EPECTO
ActiveSummary
EPECTO has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €350k and a net result of €2k. Equity remains stable across the filed fiscal years (±0.2% per year). Its solvency ranks better than 19% of 8663 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
53
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability38=
Solvency41=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €18k at 30 days acceptable
Liquidity short (current ratio 0.0 against 0.0 in 2024; short-term debt: 65.2% and cash: 0% of total assets), and 84.4% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
15.6%
Return on assets
0.1%
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 19% of 8663 sector peers (2025).
NBB · sector comparisonPosition among 8663 sector peers
Solvency
better than 19%
← 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 23-04-2026, 7 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
7 d early
2024
9 d early
2023
on the day
2022
4 d early
2021
3 d late
2020
1 d early
2019
31 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 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€350k▲ 0.5%
2024 · €348k
2018: €346k
2019: €345k
2020: €346k
2021: €347k
2022: €350k
2023: €347k
2024: €348k
2018 → 2025
Total assets
€2.23M▼ 0.1%
2024 · €2.24M
2018: €2.26M
2019: €2.25M
2020: €2.26M
2021: €2.27M
2022: €2.28M
2023: €2.23M
2024: €2.24M
2018 → 2025
Net result
€2k▲ 41.4%
2024 · €1k
2018: €-388
2019: €-481
2020: €835
2021: €1k
2022: €2k
2023: €-3k
2024: €1k
2018 → 2025
Working capital
€-1.45M▼ 0.1%
2024 · €-1.45M
2018: €-1.35M
2019: €-1.37M
2020: €-1.38M
2021: €-1.40M
2022: €-1.41M
2023: €-1.43M
2024: €-1.45M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€347k-€350k▲ 0.7%€347k▼ 0.8%€348k▲ 0.3%€350k▲ 0.5%
Operating result€6k-€8k▲ 24.0%€1k▼ 81.0%€5k▲ 255%€5k▼ 7.6%
Net result€1k-€2k▲ 125%€-3k€1k€2k▲ 41.4%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 8% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.23M
Fixed assets
€2.23M =
Current assets
€4k ▼ 43.0%
Equity and liabilities €2.23M
Equity
€350k ▲ 0.5%
Debt
€1.88M ▼ 0.2%
Debt's share of the balance-sheet total falls from 84.4% to 84.4%. Equity is higher and debt is lower.
Key figures and ratios
Current ratio
0.00▼
2024 · 0.00
Debt to equity
5.39▼
2024 · 5.43
ROE
0.5%▲
2024 · 0.3%
ROA
0.1%▲
2024 · 0.1%
Debt ≤ 1 year
€1.46M▼
2024 · €1.46M
Debt > 1 year
€426k▼
2024 · €428k
Income taxes
€157
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 · 46 lines
Balance sheet
Code20242025
Assets
Total assets20/58€2.24M€2.23M▼
Fixed assets21/28€2.23M€2.23M=
Financial fixed assets28€2.23M€2.23M=
Current assets29/58€7k€4k▼
Amounts receivable within one year40/41€3k€4k▲
Trade receivables40€3k€3k=
Other amounts receivable41-€630
Cash at bank and in hand54/58€4k€162▼
Deferred charges and accrued income490/1-€45
Equity and liabilities
Total equity and liabilities10/49€2.24M€2.23M▼
Equity10/15€348k€350k▲
Contributions10/11€125k€125k=
Reserves13€222k€224k▲
Non-distributable reserves130/1€13k€13k=
Reserves not available under the articles1311€13k€13k=
Distributable reserves133€209k€211k▲
Profit (loss) carried forward14€1k€1k▼
Amounts payable17/49€1.89M€1.88M▼
Amounts payable after more than one year17€428k€426k▼
Financial debts170/4€0-
Other amounts payable178/9€428k€426k▼
Amounts payable within one year42/48€1.46M€1.46M▼
Current portion of amounts payable after more than one year42€25k€6k▼
Trade debts44€8k€6k▼
Suppliers440/4€8k€6k▼
Taxes, remuneration and social security45€822€718▼
Taxes450/3€822€718▼
Other amounts payable47/48€1.42M€1.44M▲
Accrued charges and deferred income492/3€2k€2k▼
Income statement
Code20242025
Other operating charges640/8€1k€1k▼
Gross operating margin9900€6k€6k▼
Operating profit (loss)9901€5k€5k▼
Financial income75/76B€2€0▼
Recurring financial income75€2€0▼
Financial charges65/66B€4k€3k▼
Recurring financial charges65€4k€3k▼
Profit (loss) for the period before taxes9903€1k€2k▲
Income taxes67/77-€157
Profit (loss) for the period9904€1k€2k▲
Profit (loss) for the period to be appropriated9905€1k€2k▲
Appropriation of the result
Profit (loss) to be appropriated9906€1k€3k▲
Profit (loss) brought forward from the previous period14P€265€1k▲
Transfer from equity791/2€0-
Transfer to equity691/2-€2k
To other reserves6921-€2k
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (11 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
23-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
21-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-09
Financial
Back to profitnet €1k
Net result €1k after one loss-making year.
30-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-09
Financial
Weakest financial yearnet €-3k
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
26-04
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-09
Financial
Highest result since 2018net €2k ▲125%
Operating result €8k, net result €2k, both a record.
03-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 3 days late
2021
29-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Back to profitnet €835
Net result €835 after 2 loss-making years.
30-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
26-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
27-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-04
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
2 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, Kruisem · 1 establishment unit since 2008
Ground area
463 m²
Building footprint
90 m²
Parcel 45057A0132/00B002, Flanders. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Kruishoutemsesteenweg 96, 9750 Kruisem
since 20082.173.383.186
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45057A0132/00B002 | Flanders | 463 m² | 1 · 90 m² | - |
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.
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ETAM SERVICES
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VILLA ROMANA
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Of 82,553 companies in sector 70200 we hold annual accounts for 52,572. 37,229 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 formPrivate limited company (pre-2019)
Founded18-08-2008
Fiscal year end30-09
Activities, NACEBEL 2025
70200Business and other management consultancy
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.