ACTIVE

SCHEPENS

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Financial year 2025 · closed on 31/12/2025

Net result

29,3 k €

+12.2% YoY

Gross margin

224,7 k €

+0.4% YoY

Equity

144,2 k €

+25.5% YoY

What does SCHEPENS do?

SCHEPENS is a Private company with limited liability incorporated in 2000. Its main activity is: Activities of insurance agents and brokers. Its registered office is in Leopoldsburg.

Legal situation

● Normal situation

BCE/KBO no. / VAT

BE 0471.516.406

Incorporation

27/03/2000

Legal form

Private company with limited liability

Registered office

Englebert Adanglaan 54
3970 Leopoldsburg · FlandreSee on map

Contributed capital

17 920,00 €

Latest accounts

31/12/2025

Activities (NACE)

66220Activities of insurance agents and brokers· main 66220Activities of insurance agents and brokers 67201Agents et courtiers d'assurances

Joint committees (1)

Signals

ProfitableSolid equityLow riskGood liquidityPositive cashflowPositive EBITDAHealthy social debts

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Health score

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✦ Verdict · Analyst summary

Financials

Trend over 20 financial years

	2025		2024		2023		2022		2021		2020		2019		2018		2017		2016		2015		2014		2013		2012		2011		2010		2009		2008		2007		2006
Income statement
Gross margin	224,7 k €	+0.4%	223,9 k €	+5.0%	213,2 k €	+13.4%	188,1 k €	+6.5%	176,6 k €	+11.8%	158 k €	+2.8%	153,7 k €	-12.3%	175,2 k €	+8.4%	161,7 k €	+0.1%	161,5 k €	+1.6%	159 k €	-0.0%	159 k €	-12.6%	182 k €	+18.4%	153,7 k €	+123%	68,8 k €	+0.9%	68,2 k €	+18.0%	57,8 k €	+45.9%	39,6 k €	-18.0%	48,3 k €	+2.6%	47,1 k €
EBITDA	53,9 k €	+8.6%	49,6 k €	-27.7%	68,6 k €	+190%	23,7 k €	+57.6%	15 k €	-56.3%	34,3 k €	-15.1%	40,5 k €	+15.7%	35 k €	+91.4%	18,3 k €	-45.6%	33,6 k €	+104%	16,4 k €	-52.8%	34,8 k €	-66.0%	102,2 k €	+25.3%	81,6 k €	+104%	40 k €	-11.3%	45,1 k €	+20.0%	37,6 k €	+84.8%	20,3 k €	-32.4%	30,1 k €	+5.7%	28,4 k €
Operating result	45,1 k €	+8.6%	41,5 k €	-30.8%	60 k €	+240%	17,6 k €	+5306%	326,3 €	-98.3%	19,3 k €	+107%	9,3 k €	+307%	2,3 k €	+115%	-15,1 k €	-1520%	1,1 k €	+106%	-16,9 k €	-1134%	1,6 k €	-97.7%	69,7 k €	+41.5%	49,2 k €	+223%	15,2 k €	-41.7%	26,1 k €	-8.0%	28,4 k €	+110%	13,5 k €	-42.6%	23,6 k €	+306%	5,8 k €
Net result	29,3 k €	+12.2%	26,1 k €	-35.9%	40,7 k €	+279%	10,8 k €	+424%	-3,3 k €	-131%	10,8 k €	+548%	1,7 k €	+118%	-9,3 k €	+55.1%	-20,7 k €	-103%	-10,2 k €	-35.5%	-7,5 k €	+1.3%	-7,6 k €	-120%	38,9 k €	+62.1%	24 k €	+5637%	418,5 €	-95.4%	9,1 k €	-18.3%	11,2 k €	+256%	3,1 k €	+145%	-6,9 k €	-875%	-712,7 €
Balance sheet
Equity	144,2 k €	+25.5%	115 k €	+29.4%	88,8 k €	+84.6%	48,1 k €	+28.8%	37,4 k €	-8.2%	40,7 k €	+35.9%	29,9 k €	+5.9%	28,3 k €	-24.7%	37,6 k €	-35.5%	58,2 k €	-14.9%	68,4 k €	-9.9%	75,9 k €	-9.1%	83,5 k €	+82.0%	45,9 k €	+110%	21,9 k €	+2.0%	21,5 k €	+73.9%	12,3 k €	+957%	1,2 k €	+159%	-2 k €	-140%	5 k €
Total assets	220,2 k €	+1.9%	216 k €	+6.8%	202,3 k €	+20.5%	167,9 k €	+24.4%	135 k €	-14.9%	158,6 k €	-0.8%	159,8 k €	-17.5%	193,7 k €	-11.4%	218,7 k €	-8.0%	237,6 k €	-13.4%	274,3 k €	+6.1%	258,5 k €	-9.4%	285,3 k €	+9.2%	261,3 k €	+16.7%	223,8 k €	-6.1%	238,4 k €	+41.2%	168,9 k €	+14.4%	147,6 k €	+306%	36,4 k €	+5.1%	34,6 k €
Cash	76,5 k €	+34.4%	56,9 k €	+11.9%	50,8 k €	+185%	17,8 k €	+611%	2,5 k €	-78.1%	11,5 k €	+52.8%	7,5 k €	+72.2%	4,4 k €	+410%	853,8 €	-97.6%	35,3 k €	+5244%	660,5 €	-98.1%	34,2 k €	-46.6%	64,1 k €	+280%	16,8 k €	+4731%	348,7 €	-92.4%	4,6 k €	+49.7%	3,1 k €	-65.2%	8,8 k €		–		488,6 €
Debts	75,9 k €	-20.3%	95,2 k €	-13.6%	110,2 k €	-5.9%	117,2 k €	+21.6%	96,4 k €	-17.4%	116,7 k €	-9.6%	129 k €	-20.2%	161,6 k €	-10.4%	180,4 k €	+2.4%	176,1 k €	-14.3%	205,3 k €	+12.9%	181,9 k €	-9.3%	200,6 k €	-6.1%	213,8 k €	+6.9%	200 k €	-7.6%	216,4 k €	+38.7%	156 k €	+6.7%	146,2 k €	+281%	38,3 k €	+31.5%	29,2 k €
Other
Workforce	–		–		–		–		–		–		–		–		–		–		3,7 ETP	+23.3%	3,0 ETP	+30.4%	2,3 ETP	+21.1%	1,9 ETP	+171%	0,7 ETP	+40.0%	0,5 ETP	0.0%	0,5 ETP	0.0%	0,5 ETP	0.0%	0,5 ETP	0.0%	0,5 ETP

