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SCHEPERS

Active Risk: not assessed Private limited companyfounded 2015active for 11 yearsZittaardstraat 1, 3545 HalenKBO/BCE: BE 0628.863.272 #10 company by equity in Halen, Finance and insurance sector
SCHEPERS
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Overview

Lifetime

11 annual accounts with figures on one time axis
peak €488,196 (2024)
€467,879▼ 4.2%
peak €127,114 (2017)
€47,886▼ 36.5%
peak €913,194 (2023)
€864,186▼ 3.0%
€81,304▼ 47.8%
peak 1.8 FTE (2019)
-not published
Board1 name since 2015
1 director
Documentsfilings and deeds
23-07-20268 days before the deadline
2025micro format
Result from €75,369 to €47,886Dividend €74,732Debts from €155,782 to €81,304Cash from €136,173 to €379,022

Key points

from the 2025 annual accounts

Equity

€864,186 ▼ 3.0%
891,0322024+47,886Profit-74,732Dividend864,1862025

SCHEPERS paid out €74,732 in dividends. That is 156% of the 2025 profit.

Staff

4 employees on 31-12-2025
112023112024212025

In 2025, 2 people joined and 1 left.

Position in the sector

€864,186

More equity than 92% of companies in auxiliary financial services. Sector median €124,039 · 3,346 companies.

Checked score

Outside the general model
Model not applicable to financial institutions
The Checked score measures liquidity, leverage and margins against the norms for trading and manufacturing companies. A bank, insurer or financial holding has a very different balance sheet. Those ratios and the score mean nothing here. So there is no financial strength either.

Bankruptcy probability within 12 months

The company is a financial institution: a bank, insurer or financial holding. Its balance sheet works differently from that of a trading or manufacturing company. A bankruptcy probability from the general model would mislead here.

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

Board and ownership

Director
Board & ownership

Recent changes

Registered in the Peppol Directory Reachable for e-invoices through 0208:0628863272
Change of role: , from manager to director Legal-form conversion: from private limited company (pre-2019) to private limited company · Director discharge: (manager) · General meeting of 26-09-2023 · Gazette deed
New establishment in Zoutleeuw Sint-Truidensesteenweg 28C
Incorporation published on 07-05-2015 · Gazette deed
All 20 events

Comparable companies

same main activity, similar in size and age
Company
SCHEPERS Halen €1.0m €467,879 89.7% -
LEIEBAKEN Zulte €0.9m €438,927 2.4% 3.8
HEERLEIN Quaregnon €0.9m €524,739 53.8% -
Zakenkantoor Katleen Willems Halle €1.0m €539,783 70.7% -
Nauwelaerts&Partners Duffel €1.0m €519,512 32.3% 8
KANTOOR SARAH TAGHON Wingene €1.1m €414,630 9.1% -
GEUMAN Oudsbergen €0.9m €366,720 84.5% -

These companies have the same main activity as SCHEPERS: agents and brokers in banking services (NACE 66191). They are comparable in size and age: total assets between €897,000 and €1.1m, founded between 2014 and 2016.

Official details

Source: KBO
Status
Active since 24-04-2015Normal situation
Activity
Agents and brokers in banking servicesNACE 66191
Establishment units
2.241.808.9663545 Halen, since 24-04-2015
2.244.373.9243440 Zoutleeuw, since 17-08-2015
Financial year end
31 December
Peppol
Reachable since 23-12-2025
Company details

Annual accounts 2025

€47,886▼ 36.5%
€864,186▼ 3.0%
€963,367▼ 9.5%
Employeeson 31-12-2025
4▲ 33.3%
Filing
Filed on 23-07-2026, 8 days before the end of the filing period
Financials

Insights on SCHEPERS

SCHEPERS files the micro format. That format states no turnover. The gross margin rose from €286,627 in 2015 to €467,879 in 2025.

Sources: KBO register, filings at the National Bank, Belgian Official Gazette.

