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 3,039 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.
Overview
Activity
Insurance agents and brokers
NACE 66220
2nd oldest company in Leopoldsburg, Finance and insurance sector1 site
Size
≈ €420,000turnover 2025, estimated
- Staff
- 3.9 FTE
- Equity
- €144,246
- Profit
- €29,290
Turnover estimated from the gross margin
Financial health
Financial institution: outside the modelBankruptcy probability: sector outside the model
Structure
2025 accounts filed 25 days late4 deeds in the Belgian Official Gazette
Signalsraises risk2025 accounts filed 25 days lateShow the evidence
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Bankruptcy probability, 12 months
This is a financial institution (bank, insurer or financial holding). A bank balance sheet works differently from that of an ordinary trading or manufacturing company. We therefore show no bankruptcy probability rather than a misleading figure.
Credit check for your own amount and term
Show the recommended maximum and see how the verdict changes with amount, term and advance.
Signals
1 signal.
raises risk
raises risk · 2025 accounts filed 25 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filingsDeviation from the deadline
2025
25 days late
2024
114 days late
2023
83 days late
2022
91 days late
2021
61 days late
2020
107 days late
2019
105 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 84 days after the deadline; the sector median (NACE 66) for financial year 2024 is 5 days before the deadline, and 39% 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 23 October (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsWhere today falls in the filing period
28-10-2026 today31-12-2026 year end31-07-2027 deadline
- Annual accounts filedfinancial year 2025 · micro…
- Annual accounts filedfinancial year 2024 · micro…
- Equity above €100,000equity €114,956 ▲29.4%
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▲ 54×€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. The turnover shown is an estimate from the gross margin.
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 4,605 active companies whose main activity is insurance agents and brokers (NACE 66220), figures are known for 3,217. 2,792 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.
Directors
Directors
No directors read yet: 0 of 4 Gazette acts processed. See the directors and other office holders in the KBO →
Owners and capital
Owners
No owners or capital events in the accounts and acts we read.
History
Acts, filings and financial milestones
Next filing, financial year 2026, expected by
2026
25-08
NBB filing
Annual accounts filed
financial year 2025 · micro format · 25 days late
2025
22-11
NBB filing
Annual accounts filed
financial year 2024 · micro format · 114 days late
2024
31-12
Financial
Equity above €100,000equity €114,956 ▲29.4%
3 profitable years in a row build equity to €114,956.
22-10
NBB filing
Annual accounts filed
financial year 2023 · micro format · 83 days late
2023
31-12
Financial
Highest result from 2018 to 2025net €40,714 ▲279%
Operating result €59,963, net result €40,714, both a record.
30-10
NBB filing
Annual accounts filed
financial year 2022 · micro format · 91 days late
2022
31-12
Financial
Back to profitnet €10,757
Net result €10,757 after one loss-making year.
30-09
NBB filing
Annual accounts filed
financial year 2021 · micro format · 61 days late
2021
15-11
NBB filing
Annual accounts filed
financial year 2020 · micro format · 107 days late
2020
13-11
NBB filing
Annual accounts filed
financial year 2019 · micro format · 105 days late
2019
31-12
Financial
Back to profitnet €1,659
Net result €1,659 after one loss-making year.
31-08
NBB filing
Annual accounts filed
financial year 2018 · micro format · 31 days late
2018
29-08
NBB filing
Annual accounts filed
financial year 2017 · micro format · 29 days late
2017
26-09
NBB filing
Annual accounts filed
financial year 2016 · micro format · 57 days late
Financial milestoneNBB filingFinancial milestones sit on the financial year-end date, not the filing date.Of the 26 annual accounts filed, the latest 10 are here; all 26 are under Financials.
0 of 4 deeds read
About the unread acts
We know of 4 Belgian Official Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Register details
Identification
Legal formPrivate limited company (pre-2019)
Founded27-03-2000
Financial year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
Contact
Phone
011342688Leopoldsburg
E-invoicing
Reachable via Peppol
Peppol ID
0208:0471516406
Also
9925:BE0471516406
Registered
12-09-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 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
Location & real-estate footprint
Registered office, Leopoldsburg · 1 establishment unit since 2000
Ground area
767 m²
Building footprint
274 m²
Building volume
1,823 m³
Parcel 71034A0514/00A000, Flanders · tallest building 9.0 m. Linked by address, not a title deed.
1 establishment unit
Englebert Adanglaan 54, 3970 Leopoldsburg
since 2000unit no. 2.097.428.723
1 parcel
Flanders
1
(100%)
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 71034A0514/00A000 | Flanders | 767 m² | 1 · 274 m² | 9.0 m · 3 |
How the parcels are linked
Good to know
The parcel matches the address exactly.