Estimate

Indicative valuation

As an indication, this company is worth

between 250 k€ and 500 k€

See the valuation

Governance

Board of directors

Seen on filing of 31/12/2025 · 1 active · 2 ended

Active mandates

Benny Schepens

Manager

Active

Ended mandates

Benny Schepens

Director

Ended

Michel Schepens

Manager

Ended

Annual accounts

Full financial information

	2025	2024	2023	2022	2021	2020
Type of account	Micro model	Micro model	Micro model	Micro model	Micro model	Micro model
Start of the financial year	01/01/2025	01/01/2024	01/01/2023	01/01/2022	01/01/2021	01/01/2020
Closing of the financial year	31/12/2025	31/12/2024	31/12/2023	31/12/2022	31/12/2021	31/12/2020
Length of the financial year	12 months	12 months	12 months	12 months	12 months	12 months
Filing date	25/08/2026	22/11/2025	22/10/2024	30/10/2023	30/09/2022	15/11/2021
General meeting	15/05/2026	16/05/2025	17/05/2024	19/05/2023	20/05/2022	21/05/2021
Currency of the financial year	EUR	EUR	EUR	EUR	EUR	EUR
NBB quality label	Satisfying controls	Satisfying controls	Satisfying controls	Satisfying controls	Satisfying controls	Satisfying controls

