Epistemy
ActiveEpistemy has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €28k and a net result of €-3k. Equity remains stable across the filed fiscal years (±1% per year). Its solvency ranks better than 75% of 7027 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
66
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability31▼-39
Solvency100▲+11
Growth52=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 1.53 against 2.03 in 2024; short-term debt: 22% and cash: 5.9% of total assets), and 22% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
78%
Return on assets
-7%
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 16-03-2026, 137 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
137 d early
2024
16 d early
2023
2 d early
2022
2 d late
2021
31 d late
2020
31 d late
2019
31 d late
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€28k▼ 8.2%
2024 · €31k
2018: €27k
2019: €35k
2020: €39k
2021: €46k
2022: €43k
2023: €44k
2024: €31k
2018 → 2025
Total assets
€36k▼ 24.4%
2024 · €48k
2018: €66k
2019: €45k
2020: €359k
2021: €119k
2022: €87k
2023: €67k
2024: €48k
2018 → 2025
Net result
€-3k
2024 · €389
2018: €16k
2019: €8k
2020: €12k
2021: €7k
2022: €-3k
2023: €855
2024: €389
2018 → 2025
Working capital
€4k▼ 76.0%
2024 · €18k
2018: €15k
2019: €23k
2020: €255k
2021: €27k
2022: €26k
2023: €29k
2024: €18k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€46k-€43k▼ 6.9%€44k▲ 2.0%€31k▼ 29.9%€28k▼ 8.2%
Operating result€11k-€630▼ 94.3%€-4k€2k€-990
Net result€7k-€-3k€855€389▼ 54.5%€-3k
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 turns negative in 2025: a loss of €990 after €2k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €36k
Fixed assets
€24k▲ 80.3%
Current assets
€12k▼ 64.8%
Equity and liabilities €36k
Equity
€28k▼ 8.2%
Debt
€8k▼ 53.6%
The debt ratio falls from 35.8% to 22.0%. Equity and debt are lower.
Key figures and ratios
EBITDA
€3k▼
2024 · €4k
Cash flow
€1k▼
2024 · €2k
Solvency
78.0%▲
2024 · 64.2%
Current ratio
1.53▼
2024 · 2.03
Quick ratio
1.53▼
2024 · 2.03
Debt / equity
0.28▼
2024 · 0.56
ROE
-8.9%▼
2024 · 1.3%
ROA
-7.0%▼
2024 · 0.8%
Interest coverage
2.54▼
2024 · 12.10
Debt
€8k▼
2024 · €17k
Debt ≤ 1 year
€8k▼
2024 · €17k
Income taxes
€511▼
2024 · €2k
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€48k€36k▼
Fixed assets21/28€13k€24k▲
Tangible fixed assets22/27€2k€12k▲
Furniture and vehicles24€2k€46▼
Other tangible fixed assets26-€12k
Financial fixed assets28€12k€12k=
Current assets29/58€34k€12k▼
Amounts receivable within one year40/41€108€1k▲
Trade receivables40€108-
Other amounts receivable41-€1k
Cash at bank and in hand54/58€33k€2k▼
Deferred charges and accrued income490/1€895€9k▲
Equity and liabilities
Total equity and liabilities10/49€48k€36k▼
Equity10/15€31k€28k▼
Contributions10/11€12k€12k=
Reserves13€19k€19k=
Distributable reserves133€19k€19k=
Profit (loss) carried forward14€-693€-3k▼
Amounts payable17/49€17k€8k▼
Amounts payable within one year42/48€17k€8k▼
Trade debts44€2k€5k▲
Suppliers440/4€2k€5k▲
Taxes, remuneration and social security45€10k€3k▼
Taxes450/3€10k€3k▼
Other amounts payable47/48€5k-
Accrued charges and deferred income492/3€124-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€4k▲
Other operating charges640/8€8k€6k▼
Gross operating margin9900€13k€9k▼
Operating profit (loss)9901€2k€-990▼
Financial income75/76B€107€106▼
Recurring financial income75€107€106▼
Financial charges65/66B€357€1k▲
Recurring financial charges65€357€1k▲
Profit (loss) for the period before taxes9903€2k€-2k▼
Income taxes67/77€2k€511▼
Profit (loss) for the period9904€389€-3k▼
Profit (loss) for the period to be appropriated9905€389€-3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-2k€-3k▼
Profit (loss) brought forward from the previous period14P€-2k€-693▲
Transfer from equity791/2€15k-
Profit to be distributed694/7€13k-
Return on contributions (dividend)694€13k-
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
16-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
15-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €855
Net result €855 after one loss-making year.
02-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 2 days late
2022
31-12
Financial
Weakest financial yearnet €-3k ▼145%
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
31-12
Financial
Liquidity doublescurrent ratio 3.13
Current ratio from 1.38 to 3.13; short-term debt falls from €39k to €11k.
18-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Gent · 1 establishment unit since 2017
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.
Nieuwland 349000 GentGround area
1,076 m²
Building footprint
95 m²
Volume, LiDAR
891 m³
Parcel 44021A2856/00S002, Flanders · tallest building 13.4 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Epistemy
since 20172.267.842.974
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44021A2856/00S002 | Flanders | 1,076 m² | 1 · 95 m² | 13.4 m · 4 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.
Recognitions · licences · registrations
Legal Entity Identifier
699400G4YS4HBVLZ9578
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Of 13,422 companies in sector 73300 we hold annual accounts for 6,901. 5,104 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-07-2017
Fiscal year end31-12
Activities, NACEBEL
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
58290Other software publishing
64200Holdings
64210Activities of holding companies
68110Buying and selling of own real estate
70200Business and other management consultancy
70220Business consulting
82300Organisation of conventions and trade shows
85599Other education
90032Arts creation and performing arts activities
90120Visual arts creation
Sources
Crossroads Bank for EnterprisesNational Bank · 8 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.