Financials

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 31-12-2025
What the company ownsHow it is paid for

in euro

in euro

Position in the sector

Compare with 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 Trend20252024202320222021202020192018201720162015
Balance sheet: assets
20/58 963,3671.1m1.3m1.2m1.1m1.0m921,928786,399679,782535,026451,108
21/28 580,470628,518614,451625,6371.1m647,926252,495270,009292,046178,683200,863
21 000------4711,269
22/27 580,470628,518614,451625,6371.0m622,926227,495245,009267,046178,211199,595
22 520,120541,468556,516566,7591.0m616,056221,762242,616263,470170,865191,621
23 2,8413,9915,5689801,0872,1581,9551,0776251,382544
24 49,50980,65952,36757,89921,1304,7133,7781,3162,9515,9647,430
27 8,0002,400---------
28 ----25,00025,00025,00025,00025,000--
29/58 382,897436,173676,387530,35028,219385,544669,433516,390387,735356,344250,245
40/41 3,87604504505,375177,351257,736228,812204,18367,479162,534
40 ----5,346------
41 3,876045045029177,351257,736228,812204,18367,479162,534
50/53 -300,000500,000--------
54/58 379,022136,173175,938529,90022,844208,194411,696287,579183,552288,86587,711
Balance sheet: equity and liabilities
10/49 963,3671.1m1.3m1.2m1.1m1.0m921,928786,399679,782535,026451,108
10/15 864,186891,032913,194900,052898,704901,436797,196722,464631,105503,990426,476
10/11 13,97813,97813,97813,97813,97813,97813,97813,97813,97813,97813,978
100 ------18,60018,60018,60018,60018,600
101 ------4,6224,6224,6224,6224,622
13 850,208877,054899,217886,074884,727887,458783,218708,486617,127490,013412,498
130/1 1,8601,8601,8601,8601,8601,860-----
130 ------1,8601,8601,8601,8601,860
1311 1,8601,8601,8601,8601,8601,860-----
132 68,61668,61668,61668,61668,61691,76291,76291,76297,93427,968328,644
133 779,732806,578828,740815,597814,250793,837689,596614,865517,333460,18481,994
16 17,87717,87717,87717,87717,87717,87717,87717,87719,420--
168 17,87717,87717,87717,87717,87717,87717,87717,87719,420--
17/49 81,304155,782359,767238,058180,759114,158106,85546,05829,25731,03624,632
17 9,39123,38937,28351,073-------
170/4 9,39123,38937,28351,073-------
42/48 71,913100,471253,810116,740110,12738,22661,94746,05829,25731,03624,632
42 13,99813,89413,79013,687-------
44 4,98214,6892,2483001,1645,55144,34811,2278,96213,92513,908
440/4 4,98214,6892,2483001,1645,55144,34811,2278,96213,92513,908
45 38,84048,56345,84435,63561,07532,67617,59934,83120,29617,11110,724
450/3 6,34720,9479,15020,90620,59416,361-17,6253,154-1,976
454/9 32,49327,61636,69414,72940,48216,31517,59917,20517,14117,1118,749
47/48 14,09323,325191,92867,11747,888------
492/3 -31,92268,67370,24670,63275,93244,908----
Income statement
76A --------97,10025,6961,890
9900 467,879488,196456,646424,169405,479413,535298,266277,048328,833217,515286,627
62 164,854149,847155,793119,188106,91491,918100,857113,97291,41697,717104,089
630 60,65257,33944,76054,47144,72642,85124,59424,84532,21726,29540,976
640/8 5,6075,5665,1622,0153512751683022,1661,4143,157
66A ----------5,336
9901 236,766275,443250,931248,495253,488278,491172,647137,929203,03592,090138,405
75/76B 9,23515,7092,7294935,3981,5212,62022140826,2711,672
75 9,23515,7092,7294935,3981,5212,6202214085751,672
76B ---------25,696-
65/66B 174,255179,821141,472130,577133,967129,41166,6176814589061,283
65 174,255179,821141,472130,577133,967129,41166,6176814589061,283
9903 71,746111,331112,188118,412124,919150,601108,651137,469202,984117,455135,349
780 ----4,629------
67/77 23,86035,96241,89639,55045,65646,36133,91947,65256,45039,94152,188
9904 47,88675,36970,29278,86183,891104,24074,73291,360127,11477,51483,161
789 ----18,516--6,1727,715--
689 --------77,680--
9905 47,88675,36970,29278,861102,408104,24074,73297,53257,14977,51483,161
Appropriation of the result
9906 47,88675,36970,29278,861102,408104,24074,73297,53257,14977,51483,161
791/2 74,73297,53257,14977,51481,994------
691/2 47,88675,36970,29278,861102,408104,24074,73297,53257,14977,51483,161
6920 47,88675,36970,292-------1,167
6921 ---78,861102,408104,24074,73297,53257,14977,51481,994
694/7 74,73297,53257,14977,51481,994------
694 74,73297,53257,14977,51481,994------
Social balance sheet
9087 3.32.22.22.11.91.81.81.71.71.11.6
Hours worked1013 3,3543,3283,7783,7433,1542,9213,1422,9643,0013,178886
Document PDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDF

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.

