SCHEPERS
Annual accounts 2025
micro format, filed on 23-07-2026, 8 days before the deadline€864,186
▼ 3.0%
€963,367
▼ 9.5%
€47,886
▼ 36.5%
89.7%
▲ 6.0 percentage points
5.5%
▼ 2.9 percentage points
5.0%
▼ 2.1 percentage points
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
In the rankings
#10 company by equity in Halen, Finance and insurance sector
Balance sheet
balance sheet total €963,367 on 31-12-2025What the company ownsHow it is paid for
in euro
in euro
Position in the sector
89.7%
Higher than 89% of 3,343 companies in 2025.
5.0%
Higher than 34% of 3,284 companies in 2025.
SCHEPERS
Middle half of the sector
80% of the sector
Micro accounts in auxiliary financial services (NACE 66)
Net result: middle half · Equity: top quarter · Balance sheet total: top quarter
Staff
€49,956
Staff costs divided by the average number of full-time equivalents.
+1 person
people who joined
people who left
In 2025, 2 people joined and 1 left.
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Balance sheet: assets | ||||||||||||
20/58 |
963,367 | 1.1m | 1.3m | 1.2m | 1.1m | 1.0m | 921,928 | 786,399 | 679,782 | 535,026 | 451,108 | |
21/28 |
580,470 | 628,518 | 614,451 | 625,637 | 1.1m | 647,926 | 252,495 | 270,009 | 292,046 | 178,683 | 200,863 | |
21 |
0 | 0 | 0 | - | - | - | - | - | - | 471 | 1,269 | |
22/27 |
580,470 | 628,518 | 614,451 | 625,637 | 1.0m | 622,926 | 227,495 | 245,009 | 267,046 | 178,211 | 199,595 | |
22 |
520,120 | 541,468 | 556,516 | 566,759 | 1.0m | 616,056 | 221,762 | 242,616 | 263,470 | 170,865 | 191,621 | |
23 |
2,841 | 3,991 | 5,568 | 980 | 1,087 | 2,158 | 1,955 | 1,077 | 625 | 1,382 | 544 | |
24 |
49,509 | 80,659 | 52,367 | 57,899 | 21,130 | 4,713 | 3,778 | 1,316 | 2,951 | 5,964 | 7,430 | |
27 |
8,000 | 2,400 | - | - | - | - | - | - | - | - | - | |
28 |
- | - | - | - | 25,000 | 25,000 | 25,000 | 25,000 | 25,000 | - | - | |
29/58 |
382,897 | 436,173 | 676,387 | 530,350 | 28,219 | 385,544 | 669,433 | 516,390 | 387,735 | 356,344 | 250,245 | |
40/41 |
3,876 | 0 | 450 | 450 | 5,375 | 177,351 | 257,736 | 228,812 | 204,183 | 67,479 | 162,534 | |
40 |
- | - | - | - | 5,346 | - | - | - | - | - | - | |
41 |
3,876 | 0 | 450 | 450 | 29 | 177,351 | 257,736 | 228,812 | 204,183 | 67,479 | 162,534 | |
50/53 |
- | 300,000 | 500,000 | - | - | - | - | - | - | - | - | |
54/58 |
379,022 | 136,173 | 175,938 | 529,900 | 22,844 | 208,194 | 411,696 | 287,579 | 183,552 | 288,865 | 87,711 | |
| Balance sheet: equity and liabilities | ||||||||||||
10/49 |
963,367 | 1.1m | 1.3m | 1.2m | 1.1m | 1.0m | 921,928 | 786,399 | 679,782 | 535,026 | 451,108 | |
10/15 |
864,186 | 891,032 | 913,194 | 900,052 | 898,704 | 901,436 | 797,196 | 722,464 | 631,105 | 503,990 | 426,476 | |
10/11 |
13,978 | 13,978 | 13,978 | 13,978 | 13,978 | 13,978 | 13,978 | 13,978 | 13,978 | 13,978 | 13,978 | |
100 |
- | - | - | - | - | - | 18,600 | 18,600 | 18,600 | 18,600 | 18,600 | |
101 |
- | - | - | - | - | - | 4,622 | 4,622 | 4,622 | 4,622 | 4,622 | |
13 |
850,208 | 877,054 | 899,217 | 886,074 | 884,727 | 887,458 | 783,218 | 708,486 | 617,127 | 490,013 | 412,498 | |
130/1 |
1,860 | 1,860 | 1,860 | 1,860 | 1,860 | 1,860 | - | - | - | - | - | |
130 |
- | - | - | - | - | - | 1,860 | 1,860 | 1,860 | 1,860 | 1,860 | |
1311 |
1,860 | 1,860 | 1,860 | 1,860 | 1,860 | 1,860 | - | - | - | - | - | |
132 |
68,616 | 68,616 | 68,616 | 68,616 | 68,616 | 91,762 | 91,762 | 91,762 | 97,934 | 27,968 | 328,644 | |
