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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Busy address KBO
84 other companies have their registered office at the same address; threshold 10.
Financials
Financial year 2025
EPBF from Watermaal-Bosvoorde, company number BE0837808497, closed financial year 2025 with a result of € -44,347 after tax. For that financial year EPBF recorded revenue of € 709,511 and equity of € 12.3 million. Compared with financial year 2024, the result moved from € 202,518 to € -44,347. The company made a loss. The company holds a healthy buffer. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on June 17, 2026.
€ 12.3 million
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -44,347
▼ still € 202,518 profit in 2024
Profit after tax over the fiscal year.
€ 1.9 million
▲ 46% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € 5.3 million.
People and assets in 2025
1
Average over the fiscal year, from the social balance sheet.
€ 152,032
▲ 10% vs 2024
€ 152,000 per full-time equivalent. Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
Debts at end 2025
None
No bank loans on the last day of the fiscal year.
€ 132,517
▲ 4% vs 2024
Supplier invoices still open on the last day of the fiscal year. Pays suppliers within 60 days on average.
€ 46,657
▼ 5% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Revenue | € 1,250,190 | € 1,148,708 | € 972,362 | € 709,511 | ▼ 27% |
| Profit after taxes | € 85,377 | € 225,259 | € 202,518 | € -44,347 | ▼ € 246,865 |
| Equity | € 12,125,128 | € 12,237,757 | € 12,339,016 | € 12,294,669 | |
| Total debts | € 827,992 | € 673,353 | € 926,390 | € 1,421,568 | ▲ 53% |
| Cash | € 11,511,318 | € 800,788 | € 1,325,905 | € 1,936,809 | ▲ 46% |
| Retained profit | € 5,125,128 | € 5,237,757 | € 5,339,016 | € 5,294,669 | ▼ 1% |
| Dividend | € 0 | € 112,629 | € 101,259 | € 0 | ▼ 100% |
| Balance sheet total | € 12,953,120 | € 12,911,110 | € 13,265,406 | € 13,716,237 | ▲ 3% |
| Employees (FTE) | 1 | 1 | 1 | 1 |
Key figures of EPBF, 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 EPBF?
What happened at EPBF in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- Bertrand Roux stepped down as director. NBB
- Agnès Ciron-Cavoizy stepped down as director. NBB
- Simone Teixeira de Oliveira stepped down as director. NBB
- Nathalie Betting stepped down as director. NBB
- Steve Gentili stepped down as director. NBB
- Patrick Vercauteren Drubbel stepped down as director. NBB
- New annual accounts for financial year 2025: loss of € 44,347 (▼ € 246,865 vs 2024). Source: NBB ↗
- Agnès Ciron-Cavoizy became a director. NBB
In short
From € 85,377 profit in 2022 to € 44,347 loss in 2025.
Paid € 176,918 in corporate taxes since 2022.
Best year ever: 2023, with € 225,259 profit.
Paid out € 213,888 in dividends to the owners in total.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
The shares are held by NJR Invest SA (99%) and Cofeg SA (1%).
Directors
According to the 2025 annual accounts
Bertrand Roux
Director
since 2024 · until 2029
since 2025 · until 2029
since 2023 · until 2028
Simone Teixeira de Oliveira
Director
since 2024 · until 2029
since 2024 · until 2025
Patrick Vercauteren Drubbel
Director
Also active at: COMPAGNIE FINANCIERE DE LA CASCADE, IRR INVEST, NJR INVEST
since 2023 · until 2028
Nathalie Betting
Director
since 2024 · until 2029
Shareholders
99%
Cofeg SA
1%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Terhulpsesteenweg 181
1170 Watermaal-Bosvoorde
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 84 companies are registered at this address.
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What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0837.808.497
- VAT number
- BE 0837.808.497
- Registered office
- Terhulpsesteenweg 181, 1170 Watermaal-Bosvoorde
- Names & denominations
- EPBF
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 12 July 2011
- Peppol
- Active · Active since 16 Jan 2026
- Activities · NACE
Overige financiële dienstverlening, neg