COOPCYCLETTE
ActiveCOOPCYCLETTE has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €18k and a net result of €28k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 34% of 18237 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
77
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability96▲+12
Solvency41▲+29
Growth78=
Track record94
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 5.19 against 2.43 in 2024; short-term debt: 17.1% and cash: 47.2% of total assets), but 84.5% 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
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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 →
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
15.5%
Return on assets
23.9%
Age of the figures
9 mo
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 03-07-2026, 28 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
28 d early
2024
26 d late
2023
29 d late
2022
29 d late
← 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
Turnover
€180k
EBIT margin
15.2%
Net result
€28k▲ 235%
2024 · €8k
2022: €-21k
2023: €-16k
2024: €8k
2022 → 2025
Working capital
€83k▲ 189%
2024 · €29k
2022: €11k
2023: €-18k
2024: €29k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Turnover€180k
Equity€-11k-€-26k▼ 146%€-9k▲ 66.5%€18k
Operating result€-20k-€-14k▲ 30.3%€9k€27k▲ 197%
Net result€-21k-€-16k▲ 24.4%€8k€28k▲ 235%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen three years in a row; 2025 is 197% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €116k
Fixed assets
€13k▼ 32.0%
Current assets
€103k▲ 111%
Equity and liabilities €116k
Equity
€18k
Provisions
€6k
Debt
€92k
Debt finances 79.7% of the balance-sheet total.
Key figures and ratios
EBITDA
€32k▲
2024 · €13k
Cash flow
€32k▲
2024 · €12k
Solvency
15.5%▲
2024 · -13.0%
Current ratio
5.19▲
2024 · 2.43
Quick ratio
3.61▲
2024 · 1.26
Debt / equity
5.14▲
2024 · -8.05
ROE
154.3%
ROA
23.9%▲
2024 · 12.2%
Interest coverage
30.15▲
2024 · 8.35
Debt
€92k▲
2024 · €71k
Debt ≤ 1 year
€20k▼
2024 · €20k
Debt > 1 year
€40k▼
2024 · €51k
Staff costs
€2k▲
2024 · €208
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€68k€116k▲
Fixed assets21/28€19k€13k▼
Tangible fixed assets22/27€19k€13k▼
Furniture and vehicles24€10k€8k▼
Other tangible fixed assets26€8k€5k▼
Financial fixed assets28€260€0▼
Current assets29/58€49k€103k▲
Stocks and contracts in progress3€23k€31k▲
Stocks30/36€23k€31k▲
Amounts receivable within one year40/41€13k€14k▲
Trade receivables40€8k€8k▲
Other amounts receivable41€6k€6k▲
Cash at bank and in hand54/58€10k€55k▲
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€68k€116k▲
Equity10/15€-9k€18k▲
Contributions10/11€15k€15k=
Profit (loss) carried forward14€-28k€-411▲
Investment grants15€4k€3k▼
Provisions and deferred taxes16€6k€6k=
Provisions for liabilities and charges160/5€6k€6k=
Other liabilities and charges164/5€6k€6k=
Amounts payable17/49€71k€92k▲
Amounts payable after more than one year17€51k€40k▼
Financial debts170/4€51k€1k▼
Trade debts175-€39k
Amounts payable within one year42/48€20k€20k▼
Current portion of amounts payable after more than one year42€13k€11k▼
Trade debts44€3k€4k▲
Suppliers440/4€3k€4k▲
Taxes, remuneration and social security45€4k€5k▲
Taxes450/3€4k€5k▲
Remuneration and social security454/9-€427
Other amounts payable47/48€4€4=
Accrued charges and deferred income492/3-€33k
Income statement
Code20242025
Turnover70-€180k
Non-recurring operating income76A-€2k
Goods, raw materials, services and sundry goods60/61-€145k
Remuneration, social security and pensions62€208€2k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€5k▲
Provisions for liabilities and charges: additions (uses and reversals)635/8€6k-
Other operating charges640/8€1k€2k▲
Gross operating margin9900€20k€37k▲
Operating profit (loss)9901€9k€27k▲
Financial income75/76B€599€1k▲
Recurring financial income75€599€1k▲
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€8k€28k▲
Profit (loss) for the period9904€8k€28k▲
Profit (loss) for the period to be appropriated9905€8k€28k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-28k€-411▲
Profit (loss) brought forward from the previous period14P€-36k€-28k▲
The notes to these accounts (12 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
03-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2022net €28k ▲235%
Operating result €27k, net result €28k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 5.19
Current ratio from 2.43 to 5.19; short-term debt falls from €20k to €20k.
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
31-12
Financial
Back to profitnet €8k
Net result €8k after 2 loss-making years.
31-12
Financial
Liquidity triplescurrent ratio 2.43
Current ratio from 0.73 to 2.43; short-term debt falls from €65k to €20k.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Namur · 1 establishment unit since 2022
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.
Rue Mottiaux(JB) 115100 NamurGround area
1,654 m²
Building footprint
99 m²
Volume, LiDAR
841 m³
2 parcels, Wallonia · tallest building 11.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
CoopCyclette
since 20222.331.739.943
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92302E0062/00P000 | Wallonia | 1,516 m² | 1 · 46 m² | 11.7 m · 2 fl. |
| 92322G0508/00_000 | Wallonia | 138 m² | 1 · 53 m² | 10.9 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteNamur2.331.739.943
Parcel delivery
Notified to the BIPT
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LE MAG
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GOVAERTS
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Of 1,467 companies in sector 47632 we hold annual accounts for 733. 342 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formCooperative company
Founded16-05-2022
Fiscal year end31-12
Activities, NACEBEL
47632Retail sale of bicycles
95290Repair and maintenance of other personal and household goods
52250Logistics services
53200Other postal and courier activities
77210Renting and leasing of sports and recreation goods
Sources
Crossroads Bank for EnterprisesNational Bank · 4 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.
Contact details
2 entriesWebsite:www.coopcyclette.be
E-mail:coop@lesateliersdelabicyclette.be