Summary
SCHEPENS is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €144,246 and a net result of €29,290. Equity is growing by about 29% per year across the filed financial years. Its solvency ranks better than 65% of 3,019 sector peers (NACE 66, financial year 2025). The company has been active since 2000 and the Belgian Official Gazette contains no insolvency or warning signals.
Financials · financial year 2025, micro format
In the rankings
#2 oldest company in Leopoldsburg, Finance and insurance sector
2025 annual accounts filed late (25 days) Filed on 25 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00422551.
Equity
€144,246▲ 25.5%
2024 · €114,956
Net result
€29,290▲ 12.2%
2024 · €26,107
Total assets
€220,161▲ 1.9%
2024 · €215,994
Solvency
65.5%▲ 12.3pp
2024 · 53.2%
Trend over the years
2021 to 2025, 5 financial years 2018 to 2025, 8 financial years
The operating result recovers in 2025; 2025 is 9% above 2024.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
Operating result€45,098
2025
Net result€29,290
2025
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Total assets€220,161
2025
Equity€144,246
2025
Debt€75,915
2025
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
Working capital€73,618
2025
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
Return on assets (ROA)13.3%
2025
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Solvency65.5%
2025
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Current ratio2.31
2025
Average staff in full-time equivalents (FTE).
Staff (FTE)3.9
2025
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 66, Activities auxiliary to financial services and insurance activities: 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), Staff (FTE).
Every figure with its change against the financial year before
favourable
unfavourable
Line20182019202020212022202320242025
Operating result€2,293-€9,332▲ 307%€19,342▲ 107%€326▼ 98.3%€17,639▲ 5,306%€59,963▲ 240%€41,515▼ 30.8%€45,098▲ 8.6%
Net result-€9,285-€1,659€10,759within the sector's middle half▲ 548%-€3,317below the sector's middle half€10,757within the sector's middle half€40,714within the sector's middle half▲ 279%€26,107within the sector's middle half▼ 35.9%€29,290within the sector's middle half▲ 12.2%
Equity€28,277-€29,936▲ 5.9%€40,696within the sector's middle half▲ 35.9%€37,378within the sector's middle half▼ 8.2%€48,135within the sector's middle half▲ 28.8%€88,849within the sector's middle half▲ 84.6%€114,956within the sector's middle half▲ 29.4%€144,246within the sector's middle half▲ 25.5%
Total assets€193,696-€159,815▼ 17.5%€158,555within the sector's middle half▼ 0.8%€134,977below the sector's middle half▼ 14.9%€167,925within the sector's middle half▲ 24.4%€202,294within the sector's middle half▲ 20.5%€215,994within the sector's middle half▲ 6.8%€220,161within the sector's middle half▲ 1.9%
Debt€165,419-€129,879▼ 21.5%€117,859▼ 9.3%€97,598▼ 17.2%€119,790▲ 22.7%€113,445▼ 5.3%€101,038▼ 10.9%€75,915▼ 24.9%
Working capital-€21,639--€5,788▲ 73.3%€2,787within the sector's middle half€4,598within the sector's middle half▲ 65.0%€13,536within the sector's middle half▲ 194%€41,469within the sector's middle half▲ 206%€64,282within the sector's middle half▲ 55.0%€73,618within the sector's middle half▲ 14.5%
Solvency14.6%-18.7%▲ 4.1pp25.7%within the sector's middle half▲ 6.9pp27.7%within the sector's middle half▲ 2.0pp28.7%within the sector's middle half▲ 1.0pp43.9%within the sector's middle half▲ 15.3pp53.2%within the sector's middle half▲ 9.3pp65.5%within the sector's middle half▲ 12.3pp
Current ratio0.71-0.90▲ 0.191.05within the sector's middle half▲ 0.151.09within the sector's middle half▲ 0.051.23within the sector's middle half▲ 0.131.64within the sector's middle half▲ 0.412.03within the sector's middle half▲ 0.392.31within the sector's middle half▲ 0.28
Return on assets (ROA)-4.8%-1.0%▲ 5.8pp6.8%within the sector's middle half▲ 5.7pp-2.5%below the sector's middle half▼ 9.2pp6.4%within the sector's middle half▲ 8.9pp20.1%above the sector's middle half▲ 13.7pp12.1%within the sector's middle half▼ 8.0pp13.3%within the sector's middle half▲ 1.2pp
Staff (FTE)3-2.2▼ 26.7%2.4within the sector's middle half▲ 9.1%3.3▲ 37.5%3.2▼ 3.0%3.1▼ 3.1%4▲ 29.0%3.9▼ 2.5%
above
within
below
the middle half of NACE 66, Activities auxiliary to financial services and insurance activities: 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.
Turnover and EBIT margin not published: the micro format does not require them.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €220,161
Fixed assets
€90,318 ▲ 1.3%
Current assets
€129,843 ▲ 2.4%
Equity and liabilities €220,161
Equity
€144,246 ▲ 25.5%
Debt
€75,915 ▼ 24.9%
Debt's share of the balance-sheet total falls from 46.8% to 34.5%. Equity is higher and debt is lower.
