B. COPPENS
ActiveB. COPPENS has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €37k and a net result of €-5k. Equity is shrinking by ~9% per year across the filed fiscal years. Its solvency ranks better than 91% of 18237 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
62
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability10▼-16
Solvency100=
Growth58=
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 6.78 against 9.5 in 2024; short-term debt: 14.7% and cash: 11.7% of total assets), and 14.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
85.3%
Return on assets
-11%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-5k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 10-06-2026, 51 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
51 d early
2024
2 d early
2023
54 d early
2022
61 d early
2021
54 d early
2020
51 d early
2019
52 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€37k▼ 11.4%
2024 · €42k
2018: €69k
2019: €85k
2020: €87k
2021: €54k
2022: €48k
2023: €44k
2024: €42k
2018 → 2025
Total assets
€44k▼ 7.0%
2024 · €47k
2018: €79k
2019: €99k
2020: €92k
2021: €55k
2022: €49k
2023: €46k
2024: €47k
2018 → 2025
Net result
€-5k▼ 124%
2024 · €-2k
2018: €-14k
2019: €16k
2020: €2k
2021: €-33k
2022: €-6k
2023: €-4k
2024: €-2k
2018 → 2025
Working capital
€37k▼ 11.4%
2024 · €42k
2018: €68k
2019: €84k
2020: €86k
2021: €54k
2022: €48k
2023: €44k
2024: €42k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€54k-€48k▼ 10.2%€44k▼ 9.1%€42k▼ 4.8%€37k▼ 11.4%
Operating result€-33k-€-5k▲ 83.7%€-4k▲ 21.6%€-2k▲ 54.4%€-5k▼ 138%
Net result€-33k-€-6k▲ 83.1%€-4k▲ 20.6%€-2k▲ 51.3%€-5k▼ 124%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €5k in 2025 against €2k in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €44k
Equity
€37k▼ 11.4%
Debt
€6k▲ 30.1%
The debt ratio rises from 10.5% to 14.7%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
85.3%▼
2024 · 89.5%
Current ratio
6.78▼
2024 · 9.50
Quick ratio
1.86▼
2024 · 2.04
Debt / equity
0.17▲
2024 · 0.12
ROE
-12.9%▼
2024 · -5.1%
ROA
-11.0%▼
2024 · -4.6%
Debt
€6k▲
2024 · €5k
Debt ≤ 1 year
€6k▲
2024 · €5k
Income taxes
€185▲
2024 · €175
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€47k€44k▼
Current assets29/58€47k€44k▼
Stocks and contracts in progress3€37k€32k▼
Stocks30/36€37k€32k▼
Amounts receivable within one year40/41€7k€5k▼
Trade receivables40€4k-
Other amounts receivable41€3k€5k▲
Cash at bank and in hand54/58€2k€5k▲
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€47k€44k▼
Equity10/15€42k€37k▼
Contributions10/11€63k€63k=
Reserves13€56k€56k=
Non-distributable reserves130/1€6k€6k=
Reserves not available under the articles1311€6k€6k=
Distributable reserves133€49k€49k=
Profit (loss) carried forward14€-77k€-82k▼
Amounts payable17/49€5k€6k▲
Amounts payable within one year42/48€5k€6k▲
Trade debts44€4k€6k▲
Suppliers440/4€4k€6k▲
Taxes, remuneration and social security45€989€646▼
Taxes450/3€989€646▼
Income statement
Code20242025
Other operating charges640/8€352€425▲
Gross operating margin9900€-2k€-4k▼
Operating profit (loss)9901€-2k€-5k▼
Financial income75/76B€12-
Recurring financial income75€12-
Financial charges65/66B€77€92▲
Recurring financial charges65€77€92▲
Profit (loss) for the period before taxes9903€-2k€-5k▼
Income taxes67/77€175€185▲
Profit (loss) for the period9904€-2k€-5k▼
Profit (loss) for the period to be appropriated9905€-2k€-5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-77k€-82k▼
Profit (loss) brought forward from the previous period14P€-75k€-77k▼
The notes to these accounts (4 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
2026
10-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
07-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
07-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €-33k ▼1960%
Net result drops to €-33k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity times 5current ratio 84.48
Current ratio from 16.14 to 84.48; short-term debt falls from €6k to €646.
10-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Liquidity doublescurrent ratio 16.14
Current ratio from 7.00 to 16.14; short-term debt falls from €14k to €6k.
09-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €16k
Net result €16k after one loss-making year.
11-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
04-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
06-06
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, Anderlecht · 1 establishment unit since 1988
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.
Veeartsenstraat 451070 AnderlechtGround area
719 m²
Building footprint
701 m²
Volume, LiDAR
14,481 m³
Parcel 21305C0326/00L002, Brussels · tallest building 30.1 m, ±7 floors. Linked by address, not a title deed.
1 establishment unit
B. COPPENS & R. VAN DE VELDE
since 19882.041.348.271
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21305C0326/00L002 ProtectedMonument · Site or landscapeVeeartsenijschool van Kuregem en het park |
Brussels | 719 m² | 1 · 701 m² | 30.1 m · 7 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Similar companies · same sector, comparable size
NICOLAS lemmens
BE 0465.455.884
Elsene · Eq €37k
VIE DE VUE
BE 0824.176.633
Brugge · Eq €37k
MOBILIA ANTIQUA
BE 0444.364.126
Borsbeek · Eq €37k
HENRY'S HOUSE
BE 0450.706.144
Mortsel · Eq €36k
Antiques van Elsen & Cie
BE 1001.143.136
Brugge · Eq €38k
Of 1,435 companies in sector 47791 we hold annual accounts for 455. 309 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded30-11-1988
Fiscal year end31-12
Activities, NACEBEL
47791Retail sale of antiques
Sources
Crossroads Bank for EnterprisesNational Bank · 36 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.