EPPERTO
ActiveSummary
EPPERTO has been active since 2022 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €122,022 and a net result of €24,368. Equity has been growing by about 36% per year since 2023. Its solvency ranks better than 89% of 39,275 sector peers (NACE 70, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).
Overview
Overview
Official details
Source: KBO- Status
- Active since 06-09-2022 Normal situation
- Activity
- Business and other management consultancy NACE 70200and 5 others
- Establishment unit
- 2.335.534.623 1325 Chaumont-Gistoux, since 06-09-2022
- Financial year end
- 31 December
- Peppol
- Reachable since 21-01-2026
Financial position
- Bankruptcy probabilitywithin 12 months
- < 0.1%
Annual accounts 2025
- Gross margin
- €35,363
- ▼ 44.4%
- Turnover
- ≈ €100,000
- estimated
- Profit
- €24,368
- ▼ 47.9%
- Equity
- €122,022
- ▲ 25.0%
- Total assets
- €134,854
- ▲ 20.4%
Score breakdownlowers riskSector: Activities of head offices; management consultancy activities (NACE 70)Liquidity: current ratio 10.46, cash €38,681, halvedEquity €122,022 (90.5% of total assets)Figures for financial year 2025 (filed on 22-05-2026)Show the evidence
Checked score
Score 2025
97
/ 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 74% of micro companies in head offices and management consultancy (NACE 70)
Financial strength · tick: 2024
Strong
Solvency
100=
equity 90.5% of total assets
Liquidity
86-12
short-term debt 9.5% · cash 28.7%
Profitability
91-9
return on assets 18.1%
Bankruptcy probability within 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: < 0.1%
01-2025: < 0.1%● unchanged vs 12-2024
02-2025: < 0.1%● unchanged vs 01-2025
03-2025: < 0.1%● unchanged vs 02-2025
04-2025: < 0.1%● unchanged vs 03-2025
05-2025: < 0.1%● unchanged vs 04-2025
06-2025: < 0.1%● unchanged vs 05-2025
07-2025: < 0.1%● unchanged vs 06-2025highest value
08-2025: < 0.1%● unchanged vs 07-2025
09-2025: < 0.1%● unchanged vs 08-2025
10-2025: < 0.1%● unchanged vs 09-2025
11-2025: < 0.1%● unchanged vs 10-2025
12-2025: < 0.1%● unchanged vs 11-2025
01-2026: < 0.1%● unchanged vs 12-2025
02-2026: < 0.1%● unchanged vs 01-2026
03-2026: < 0.1%● unchanged vs 02-2026
04-2026: < 0.1%● unchanged vs 03-2026
05-2026: < 0.1%● unchanged vs 04-2026lowest value
06-2026: < 0.1%● unchanged vs 05-2026
07-2026: < 0.1%● unchanged vs 06-2026
08-2026: < 0.1%● unchanged vs 07-2026
09-2026: < 0.1%● unchanged vs 08-2026
10-2026: < 0.1%● unchanged vs 09-2026
11-2026: < 0.1%● unchanged vs 10-2026
Credit of up to €11,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 10.46 (7.58 in 2024), above the usual 1.5. Short-term debt is 9.5% and cash 28.7% of total assets. 9.5% of the assets are financed with debt and provisions.
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 70, micro). It does better than 86% of them on solvency, 78% on liquidity, 61% on profitability and 70% on growth.