133 |
779,732 | 806,578 | 828,740 | 815,597 | 814,250 | 793,837 | 689,596 | 614,865 | 517,333 | 460,184 | 81,994 | |
16 |
17,877 | 17,877 | 17,877 | 17,877 | 17,877 | 17,877 | 17,877 | 17,877 | 19,420 | - | - | |
168 |
17,877 | 17,877 | 17,877 | 17,877 | 17,877 | 17,877 | 17,877 | 17,877 | 19,420 | - | - | |
17/49 |
81,304 | 155,782 | 359,767 | 238,058 | 180,759 | 114,158 | 106,855 | 46,058 | 29,257 | 31,036 | 24,632 | |
17 |
9,391 | 23,389 | 37,283 | 51,073 | - | - | - | - | - | - | - | |
170/4 |
9,391 | 23,389 | 37,283 | 51,073 | - | - | - | - | - | - | - | |
42/48 |
71,913 | 100,471 | 253,810 | 116,740 | 110,127 | 38,226 | 61,947 | 46,058 | 29,257 | 31,036 | 24,632 | |
42 |
13,998 | 13,894 | 13,790 | 13,687 | - | - | - | - | - | - | - | |
44 |
4,982 | 14,689 | 2,248 | 300 | 1,164 | 5,551 | 44,348 | 11,227 | 8,962 | 13,925 | 13,908 | |
440/4 |
4,982 | 14,689 | 2,248 | 300 | 1,164 | 5,551 | 44,348 | 11,227 | 8,962 | 13,925 | 13,908 | |
45 |
38,840 | 48,563 | 45,844 | 35,635 | 61,075 | 32,676 | 17,599 | 34,831 | 20,296 | 17,111 | 10,724 | |
450/3 |
6,347 | 20,947 | 9,150 | 20,906 | 20,594 | 16,361 | - | 17,625 | 3,154 | - | 1,976 | |
454/9 |
32,493 | 27,616 | 36,694 | 14,729 | 40,482 | 16,315 | 17,599 | 17,205 | 17,141 | 17,111 | 8,749 | |
47/48 |
14,093 | 23,325 | 191,928 | 67,117 | 47,888 | - | - | - | - | - | - | |
492/3 |
- | 31,922 | 68,673 | 70,246 | 70,632 | 75,932 | 44,908 | - | - | - | - | |
| Income statement | ||||||||||||
76A |
- | - | - | - | - | - | - | - | 97,100 | 25,696 | 1,890 | |
9900 |
467,879 | 488,196 | 456,646 | 424,169 | 405,479 | 413,535 | 298,266 | 277,048 | 328,833 | 217,515 | 286,627 | |
62 |
164,854 | 149,847 | 155,793 | 119,188 | 106,914 | 91,918 | 100,857 | 113,972 | 91,416 | 97,717 | 104,089 | |
630 |
60,652 | 57,339 | 44,760 | 54,471 | 44,726 | 42,851 | 24,594 | 24,845 | 32,217 | 26,295 | 40,976 | |
640/8 |
5,607 | 5,566 | 5,162 | 2,015 | 351 | 275 | 168 | 302 | 2,166 | 1,414 | 3,157 | |
66A |
- | - | - | - | - | - | - | - | - | - | 5,336 | |
9901 |
236,766 | 275,443 | 250,931 | 248,495 | 253,488 | 278,491 | 172,647 | 137,929 | 203,035 | 92,090 | 138,405 | |
75/76B |
9,235 | 15,709 | 2,729 | 493 | 5,398 | 1,521 | 2,620 | 221 | 408 | 26,271 | 1,672 | |
75 |
9,235 | 15,709 | 2,729 | 493 | 5,398 | 1,521 | 2,620 | 221 | 408 | 575 | 1,672 | |
76B |
- | - | - | - | - | - | - | - | - | 25,696 | - | |
65/66B |
174,255 | 179,821 | 141,472 | 130,577 | 133,967 | 129,411 | 66,617 | 681 | 458 | 906 | 1,283 | |
65 |
174,255 | 179,821 | 141,472 | 130,577 | 133,967 | 129,411 | 66,617 | 681 | 458 | 906 | 1,283 | |
9903 |
71,746 | 111,331 | 112,188 | 118,412 | 124,919 | 150,601 | 108,651 | 137,469 | 202,984 | 117,455 | 135,349 | |
780 |
- | - | - | - | 4,629 | - | - | - | - | - | - | |
67/77 |
23,860 | 35,962 | 41,896 | 39,550 | 45,656 | 46,361 | 33,919 | 47,652 | 56,450 | 39,941 | 52,188 | |
9904 |
47,886 | 75,369 | 70,292 | 78,861 | 83,891 | 104,240 | 74,732 | 91,360 | 127,114 | 77,514 | 83,161 | |
789 |
- | - | - | - | 18,516 | - | - | 6,172 | 7,715 | - | - | |
689 |
- | - | - | - | - | - | - | - | 77,680 | - | - | |
9905 |
47,886 | 75,369 | 70,292 | 78,861 | 102,408 | 104,240 | 74,732 | 97,532 | 57,149 | 77,514 | 83,161 | |
| Appropriation of the result | ||||||||||||
9906 |
47,886 | 75,369 | 70,292 | 78,861 | 102,408 | 104,240 | 74,732 | 97,532 | 57,149 | 77,514 | 83,161 | |
