CoopHub.EU

Active

Europese Coöperatieve Vennootschapfounded 20205 yrs activeRue des Capucins 41, 6700 Arlon, BelgiumKBO/BCE: BE 0758.946.905

For the legal form of CoopHub.EU, Checked does not compute a bankruptcy probability. The 2025 annual accounts show equity of €420k and a net result of €20k. Equity is growing by ~3.4% per year across the filed fiscal years. Its solvency ranks better than 82% of 31584 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

94 / 100

Excellent▲ +30 vs 2024

The score weighs solvency, liquidity, profitability and financial development. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability74▲+24

Solvency100▲+6

Growth78▲+46

Track record94

Credit verdict

Credit up to €35k at 30 days acceptable

Liquidity ample (current ratio 4.24 against 0.75 in 2024; short-term debt: 10.6% and cash: 35.5% of total assets), and 15.4% of the assets are financed with debt.

How do we compute this score?

Credit advice for your own amount and term

Signals

Three signals. The signal on the left, the evidence on the right.

○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 11-06-2026, 50 days ahead of the deadline.

NBB · 5 filings

Deviation from the deadline

2025

50 d early

2024

61 d late

2023

30 d late

2022

49 d early

2021

30 d late

← before the deadline after the deadline →

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 months

Position in the running window

19-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€420k▲ 74.2%

2024 · €241k

2021: €274k 2022: €227k 2023: €237k 2024: €241k

2021 → 2025

Total assets

€496k▲ 42.7%

2024 · €348k

2021: €313k 2022: €276k 2023: €366k 2024: €348k

2021 → 2025

Net result

€20k

2024 · €-53k

2021: €-41k 2022: €-47k 2023: €-55k 2024: €-53k

2021 → 2025

Working capital

€170k

2024 · €-19k

2021: €118k 2022: €27k 2023: €-5k 2024: €-19k

2021 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€274k-€227k▼ 17.1%€237k▲ 4.3%€241k▲ 1.8%€420k▲ 74.2%

Operating result€-41k-€-46k▼ 11.0%€-54k▼ 18.5%€-53k▲ 2.2%€11k

Net result€-41k-€-47k▼ 13.3%€-55k▼ 18.5%€-53k▲ 3.8%€20k

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result returns to profit in 2025: €11k after a loss of €53k in 2024, the highest result in the available series.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €496k

55.1%

44.9%

Fixed assets €273k▼ 5.9%

Current assets €223k▲ 300%

Equity and liabilities €496k

84.6%

15.4%

Equity €420k▲ 74.2%

Debt €77k▼ 28.3%

The debt ratio falls from 30.7% to 15.4%. Equity is higher and debt is lower.

Key figures and ratios

2025 value · change against 2024

EBITDA

€112k▲

2024 · €34k

Cash flow

€122k▲

2024 · €34k

Solvency

84.6%▲

2024 · 69.3%

Current ratio

4.24▲

2024 · 0.75

Quick ratio

4.24▲

2024 · 0.75

Debt / equity

0.18▼

2024 · 0.44

ROE

4.9%▲

2024 · -22.1%

ROA

4.1%▲

2024 · -15.3%

Interest coverage

66.43▲

2024 · 18.32

Debt

€77k▼

2024 · €107k

Debt ≤ 1 year

€53k▼

2024 · €75k

Debt > 1 year

€24k▼

2024 · €32k

Income taxes

€349▲

2024 · €163

Staff costs

€129k▲

2024 · €106k

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€348k€496k▲

Formation expenses20€2k€0▼

Fixed assets21/28€290k€273k▼

Intangible fixed assets21€290k€272k▼

Tangible fixed assets22/27€703€2k▲

Furniture and vehicles24€703€2k▲

Financial fixed assets28€175€175=

Current assets29/58€56k€223k▲

Amounts receivable within one year40/41€38k€39k▲

Trade receivables40€10k€39k▲

Other amounts receivable41€27k-

Cash at bank and in hand54/58€17k€176k▲

Deferred charges and accrued income490/1€1k€8k▲

Equity and liabilities

Total equity and liabilities10/49€348k€496k▲

Equity10/15€241k€420k▲

Contributions10/11€380k€550k▲

Profit (loss) carried forward14€-197k€-176k▲

Investment grants15€57k€46k▼

Amounts payable17/49€107k€77k▼

Amounts payable after more than one year17€32k€24k▼

Trade debts175€32k€24k▼

Amounts payable within one year42/48€75k€53k▼

Financial debts43€804€888▲

Credit institutions430/8€804€888▲

Trade debts44€52k€39k▼

Suppliers440/4€52k€39k▼

Advances received on contracts in progress46€126-

Taxes, remuneration and social security45€21k€13k▼

Taxes450/3€257€371▲

Remuneration and social security454/9€21k€12k▼

Accrued charges and deferred income492/3€66€67▲

Income statement Code20242025

Remuneration, social security and pensions62€106k€129k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€87k€102k▲