Key figures and ratios
ROE
20.3%▼
2024 · 22.7%
Debt ≤ 1 year
€56,225▼
2024 · €62,547
Debt > 1 year
€19,657▼
2024 · €32,644
Income taxes
€14,112▲
2024 · €13,846
Staff costs
€169,052▼
2024 · €172,603
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | - | €158,985 | €162,752 | €141,681 | €172,603 | €169,052 | ▼ 2.1% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €32,682 | €31,127 | €14,994 | €14,689 | €6,023 | €8,647 | €8,080 | €8,766 | ▲ 8.5% |
| Other operating charges640/8 | - | - | - | €2,599 | €1,666 | €2,913 | €1,685 | €1,790 | ▲ 6.3% |
| Gross operating margin9900 | €175,246 | €153,720 | €157,954 | €176,600 | €188,080 | €213,205 | €223,883 | €224,707 | ▲ 0.4% |
| Operating profit (loss)9901 | €2,293 | €9,332 | €19,342 | €326 | €17,639 | €59,963 | €41,515 | €45,098 | ▲ 8.6% |
| Financial income75/76B | - | - | - | €1,809 | €3 | €83 | €694 | €512 | ▼ 26.1% |
| Recurring financial income75 | €21 | €5 | €6 | €1,809 | €3 | €83 | €694 | €512 | ▼ 26.1% |
| Financial charges65/66B | - | - | - | €3,817 | €3,112 | €2,681 | €2,256 | €2,209 | ▼ 2.1% |
| Recurring financial charges65 | €4,258 | €4,283 | €4,883 | €3,817 | €3,112 | €2,681 | €2,256 | €2,209 | ▼ 2.1% |
| Profit (loss) for the period before taxes9903 | -€1,944 | €5,055 | €14,466 | -€1,682 | €14,531 | €57,366 | €39,953 | €43,402 | ▲ 8.6% |
| Income taxes67/77 | €7,340 | €3,395 | €3,706 | €1,635 | €3,774 | €16,651 | €13,846 | €14,112 | ▲ 1.9% |
| Profit (loss) for the period9904 | -€9,285 | €1,659 | €10,759 | -€3,317 | €10,757 | €40,714 | €26,107 | €29,290 | ▲ 12.2% |
| Profit (loss) for the period to be appropriated9905 | -€9,285 | €1,659 | €10,759 | -€3,317 | €10,757 | €40,714 | €26,107 | €29,290 | ▲ 12.2% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €193,696 | €159,815 | €158,555 | €134,977 | €167,925 | €202,294 | €215,994 | €220,161 | ▲ 1.9% |
| Fixed assets21/28 | €141,348 | €110,221 | €94,713 | €80,418 | €94,440 | €96,033 | €89,164 | €90,318 | ▲ 1.3% |
| Tangible fixed assets22/27 | €140,338 | €109,211 | €93,703 | €79,408 | €93,430 | €95,023 | €88,154 | €89,308 | ▲ 1.3% |
| Land and buildings22 | - | - | - | €74,781 | €88,337 | €91,010 | €83,443 | €75,973 | ▼ 9.0% |
| Furniture and vehicles24 | - | - | - | €2,051 | €2,516 | €1,437 | €2,135 | €10,758 | ▲ 404% |
| Leasing and similar rights25 | - | - | - | €2,577 | €2,577 | €2,577 | €2,577 | €2,577 | = |
| Financial fixed assets28 | €1,010 | €1,010 | €1,010 | €1,010 | €1,010 | €1,010 | €1,010 | €1,010 | = |
| Current assets29/58 | €52,349 | €49,595 | €63,842 | €54,558 | €73,484 | €106,261 | €126,830 | €129,843 | ▲ 2.4% |
| Amounts receivable within one year40/41 | €20,980 | €13,375 | €21,315 | €24,257 | €33,533 | €31,769 | €45,108 | €26,682 | ▼ 40.8% |
| Trade receivables40 | - | - | - | €6,242 | €10,922 | €7,710 | €10,423 | - | - |
| Other amounts receivable41 | - | - | - | €18,014 | €22,610 | €24,059 | €34,685 | €26,682 | ▼ 23.1% |
| Cash at bank and in hand54/58 | €4,359 | €7,504 | €11,465 | €2,507 | €17,834 | €50,823 | €56,881 | €76,456 | ▲ 34.4% |
| Deferred charges and accrued income490/1 | - | - | - | €27,794 | €22,118 | €23,669 | €24,841 | €26,705 | ▲ 7.5% |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €193,696 | €159,815 | €158,555 | €134,977 | €167,925 | €202,294 | €215,994 | €220,161 | ▲ 1.9% |
| Equity10/15 | €28,277 | €29,936 | €40,696 | €37,378 | €48,135 | €88,849 | €114,956 | €144,246 | ▲ 25.5% |
| Contributions10/11 | €17,920 | €17,920 | - | €17,920 | €17,920 | €17,920 | €17,920 | €17,920 | = |
| Reserves13 | €41,072 | €41,072 | €41,072 | €41,072 | €41,072 | €70,872 | €96,872 | €126,072 | ▲ 30.1% |
| Non-distributable reserves130/1 | - | - | - | €3,072 | €3,072 | €3,072 | €3,072 | €3,072 | = |
