EPIVORE
ActiveThe computed 12-month bankruptcy probability of EPIVORE is 1.6% (moderate). The 2025 annual accounts show equity of €170k and a net result of €13k. Equity is growing by ~8.9% per year across the filed fiscal years. Its solvency ranks better than 40% of 13090 sector peers (fiscal year 2025). The company has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
62
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability71▲+38
Solvency44▲+2
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity tight (current ratio 1.24 against 1.24 in 2024; short-term debt: 29.8% and cash: 28.4% of total assets), and 80.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← 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
19.1%
Return on assets
1.5%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
28 d late
2024
27 d late
2023
30 d late
2022
49 d late
2021
78 d late
2020
31 d late
2019
27 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€13k
2024 · €-25k
2018: €6k
2019: €15k
2020: €-35k
2021: €94k
2022: €18k
2023: €11k
2024: €-25k
2018 → 2025
Working capital
€64k▲ 3.5%
2024 · €61k
2018: €38k
2019: €92k
2020: €51k
2021: €126k
2022: €123k
2023: €101k
2024: €61k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€153k-€171k▲ 11.5%€182k▲ 6.5%€157k▼ 13.7%€170k▲ 8.4%
Operating result€130k-€41k▼ 68.5%€32k▼ 23.0%€-11k€35k
Net result€94k-€18k▼ 81.2%€11k▼ 37.0%€-25k€13k
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €35k after a loss of €11k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €890k
Fixed assets
€562k▼ 5.8%
Current assets
€329k▲ 2.8%
Equity and liabilities €890k
Equity
€170k▲ 8.4%
Debt
€720k▼ 5.1%
The debt ratio falls from 82.9% to 80.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€81k▲
2024 · €28k
Cash flow
€59k▲
2024 · €14k
Solvency
19.1%▲
2024 · 17.1%
Current ratio
1.24▲
2024 · 1.24
Quick ratio
1.09▲
2024 · 1.09
Debt / equity
4.24▼
2024 · 4.84
ROE
7.8%▲
2024 · -15.9%
ROA
1.5%▲
2024 · -2.7%
Interest coverage
6.42▲
2024 · 2.17
Debt
€720k▼
2024 · €759k
Debt ≤ 1 year
€265k▲
2024 · €258k
Debt > 1 year
€455k▼
2024 · €501k
Income taxes
€10k▲
2024 · €878
Staff costs
€484k▲
2024 · €447k
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€916k€890k▼
Fixed assets21/28€596k€562k▼
Intangible fixed assets21€0€0=
Tangible fixed assets22/27€595k€560k▼
Land and buildings22€546k€524k▼
Plant, machinery and equipment23€7k€6k▼
Furniture and vehicles24€41k€31k▼
Financial fixed assets28€2k€2k=
Current assets29/58€320k€329k▲
Stocks and contracts in progress3€38k€39k▲
Stocks30/36€38k€39k▲
Amounts receivable within one year40/41€6k€21k▲
Trade receivables40€3k€19k▲
Other amounts receivable41€3k€2k▼
Current investments50/53€10k€10k=
Cash at bank and in hand54/58€261k€252k▼
Deferred charges and accrued income490/1€4k€6k▲
Equity and liabilities
Total equity and liabilities10/49€916k€890k▼
Equity10/15€157k€170k▲
Contributions10/11€75k€75k=
Capital10€75k-
Issued capital100€75k-
Reserves13€25k€25k=
Non-distributable reserves130/1€8k€8k=
Legal reserve130€8k-
Reserves not available under the articles1311-€8k
Distributable reserves133€18k€18k=
Profit (loss) carried forward14€57k€70k▲
Amounts payable17/49€759k€720k▼
Amounts payable after more than one year17€501k€455k▼
Financial debts170/4€501k€455k▼
Amounts payable within one year42/48€258k€265k▲
Current portion of amounts payable after more than one year42€52k€51k▼
Trade debts44€74k€82k▲
Suppliers440/4€74k€82k▲
Taxes, remuneration and social security45€92k€95k▲
Taxes450/3€13k€14k▲
Remuneration and social security454/9€80k€81k▲
Other amounts payable47/48€40k€37k▼
Income statement
Code20242025
Remuneration, social security and pensions62€447k€484k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€39k€46k▲
Other operating charges640/8€5k€5k▲
Gross operating margin9900€479k€569k▲
Operating profit (loss)9901€-11k€35k▲
Financial income75/76B€192€375▲
Recurring financial income75€192€375▲
Financial charges65/66B€13k€13k▼
Recurring financial charges65€13k€13k▼
Profit (loss) for the period before taxes9903€-24k€23k▲
Income taxes67/77€878€10k▲
Profit (loss) for the period9904€-25k€13k▲
Profit (loss) for the period to be appropriated9905€-25k€13k▲
Appropriation of the result
Profit (loss) to be appropriated9906€57k€70k▲
Profit (loss) brought forward from the previous period14P€82k€57k▼
The notes to these accounts (10 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-12
Financial
Back to profitnet €13k
Net result €13k after one loss-making year.
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 30 days late
2023
18-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 49 days late
2022
17-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 78 days late
2021
31-12
Financial
Back to profitnet €94k
Net result €94k after one loss-making year.
31-12
Financial
Equity above €150kEq €153k ▲158%
Equity rises from €59k to €153k.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Weakest financial yearnet €-35k ▼327%
Net result drops to €-35k, the lowest in the series; recovery starts the following year.
27-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 27 days late
2019
22-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 22 days late
2018
27-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 58 days late
2017
26-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 57 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Ukkel · 1 establishment unit since 2004
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.
Engelandstraat 1721180 UkkelGround area
167 m²
Building footprint
167 m²
Volume, LiDAR
844 m³
Parcel 21614F0291/00K004, Brussels · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
LA BRANCHE D'OLIVIER
since 20042.135.668.497
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21614F0291/00K004 | Brussels | 167 m² | 1 · 167 m² | 9.2 m · 2 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
Food safety, FASFC
1 siteUkkel2.135.668.497
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Of 20,506 companies in sector 56111 we hold annual accounts for 11,453. 8,855 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded16-01-2004
Fiscal year end31-12
Activities, NACEBEL
55301
56101Full-service restaurants
56111Full-service restaurants
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesPhone:02/3744705
Fax:02/3757690