EPC IMMO
ActiveEPC IMMO has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €34k and a net result of €18k. Equity is growing by ~13% per year across the filed fiscal years. Its solvency ranks better than 59% of 14079 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
79
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability96▼-4
Solvency66▼-7
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity ample (current ratio 2.69 against 1.77 in 2024; short-term debt: 29.6% and cash: 20.6% of total assets), but 58.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
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
41.3%
Return on assets
21.8%
Age of the figures
9 mo
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 08-06-2026, 53 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
53 d early
2024
59 d early
2023
50 d early
2022
56 d early
2021
54 d early
2020
54 d early
2019
38 d early
← 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€0
Total assets
€83k▲ 144%
2024 · €34k
2018: €10k
2019: €18k
2020: €17k
2021: €27k
2022: €25k
2023: €10k
2024: €34k
2018 → 2025
Net result
€18k▲ 25.8%
2024 · €14k
2018: €-7k
2019: €8k
2020: €-312
2021: €7k
2022: €-3k
2023: €-19k
2024: €14k
2018 → 2025
Working capital
€42k▲ 205%
2024 · €14k
2019: €17k
2020: €17k
2021: €24k
2022: €18k
2023: €-1k
2024: €14k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€0
Equity€24k-€21k▼ 12.7%€2k▼ 91.2%€16k▲ 779%€34k▲ 112%
Operating result€9k-€-3k€-17k▼ 451%€12k€21k▲ 78.5%
Net result€7k-€-3k€-19k▼ 525%€14k€18k▲ 25.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 78% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €83k
Fixed assets
€17k▲ 548%
Current assets
€66k▲ 111%
Equity and liabilities €83k
Equity
€34k▲ 112%
Debt
€49k▲ 175%
The debt ratio rises from 52.3% to 58.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€24k▲
2024 · €13k
Cash flow
€21k▲
2024 · €16k
Solvency
41.3%▼
2024 · 47.7%
Current ratio
2.69▲
2024 · 1.77
Quick ratio
2.69▲
2024 · 1.77
Debt / equity
1.42▲
2024 · 1.09
ROE
52.7%▼
2024 · 88.6%
ROA
21.8%▼
2024 · 42.3%
Interest coverage
74.63▼
2024 · 1322754.00
Debt
€49k▲
2024 · €18k
Debt ≤ 1 year
€25k▲
2024 · €18k
Debt > 1 year
€24k
Income taxes
€3k▲
2024 · €-2k
Staff costs
€25k▲
2024 · €0
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€34k€83k▲
Fixed assets21/28€3k€17k▲
Tangible fixed assets22/27€3k€17k▲
Plant, machinery and equipment23-€2k
Furniture and vehicles24€3k€15k▲
Current assets29/58€31k€66k▲
Amounts receivable within one year40/41€12k€21k▲
Trade receivables40€11k€11k▲
Other amounts receivable41€2k€10k▲
Cash at bank and in hand54/58€18k€17k▼
Deferred charges and accrued income490/1€1k€28k▲
Equity and liabilities
Total equity and liabilities10/49€34k€83k▲
Equity10/15€16k€34k▲
Contributions10/11€19k€19k=
Profit (loss) carried forward14€-2k€16k▲
Amounts payable17/49€18k€49k▲
Amounts payable after more than one year17-€24k
Financial debts170/4-€24k
Amounts payable within one year42/48€18k€25k▲
Trade debts44€7k€8k▲
Suppliers440/4€7k€8k▲
Advances received on contracts in progress46-€0
Taxes, remuneration and social security45€8k€13k▲
Taxes450/3€2k€2k▼
Remuneration and social security454/9€5k€11k▲
Other amounts payable47/48€4k€3k▼
Income statement
Code20242025
Turnover70-€0
Goods, raw materials, services and sundry goods60/61-€0
Remuneration, social security and pensions62€0€25k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€3k▲
Other operating charges640/8€2k€656▼
Non-recurring operating charges66A-€0
Gross operating margin9900€15k€50k▲
Operating profit (loss)9901€12k€21k▲
Financial income75/76B€0€3▲
Recurring financial income75€0€3▲
Financial charges65/66B€0€325▲
Recurring financial charges65€0€325▲
Profit (loss) for the period before taxes9903€12k€21k▲
Income taxes67/77€-2k€3k▲
Profit (loss) for the period9904€14k€18k▲
Profit (loss) for the period to be appropriated9905€14k€18k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-2k€16k▲
Profit (loss) brought forward from the previous period14P€-17k€-2k▲
The notes to these accounts (8 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
08-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €18k ▲25.8%
Operating result €21k, net result €18k, both a record.
02-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €14k
Net result €14k after 2 loss-making years.
31-12
Financial
Liquidity doublescurrent ratio 1.77
Current ratio from 0.86 to 1.77.
11-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-19k
Net result drops to €-19k, the lowest in the series; recovery starts the following year.
05-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
07-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
07-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
23-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
01-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
16-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
10-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Fexhe-le-Haut-Clocher · 1 establishment unit since 2016
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 Monument 44347 Fexhe-le-Haut-ClocherGround area
1,866 m²
Building footprint
245 m²
Volume, LiDAR
1,803 m³
2 parcels, Wallonia · tallest building 9.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
EPC IMMO
since 20162.252.776.597
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62332B0084/00Y002 | Wallonia | 1,349 m² | 1 · 122 m² | 9.8 m · 2 fl. |
| 64424A0312/00C000indicative | Wallonia | 517 m² | 1 · 123 m² | 9.2 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
1 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 9,695 companies in sector 68121 we hold annual accounts for 7,383. 4,666 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-04-2016
Fiscal year end31-12
Activities, NACEBEL
68121Development of residential building projects
43990Other specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.