Summary
Copains.group is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €4.0m and a net result of -€7,586. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 52% of 2451 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 12-05-2026, 80 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
80 d early
2024
15 d early
2023
5 d early
2022
31 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 4 accounts on average 17 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% 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. Usually files around 22 July (3 of the last 4 filed years within 40 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, full schema
In the rankings
#2 company by total assets in La Louvière, Finance and insurance sector#2 company by equity in La Louvière, Finance and insurance sector
Equity
€4.0m▼ 0.2%
2024 · €4.0m
Net result
-€7,586▼ 753%
2024 · -€889
Total assets
€6.3m▲ 6.3%
2024 · €5.9m
Solvency
63.9%▼ 4.1pp
2024 · 68.1%
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line2022202320242025
Operating result€56,480-€48,296▼ 14.5%€71,918▲ 48.9%€51,352▼ 28.6%
Net result€3,234below the sector's middle half-€1,682below the sector's middle half▼ 48.0%-€889below the sector's middle half-€7,586below the sector's middle half▼ 753%
Equity€103,236within the sector's middle half-€104,917within the sector's middle half▲ 1.6%€4.0mwithin the sector's middle half▲ 3,731%€4.0mwithin the sector's middle half▼ 0.2%
Total assets€3.0mabove the sector's middle half-€3.2mabove the sector's middle half▲ 8.9%€5.9mwithin the sector's middle half▲ 83.8%€6.3mwithin the sector's middle half▲ 6.3%
Debt€2.8m-€3.1m▲ 9.1%€1.9m▼ 39.3%€2.3m▲ 20.1%
Working capital-€1.6mbelow the sector's middle half--€1.6mbelow the sector's middle half▼ 0.8%€224,214within the sector's middle half-€211,808within the sector's middle half
Solvency3.5%below the sector's middle half-3.3%below the sector's middle half▼ 0.2pp68.1%within the sector's middle half▲ 64.8pp63.9%within the sector's middle half▼ 4.1pp
Current ratio0.08below the sector's middle half-0.14below the sector's middle half▲ 0.061.18within the sector's middle half▲ 1.040.83within the sector's middle half▼ 0.35
Return on assets (ROA)0.1%below the sector's middle half-0.1%below the sector's middle half▼ 0.1pp0.0%below the sector's middle half▼ 0.1pp-0.1%within the sector's middle half▼ 0.1pp
Staff (FTE)2.4-6.3within the sector's middle half5.3within the sector's middle half▼ 15.9%
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 29% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €6.3m
Fixed assets
€5.2m ▲ 18.1%
Current assets
€1.0m ▼ 28.8%
Equity and liabilities €6.3m
Equity
€4.0m ▼ 0.2%
Debt
€2.3m ▲ 20.1%
Debt's share of the balance-sheet total rises from 31.9% to 36.1%. Equity is lower and debt is higher.
