
43130Specialised construction activities
46900Non-specialised wholesale trade
46649Wholesale of other machinery and equipment
Sources
Crossroads Bank for EnterprisesNational Bank · 42 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.