791/2 |
74,732 | 97,532 | 57,149 | 77,514 | 81,994 | - | - | - | - | - | - | |
691/2 |
47,886 | 75,369 | 70,292 | 78,861 | 102,408 | 104,240 | 74,732 | 97,532 | 57,149 | 77,514 | 83,161 | |
6920 |
47,886 | 75,369 | 70,292 | - | - | - | - | - | - | - | 1,167 | |
6921 |
- | - | - | 78,861 | 102,408 | 104,240 | 74,732 | 97,532 | 57,149 | 77,514 | 81,994 | |
694/7 |
74,732 | 97,532 | 57,149 | 77,514 | 81,994 | - | - | - | - | - | - | |
694 |
74,732 | 97,532 | 57,149 | 77,514 | 81,994 | - | - | - | - | - | - | |
| Social balance sheet | ||||||||||||
9087 |
3.3 | 2.2 | 2.2 | 2.1 | 1.9 | 1.8 | 1.8 | 1.7 | 1.7 | 1.1 | 1.6 | |
Hours worked1013 |
3,354 | 3,328 | 3,778 | 3,743 | 3,154 | 2,921 | 3,142 | 2,964 | 3,001 | 3,178 | 886 | |
| Document | ||||||||||||
The notes to these accounts have 9 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 23-07-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 23-07-2026 | 2026-00322068 | |
| 31-12-2024 | micro format | 25-07-2025 | 2025-00307617 | |
| 31-12-2023 | micro format | 01-08-2024 | 2024-00317730 | |
| 31-12-2022 | micro format | 25-04-2023 | 2023-00064617 | |
| 31-12-2021 | micro format | 29-06-2022 | 2022-20111510 | |
| 31-12-2020 | micro format | 08-06-2021 | 2021-18100036 | |
| 31-12-2019 | micro format | 24-06-2020 | 2020-20100337 | |
| 31-12-2018 | micro format | 03-07-2019 | 2019-27800116 | |
| 31-12-2017 | micro format | 22-05-2018 | 2018-13400473 | |
| 31-12-2016 | abbreviated format | 07-06-2017 | 2017-15500210 | |
| 31-12-2015 | abbreviated format | 29-04-2016 | 2016-11200273 |
Subsidies and aid
Flemish government 2022 to 2025, 4 entries, €139 awarded, €186 paid
| Year | Entries | Awarded | Paid |
|---|---|---|---|
| 2025 | 1 | €49 | €49 |
| 2024 | 1 | €47 | €47 |
| 2023 | 1 | €0 | €47 |
| 2022 | 1 | €43 | €43 |
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 12,603 | 71,406 | 33,574 | 72,827 | 465,920 | 438,282 | 7,080 | 2,808 | 235,980 | 4,114 | 480,985 | ||
| 242,849 | -39,765 | -353,963 | 507,056 | -185,350 | -203,503 | 124,118 | 104,027 | -105,313 | 201,154 | - | ||
| 89.7% | 83.7% | 70.7% | 77.9% | 81.9% | 87.2% | 86.5% | 91.9% | 92.8% | 94.2% | 94.5% | ||
| 5.5% | 8.5% | 7.7% | 8.8% | 9.3% | 11.6% | 9.4% | 12.6% | 20.1% | 15.4% | 19.5% | ||
| 5.0% | 7.1% | 5.4% | 6.8% | 7.6% | 10.1% | 8.1% | 11.6% | 18.7% | 14.5% | 18.4% |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Social balance sheet
| Item | 31-12-2025 | 31-12-2024 | 31-12-2023 | 31-12-2022 | 31-12-2021 |
|---|---|---|---|---|---|
| Employees at the balance-sheet date | 4 | 3 | 3 | 3 | 3 |
| full-time | 0 | 1 | 1 | 1 | 1 |
| part-time | 4 | 2 | 2 | 2 | 2 |
| in full-time equivalents | 2.1 | 2.1 | 2.1 | 2.1 | 2.1 |
| 2 | 2.2 | 2.2 | 2.1 | 1.9 | |
| On a permanent contract | 4 | 3 | 3 | 3 | 2 |
| Joined | 2 | 1 | 1 | - | - |
| Left | 1 | 1 | 1 | - | - |
Source: social balance sheet in the 2021 to 2025 annual accounts
Investments
fixed assets acquired| Item | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Tangible fixed assets | €12,603 | €71,406 | €33,574 | €72,827 | €465,920 |
| €60,652 | €57,339 | €44,760 | €54,471 | €44,726 |
Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)
Insights on SCHEPERS
The operating result for 2025 is 14% lower than in 2024 and the lowest since 2019.
Debt's share of the balance-sheet total falls from 14.6% to 8.4%. Equity and debt are lower.