Key figures and ratios
ROE
-0.2%▼
2024 · 0.0%
Debt ≤ 1 year
€1.3m▲
2024 · €1.2m
Debt > 1 year
€1.0m▲
2024 · €635,608
Income taxes
€20,864▲
2024 · €13,475
Staff costs
€345,843▼
2024 · €505,202
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €152,589 | €317,773 | €505,202 | €345,843 | ▼ 31.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €427 | €23,255 | €60,560 | €59,203 | ▼ 2.2% |
| Other operating charges640/8 | - | €1,676 | €257 | €1,112 | ▲ 333% |
| Gross operating margin9900 | €209,496 | €390,999 | €637,936 | €457,510 | ▼ 28.3% |
| Operating profit (loss)9901 | €56,480 | €48,296 | €71,918 | €51,352 | ▼ 28.6% |
| Financial income75/76B | - | - | €11,624 | €8 | ▼ 99.9% |
| Recurring financial income75 | - | - | €11,624 | €8 | ▼ 99.9% |
| Financial charges65/66B | €53,246 | €46,614 | €70,957 | €38,082 | ▼ 46.3% |
| Recurring financial charges65 | €53,246 | €46,614 | €70,957 | €38,082 | ▼ 46.3% |
| Profit (loss) for the period before taxes9903 | €3,234 | €1,682 | €12,586 | €13,279 | ▲ 5.5% |
| Income taxes67/77 | - | - | €13,475 | €20,864 | ▲ 54.8% |
| Profit (loss) for the period9904 | €3,234 | €1,682 | -€889 | -€7,586 | ▼ 753% |
| Profit (loss) for the period to be appropriated9905 | €3,234 | €1,682 | -€889 | -€7,586 | ▼ 753% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €3.0m | €3.2m | €5.9m | €6.3m | ▲ 6.3% |
| Formation expenses20 | €33,335 | €26,668 | €20,001 | €13,352 | ▼ 33.2% |
| Fixed assets21/28 | €2.8m | €2.9m | €4.4m | €5.2m | ▲ 18.1% |
| Intangible fixed assets21 | €5,568 | €86,379 | €64,784 | €47,334 | ▼ 26.9% |
| Tangible fixed assets22/27 | €27,302 | €95,488 | €118,398 | €89,714 | ▼ 24.2% |
| Plant, machinery and equipment23 | - | - | - | €1,197 | - |
| Furniture and vehicles24 | €27,302 | €95,488 | €118,398 | €88,517 | ▼ 25.2% |
| Financial fixed assets28 | €2.7m | €2.7m | €4.2m | €5.1m | ▲ 19.9% |
| Current assets29/58 | €144,673 | €264,141 | €1.5m | €1.0m | ▼ 28.8% |
| Amounts receivable within one year40/41 | €45,050 | €237,304 | €1.3m | €983,741 | ▼ 22.7% |
| Trade receivables40 | €28,050 | €227,304 | €1.3m | €980,741 | ▼ 22.3% |
| Other amounts receivable41 | €17,000 | €10,000 | €10,000 | €3,000 | ▼ 70.0% |
| Cash at bank and in hand54/58 | €91,299 | €26,837 | €165,217 | €28,276 | ▼ 82.9% |
| Deferred charges and accrued income490/1 | €8,325 | - | €24,638 | €29,214 | ▲ 18.6% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €3.0m | €3.2m | €5.9m | €6.3m | ▲ 6.3% |
| Equity10/15 | €103,236 | €104,917 | €4.0m | €4.0m | ▼ 0.2% |
| Contributions10/11 | €100,002 | €100,002 | €4.0m | €4.0m | = |
| Reserves13 | €3,234 | €4,915 | €4,026 | €0 | ▼ 100% |
| Distributable reserves133 | €3,234 | €4,915 | €4,026 | €0 | ▼ 100% |
| Profit (loss) carried forward14 | - | - | - | -€3,560 | - |
| Amounts payable17/49 | €2.8m | €3.1m | €1.9m | €2.3m | ▲ 20.1% |
| Amounts payable after more than one year17 | €1.1m | €1.2m | €635,608 | €1.0m | ▲ 57.9% |
| Financial debts170/4 | €1.1m | €1.2m | €635,608 | €1.0m | ▲ 57.9% |
| Amounts payable within one year42/48 | €1.7m | €1.9m | €1.2m | €1.3m | ▲ 1.2% |
| Current portion of amounts payable after more than one year42 | €52,949 | €128,474 | €200,406 | €302,087 | ▲ 50.7% |
| Financial debts43 | €4,175 | €39,829 | €35,280 | €16,600 | ▼ 52.9% |
| Credit institutions430/8 | €4,175 | €39,829 | €35,280 | €16,600 | ▼ 52.9% |
| Trade debts44 | €58,788 | €149,802 | €161,533 | €840,439 | ▲ 420% |
| Suppliers440/4 | €58,788 | €149,802 | €161,533 | €840,439 | ▲ 420% |
| Taxes, remuneration and social security45 | €60,187 | €35,244 | €146,034 | €93,914 | ▼ 35.7% |
| Taxes450/3 | €36,396 | €35,244 | €83,932 | €37,511 | ▼ 55.3% |
| Remuneration and social security454/9 | €23,791 | - | €62,102 | €56,403 | ▼ 9.2% |
| Other amounts payable47/48 | €1.6m | €1.5m | €695,000 | €0 | ▼ 100% |
| Accrued charges and deferred income492/3 | €31,189 | €53,516 | €12,295 | €7,847 | ▼ 36.2% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €3,234 | €1,682 | -€889 | -€7,586 | ▼ 753% |