Download as CSV

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 PDF
31-12-2024 micro format 25-07-2025 2025-00307617 PDF
31-12-2023 micro format 01-08-2024 2024-00317730 PDF
31-12-2022 micro format 25-04-2023 2023-00064617 PDF
31-12-2021 micro format 29-06-2022 2022-20111510 PDF
31-12-2020 micro format 08-06-2021 2021-18100036 PDF
31-12-2019 micro format 24-06-2020 2020-20100337 PDF
31-12-2018 micro format 03-07-2019 2019-27800116 PDF
31-12-2017 micro format 22-05-2018 2018-13400473 PDF
31-12-2016 abbreviated format 07-06-2017 2017-15500210 PDF
31-12-2015 abbreviated format 29-04-2016 2016-11200273 PDF

Subsidies and aid

Flemish government 2022 to 2025, 4 entries, €139 awarded, €186 paid

Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
€139
Year Entries AwardedPaid
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 Trend20252024202320222021202020192018201720162015
12,60371,40633,57472,827465,920438,2827,0802,808235,9804,114480,985
242,849-39,765-353,963507,056-185,350-203,503124,118104,027-105,313201,154-
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

Item31-12-202531-12-202431-12-202331-12-202231-12-2021
Employees at the balance-sheet date43333
full-time01111
part-time42222
in full-time equivalents2.12.12.12.12.1
22.22.22.11.9
On a permanent contract43332
Joined211--
Left111--

Source: social balance sheet in the 2021 to 2025 annual accounts

Investments

fixed assets acquired
Item20252024202320222021
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.

Board & ownership

Board

1 director, last change in 2023
Director (not named in the articles)
appointed by deed of 29-09-2023 term without a fixed end
earlier manager, until 29-09-2023
listed in the 2025 annual accounts, filed on 23-07-2026
Signing authorityThe articles say who may bind the company, for example by signing a contract.
Each director alone
deed of 29-09-2023

Office holders in the KBO →

Mandates through the years

1 name, the dashed line is today

Director (not named in the articles)
BoardEarliermandate already running before its first mention
Mandates as a list
    • Director (not named in the articles), from 24-04-2015 to date
    • Manager, until 29-09-2023

See the board, name and registered office on a given date →

Control

See the annual accounts at the National Bank and the publications in the Belgian Official Gazette.

Capital

Contribution
€13,977.89
Source
2025 annual accounts

Articles of association

deed of 29-09-2023 (in Dutch)
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
Board ruleThese rules set how the board is made up, meets and takes decisions.
At least 1 director
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
“De gedelegeerden voor het dagelijks bestuur kunnen in het kader van dat bestuur bijzondere volmachten verlenen aan iedere lasthebber. Het…”

Network & group

No group

SCHEPERS has no parent and no holdings in its annual accounts. is the only director. SCHEPERS shares no director with another company.

The LEI register names no parent.

Timeline

Timeline

20 events since 2015

Deadline for the 2026 accounts: 31-07-2027

2026
Annual accounts 2025 filed NBBmicro format · 8 days before the deadline
2025
Weakest financial year net €47,886 ▼36.5% The net result drops to €47,886, the lowest from 2015 to 2025.
Registered in the Peppol Directory Reachable for e-invoices through 0208:0628863272
Annual accounts 2024 filed PDFmicro format · 6 days before the deadline
2024
Annual accounts 2023 filed PDFmicro format · 1 day late
2023
Change of role: , from manager to directorLegal-form conversion: from private limited company (pre-2019) to private limited company · Director discharge: (manager) · General meeting of 26-09-20237 points ▸
  • General meeting, 26-09-2023
  • Legal-form conversion, from private limited company (pre-2019) to private limited company
  • 750 shares
  • Director resignation, (manager)
  • Director appointment, (director (not named in the articles))
  • Director discharge, (manager)
  • Registered office clause, Zittaardstraat 1, 3545 Halen
  • The deed holds 3 more points.

