Stephan Schepens
ActiveSummary
Stephan Schepens has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €183k and a net result of €17k. Equity is growing by ~16.3% per year across the filed fiscal years. Its solvency ranks better than 82% of 11322 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
73
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability78▲+1
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days acceptable
Liquidity ample (current ratio 4.98 against 5.86 in 2024; short-term debt: 16% and cash: 1.2% of total assets), and 18.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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
81.3%
Return on assets
7.5%
Age of the figures
18 mo
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
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 31-10-2025, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
13 d early
2023
1 d early
2022
2 d late
2021
9 d late
2020
51 d late
2019
34 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close24-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€183k▲ 10.2%
2024 · €166k
2019: €36k
2020: €75k
2021: €119k
2022: €132k
2023: €152k
2024: €166k
2019 → 2025
Total assets
€225k▲ 7.7%
2024 · €209k
2019: €69k
2020: €96k
2021: €177k
2022: €166k
2023: €211k
2024: €209k
2019 → 2025
Net result
€17k▲ 20.0%
2024 · €14k
2019: €22k
2020: €39k
2021: €44k
2022: €13k
2023: €20k
2024: €14k
2019 → 2025
Working capital
€144k▲ 19.8%
2024 · €120k
2019: €41k
2020: €50k
2021: €79k
2022: €102k
2023: €118k
2024: €120k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€119k-€132k▲ 11.1%€152k▲ 15.0%€166k▲ 9.2%€183k▲ 10.2%
Operating result€62k-€24k▼ 61.8%€34k▲ 43.7%€30k▼ 13.2%€16k▼ 47.2%
Net result€44k-€13k▼ 70.0%€20k▲ 50.3%€14k▼ 29.3%€17k▲ 20.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 47% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €225k
Fixed assets
€45k ▼ 29.6%
Current assets
€180k ▲ 24.4%
Equity and liabilities €225k
Equity
€183k ▲ 10.2%
Debt
€42k ▼ 1.6%
Debt's share of the balance-sheet total falls from 20.4% to 18.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€38k▼
2024 · €46k
Cash flow
€39k▲
2024 · €31k
Current ratio
4.98▼
2024 · 5.86
Debt to equity
0.23▼
2024 · 0.26
ROE
9.2%▲
2024 · 8.5%
ROA
7.5%▲
2024 · 6.7%
Interest coverage
9.67▼
2024 · 16.56
Debt ≤ 1 year
€36k▲
2024 · €25k
Debt > 1 year
€6k▼
2024 · €18k
Income taxes
€13k▲
2024 · €13k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 45 lines
Balance sheet
Code20242025
Assets
Total assets20/58€209k€225k▲
Fixed assets21/28€64k€45k▼
Tangible fixed assets22/27€64k€45k▼
Plant, machinery and equipment23€1k€2k▲
Furniture and vehicles24€63k€43k▼
Current assets29/58€145k€180k▲
Amounts receivable within one year40/41€23k€31k▲
Trade receivables40€20k€17k▼
Other amounts receivable41€3k€14k▲
Current investments50/53€119k€145k▲
Cash at bank and in hand54/58€2k€3k▲
Deferred charges and accrued income490/1€635€2k▲
Equity and liabilities
Total equity and liabilities10/49€209k€225k▲
Equity10/15€166k€183k▲
Contributions10/11€19k€19k=
Reserves13€148k€165k▲
Distributable reserves133€148k€165k▲
Amounts payable17/49€43k€42k▼
Amounts payable after more than one year17€18k€6k▼
Financial debts170/4€18k€6k▼
Amounts payable within one year42/48€25k€36k▲
Current portion of amounts payable after more than one year42€16k€9k▼
Financial debts43-€10k
Credit institutions430/8-€10k
Trade debts44€4k€8k▲
Suppliers440/4€4k€8k▲
Taxes, remuneration and social security45€3k€9k▲
Taxes450/3€3k€9k▲
Other amounts payable47/48€2k-
Income statement
Code20242025
Non-recurring operating income76A€3k€829▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€22k▲
Other operating charges640/8€3k€2k▼
Gross operating margin9900€49k€39k▼
Operating profit (loss)9901€30k€16k▼
Financial income75/76B€296€19k▲
Recurring financial income75€296€19k▲
Financial charges65/66B€3k€4k▲
Recurring financial charges65€3k€4k▲
Profit (loss) for the period before taxes9903€27k€30k▲
Income taxes67/77€13k€13k▲
Profit (loss) for the period9904€14k€17k▲
Profit (loss) for the period to be appropriated9905€14k€17k▲
Appropriation of the result
Profit (loss) to be appropriated9906€14k€17k▲
Transfer to equity691/2€14k€17k▲
To other reserves6921€14k€17k▲
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2025
31-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
18-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
30-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
31-03
Financial
Equity above €150kEq €152k ▲15%
5 profitable years in a row build equity to €152k.
2022
02-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 2 days late
31-03
Financial
Weakest financial yearnet €13k ▼70%
Net result drops to €13k, the lowest in the series; recovery starts the following year.
31-03
Financial
Liquidity doublescurrent ratio 6.40
Current ratio from 3.17 to 6.40; short-term debt falls from €36k to €19k.
2021
09-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 9 days late
31-03
Financial
Highest result since 2019net €44k ▲11.9%
Operating result €62k, net result €44k, both a record.
31-03
Financial
Equity above €100kEq €119k ▲58.8%
3 profitable years in a row build equity to €119k.
2020
21-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 51 days late
2019
04-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 34 days late
Show earlier events
2018
25-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
18-10
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
2 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Herzele · 1 establishment unit since 2015
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.
Diepestraat 189550 HerzeleGround area
697 m²
Building footprint
120 m²
Volume, LiDAR
705 m³
Parcel 41028B0093/00T000, Flanders · tallest building 7.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Stephan Schepens
since 20152.239.430.288
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41028B0093/00T000 | Flanders | 697 m² | 1 · 120 m² | 7.9 m · 2 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.
Recognitions · licences · registrations
Legal Entity Identifier
875500UR46LPWWQBU180
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Of 1,075 companies in sector 46140 we hold annual accounts for 644. 503 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-02-2015
Fiscal year end31-03
Activities, NACEBEL 2025
46140Agents in the wholesale of industrial machinery, ships and aircraft
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:stephan.schepens@gmail.com
Phone:0485966778