| Reserves not available under the articles1311 | - | - | - | €3,072 | €3,072 | €3,072 | €3,072 | €3,072 | = |
| Distributable reserves133 | - | - | - | €38,000 | €38,000 | €67,800 | €93,800 | €123,000 | ▲ 31.1% |
| Profit (loss) carried forward14 | -€30,715 | -€29,056 | -€18,296 | -€21,614 | -€10,857 | €57 | €164 | €254 | ▲ 54.8% |
| Amounts payable17/49 | €165,419 | €129,879 | €117,859 | €97,598 | €119,790 | €113,445 | €101,038 | €75,915 | ▼ 24.9% |
| Amounts payable after more than one year17 | €87,616 | €73,632 | €55,617 | €46,447 | €57,250 | €45,439 | €32,644 | €19,657 | ▼ 39.8% |
| Financial debts170/4 | - | - | - | €46,447 | €57,250 | €45,439 | €32,644 | €19,657 | ▼ 39.8% |
| Amounts payable within one year42/48 | €73,988 | €55,382 | €61,055 | €49,961 | €59,948 | €64,792 | €62,547 | €56,225 | ▼ 10.1% |
| Current portion of amounts payable after more than one year42 | - | - | - | €10,090 | €12,580 | €12,247 | €12,603 | €12,860 | ▲ 2.0% |
| Financial debts43 | - | - | - | €169 | - | - | - | €3,852 | - |
| Credit institutions430/8 | - | - | - | €169 | - | - | - | €3,852 | - |
| Trade debts44 | €7,899 | €15,247 | €5,693 | €11,253 | €8,929 | €9,656 | €15,974 | €7,509 | ▼ 53.0% |
| Suppliers440/4 | - | - | - | €11,253 | €8,929 | €9,656 | €15,974 | €7,509 | ▼ 53.0% |
| Advances received on contracts in progress46 | - | - | - | €904 | €904 | €904 | €904 | - | - |
| Taxes, remuneration and social security45 | - | - | - | €27,474 | €36,699 | €38,443 | €27,992 | €32,004 | ▲ 14.3% |
| Taxes450/3 | - | - | - | - | - | €10,637 | €7,708 | €11,667 | ▲ 51.4% |
| Remuneration and social security454/9 | - | - | - | €27,474 | €36,699 | €27,806 | €20,283 | €20,337 | ▲ 0.3% |
| Other amounts payable47/48 | - | - | - | €71 | €836 | €3,542 | €5,075 | - | - |
| Accrued charges and deferred income492/3 | - | - | - | €1,191 | €2,591 | €3,214 | €5,846 | €32 | ▼ 99.5% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€9,285 | €1,659 | €10,759 | -€3,317 | €10,757 | €40,714 | €26,107 | €29,290 | ▲ 12.2% |
| + Depreciation and write-downs630 | €32,682 | €31,127 | €14,994 | €14,689 | €6,023 | €8,647 | €8,080 | €8,766 | ▲ 8.5% |
| Operating cash flow (approximation) | €23,398 | €32,786 | €25,754 | €11,372 | €16,779 | €49,362 | €34,187 | €38,056 | ▲ 11.3% |
| Investment in fixed assets (approximation) | - | €0 | €513 | -€395 | -€20,045 | -€10,240 | -€1,211 | -€9,920 | ▼ 719% |
| Change in cash | - | €3,146 | €3,961 | -€8,958 | €15,327 | €32,989 | €6,058 | €19,576 | ▲ 223% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Latest 10 of 26 filings with the National Bank
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | micro format | 25-08-2026 | 2026-00422551 |
| 31-12-2024 | micro format | 22-11-2025 | 2025-00572026 |
| 31-12-2023 | micro format | 22-10-2024 | 2024-00511254 |
| 31-12-2022 | micro format | 30-10-2023 | 2023-00505488 |
| 31-12-2021 | micro format | 30-09-2022 | 2022-20452519 |
| 31-12-2020 | micro format | 15-11-2021 | 2021-77800148 |
| 31-12-2019 | micro format | 13-11-2020 | 2020-70000498 |
| 31-12-2018 | micro format | 31-08-2019 | 2019-62800045 |
| 31-12-2017 | micro format | 29-08-2018 | 2018-51800207 |
| 31-12-2016 | micro format | 26-09-2017 | 2017-63600529 |
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Of the 4,610 active companies whose main activity is insurance agents and brokers (NACE 66220), figures are known for 3,210. 2,791 are within a factor 10 of this equity. These 5 are the closest to it. See the whole sector
Subsidies and aid
Flemish government
2022 to 2023 · 4 entries · €6,247 awarded · €6,461 paid| Year | Entries | Awarded | Paid |
|---|---|---|---|
| 2023 | 2 | €4,079 | €4,293 |
| 2022 | 2 | €2,168 | €2,168 |
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.