The bankruptcy probability was computed on 03-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskneutral
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 22-05-2026, 70 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
70 days early
2024
24 days early
2023
47 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 3 accounts on average 47 days before the deadline. In the sector (NACE 70), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 15 June (3 of the last 3 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
04-11-2026 today31-12-2026 year end31-07-2027 deadline
Financials
Financials · financial year 2025, micro format
Annual accounts 2025 filed on 22-05-2026 PDF all 3 filings
Turnover
≈ €100,000
Estimated: probably between €60,000 and €140,000
Total assets
€134,854▲ 20.4%
2024 · €112,019
Net result
€24,368▼ 47.9%
2024 · €46,764
Working capital
€121,420▲ 28.5%
2024 · €94,469
Multi-year overview
2023 to 2025, 3 financial yearsOperating result
€32,293
▼ 46.2%
2025
20232025
Net result
€24,368
▼ 47.9%
2025
middle half of the sector
20232025
Equity
€122,022
▲ 25.0%
2025
middle half of the sector
20232025
Total assets
€134,854
▲ 20.4%
2025
middle half of the sector
20232025
Debt
€12,832
▼ 10.7%
2025
20232025
Working capital
€121,420
▲ 28.5%
2025
middle half of the sector
20232025
Solvency
90.5%
▲ 3.3pp
2025
highest quarter of the sector
20232025
Current ratio
10.46
▲ 2.89
2025
highest quarter of the sector
20232025
Return on assets (ROA)
18.1%
▼ 23.7pp
2025
middle half of the sector
20232025
Every figure per financial year
Every figure with its change against the financial year before
favourable
unfavourable
Line202320242025
Operating result€59,989-€60,066▲ 0.1%€32,293▼ 46.2%
Net result€46,890within the sector's middle half-€46,764within the sector's middle half▼ 0.3%€24,368within the sector's middle half▼ 47.9%
Equity€50,890within the sector's middle half-€97,654within the sector's middle half▲ 91.9%€122,022within the sector's middle half▲ 25.0%
Total assets€84,475within the sector's middle half-€112,019within the sector's middle half▲ 32.6%€134,854within the sector's middle half▲ 20.4%
Debt€33,585-€14,365▼ 57.2%€12,832▼ 10.7%
Working capital€48,057within the sector's middle half-€94,469within the sector's middle half▲ 96.6%€121,420within the sector's middle half▲ 28.5%
Solvency60.2%within the sector's middle half-87.2%above the sector's middle half▲ 26.9pp90.5%above the sector's middle half▲ 3.3pp
Current ratio2.56within the sector's middle half-7.58above the sector's middle half▲ 5.0210.46above the sector's middle half▲ 2.89
Return on assets (ROA)55.5%above the sector's middle half-41.7%above the sector's middle half▼ 13.8pp18.1%within the sector's middle half▼ 23.7pp
above
within
below
The sector band is the middle half of the companies in Activities of head offices; management consultancy activities (NACE 70). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30.
The operating result for 2025 is 46% lower than in 2024 and the lowest since 2023.
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €134,854
Fixed assets
€602 ▼ 81.1%
Current assets
€134,252 ▲ 23.4%
Equity and liabilities €134,854
Equity
€122,022 ▲ 25.0%
Debt
€12,832 ▼ 10.7%
Debt's share of the balance-sheet total falls from 12.8% to 9.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€34,876▼
2024 · €63,289
Cash flow
€26,951▼
2024 · €49,987
Debt to equity
0.11▼
2024 · 0.15
ROE
20.0%▼
2024 · 47.9%
Interest coverage
98.00▼
2024 · over 100
Debt ≤ 1 year
€12,832▼
2024 · €14,365
Income taxes
€7,745▼
2024 · €12,751
Green means a favourable move, even when the figure itself falls, as with debt or debt to equity.
Investments
| Item | 2023 | 2024 | 2025 |
|---|---|---|---|
| Tangible fixed assets | €9,490 | €826 | - |
| Depreciation and write-downs of the year | €3,909 | €3,223 | €2,583 |
Source: notes to the 2023 to 2025 annual accounts (statement of fixed assets)
Annual accounts
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €3,909 | €3,223 | €2,583 | ▼ 19.8% |
| Other operating charges640/8 | €416 | €288 | €487 | ▲ 69.1% |
| Gross operating margin9900 | €64,314 | €63,576 | €35,363 | ▼ 44.4% |
| Operating profit (loss)9901 | €59,989 | €60,066 | €32,293 | ▼ 46.2% |
| Financial income75/76B | - | €0 | €176 | ▲ 629× |
| Recurring financial income75 | - | €0 | €176 | ▲ 629× |
| Financial charges65/66B | €507 | €551 | €356 | ▼ 35.5% |
| Recurring financial charges65 | €507 | €551 | €356 | ▼ 35.5% |
| Profit (loss) for the period before taxes9903 | €59,482 | €59,515 | €32,113 | ▼ 46.0% |
| Income taxes67/77 | €12,592 | €12,751 | €7,745 | ▼ 39.3% |
| Profit (loss) for the period9904 | €46,890 | €46,764 | €24,368 | ▼ 47.9% |
| Profit (loss) for the period to be appropriated9905 | €46,890 | €46,764 | €24,368 | ▼ 47.9% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €84,475 | €112,019 | €134,854 | ▲ 20.4% |
| Fixed assets21/28 | €5,581 | €3,185 | €602 | ▼ 81.1% |
| Tangible fixed assets22/27 | €5,581 | €3,185 | €602 | ▼ 81.1% |
