COOPLAN
ActiveSummary
COOPLAN has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€13,107) and a net result of -€27,796. Equity is shrinking by ~16.2% per year across the filed fiscal years. Its solvency ranks better than 5% of 31896 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency0▼-67
Growth32=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.11 against 2.18 in 2024; short-term debt: 168.2% and cash: 0.1% of total assets), and equity is negative.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← 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
-68.2%
Return on assets
-144.5%
Age of the figures
9 mo
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year -€13,107
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 08-09-2026, 39 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
39 d late
2024
7 d early
2023
30 d early
2022
27 d early
2021
31 d early
2020
19 d late
2019
31 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 10 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.
Checked, nothing found (2)
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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
-€13,107
2024 · €14,688
Total assets
€19,231▼ 45.5%
2024 · €35,274
Net result
-€27,796▼ 7.3%
2024 · -€25,911
Working capital
-€28,681
2024 · €9,801
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€9,283€7,414▼ 20.1%€3,452▼ 53.4%-€24,298-€24,654▼ 1.5%
Net result€8,463within the sector's middle half€5,509within the sector's middle half▼ 34.9%€1,472below the sector's middle half▼ 73.3%-€25,911below the sector's middle half-€27,796below the sector's middle half▼ 7.3%
Equity€52,941within the sector's middle half▲ 19.0%€58,450within the sector's middle half▲ 10.4%€40,599within the sector's middle half▼ 30.5%€14,688below the sector's middle half▼ 63.8%-€13,107below the sector's middle half
Total assets€75,996below the sector's middle half▲ 8.9%€74,995below the sector's middle half▼ 1.3%€61,680below the sector's middle half▼ 17.8%€35,274below the sector's middle half▼ 42.8%€19,231below the sector's middle half▼ 45.5%
Debt€23,055▼ 8.9%€16,544▼ 28.2%€21,080▲ 27.4%€20,585▼ 2.3%€32,338▲ 57.1%
Working capital€17,548▲ 174%€23,310▲ 32.8%€18,591▼ 20.2%€9,801▼ 47.3%-€28,681
Solvency69.7%within the sector's middle half▲ 5.9pp77.9%above the sector's middle half▲ 8.3pp65.8%within the sector's middle half▼ 12.1pp41.6%within the sector's middle half▼ 24.2pp-68.2%below the sector's middle half▼ 109.8pp
above
within
below
the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings.
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 €24,654 in 2025 against €24,298 in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €19,231
Fixed assets
€15,574 ▼ 9.3%
Current assets
€3,657 ▼ 79.8%
Key figures and ratios
EBITDA
-€19,737▼
2024 · -€14,097
Cash flow
-€22,879▼
2024 · -€15,709
Current ratio
0.11▼
2024 · 2.18
Debt to equity
-2.47▼
2024 · 1.40
ROA
-144.5%▼
2024 · -73.5%
Interest coverage
-8.69▲
2024 · -8.86
Debt ≤ 1 year
€32,338▲
2024 · €8,296
Income taxes
€870▲
2024 · €490
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,943 companies that looked in July 2024 the way this one looks now, 5.5% went bankrupt within 24 months and 85% are still going.
- Micro
- 10 to 20 years old
- negative equity
- a loss of 10% of the balance sheet or more
5.5%
went bankrupt
8.1%
stopped otherwise
85%
still going
A further 1.5% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 0.4% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 6,943 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | €4,751 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €12,169 | €10,963 | €14,591 | €10,201 | €4,917 | ▼ 51.8% |
| Other operating charges640/8 | €1,593 | €2,203 | €2,510 | €1,433 | €1,230 | ▼ 14.2% |
| Gross operating margin9900 | €23,045 | €20,579 | €20,553 | -€12,664 | -€18,508 | ▼ 46.1% |
| Operating profit (loss)9901 | €9,283 | €7,414 | €3,452 | -€24,298 | -€24,654 | ▼ 1.5% |
| Financial income75/76B | €59 | €621 | €467 | €469 | €0 | ▼ 100.0% |
| Recurring financial income75 | €59 | €621 | €467 | €469 | €0 | ▼ 100.0% |
| Financial charges65/66B | €328 | €338 | €330 | €1,592 | €2,271 | ▲ 42.7% |
| Recurring financial charges65 | €328 | €338 | €330 | €1,592 | €2,271 | ▲ 42.7% |
| Profit (loss) for the period before taxes9903 | €9,014 | €7,696 | €3,590 | -€25,420 | -€26,926 | ▼ 5.9% |
| Income taxes67/77 | €552 | €2,187 | €2,118 | €490 | €870 | ▲ 77.5% |
| Profit (loss) for the period9904 | €8,463 | €5,509 | €1,472 | -€25,911 | -€27,796 | ▼ 7.3% |
| Profit (loss) for the period to be appropriated9905 | €8,463 | €5,509 | €1,472 | -€25,911 | -€27,796 | ▼ 7.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €75,996 | €74,995 | €61,680 | €35,274 | €19,231 | ▼ 45.5% |