| + Depreciation and write-downs630 | €427 | €23,255 | €60,560 | €59,203 | ▼ 2.2% |
| Operating cash flow (approximation) | €3,660 | €24,936 | €59,671 | €51,617 | ▼ 13.5% |
| Investment in fixed assets (approximation) | - | -€172,252 | -€1.6m | -€857,847 | ▲ 45.1% |
| Change in cash | - | -€64,462 | €138,380 | -€136,941 | ▼ 199% |
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
04-06
State Gazette act
Resignation: Bernard Jolly (représentant de la s.a. nomainvest, administrateur)Appointment: Philippe Neumann (représentant de la sa nomainvest) · Permanent representatives: Fabienne Bryskère, Arthus de Bousies and 3 others16 facts ▸
State Gazette act
Resignation: Bernard Jolly (représentant de la s.a. nomainvest, administrateur)
Appointment: Philippe Neumann (représentant de la sa nomainvest) · Permanent representatives: Fabienne Bryskère, Arthus de Bousies and 3 others16 facts ▸
- General meeting, 12-05-2026
- Director resignation, Bernard Jolly (représentant de la s.a. nomainvest, administrateur)
- Director appointment, Philippe Neumann (représentant de la sa nomainvest)
- Board composition, Mushu Management (director)
- Permanent representative, Fabienne Bryskère (representative)
- Board composition, Olivier de Cartier (director)
- Board composition, Jonathan de Cartier (director)
- Board composition, BOUSICO (director)
- Permanent representative, Arthus de Bousies (representative)
- Board composition, Nomainvest (director)
- Permanent representative, Philippe Neumann (representative)
- Board composition, IMBC (director)
- +4 further facts in this act
12-05
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Weakest financial yearnet -€7,586
Net result drops to -€7,586, the lowest in the series.
16-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Liquidity times 8current ratio 1.18
Current ratio from 0.14 to 1.18; short-term debt falls from €1.9m to €1.2m.
31-12
Financial
Equity above €2mEq €4.0m ▲3,731%
Equity rises from €104,917 to €4.0m.
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 7 acts read
About the unread acts
Of the 7 Belgian State Gazette acts we know for this company, 1 has been read. The other 6 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
no sitting director, last change in 2026
Permanent representatives 1
Philippe Neumann
CurrentReprésentant de la sa nomainvest · since 12-05-2026
Derived from published Gazette acts. The CBE keeps the official list of function holders; we do not read it, so the two can differ.
See the function holders in the CBE →
Not every act has been read: a resignation may be missing here
6 of this company's 7 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, La Louvière · 1 establishment unit since 2021
Ground area
956 m²
Parcel 55042A0023/00A002, Wallonia. Linked by address, not a title deed.
1 establishment unit
Copains.group
since 20212.325.252.821
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55042A0023/00A002 | Wallonia | 956 m² | - | - |
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.
Mandate history
2 people since 2026, 1 in office
- Board
- Permanent representative
- began earlier
| Name | Functions and periods |
|---|---|
| Philippe Neumann |
|
| Bernard Jolly |
|
Structure & network
Owners and holdings
2 owners · 3 holdingsOwners 2
- 10.6%
-
10.07%
Holdings 3
-
100%
-
100%
-
100%
According to the 2025 annual accounts of Copains.group and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,805. 8,847 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
Founded26-10-2021
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
70100Activities of head offices
70200Business and other management consultancy
Contact
Website
copains.group
E-mail
hello@copains.group
E-invoicing
Reachable via Peppol
Peppol ID
0208:0776504695
Also
9925:BE0776504695
Registered
23-10-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.