| Furniture and vehicles24 | €5,581 | €3,185 | €602 | ▼ 81.1% |
| Current assets29/58 | €78,894 | €108,834 | €134,252 | ▲ 23.4% |
| Amounts receivable within one year40/41 | €9,913 | €11,404 | €20,345 | ▲ 78.4% |
| Trade receivables40 | €9,913 | €11,404 | €20,345 | ▲ 78.4% |
| Current investments50/53 | - | - | €75,000 | - |
| Cash at bank and in hand54/58 | €68,767 | €97,208 | €38,681 | ▼ 60.2% |
| Deferred charges and accrued income490/1 | €214 | €221 | €226 | ▲ 2.0% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €84,475 | €112,019 | €134,854 | ▲ 20.4% |
| Equity10/15 | €50,890 | €97,654 | €122,022 | ▲ 25.0% |
| Contributions10/11 | €4,000 | €4,000 | €4,000 | = |
| Reserves13 | €46,890 | €93,654 | €118,022 | ▲ 26.0% |
| Distributable reserves133 | €46,890 | €93,654 | €118,022 | ▲ 26.0% |
| Amounts payable17/49 | €33,585 | €14,365 | €12,832 | ▼ 10.7% |
| Amounts payable after more than one year17 | €2,749 | - | - | - |
| Financial debts170/4 | €2,749 | - | - | - |
| Amounts payable within one year42/48 | €30,836 | €14,365 | €12,832 | ▼ 10.7% |
| Current portion of amounts payable after more than one year42 | €3,182 | - | - | - |
| Trade debts44 | €6,011 | €3,900 | €578 | ▼ 85.2% |
| Suppliers440/4 | €6,011 | €3,900 | €578 | ▼ 85.2% |
| Taxes, remuneration and social security45 | €21,479 | €10,276 | €12,100 | ▲ 17.8% |
| Taxes450/3 | €21,479 | €10,276 | €12,100 | ▲ 17.8% |
| Other amounts payable47/48 | €163 | €189 | €154 | ▼ 18.6% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €46,890 | €46,764 | €24,368 | ▼ 47.9% |
| + Depreciation and write-downs630 | €3,909 | €3,223 | €2,583 | ▼ 19.8% |
| Operating cash flow (approximation) | €50,799 | €49,987 | €26,951 | ▼ 46.1% |
| Investment in fixed assets (approximation) | - | -€826 | €0 | - |
| Change in cash | - | €28,442 | -€58,527 | - |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Historical observation
In July 2024, 39,278 companies had the same profile as EPPERTO has now. Two years later, 95.8% were still going and 1.8% had gone bankrupt.
- Micro
- 2 to 5 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
95.8%
was still going
2.3%
stopped otherwise
1.8%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of EPPERTO itself is lower: < 0.1% within 12 months. It rests on far more data about EPPERTO than the profile alone.
Test of the method
The method was tested on the 497,446 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 39,278 companies, not a prediction for EPPERTO. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Board & ownership
Directors
Directors
1 director, no change since 2022
d’OTREPPE de BOUVETTE Charlotte
Current
Director (not named in the articles) · since 06-09-2022 · term without a fixed end · listed in the 2025 annual accounts, filed on 22-05-2026
Owners and capital
Shareholders
At incorporation
act of 08-09-2022 ↗
- d’OTREPPE de BOUVETTE Charlotte sole founder · 100% at incorporation
Capital transactions
Capital over time
- 08-09-2022 Incorporation · 100 shares
Articles of association
Board and representation
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- “Avec ou sans limitation de durée, 1”
Capital, shares and profit
- Transfer restrictionThis rule says whether shareholders may sell their shares freely or need approval first.
- “Moitié cédant,moitié acquéreurs au prorata si plusieurs, héritiers et légataires non de plein droit tenus de solliciter agrément mêmes…”
Audit, dissolution and liquidation
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor
Articles of association, deed of 08-09-2022 (in French)
Network & group
EPPERTO shares no director with another company.
Companies at the same address
2 other companiesConnections & network
1 current directorThe network starts from the directors of EPPERTO. Every other company they run is a node.
This company
Company
Director
Shareholding
+N: links not shown yet
Click a node to look further, drag to arrange, zoom with the mouse wheel.
Timeline
Acts, filings and financial milestones
Deadline for the 2026 accounts:
2026
22-05
micro format · 70 days before the deadline
29-04
Gazette deed
Company renamed from C.d'Otreppe to EPPERTOAmendment of the articles · Power of attorney9 points ▸
Gazette deed
Company renamed from C.d'Otreppe to EPPERTO
Amendment of the articles · Power of attorney9 points ▸
- General meeting, 24-04-2026
- Name change, EPPERTO
- Amendment of the articles, “article premier aliéna deux” (deed in French)
- Other provision, “information on name search result, courriel” (deed in French)
- Other provision, “unanimité, adoption of first resolution” (deed in French)
- Power of attorney, Cécile LAMMERHIERT
- Other provision, “unanimité, adoption of second resolution” (deed in French)
- Power of attorney
- Other provision, “unanimité, adoption of third resolution” (deed in French)
2025
31-12
Financial
Weakest financial yearnet €24,368 ▼47.9%
The net result drops to €24,368, the lowest from 2023 to 2025.
