EPSILOC
ActiveSummary
EPSILOC has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€3,819) and a net result of -€8,519. Its solvency ranks better than 14% of 2,592 sector peers (NACE 85, financial year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Overview
- Staff
- ≈ 0.1 FTE, estimated
- Equity
- -€3,819
- Loss
- -€8,519
Why 52raises riskCapped at 59: negative equityNegative equity -€3,819Loss of €8,519 (financial year 2025)lowers riskSector: Education (NACE 85)Size: total assets €25,588Show the evidence
Checked score
About 6 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
How it is calculated
The band follows from the bankruptcy probability, on a scale where 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 85, micro): better than 12% on solvency, 6% on liquidity, 6% on profitability and 3% on growth.
The bankruptcy probability was computed on 28-10-2026 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. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
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Signals
This company filed its last 2 accounts on average 25 days before the deadline; the sector median (NACE 85) for financial year 2024 is 16 days before the deadline, and 32% of those companies filed late.
Searched, nothing found (2)
- Annual accounts filedfinancial year 2025 · micro…
- Annual accounts filedfinancial year 2024 · micro…
- Resignation: Xavier MARIA DE JESUS (director)Registered-office move
Financials · financial year 2025, micro format
2024 to 2025, 2 financial years
The operating result turns negative in 2025: a loss of €7,944 after €27,360 in 2024.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 85, Education: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Peer companies
Historical observationOf the 7,639 companies that looked in July 2024 the way this one looks now, 8.8% went bankrupt within 24 months and 84.9% are still going.
- Micro
- 2 to 5 years old
- negative equity
- a loss of 10% of the balance sheet or more
A further 0.7% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 0.6% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,445 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74.5% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 7,639 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Remuneration, social security and pensions62 | €32,514 | €2,263 | ▼ 93.0% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | €156 | - |
| Other operating charges640/8 | €434 | €625 | ▲ 44.0% |
| Gross operating margin9900 | €60,308 | -€4,901 | - |
| Operating profit (loss)9901 | €27,360 | -€7,944 | - |
| Financial income75/76B | €40 | €84 | ▲ 109% |
| Recurring financial income75 | €40 | €84 | ▲ 109% |
| Financial charges65/66B | €20,724 | €635 | ▼ 96.9% |
| Recurring financial charges65 | €20,724 | €635 | ▼ 96.9% |
| Profit (loss) for the period before taxes9903 | €6,676 | -€8,495 | - |
| Income taxes67/77 | €1,976 | €24 | ▼ 98.8% |
| Profit (loss) for the period9904 | €4,700 | -€8,519 | - |
| Profit (loss) for the period to be appropriated9905 | €4,700 | -€8,519 | - |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €30,152 | €25,588 | ▼ 15.1% |
| Fixed assets21/28 | €1,694 | €18,834 | ▲ 11× |
| Tangible fixed assets22/27 | - | €18,834 | - |
| Furniture and vehicles24 | - | €18,834 | - |
| Financial fixed assets28 | €1,694 | - | - |
| Current assets29/58 | €28,458 | €6,754 | ▼ 76.3% |
| Amounts receivable within one year40/41 | €15,436 | €3,747 | ▼ 75.7% |
| Trade receivables40 | €14,672 | €3,681 | ▼ 74.9% |
| Other amounts receivable41 | €764 | €66 | ▼ 91.4% |
| Current investments50/53 | - | €28 | - |
| Cash at bank and in hand54/58 | €11,669 | €1,873 | ▼ 83.9% |
| Deferred charges and accrued income490/1 | €1,353 | €1,106 | ▼ 18.3% |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €30,152 | €25,588 | ▼ 15.1% |
| Equity10/15 | €4,700 | -€3,819 | - |
| Profit (loss) carried forward14 | €4,700 | -€3,819 | - |
| Amounts payable17/49 | €25,452 | €29,408 | ▲ 15.5% |
| Amounts payable within one year42/48 | €25,452 | €29,408 | ▲ 15.5% |
| Financial debts43 | - | €164 | - |
| Credit institutions430/8 | - | €164 | - |
| Trade debts44 | €6,363 | €3,102 | ▼ 51.3% |
| Suppliers440/4 | €6,363 | €3,102 | ▼ 51.3% |
| Taxes, remuneration and social security45 | €19,089 | €1,963 | ▼ 89.7% |
| Taxes450/3 | €8,357 | €798 | ▼ 90.5% |
| Remuneration and social security454/9 | €10,732 | €1,166 | ▼ 89.1% |
| Other amounts payable47/48 | - | €24,179 | - |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €4,700 | -€8,519 | - |
| + Depreciation and write-downs630 | - | €156 | - |
| Operating cash flow (approximation) | €4,700 | -€8,363 | - |
| Investment in fixed assets (approximation) | - | -€17,296 | - |
| Change in cash | - | -€9,796 | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Filings with the National Bank (2)
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 30-06-2025 | micro format | 26-01-2026 | 2026-00013949 |
| 30-06-2024 | micro format | 18-12-2024 | 2024-00618490 |
Similar companies · same sector and region
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Mandate history
- Board
| Name | Functions and periods |
|---|---|
| Claudia ARENA |
|
| Xavier De Jesus MARIA |
|
Owners and capital
Capital and shareholders
- Xavier De Jesus MARIA 500 shares
- Claudia ARENA 500 shares (50%)
- Xavier Maria 500 shares (50%)
The Belgian Official Gazette names shareholders only when an act mentions them; the share register itself is not published.
