SCHEPEX
ActiveSCHEPEX has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €368k and a net result of €79k. Equity remains stable across the filed fiscal years (±0.3% per year). Its solvency ranks better than 95% of 31510 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
100
/ 100
Excellent▲ +14 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100▲+38
Growth58=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 23.01 against 1.26 in 2024), and 3.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
96.7%
Return on assets
20.9%
Age of the figures
8 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 23-07-2026, 8 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
8 d early
2024
30 d early
2023
1 d late
2022
34 d early
2021
31 d early
2020
3 d late
2019
9 d early
← before the deadline
after the deadline →
Financials · fiscal year 2025, micro schema
Equity
€368k▲ 27.5%
2024 · €288k
2019: €587k
2020: €637k
2021: €717k
2022: €727k
2023: €725k
2024: €288k
2019 → 2025
Total assets
€380k▼ 52.2%
2024 · €796k
2019: €602k
2020: €650k
2021: €740k
2022: €745k
2023: €735k
2024: €796k
2019 → 2025
Net result
€79k▲ 19.4%
2024 · €66k
2019: €59k
2020: €50k
2021: €80k
2022: €10k
2023: €-2k
2024: €66k
2019 → 2025
Working capital
€219k▲ 67.8%
2024 · €131k
2019: €579k
2020: €639k
2021: €719k
2022: €550k
2023: €560k
2024: €131k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€717k-€727k▲ 1.4%€725k▼ 0.3%€288k▼ 60.2%€368k▲ 27.5%
Operating result€112k-€18k▼ 83.7%€-8k€68k€93k▲ 37.4%
Net result€80k-€10k▼ 87.2%€-2k€66k€79k▲ 19.4%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 37% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €380k
Fixed assets
€151k▼ 5.8%
Current assets
€229k▼ 63.9%
Equity and liabilities €380k
Equity
€368k▲ 27.5%
Debt
€12k▼ 97.5%
The debt ratio falls from 63.8% to 3.3%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€103k▲
2024 · €78k
Cash flow
€90k▲
2024 · €77k
Solvency
96.7%▲
2024 · 36.2%
Current ratio
23.01▲
2024 · 1.26
Quick ratio
23.01▲
2024 · 1.26
Debt / equity
0.03▼
2024 · 1.76
ROE
21.6%▼
2024 · 23.0%
ROA
20.9%▲
2024 · 8.3%
Interest coverage
494.36▲
2024 · 423.56
Debt
€12k▼
2024 · €507k
Debt ≤ 1 year
€10k▼
2024 · €505k
Income taxes
€45k▲
2024 · €19k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€796k€380k▼
Fixed assets21/28€160k€151k▼
Tangible fixed assets22/27€10k€849▼
Plant, machinery and equipment23€385-
Furniture and vehicles24€10k€849▼
Financial fixed assets28€150k€150k=
Current assets29/58€635k€229k▼
Amounts receivable within one year40/41€6k€20k▲
Trade receivables40€500€17k▲
Other amounts receivable41€6k€3k▼
Cash at bank and in hand54/58€627k€209k▼
Deferred charges and accrued income490/1€2k-
Equity and liabilities
Total equity and liabilities10/49€796k€380k▼
Equity10/15€288k€368k▲
Reserves13€220k€295k▲
Non-distributable reserves130/1€2k€2k=
Other1319€2k€2k=
Tax-exempt reserves132€206k€281k▲
Distributable reserves133€12k€12k=
Profit (loss) carried forward14€68k€72k▲
Amounts payable17/49€507k€12k▼
Amounts payable within one year42/48€505k€10k▼
Trade debts44€2k€1k▼
Suppliers440/4€2k€1k▼
Taxes, remuneration and social security45€25k€3k▼
Taxes450/3€25k€3k▼
Other amounts payable47/48€478k€5k▼
Accrued charges and deferred income492/3€3k€3k=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€10k▼
Other operating charges640/8€754€1k▲
Gross operating margin9900€79k€105k▲
Operating profit (loss)9901€68k€93k▲
Financial income75/76B€18k€31k▲
Recurring financial income75€18k€31k▲
Financial charges65/66B€184€209▲
Recurring financial charges65€184€209▲
Profit (loss) for the period before taxes9903€85k€124k▲
Income taxes67/77€19k€45k▲
Profit (loss) for the period9904€66k€79k▲
Transfer from tax-exempt reserves789€503k-
Transfer to tax-exempt reserves689€66k€75k▲
Profit (loss) for the period to be appropriated9905€503k€4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€571k€72k▼
Profit (loss) brought forward from the previous period14P€68k€68k▲
Profit to be distributed694/7€503k-
Return on contributions (dividend)694€503k-
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
23-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity times 18current ratio 23.01
Current ratio from 1.26 to 23.01; short-term debt falls from €505k to €10k.
01-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-08
Financial
Back to profitnet €66k
Net result €66k after one loss-making year.
01-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 1 day late
2023
31-08
Financial
Weakest financial yearnet €-2k ▼122%
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
31-08
Financial
Liquidity triplescurrent ratio 121.66
Current ratio from 36.76 to 121.66; short-term debt falls from €15k to €5k.
25-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
28-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-08
Financial
Highest result since 2019net €80k ▲60.4%
Operating result €112k, net result €80k, both a record.
03-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 3 days late
2020
22-03
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
02-02
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
18-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 171 days late
2017
27-02
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2023
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
10-03-2023
Resigned as Director
Location & real-estate footprint
Registered office, Zoersel · 1 establishment unit since 1997
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Jachthoornlaan 162980 ZoerselGround area
2,127 m²
Building footprint
353 m²
Volume, LiDAR
1,465 m³
Parcel 11055C0147/00Y000, Flanders · tallest building 13.6 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
SCHEPEX BVBA
since 19972.083.185.163
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11055C0147/00Y000 | Flanders | 2,127 m² | 1 · 353 m² | 13.6 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
STE-LO
BE 0695.454.366
Schilde · Eq €368k
DOCHAIN NICOLAS
BE 0680.955.935
Durbuy · Eq €368k
TRANSFORMATIS
BE 0741.865.896
Ukkel · Eq €368k
BOUWMANAGEMENT TEAM
BE 0466.345.019
Kontich · Eq €368k
VARS
BE 0568.973.195
Tubize · Eq €367k
Of 82,218 companies in sector 70200 we hold annual accounts for 52,395. 36,775 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-08-1997
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 28 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.