EPOCA PRODUCTS
ActiveEPOCA PRODUCTS has been active since 1981 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €1.69M and a net result of €47k. Equity is growing by ~7.3% per year across the filed fiscal years. Its solvency ranks better than 74% of 5988 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2024
75
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability63▼-17
Solvency89=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €120k at 30 days acceptable
Liquidity ample (current ratio 3.09 against 3.41 in 2023; short-term debt: 25.5% and cash: 10.5% of total assets), and 36.3% 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 · 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← 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 2024Solvency, return and age of the figures
Solvency
63.7%
Return on assets
1.8%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 16-06-2025, 45 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
45 d early
2023
12 d late
2022
21 d late
2021
44 d early
2020
67 d early
2019
34 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€47k▼ 81.2%
2023 · €249k
2018: €153k
2019: €29k
2020: €121k
2021: €188k
2022: €421k
2023: €249k
2018 → 2024
Working capital
€1.42M▼ 20.6%
2023 · €1.79M
2018: €1.52M
2019: €1.39M
2020: €1.37M
2021: €1.44M
2022: €1.68M
2023: €1.79M
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€1.19M-€1.28M▲ 7.3%€1.60M▲ 25.0%€1.75M▲ 9.2%€1.69M▼ 3.1%
Operating result€172k-€263k▲ 53.2%€606k▲ 130%€368k▼ 39.1%€87k▼ 76.3%
Net result€121k-€188k▲ 55.8%€421k▲ 124%€249k▼ 40.9%€47k▼ 81.2%
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2024 is 76% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €2.66M
Fixed assets
€562k▲ 206%
Current assets
€2.09M▼ 17.1%
Equity and liabilities €2.66M
Equity
€1.69M▼ 3.1%
Debt
€964k=
The debt ratio rises from 35.5% to 36.3%. Equity is lower.
Key figures and ratios
EBITDA
€151k▼
2023 · €408k
Cash flow
€111k▼
2023 · €288k
Solvency
63.7%▼
2023 · 64.5%
Current ratio
3.09▼
2023 · 3.41
Quick ratio
2.46▼
2023 · 2.80
Debt / equity
0.57▲
2023 · 0.55
ROE
2.8%▼
2023 · 14.2%
ROA
1.8%▼
2023 · 9.2%
Interest coverage
5.08▼
2023 · 13.66
Debt
€964k=
2023 · €963k
Debt ≤ 1 year
€678k▼
2023 · €742k
Debt > 1 year
€281k▲
2023 · €198k
Income taxes
€33k▼
2023 · €116k
Staff costs
€435k▲
2023 · €343k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€2.71M€2.66M▼
Fixed assets21/28€184k€562k▲
Intangible fixed assets21€11k€301k▲
Tangible fixed assets22/27€171k€259k▲
Land and buildings22€163k€244k▲
Plant, machinery and equipment23-€12k
Furniture and vehicles24€8k€3k▼
Financial fixed assets28€2k€2k=
Current assets29/58€2.53M€2.09M▼
Stocks and contracts in progress3€448k€425k▼
Stocks30/36€448k€425k▼
Amounts receivable within one year40/41€1.08M€1.24M▲
Trade receivables40€669k€832k▲
Other amounts receivable41€410k€408k▼
Current investments50/53€52k€139k▲
Cash at bank and in hand54/58€931k€280k▼
Deferred charges and accrued income490/1€17k€10k▼
Equity and liabilities
Total equity and liabilities10/49€2.71M€2.66M▼
Equity10/15€1.75M€1.69M▼
Contributions10/11€222k€222k=
Capital10€222k€222k=
Issued capital100€222k€222k=
Reserves13€1.52M€1.47M▼
Non-distributable reserves130/1€22k€22k=
Legal reserve130€22k€22k=
Tax-exempt reserves132€151k€151k=
Distributable reserves133€1.35M€1.30M▼
Profit (loss) carried forward14€2k€3k▲
Investment grants15€1k-
Amounts payable17/49€963k€964k=
Amounts payable after more than one year17€198k€281k▲
Financial debts170/4€198k€281k▲
Amounts payable within one year42/48€742k€678k▼
Current portion of amounts payable after more than one year42€71k€115k▲
Trade debts44€299k€227k▼
Suppliers440/4€299k€227k▼
Taxes, remuneration and social security45€139k€108k▼
Taxes450/3€103k€62k▼
Remuneration and social security454/9€35k€46k▲
Other amounts payable47/48€234k€228k▼
Accrued charges and deferred income492/3€23k€5k▼
Income statement
Code20232024
Remuneration, social security and pensions62€343k€435k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€39k€64k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€30k€3k▼
Other operating charges640/8€5k€6k▲
Gross operating margin9900€785k€596k▼
Operating profit (loss)9901€368k€87k▼
Financial income75/76B€26k€22k▼
Recurring financial income75€26k€22k▼
Financial charges65/66B€30k€30k=
Recurring financial charges65€30k€30k=
Profit (loss) for the period before taxes9903€364k€79k▼
Income taxes67/77€116k€33k▼
Profit (loss) for the period9904€249k€47k▼
Transfer to tax-exempt reserves689€95k-
Profit (loss) for the period to be appropriated9905€154k€47k▼
Appropriation of the result
Profit (loss) to be appropriated9906€155k€49k▼
Profit (loss) brought forward from the previous period14P€2k€2k▲
Transfer from equity791/2€100k€100k=
Transfer to equity691/2€153k€47k▼
To other reserves6921€153k€47k▼
Profit to be distributed694/7€100k€100k=
Return on contributions (dividend)694€100k€100k=
Social balance
Average headcount (FTE)90875.26.5▲
The notes to these accounts (13 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
16-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
12-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 12 days late
2023
21-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 21 days late
2022
31-12
Financial
Highest result since 2018net €421k ▲124%
Operating result €606k, net result €421k, both a record.
17-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
25-05
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
03-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 34 days late
2019
31-12
Financial
Weakest financial yearnet €29k ▼81.2%
Net result drops to €29k, the lowest in the series; recovery starts the following year.
26-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
24-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 29 days late
2016
12-07
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
11 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, Wavre · 1 establishment unit since 1998
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.
Avenue Vésale 81300 WavreGround area
1,373 m²
Building footprint
1,354 m²
Parcel 25112B0045/00N000, Wallonia. Linked by address, not a title deed.
1 establishment unit
Avenue Vésale 8, 1300 Wavre
since 19982.038.763.123
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25112B0045/00N000 | Wallonia | 1,373 m² | 1 · 1,354 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteWavre2.038.763.123
Similar companies · same sector, comparable size
I-doornassau
BE 0878.712.805
Aalst · Eq €1.68M
NOTRE ATELIER
BE 0876.755.680
Mouscron · Eq €1.71M
DSH BELGIUM
BE 0669.612.477
Houthalen-Helchteren · Eq €1.71M
KUBO SUPPLY
BE 0894.942.982
Antwerpen · Eq €1.72M
Old Establis. Zavieh Import-Export
BE 0420.834.597
Ukkel · Eq €1.63M
Of 1,565 companies in sector 46900 we hold annual accounts for 920. 552 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded10-07-1981
Fiscal year end31-12
Activities, NACEBEL
46649Wholesale of other machinery and equipment
46900Non-specialised wholesale trade
51900
17210Manufacture of paper and paper products
Sources
Crossroads Bank for EnterprisesNational Bank · 43 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.