- 07-06-2023 Incorporation · 1,000 shares
Group and network
Connections & network
1 connected companyThe connected companies are in the list below.
History
Acts, filings and financial milestones
25-01
Gazette deed
Resignation: Xavier MARIA DE JESUS (director)Registered-office move5 facts ▸
- Board meeting, 01-09-2023
- Registered-office move, 1160 Auderghem,rue du villageois 28
- Other provision, “rémunération du mandat”, 01-09-2023 (deed in French)
- Director resignation, Xavier MARIA DE JESUS (director)
- Other provision, “form reservation header, Belgian official gazette annexes” (deed in French)
07-06
Gazette deed
IncorporationAppointments: Xavier De Jesus MARIA (director) and Claudia ARENA (director) · Founder · Share issue9 facts ▸
- Incorporation, 02-06-2023
- Founder, Xavier De Jesus MARIA
- Founder, Claudia ARENA
- Share issue, 1000
- Founding capital
- Shareholding, 500 (2 times)
- Registered office clause, “Saint-Gilles(1060 Bruxelles),Chaussée de Charleroi 214” (deed in French)
- Director appointment, Xavier De Jesus MARIA (director (not named in the articles))
- Director appointment, Claudia ARENA (director (not named in the articles))
Register details
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.
Sites & property
1 establishment unit
2 parcels
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 21332C0017/00G017 | Brussels | 121 m² | 1 · 72 m² | 15.4 m · 4 |
| 21332B0174/00N000 | Brussels | 57 m² | 1 · 40 m² | 10.8 m · 3 |
How the parcels are linked
Articles of association
What the company does
- PurposeThe activities the company may carry out under its articles.
- “La fabrication d'articles céramiques à usage domestique ou ornemental; La fabrication de tout autre produit céramique; La formation et…” (deed in French)
16 activities (deed in French)
- La fabrication d'articles céramiques à usage domestique ou ornemental
- La fabrication de tout autre produit céramique
- La formation et l’enseignement de la production d’articles en céramique pour le développement personnel et/ou la gestion d'entreprise
- Le coaching individuel pour l’apprentissage de la fabrication de tout produit céramique pour le développement personnel et/ou la gestion d’entreprise
- La publication d’ouvrages pédagogiques
- La vente de produits dérivés (tabliers,accessoires,terre,émaux,petit matériel,outils pour la céramique,cahier d’atelier,crème pour les mains …)
- L’animation de groupes
- D’autres formes d'enseignement
- Des activités pour la santé humaine
- Des services personnels
- De l’intermédiation spécialisée dans le commerce d'autres produits
- Le commerce de détail de vins et de spiritueux,d'appareils ménagers non électriques,de coutellerie,de vaisselle,de verrerie,de porcelaine,de poteries,de souvenirs,d'objets artisanaux et d'articles religieux,en magasin,par correspondance ou par Internet
- La petite restauration et autres services de restauration
- D’autres services d'information
- Le conseil en relations publiques et en communication,les conseils et assistance opérationnelle aux entreprises dans les domaines des relations publiques et de la communication,le conseil pour les affaires et autres conseils de gestion,les conseils et assistance aux entreprises et aux services publics en matière de planification,d'organisation,de recherche du rendement,de contrôle,d'information,de gestion,etc.
- Entreprise de formation et d’accompagnement qui utilise la céramique comme moyen d’expression créative et de développement personnel
- DurationHow long the company exists; usually unlimited, so until it is dissolved.
- Unlimited
- Name clauseThe name the company operates under according to its articles.
- EPSILOC
- Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
- “Région de Bruxelles-Capitale, transfert en tout endroit de la Région de Bruxelles-Capitale ou de la région de langue française de Belgique…” (deed in French)
Who represents it, and how
- Board ruleHow the board is made up, meets and takes decisions.
- “Avec ou sans limitation de durée, un ou plusieurs administrateurs” (deed in French)
Capital, shares and profit
- Kind of sharesWhich classes of shares exist and what rights each class carries.
- “Nominatives, actions” (deed in French)“Nominatifs, titres autres que les actions” (deed in French)
- Transfer restrictionWhether shareholders may sell their shares freely or need approval first.
- “Frais de procédure et d’expertise pour moitié à charge du cédant et pour moitié à charge du ou des acquéreurs,proportionnellement au nombre…” (deed in French)
Meetings and financial year
- Annual meetingWhen the shareholders meet each year, among other things to approve the annual accounts.
- Fourth Thursday of December at 11:00
Oversight and winding up
- Dissolution ruleWhen and by whom the company can be dissolved.
- “Délibérant comme en matière de modification des statuts, assemblée générale” (deed in French)