EPOKHE
ActiveSummary
EPOKHE has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €110k and a net result of €6k. Equity is growing by ~13.5% per year across the filed fiscal years. Its solvency ranks better than 58% of 27786 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (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
Profitability73▲+27
Solvency79▲+2
Growth52=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 2.11 against 2.02 in 2024; short-term debt: 45.7% and cash: 3% of total assets), and 45.7% 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.
−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 43
Relative position
BE, all sectors
reference
Sector 43
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
54.3%
Return on assets
3%
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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
2 d early
2023
5 d early
2022
7 d early
2021
31 d early
2020
11 d early
2019
11 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 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€110k▲ 5.1%
2024 · €104k
2018: €14k
2019: €38k
2020: €71k
2021: €90k
2022: €98k
2023: €104k
2024: €104k
2018 → 2025
Total assets
€202k▲ 0.9%
2024 · €200k
2018: €138k
2019: €160k
2020: €183k
2021: €200k
2022: €200k
2023: €211k
2024: €200k
2018 → 2025
Net result
€6k▲ 1,300%
2024 · €439
2018: €22k
2019: €24k
2020: €37k
2021: €20k
2022: €8k
2023: €8k
2024: €439
2018 → 2025
Working capital
€103k▲ 4.8%
2024 · €98k
2018: €9k
2019: €26k
2020: €61k
2021: €84k
2022: €98k
2023: €98k
2024: €98k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€90k-€98k▲ 8.4%€104k▲ 7.0%€104k=€110k▲ 5.1%
Operating result€35k-€17k▼ 51.4%€17k▼ 0.4%€5k▼ 72.3%€10k▲ 118%
Net result€20k-€8k▼ 58.1%€8k▼ 9.1%€439▼ 94.2%€6k▲ 1,300%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 118% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €202k
Fixed assets
€7k ▲ 9.6%
Current assets
€195k ▲ 0.6%
Equity and liabilities €202k
Equity
€110k ▲ 5.1%
Debt
€92k ▼ 3.6%
Debt's share of the balance-sheet total falls from 47.8% to 45.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€12k▲
2024 · €9k
Cash flow
€8k▲
2024 · €4k
Current ratio
2.11▲
2024 · 2.02
Quick ratio
1.86▲
2024 · 1.73
Debt to equity
0.84▼
2024 · 0.92
ROE
5.6%▲
2024 · 0.4%
ROA
3.0%▲
2024 · 0.2%
Interest coverage
7.07▲
2024 · 3.27
Debt ≤ 1 year
€92k▼
2024 · €96k
Income taxes
€6k▲
2024 · €5k
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€200k€202k▲
Fixed assets21/28€6k€7k▲
Tangible fixed assets22/27€6k€7k▲
Furniture and vehicles24€3k€1k▼
Other tangible fixed assets26€4k€6k▲
Current assets29/58€193k€195k▲
Amounts receivable after more than one year29€90k€90k=
Other amounts receivable291€90k€90k=
Stocks and contracts in progress3€28k€24k▼
Stocks30/36€28k€24k▼
Amounts receivable within one year40/41€74k€75k▲
Trade receivables40€74k€42k▼
Other amounts receivable41-€33k
Cash at bank and in hand54/58€706€6k▲
Deferred charges and accrued income490/1€733€295▼
Equity and liabilities
Total equity and liabilities10/49€200k€202k▲
Equity10/15€104k€110k▲
Contributions10/11€19k€19k=
Reserves13€86k€91k▲
Distributable reserves133€86k€91k▲
Amounts payable17/49€96k€92k▼
Amounts payable within one year42/48€96k€92k▼
Financial debts43€5k-
Credit institutions430/8€5k-
Trade debts44€7k€29k▲
Suppliers440/4€7k€29k▲
Taxes, remuneration and social security45€16k€8k▼
Taxes450/3€16k€8k▼
Other amounts payable47/48€67k€55k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€1k▼
Other operating charges640/8€568€573▲
Gross operating margin9900€9k€12k▲
Operating profit (loss)9901€5k€10k▲
Financial income75/76B€3k€4k▲
Recurring financial income75€3k€4k▲
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€5k€12k▲
Income taxes67/77€5k€6k▲
Profit (loss) for the period9904€439€6k▲
Profit (loss) for the period to be appropriated9905€439€6k▲
Appropriation of the result
Profit (loss) to be appropriated9906€439€6k▲
Transfer to equity691/2-€5k
To other reserves6921-€5k
Profit to be distributed694/7€439€833▲
Return on contributions (dividend)694€439€833▲
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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €439 ▼94.2%
Net result drops to €439, the lowest in the series; recovery starts the following year.
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €100kEq €104k ▲7%
6 profitable years in a row build equity to €104k.
24-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
20-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €37k ▲57%
Operating result €56k, net result €37k, both a record.
20-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
02-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
19-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
26-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 57 days late
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, Kapellen · 1 establishment unit since 1989
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.
Antwerpsesteenweg 2382950 KapellenGround area
319 m²
Building footprint
211 m²
Volume, LiDAR
1,825 m³
Parcel 11362N0350/00H000, Flanders · tallest building 19.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
EPOKHE
since 19892.044.842.548
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11362N0350/00H000 | Flanders | 319 m² | 1 · 211 m² | 19.5 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.
Similar companies · same sector, comparable size
MG
BE 0800.151.614
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PROESMAN DECORATION
BE 0867.674.007
Verviers · Eq €108,749
PEINTURES DREYER
BE 0880.250.254
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VAN DUYSE
BE 0849.299.534
Mechelen · Eq €107,859
Binnenhuisinrichting Martens
BE 0422.114.009
Dilsen-Stokkem · Eq €111,524
Of 914 companies in sector 43333 we hold annual accounts for 400. 336 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
Founded05-09-1989
Fiscal year end31-12
Activities, NACEBEL 2025
43333Wallpapering and laying of floor and wall coverings in other materials
Sources
Crossroads Bank for EnterprisesNational Bank · 36 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.