Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Tight liquidity NBB
Cash and receivables cover 2 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
EP FINANCE from Merelbeke-Melle, company number BE0682808536, closed financial year 2025 with a result of € 2 after tax. For that financial year EP FINANCE recorded a gross margin of € 650 and equity of € 195,087. Compared with financial year 2024, the result moved from € 175,584 to € 2. The company is profitable. The buffer is growing. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on October 14, 2026.
€ 195,087
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 2
▼ € 175,582 vs 2024
Profit after tax over the fiscal year.
€ 18
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € 176,487.
Debts at end 2025
€ 97,057
▼ 2% vs 2024
€ 27,707 is repaid this year. At this pace the long-term loan is gone in ≈ 4 years.
€ 3,083
▼ 10% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 21,610
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 177,607 | € 223,501 | € 150,022 | € 650 | ▼ € 149,372 |
| Profit after taxes | € 71,042 | € 116,953 | € 175,584 | € 2 | ▼ € 175,582 |
| Equity | € 19,501 | € 19,501 | € 195,085 | € 195,087 | |
| Total debts | € 222,030 | € 222,040 | € 167,676 | € 121,750 | ▼ 27% |
| Cash | € 0 | - | - | € 18 | |
| Retained profit | € 901 | € 901 | € 176,485 | € 176,487 | |
| Dividend | € 143,000 | € 116,953 | € 0 | € 0 | |
| Bank debt | € 167,114 | € 149,067 | € 99,323 | € 97,057 | ▼ 2% |
| Balance sheet total | € 241,531 | € 241,541 | € 362,761 | € 316,837 | ▼ 13% |
Key figures of EP FINANCE, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to EP FINANCE?
What happened at EP FINANCE in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 2 (▼ € 175,582 vs 2024). filed late Source: NBB ↗
- Creditum BV became a director. NBB
- New establishment in Merelbeke-Melle. KBO
- Start of the company according to the CBE. KBO
In short
From € 71,042 profit in 2022 to € 2 profit in 2025.
Paid € 164,362 in corporate taxes since 2022.
Best year ever: 2024, with € 175,584 profit.
Paid out € 259,953 in dividends to the owners in total.
Management
The stake of Creditum, WAUTERS & Co comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
EP FINANCEBehind EP FINANCE is Creditum BV. The shares are held by Creditum (100%) and WAUTERS & Co (100%).
Directors
According to the 2025 annual accounts
Director
since 2025
Shareholders
100%
100%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Hundelgemsesteenweg 492 box A
9820 Merelbeke-Melle
Driekoningenplein 5
9820 Merelbeke-Melle
Active since 11 October 2017
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 1 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0682.808.536
- VAT number
- BE 0682.808.536
- Registered office
- Hundelgemsesteenweg 492 bus A, 9820 Merelbeke-Melle
- Names & denominations
- EP FINANCE
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 11 October 2017
- Peppol
- Active · Active since 10 Feb 2026