Other operating charges640/8€741€754▲

Gross operating margin9900€141k€242k▲

Operating profit (loss)9901€-53k€11k▲

Financial income75/76B€2k€12k▲

Recurring financial income75€2k€12k▲

Financial charges65/66B€2k€2k▼

Recurring financial charges65€2k€2k▼

Profit (loss) for the period before taxes9903€-53k€21k▲

Income taxes67/77€163€349▲

Profit (loss) for the period9904€-53k€20k▲

Profit (loss) for the period to be appropriated9905€-53k€20k▲

Appropriation of the result

Profit (loss) to be appropriated9906€-197k€-176k▲

Profit (loss) brought forward from the previous period14P€-143k€-197k▼

The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Download as CSV

Timeline · acts, filings and financial milestones

All 9Financial 3Gazette 1Filings 5

Next filing, fiscal year 2026, expected by 31-07-2027

2026

10-08

State Gazette act Resignations & appointments

General meeting · Share transfer · Member admission8 facts ▸

General meeting, 19/11/2025
General meeting, 13/05/2026
Share transfer, Wipus → Productivity 5
Member admission, Enercoop
Member admission, Cociter
Director appointment, Catherine El Arouni (administrateur)
Director appointment, Mario Heukemes (administrateur)
Permanent representative, Olivier Pesesse

11-06

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

31-12

Financial Back to profitnet €20k

Net result €20k after 4 loss-making years.

31-12

Financial Liquidity times 6current ratio 4.24

Current ratio from 0.75 to 4.24; short-term debt falls from €75k to €53k.

30-09

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 61 days late

2024

30-08

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 30 days late

2023

31-12

Financial Weakest financial yearnet €-55k

Net result drops to €-55k, the lowest in the series; recovery starts the following year.

12-06

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

30-08

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 30 days late

Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

3 directors, no change since 2026

Catherine El Arouni

Director · since 13-05-2026

Current

Mario Heukemes

Director · since 13-05-2026

Current

13-05-2026 Catherine El Arouni: Appointed as Director

13-05-2026 Mario Heukemes: Appointed as Director

28-10-2025 Roger Bourgeois: Resigned as Director

Location & real-estate footprint

Registered office, Arlon · 1 establishment unit since 2020

establishment The establishment unit on the map

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 des Capucins 416700 Arlon

Ground area

100 m²

Building footprint

33 m²

Volume, LiDAR

443 m³

Parcel 81001A0283/00_000, Wallonia · tallest building 14.6 m, ±5 floors. Linked by address, not a title deed.

1 establishment unit

CoopHub.EU

Rue des Capucins 41, 6700 ArlonOther software publishing

since 20202.310.540.988

1 parcel

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
81001A0283/00_000	Wallonia	100 m²	1 · 33 m²	14.6 m · 5 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.

Structure & network

Capital and shareholders

Transfer of shares from Wipus (BE 0899.187.426) to Productivity 5 (BE 0798.082.940)

From the act

“La SRL Wipus ... a cédé ses parts A à la SRL Productivity 5”

State Gazette act of 10-08-2026

Similar companies · same sector, comparable size

Oudenaarde · Eq €420k

ONCOLOGX

BE 0862.775.606

Wuustwezel · Eq €420k

Puurs-Sint-Amands · Eq €420k

Of 82,554 companies in sector 70200 we hold annual accounts for 52,573. 36,017 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formEuropese Coöperatieve Vennootschap

Founded01-12-2020

Fiscal year end31-12

Activities, NACEBEL

62020IT consultancy

62200Computer consultancy and computer facilities management

70200Business and other management consultancy

70220Business consulting

69109Other legal services

70210Activities of head offices; management consultancy activities

73300Public relations and communication consultancy

82990Other business support services

85592Vocational training

Sources

Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers

Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.