EPC Jan Schepens
ActiveEPC Jan Schepens has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €9k and a net result of €32k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 11% of 9430 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
67
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability62▼-23
Solvency28▼-2
Growth58▼-20
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity short (current ratio 0.2 against 0.36 in 2024; short-term debt: 17.3% of total assets), and 97.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 71
Relative position
BE, all sectors
reference
Sector 71
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
2.9%
Return on assets
9.7%
Age of the figures
12 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 11% of 9430 sector peers (2025).
NBB · sector comparisonPosition among 9430 sector peers
Solvency
better than 11%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 26-03-2026, 35 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
35 d early
2024
62 d early
2023
90 d early
2022
61 d early
2021
64 d early
2020
2 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
19-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€9k▼ 44.1%
2024 · €17k
2020: €11k
2021: €803
2022: €11k
2023: €28k
2024: €17k
2020 → 2025
Total assets
€326k▼ 6.4%
2024 · €348k
2020: €20k
2021: €21k
2022: €41k
2023: €62k
2024: €348k
2020 → 2025
Net result
€32k▼ 31.5%
2024 · €46k
2020: €19k
2021: €20k
2022: €51k
2023: €68k
2024: €46k
2020 → 2025
Working capital
€-45k▼ 3.3%
2024 · €-44k
2020: €3k
2021: €-6k
2022: €-276
2023: €19k
2024: €-44k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€803-€11k▲ 1,279%€28k▲ 153%€17k▼ 40.5%€9k▼ 44.1%
Operating result€27k-€68k▲ 153%€80k▲ 19.1%€62k▼ 22.5%€49k▼ 21.9%
Net result€20k-€51k▲ 157%€68k▲ 32.8%€46k▼ 32.0%€32k▼ 31.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 22% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €326k
Fixed assets
€315k▼ 2.8%
Current assets
€11k▼ 54.3%
Equity and liabilities €326k
Equity
€9k▼ 44.1%
Debt
€317k▼ 4.5%
The debt ratio rises from 95.2% to 97.1%. Equity and debt are lower.
Key figures and ratios
EBITDA
€58k▼
2024 · €107k
Cash flow
€40k▼
2024 · €91k
Solvency
2.9%▼
2024 · 4.8%
Current ratio
0.20▼
2024 · 0.36
Quick ratio
0.20▼
2024 · 0.36
Debt / equity
33.98▲
2024 · 19.89
ROE
338.3%▲
2024 · 276.3%
ROA
9.7%▼
2024 · 13.2%
Interest coverage
3.77▼
2024 · 9.99
Debt
€317k▼
2024 · €332k
Debt ≤ 1 year
€56k▼
2024 · €68k
Debt > 1 year
€260k▼
2024 · €263k
Income taxes
€2k▼
2024 · €6k
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€348k€326k▼
Fixed assets21/28€324k€315k▼
Intangible fixed assets21€3k€1k▼
Tangible fixed assets22/27€321k€313k▼
Land and buildings22€313k€308k▼
Plant, machinery and equipment23€6k€4k▼
Furniture and vehicles24€2k€1k▼
Current assets29/58€25k€11k▼
Amounts receivable within one year40/41€16k€10k▼
Trade receivables40€15k€8k▼
Other amounts receivable41€891€2k▲
Cash at bank and in hand54/58€7k-
Deferred charges and accrued income490/1€1k€1k▼
Equity and liabilities
Total equity and liabilities10/49€348k€326k▼
Equity10/15€17k€9k▼
Contributions10/11€500€500=
Outside capital11€500€500=
Other1109/19€500€500=
Reserves13€16k€9k▼
Distributable reserves133€16k€9k▼
Amounts payable17/49€332k€317k▼
Amounts payable after more than one year17€263k€260k▼
Financial debts170/4€263k€260k▼
Amounts payable within one year42/48€68k€56k▼
Current portion of amounts payable after more than one year42€14k€21k▲
Financial debts43€20k€7k▼
Credit institutions430/8€20k€7k▼
Trade debts44€16k€6k▼
Suppliers440/4€16k€6k▼
Taxes, remuneration and social security45€19k€22k▲
Taxes450/3€19k€22k▲
Income statement
Code20242025
Non-recurring operating income76A€14k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€45k€9k▼
Other operating charges640/8€3k€3k▼
Gross operating margin9900€110k€60k▼
Operating profit (loss)9901€62k€49k▼
Financial income75/76B€124€1▼
Recurring financial income75€124€1▼
Financial charges65/66B€11k€15k▲
Recurring financial charges65€11k€15k▲
Profit (loss) for the period before taxes9903€52k€33k▼
Income taxes67/77€6k€2k▼
Profit (loss) for the period9904€46k€32k▼
Profit (loss) for the period to be appropriated9905€46k€32k▼
Appropriation of the result
Profit (loss) to be appropriated9906€46k€32k▼
Transfer from equity791/2€11k€7k▼
Profit to be distributed694/7€57k€39k▼
Return on contributions (dividend)694€27k€9k▼
Directors or managers695€30k€30k=
The notes to these accounts (7 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
26-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
27-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Highest result since 2020net €68k ▲32.8%
Operating result €80k, net result €68k, both a record.
28-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
25-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
28-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Koksijde · 1 establishment unit since 2019
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.
Noordstraat(Kok) 88670 KoksijdeGround area
358 m²
Building footprint
199 m²
Volume, LiDAR
1,433 m³
Parcel 38342H0760/00_000, Flanders · tallest building 12.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
EPC Jan Schepens
since 20192.295.086.316
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 38342H0760/00_000 | Flanders | 358 m² | 1 · 199 m² | 12.3 m · 3 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
2024 · 1 entry · 195 EUR awarded · 195 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 195 EUR | 195 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 11,553 companies in sector 71121 we hold annual accounts for 6,558. 2,825 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-10-2019
Fiscal year end30-09
Activities, NACEBEL
71121Engineering and related technical consultancy, excluding land surveyors
Sources
Crossroads Bank for EnterprisesNational Bank · 6 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.
Contact details
1 entryE-mail:jan@epc-schepens.be