31-12
Financial
Equity above €100,000equity €122,022 ▲25%
With a profit in every financial year since 2023, equity grows to €122,022.
07-07
micro format · 24 days before the deadline
2024
31-12
Financial
Liquidity more than doubledcurrent ratio 7.58
The current ratio rises from 2.56 to 7.58. Short-term debt falls from €30,836 to €14,365.
14-06
micro format · 47 days before the deadline
2022
08-09
Gazette deed
IncorporationAppointment: d’OTREPPE de BOUVETTE Charlotte (director) · Founder · Founding capital9 points ▸
Gazette deed
Incorporation
Appointment: d’OTREPPE de BOUVETTE Charlotte (director) · Founder · Founding capital9 points ▸
- Incorporation, “C.d’Otreppe” (deed in French)
- Founder, d’OTREPPE de BOUVETTE Charlotte
- Founding capital
- Other provision, “dispositions finales – prise d’effet, le comparant à l’unanimité” (deed in French)
- Registered office clause, “1325 Chaumont-Gistoux,rue des Moutons 10, dépôt au greffe” (deed in French)
- Board rule, 1
- Director appointment, d’OTREPPE de BOUVETTE Charlotte (director (not named in the articles))
- Pre-incorporation commitments, “takeover, tous engagements,obligations et activités entrepris par l’un ou l’autre des comparants au nom et pour compte de la société en formation” (deed in French)
- Other provision, “délivrance avant enregistrement, article 173-1° bis du Code des Droits d’Enregistrement” (deed in French)
Financial milestoneGazette deedNBB filingFinancial milestones sit on the financial year-end date, not the filing date.
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordName
EPPERTO in French
Former name
C.d'Otreppe until 24-04-2026 · act of 29-04-2026
Enterprise number
0790.484.078
Legal form
Private limited company
Status
Active, normale toestand
Founded
06-09-2022
Entity type
Legal entity
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
deed of 08-09-2022 (in French)Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
“Région wallonne, La société peut établir,par simple décision de l’organe d’administration,des sièges administratifs,agences,ateliers,dépôts…”
deed of 08-09-2022 (in French)Registered office and establishments
Registered office
Rue des Moutons 10, 1325 Chaumont-Gistoux, Belgium
Establishment unit
C.d'Otreppe, Rue des Moutons 10, 1325 Chaumont-Gistoux since 06-09-2022 · unit number 2.335.534.623
Activities
NACEBEL 202570200
Business and other management consultancy main activity
01301
Crop and animal production, hunting and related service activities
73300
Public relations and communication consultancy
81300
Landscape service activities
82100
Office administrative and support services
86995
Nutrition and dietetics services
Codes under NACEBEL 2008
70220
Business consulting main activity
01301
Crop and animal production, hunting and related service activities
70210
Activities of head offices; management consultancy activities
81300
Landscape service activities
82110
Office administrative, office support and other business support activities
86909
Human health activities
PurposeThe purpose describes the activities the company may carry out under its articles.
deed of 08-09-2022 (in French)
“Consultance et/ou de service aux sociétés (gestion,ressources humaines,…); Conseil pour les affaires et autres conseils de gestion; Services…”
12 activities
- Consultance et/ou de service aux sociétés (gestion,ressources humaines,…).
- Conseil pour les affaires et autres conseils de gestion
- Services administratifs combinés de bureau
- Conseil en relations publiques et communication
- Le conseil,la formation,l'expertise technique et l'assistance dans le(s) domaine(s) précité(s);
- La prestation de service de conseil en organisation et gestion d'entreprises actives dans ce ou ces domaines,la représentation et l'intervention en tant qu'intermédiaire commercial.
- L'achat,la vente,l'exploitation,la mise en valeur,la gestion,la location,la sous-location,l'exploitation,l'échange de biens immobiliers ainsi que la mise à disposition d’un immeuble au profit d’un administrateur de la société.
- L’acupuncture.
- La vente en gros ou en détail,l'achat,la location à court ou à long terme,l'importation,l'exportation,la commercialisation,de tous végétaux généralement quelconques ainsi qu’articles et outils de jardinage ;
- La création,la conception,l’aménagement de parcs et de jardins,y compris les plantations ;
- L’activité horticole de manière générale,la culture de fleurs,de légumes et services annexes à la culture,production de végétaux ;
- L’exploitation de pépinières
Invoicing and payment
VAT number
BE 0790.484.078
Financial year and general meeting
Accounts at the NBBFinancial year end
31-12
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
First Friday of June at 18:00
deed of 08-09-2022 (in French)Sites & property
Location
Buildings and parcels at the address
Ground area
4,987 m²
Building footprint
133 m²
Building volume
715 m³
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 25018D0081/00C000 | Wallonia | 4,987 m² | 1 · 133 m² | 9.1 m · 2 |