Ratios

Financial ratios

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Filings

Annual accounts filings

20 filings with the NBB

Model	Closing	General meeting	Filed	Language	Document
Micro model	31/12/2025	15/05/2026	25/08/2026	Dutch	PDF
Micro model	31/12/2024	16/05/2025	22/11/2025	Dutch	PDF
Micro model	31/12/2023	17/05/2024	22/10/2024	Dutch	PDF
Micro model	31/12/2022	19/05/2023	30/10/2023	Dutch	PDF
Micro model	31/12/2021	20/05/2022	30/09/2022	Dutch	PDF
Micro model	31/12/2020	21/05/2021	15/11/2021	Dutch	PDF
Micro model	31/12/2019	15/05/2020	13/11/2020	Dutch	PDF
Micro model	31/12/2018	17/05/2019	31/08/2019	Dutch	PDF
Micro model	31/12/2017	18/05/2018	29/08/2018	Dutch	PDF
Micro model	31/12/2016	19/05/2017	26/09/2017	Dutch	PDF
Abridged model	31/12/2015	20/05/2016	30/08/2016	Dutch	PDF
Abridged model	31/12/2014	15/05/2015	30/09/2015	Dutch	PDF
Abridged model	31/12/2013	16/05/2014	31/08/2014	Dutch	PDF
Abridged model	31/12/2012	17/05/2013	08/10/2013	Dutch	PDF
Abridged model	31/12/2011	18/05/2012	26/09/2012	Dutch	PDF
Abridged model	31/12/2010	20/05/2011	08/08/2011	Dutch	PDF
Abridged model	31/12/2009	21/05/2010	29/09/2010	Dutch	PDF
Abridged model	31/12/2008	15/05/2009	11/03/2010	Dutch	PDF
Abridged model	31/12/2007	16/05/2008	31/03/2009	Dutch	PDF
Abridged model	31/12/2006	18/05/2007	18/09/2007	Dutch	PDF

Estimate

Indicative valuation

Order of magnitude

As an indication, this company is worth

between 250 k€ and 500 k€

The detail comes with the Business plan: low and high bounds, the valuation bridge for each financial year, transaction multiples by sector and size, group valuation and exports.

Discover the Business plan

Disclaimer

Indicative estimate based on public sector multiples and the filed annual accounts. It is neither a certified valuation nor financial or investment advice.

Governance

Board of directors

Seen on filing of 31/12/2025 · 1 active · 2 ended

Active mandates

Benny Schepens

Manager

Active

Ended mandates

Benny Schepens

Director

Ended

Michel Schepens

Manager

Ended

Shareholders

Ownership and network

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Belgian Official Gazette

Belgian Official Gazette publications

Other17/05/2018
DOEL - STATUTEN (VERTALING, COÖRDINATIE, OVERIGE WIJZIGINGEN, )
PDF
Capital / shares24/01/2014
KAPITAAL - AANDELEN - STATUTEN (VERTALING, COÖRDINATIE, OVERIGE WIJZIGINGEN, )
PDF
Mandates27/04/2012
ONTSLAGEN - BENOEMINGEN
PDF
Other23/12/2004
DIVERSEN
PDF
Registered office02/07/2003
MAATSCHAPPELIJKE ZETEL
PDF
Registered office23/09/2002
MAATSCHAPPELIJKE ZETEL
PDF

Source: Belgian Official Gazette

Competition

Similar companies

A company's peers, by sector and size, are included in the Business plan.

See the Business plan

2025
Annual accounts 202529,3 k €↑
2024
Annual accounts 202426,1 k €↓
2023
Annual accounts 202340,7 k €↑
2022
Annual accounts 202210,8 k €↑
2021
Annual accounts 2021-3,3 k €↓
2020
Annual accounts 202010,8 k €↑
2019
Annual accounts 20191,7 k €↑
2018
Annual accounts 2018-9,3 k €↑
2017
Annual accounts 2017-20,7 k €↓
2016
Annual accounts 2016-10,2 k €↓
2015
Annual accounts 2015-7,5 k €↑
2014
Annual accounts 2014-7,6 k €↓
2013
Annual accounts 201338,9 k €↑
2012
Annual accounts 201224 k €↑
2011
Annual accounts 2011418,5 €↓
2010
Annual accounts 20109,1 k €↓
2009
Annual accounts 200911,2 k €↑
2008
Annual accounts 20083,1 k €↑
2007
Annual accounts 2007-6,9 k €↓
2006
Annual accounts 2006-712,7 €
27/03/2000
IncorporationPrivate company with limited liability

10/15	1 240 000	1 180 000	1 050 000
70	8 630 000	8 120 000	7 940 000
9904	412 000	388 000	301 000
17/49	2 970 000	3 140 000	3 380 000
9087	24,3	23,1	21,8

SCHEPENS

Overview

What does SCHEPENS do?

Trend over 20 financial years

Indicative valuation

Board of directors

Financials

Full financial information

Financial ratios

Annual accounts filings

Valuation

Indicative valuation

Directors & structure

Board of directors

Ownership and network

Publications

Belgian Official Gazette publications

Similar companies

Similar companies

Timeline