| Fixed assets21/28 | €42,234 | €40,856 | €30,545 | €17,177 | €15,574 | ▼ 9.3% |
| Tangible fixed assets22/27 | €42,234 | €40,856 | €30,545 | €17,177 | €15,574 | ▼ 9.3% |
| Land and buildings22 | €22,977 | €18,327 | €13,677 | €9,027 | €7,529 | ▼ 16.6% |
| Plant, machinery and equipment23 | €8,936 | €6,149 | €7,176 | €4,722 | €2,895 | ▼ 38.7% |
| Furniture and vehicles24 | €2,466 | €9,016 | €9,692 | €3,428 | €5,150 | ▲ 50.2% |
| Leasing and similar rights25 | €7,855 | €7,364 | - | - | - | - |
| Current assets29/58 | €33,762 | €34,139 | €31,134 | €18,097 | €3,657 | ▼ 79.8% |
| Amounts receivable within one year40/41 | €24,073 | €22,486 | €17,426 | €9,296 | €236 | ▼ 97.5% |
| Trade receivables40 | €16,044 | €10,282 | €7,959 | - | - | - |
| Other amounts receivable41 | €8,029 | €12,204 | €9,467 | €9,296 | €236 | ▼ 97.5% |
| Cash at bank and in hand54/58 | €8,005 | €9,540 | €10,753 | €5,764 | €11 | ▼ 99.8% |
| Deferred charges and accrued income490/1 | €1,684 | €2,114 | €2,956 | €3,037 | €3,411 | ▲ 12.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €75,996 | €74,995 | €61,680 | €35,274 | €19,231 | ▼ 45.5% |
| Equity10/15 | €52,941 | €58,450 | €40,599 | €14,688 | -€13,107 | ▼ 189% |
| Contributions10/11 | €18,600 | €18,600 | €20,460 | €20,460 | €20,460 | = |
| Reserves13 | €25,739 | €25,739 | €4,556 | €4,556 | €4,556 | = |
| Non-distributable reserves130/1 | €1,860 | €1,860 | - | - | - | - |
| Reserves not available under the articles1311 | €1,860 | €1,860 | - | - | - | - |
| Distributable reserves133 | €23,879 | €23,879 | €4,556 | €4,556 | €4,556 | = |
| Profit (loss) carried forward14 | €8,602 | €14,112 | €15,583 | -€10,327 | -€38,123 | ▼ 269% |
| Amounts payable17/49 | €23,055 | €16,544 | €21,080 | €20,585 | €32,338 | ▲ 57.1% |
| Amounts payable after more than one year17 | €6,840 | €3,682 | - | - | - | - |
| Financial debts170/4 | €6,840 | €3,682 | - | - | - | - |
| Amounts payable within one year42/48 | €16,214 | €10,829 | €12,543 | €8,296 | €32,338 | ▲ 290% |
| Current portion of amounts payable after more than one year42 | €3,391 | €3,159 | - | - | - | - |
| Trade debts44 | €6,850 | €1,901 | €9,300 | €4,068 | €6,024 | ▲ 48.1% |
| Suppliers440/4 | €6,850 | €1,901 | €9,300 | €4,068 | €6,024 | ▲ 48.1% |
| Taxes, remuneration and social security45 | €5,323 | €5,120 | €2,593 | €3,579 | €1,397 | ▼ 61.0% |
| Taxes450/3 | €5,323 | €5,120 | €2,593 | €3,579 | €1,397 | ▼ 61.0% |
| Other amounts payable47/48 | €650 | €650 | €650 | €650 | €24,918 | ▲ 3,734% |
| Accrued charges and deferred income492/3 | - | €2,033 | €8,537 | €12,289 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €8,463 | €5,509 | €1,472 | -€25,911 | -€27,796 | ▼ 7.3% |
| + Depreciation and write-downs630 | €12,169 | €10,963 | €14,591 | €10,201 | €4,917 | ▼ 51.8% |
| Operating cash flow (approximation) | €20,631 | €16,472 | €16,063 | -€15,709 | -€22,879 | ▼ 45.6% |
| Investment in fixed assets (approximation) | - | -€9,585 | -€4,281 | €3,167 | -€3,314 | ▼ 205% |
| Change in cash | - | €1,534 | €1,213 | -€4,989 | -€5,753 | ▼ 15.3% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
08-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 39 days late
2025
31-12
Financial
Weakest financial yearnet -€27,796
Net result drops to -€27,796, the lowest in the series.
24-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
04-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €8,463
Net result €8,463 after 2 loss-making years.
19-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 19 days late
2020
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
01-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
05-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
27-06
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.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Merelbeke-Melle · 1 establishment unit since 2015
Ground area
2,576 m²
Building footprint
216 m²
Volume, LiDAR
1,001 m³
Parcel 44010A0660/00R000, Flanders · tallest building 7.4 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
COOPLAN
since 20152.241.355.046
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44010A0660/00R000 | Flanders | 2,576 m² | 1 · 216 m² | 7.4 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 82,642 companies in sector 70200 we hold annual accounts for 52,589. 27,283 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded15-04-2015
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
71112Activities of interior architects
Contact
E-mail
vandendaele.ethel@gmail.com
E-invoicing
Reachable via Peppol
Peppol ID
0208:0628629185
Also
9925:BE0628629185
Registered
26-03-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.