Open the deed in the Belgian Official Gazette

Annual accounts 2022 filed PDFmicro format · 97 days before the deadline
2022
Liquidity more than 17 times current ratio 4.54 The current ratio rises from 0.26 to 4.54.
Annual accounts 2021 filed PDFmicro format · 32 days before the deadline
2021
Annual accounts 2020 filed PDFmicro format · 53 days before the deadline
2020
Annual accounts 2019 filed PDFmicro format · 37 days before the deadline
2019
Annual accounts 2018 filed PDFmicro format · 28 days before the deadline
2018
Annual accounts 2017 filed PDFmicro format · 70 days before the deadline
2017
Highest result from 2015 to 2025 net €127,114 ▲64% The net result of €127,114 is the highest of those years.
Annual accounts 2016 filed PDFabbreviated format · 54 days before the deadline
2016
Equity above €500,000 equity €503,990 ▲18.2% With a profit in every financial year since 2015, equity grows to €503,990.
Annual accounts 2015 filed PDFabbreviated format · 93 days before the deadline
2015
New establishment in Zoutleeuw Sint-Truidensesteenweg 28C
Incorporation PDFpublished on 07-05-2015
First establishment Zittaardstraat 1, Halen

Financial milestones sit on the financial year-end date, not the filing date.

Sources: Publications in the Belgian Official GazetteFilings with the National Bank

History

On 24 April 2015, SCHEPERS was incorporated.1 Total assets went from €786,399 in 2018 to €963,367 in 2025 and headcount from 1.7 to 3.3 full-time equivalents.2

  1. 1KBO register
  2. 2National Bank, annual accounts 2018 and 2025

Company details

Identity

Enterprise number
0628.863.272
VAT number
BE 0628.863.272
Peppol ID
0208:0628863272
Other Peppol ID
9925:BE0628863272
LEI code
64881C27QD2A0ER2A446 live in the LEI register
Legal form
Private limited company
Status
Active, normal situation
Founded
24-04-2015
Financial year
ends on 31 December
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
“De gedelegeerden voor het dagelijks bestuur kunnen in het kader van dat bestuur bijzondere volmachten verlenen aan iedere lasthebber. Het…”
deed of 29-09-2023 (in Dutch)
Peppol
Reachable since 23-12-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
Name
SCHEPERS in Dutch
Entity type
Legal entity
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
deed of 29-09-2023 (in Dutch)
Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
“Vlaams Gewest”
deed of 29-09-2023 (in Dutch)

Activities

NACEBEL 2025
66191 Agents and brokers in banking services main activity
Codes under NACEBEL 2008
66191 Agents and brokers in banking services main activity
PurposeThe purpose describes the activities the company may carry out under its articles.
“Het verrichten van werkzaamheden van bemiddeling in bank- en beleggingsdiensten overeenkomstig de wet van 22 maart 2006 betreffende de…”
2 activities
  1. Het verrichten van werkzaamheden van bemiddeling in bank- en beleggingsdiensten overeenkomstig de wet van 22 maart 2006 betreffende de bemiddeling in bank- en beleggingsdiensten en de distributie van financiële instrumenten of iedere latere rechtsnorm die ter vervanging van voormelde wet deze activiteiten zal reguleren
  2. Het verrichten van werkzaamheden van verzekeringsbemiddeling overeenkomstig de wet van 27 maart 1995 betreffende de verzekerings- en herverzekerings-bemiddeling en de distributie van verzekeringen of iedere latere rechtsnorm die ter vervanging van voormelde wet deze activiteiten zal reguleren
deed of 29-09-2023 (in Dutch)

Registered office and establishments

2 establishments
Establishment Since Unit number
Zittaardstraat 1 registered office 3545 Halen 24-04-2015 2.241.808.966
Sint-Truidensesteenweg 28C 3440 Zoutleeuw 17-08-2015 2.244.373.924

Buildings and parcels at the addresses

Ground area
6,717 m²
Buildings
2,207 m²
Volume, LiDAR
10,685 m³
Tallest building
9.3 m
Buildings to scale, each on its own parcel
1,984 m², 9.2 m 223 m², 9.3 m 1,984 m², 9.2 m 223 m², 9.3 m

Location

registered office establishment All 2 establishment units on the map

Parcels

Cadastral parcelArea Buildings Height / floors
24130A0028/00E0075,692 m² 1 · 1,984 m² 9.2 m · 2
71020B0259/00T0001,025 m² 1 · 223 m² 9.3 m · 2

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