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EP FINANCE

Active
Private limited company (pre-2019)· 8 yrs active
Hundelgemsesteenweg 492 ·9820 Merelbeke-Melle, Belgium
KBO/BCE: BE 0682.808.536
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Age8 yrs
Board1
Connections1
Real estate2 parcels · 6,586 m²

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of EP FINANCE is 1.3% (low). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. No processed annual-account figures are available; this conclusion rests on registry and State Gazette data only.

Based on State Gazette and CBE data.

Filing behaviour

From the deposit records, complete market-wide
Deadline passed, not yet counted as missing
The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 14 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.
Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-10-2025, 91 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
How we compute the deadline
The year end is derived from 7 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-12-2025 31-07-2026 nothing on record not filed -
31-12-2024 31-07-2025 30-10-2025 91 d late 2025-00553799
31-12-2023 31-07-2024 30-08-2024 30 d late 2024-00435728
31-12-2022 31-07-2023 28-09-2023 59 d late 2023-00462097
31-12-2021 31-07-2022 11-08-2022 11 d late 2022-20286284
31-12-2020 31-07-2021 16-08-2021 16 d late 2021-49100399
31-12-2019 31-07-2020 28-08-2020 28 d late 2020-47400078
31-12-2018 31-07-2019 30-07-2019 1 d early 2019-41100538

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals
More than 3 years active
Founded in 2017, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
1.3% Low
0%0,5%1,5%4%10%≥25%
No NACE activity registered +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

Annual accounts & ratios

Source: NBB
Financials being processed
NBB has 7 filing(s) on record for this company, latest fiscal year 2024 (micro). The annual accounts are being processed.
Filings on record
Fiscal year Type Filed Reference
31-12-2024 micro 30-10-2025 2025-00553799
31-12-2023 micro 30-08-2024 2024-00435728
31-12-2022 micro 28-09-2023 2023-00462097
31-12-2021 micro 11-08-2022 2022-20286284
31-12-2020 micro 16-08-2021 2021-49100399
31-12-2019 micro 28-08-2020 2020-47400078
31-12-2018 micro 30-07-2019 2019-41100538

Directors

Directors & mandates

3 directors
Current directors & mandates
  • CreditumLegal entity
    Director· perm. rep.: Kathy Wauters
    State Gazette act 25151321 (28-11-2025)
    Current
    01-03-2025 → present
Former directors (2)
  • Copers Peter
    Director
    State Gazette act 25151321 (28-11-2025)
    Former
    - → 01-03-2025
  • Degraeve Els
    Director
    State Gazette act 25151321 (28-11-2025)
    Former
    - → 01-03-2025
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.

Insolvency mandates

No insolvency mandates (liquidators, administrators) on record for this company.

Legal Structure

NACE primary -
Legal form Private limited company (pre-2019)(015)
Incorporation11-10-2017
StatusActive
Postal code9820

Structure & network

Connections & network

1 connected company
Group structure
Creditum
Sits on the board · 1 subsidiary · 1 location
Control→
Connections derived from shared directors, addresses, shareholders and group structure in the Belgian State Gazette.

Ownership & control

1 party
Control over this companysits on this company's board1
Creditum
1 subsidiary · 1 location
controls
EP FINANCEBE 0682.808.536

Each band states what its claims rest on. A board seat is influence over the board, not ownership. Court mandates (receiver, interim administrator) and liquidation mandates do not link companies and are therefore absent here; they belong under Directors & mandates.

Locations & real estate

Registered office

from the Crossroads Bank
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.

Hundelgemsesteenweg 4929820 Merelbeke-Melle

Establishment units

1 location
EP FINANCE
Driekoningenplein 5, 9820 Merelbeke-MelleOverige financiële dienstverlening, neg
since 20172.272.231.235
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels2
Ground area6,586 m²
Buildings2
Building footprint1,520 m²
Volume (LiDAR)13,942 m³
Tallest building14.2 m · ±3 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
44412C0252/00X000 Flanders 6,114 m² 1 · 1,324 m² 14.2 m · 3 fl.
44043A0661/00F002 Flanders 472 m² 1 · 196 m² 12.3 m · 2 fl.
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgisch Staatsblad · acts

3 acts
Address history · 2
28-11-2025
v3.2
14-05-2019
v3.2
All acts · 3 updated 8 months ago
2025
28-11-2025 Registered office moved from Merelbeke to Merelbeke-Melle Registered-office change
  • Driekoningenplein 5, 9820 Merelbeke → Hundelgemsesteenweg 492A, 9820 Merelbeke-Melle
Summary: v3.2
2019
14-05-2019 Registered office moved within Merelbeke Registered-office change
  • Zwijnaardsesteenweg 35, 9820 Merelbeke → Driekoningenplein 5, 9820 Merelbeke
Summary: v3.2
2017
13-10-2017 Incorporation of a new BV Incorporation
Summary: oprichting

Analysis

Credit advice

verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Company registry

Company registry (CBE)

Crossroads Bank
Names & trade names
Legal nameNL EP FINANCE
Registered office
Hundelgemsesteenweg 492 bus A
9820 Merelbeke-Melle, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.