CHOPIER
ActiveCHOPIER has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €255k and a net result of €21k. Equity is growing by ~10.5% per year across the filed fiscal years. Its solvency ranks better than 88% of 7683 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
81
/ 100
Excellent▼ -8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability41▼-7
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €21k at 30 days acceptable
Liquidity ample (current ratio 11.98 against 8.76 in 2024), and 10.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
89.1%
Return on assets
7.2%
Age of the figures
14 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 30-06-2025 was due by 31-01-2026 and was filed on 21-11-2025, 71 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
71 d early
2024
74 d early
2023
72 d early
2022
58 d late
2021
53 d early
2020
47 d early
2019
42 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close12-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€255k▲ 8.8%
2024 · €234k
2019: €126k
2020: €155k
2021: €180k
2022: €205k
2023: €212k
2024: €234k
2019 → 2025
Total assets
€286k▲ 5.9%
2024 · €270k
2019: €147k
2020: €181k
2021: €202k
2022: €217k
2023: €252k
2024: €270k
2019 → 2025
Net result
€21k▼ 8.2%
2024 · €23k
2019: €13k
2020: €30k
2021: €24k
2022: €25k
2023: €7k
2024: €23k
2019 → 2025
Working capital
€261k▲ 9.8%
2024 · €238k
2019: €126k
2020: €157k
2021: €179k
2022: €209k
2023: €209k
2024: €238k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€180k-€205k▲ 14.1%€212k▲ 3.2%€234k▲ 10.6%€255k▲ 8.8%
Operating result€30k-€41k▲ 35.7%€-224€22k€24k▲ 7.1%
Net result€24k-€25k▲ 3.9%€7k▼ 74.1%€23k▲ 243%€21k▼ 8.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 7% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €286k
Fixed assets
€1k▼ 33.4%
Current assets
€285k▲ 6.1%
Equity and liabilities €286k
Equity
€255k▲ 8.8%
Debt
€31k▼ 13.4%
The debt ratio falls from 13.4% to 10.9%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€25k▲
2024 · €23k
Cash flow
€21k▼
2024 · €23k
Solvency
89.1%▲
2024 · 86.6%
Current ratio
11.98▲
2024 · 8.76
Quick ratio
11.98▲
2024 · 8.76
Debt / equity
0.12▼
2024 · 0.15
ROE
8.1%▼
2024 · 9.6%
ROA
7.2%▼
2024 · 8.3%
Interest coverage
1.88▲
2024 · 1.64
Debt
€31k▼
2024 · €36k
Debt ≤ 1 year
€24k▼
2024 · €31k
Staff costs
€119k▲
2024 · €118k
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€270k€286k▲
Fixed assets21/28€2k€1k▼
Tangible fixed assets22/27€2k€1k▼
Furniture and vehicles24€2k€1k▼
Current assets29/58€269k€285k▲
Amounts receivable within one year40/41€137k€163k▲
Trade receivables40€74k€99k▲
Other amounts receivable41€63k€64k▲
Cash at bank and in hand54/58€132k€122k▼
Equity and liabilities
Total equity and liabilities10/49€270k€286k▲
Equity10/15€234k€255k▲
Contributions10/11€6k€6k=
Capital10€6k€6k=
Issued capital100€19k€6k▼
Uncalled capital101€12k-
Reserves13€147k€247k▲
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k€2k=
Distributable reserves133€145k€245k▲
Profit (loss) carried forward14€81k€2k▼
Amounts payable17/49€36k€31k▼
Amounts payable within one year42/48€31k€24k▼
Trade debts44€31k€20k▼
Suppliers440/4€31k€20k▼
Other amounts payable47/48-€3k
Accrued charges and deferred income492/3€6k€8k▲
Income statement
Code20242025
Remuneration, social security and pensions62€118k€119k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€612€612=
Provisions for liabilities and charges: additions (uses and reversals)635/8€6k€8k▲
Gross operating margin9900€147k€151k▲
Operating profit (loss)9901€22k€24k▲
Financial income75/76B€14k€10k▼
Recurring financial income75€14k€10k▼
Financial charges65/66B€14k€13k▼
Recurring financial charges65€14k€13k▼
Profit (loss) for the period before taxes9903€23k€21k▼
Profit (loss) for the period9904€23k€21k▼
Profit (loss) for the period to be appropriated9905€23k€21k▼
Appropriation of the result
Profit (loss) to be appropriated9906€81k€102k▲
Profit (loss) brought forward from the previous period14P€59k€81k▲
Transfer to equity691/2-€100k
To other reserves6921-€100k
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
2025
21-11
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
18-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
20-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
30-06
Financial
Weakest financial yearnet €7k ▼74.1%
Net result drops to €7k, the lowest in the series; recovery starts the following year.
30-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 58 days late
2022
30-06
Financial
Liquidity times 5current ratio 62.23
Current ratio from 13.52 to 62.23; short-term debt falls from €14k to €3k.
30-06
Financial
Equity above €200kEq €205k ▲14.1%
4 profitable years in a row build equity to €205k.
2021
09-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
15-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
30-06
Financial
Highest result since 2019net €30k ▲123%
Net result €30k, the highest in the series.
30-06
Financial
Equity above €150kEq €155k ▲23.8%
2 profitable years in a row build equity to €155k.
2019
20-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
03-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
21-12
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
23-09
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
1 director, no change since 2025
CHOPIER Simon Jean Philippe
CurrentNon-statutory director · since 12-02-2025
12-02-2025
Appointed as Non-statutory director
Location & real-estate footprint
Registered office, Aalter · 3 establishment units 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.
Weststraat 149880 AalterGround area
2.9 ha
Building footprint
4,271 m²
Volume, LiDAR
47,248 m³
3 parcels, Flanders · tallest building 27.9 m, ±5 floors. Linked by address, not a title deed.
3 establishment units
Chopier
since 20152.239.699.415
Kapellestraat 138B, 8020 Oostkamp
since 20252.380.414.246
Wingene Steenweg 64-64, 8730 Beernem
since 20252.380.414.345
3 parcels
Flanders
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31022I0695/00C000 | Flanders | 2.7 ha | 1 · 3,207 m² | 25.7 m · 5 fl. |
| 31003G0383/00A000 | Flanders | 1,404 m² | 1 · 964 m² | 27.9 m · 1 fl. |
| 44001A0415/00N000 | Flanders | 908 m² | 1 · 99 m² | 10.0 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 5 entries · 42,271 EUR awarded · 42,271 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 9,142 EUR | 9,142 EUR |
| 2024 | 2 | 10,497 EUR | 10,497 EUR |
| 2023 | 1 | 16,164 EUR | 16,164 EUR |
| 2022 | 1 | 6,468 EUR | 6,468 EUR |
Schemes
Vlaamse ondersteuningspremie (VOP) voor werkgevers (uitdovend stelsel)
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
TELE - DIFF
BE 0472.689.710
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RECLAM
BE 0897.699.762
Stabroek · Eq €255k
MAD VALLEY
BE 0668.389.386
Merchtem · Eq €255k
ASK
BE 0896.291.678
Lummen · Eq €255k
BV AMINATA
BE 0867.345.393
Sint-Pieters-Woluwe · Eq €256k
Of 9,807 companies in sector 73110 we hold annual accounts for 3,724. 2,650 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-01-2015
Fiscal year end30-06
Activities, NACEBEL
73110Advertising agencies
82990Other business support services
62020IT consultancy
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:simon.c@chopier.be
Phone:0491/562130