COPEB
ActiveCOPEB has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €115k and a net result of €51k. Equity is shrinking by ~6.2% per year across the filed fiscal years. Its solvency ranks better than 57% of 9450 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
87
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+91
Solvency86▲+16
Growth78▲+46
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 2.37 against 1.94 in 2024; short-term debt: 38.2% and cash: 34.7% of total assets), and 38.6% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Sector 71
lower
← 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
61.4%
Return on assets
27.1%
Age of the figures
9 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
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
18202122232425
2018 to 2025 · latest year €115k
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 04-06-2026, 57 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
57 d early
2024
56 d early
2023
16 d early
2022
68 d late
2021
66 d late
2020
115 d late
2018
52 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
Equity
€115k▲ 76.8%
2024 · €65k
2018: €109k
2020: €93k
2021: €101k
2022: €86k
2023: €77k
2024: €65k
2018 → 2025
Total assets
€187k▲ 30.1%
2024 · €144k
2018: €124k
2020: €118k
2021: €120k
2022: €131k
2023: €139k
2024: €144k
2018 → 2025
Net result
€51k
2024 · €-12k
2018: €9k
2020: €11k
2021: €8k
2022: €-15k
2023: €-10k
2024: €-12k
2018 → 2025
Working capital
€98k▲ 50.9%
2024 · €65k
2018: €109k
2020: €85k
2021: €96k
2022: €84k
2023: €71k
2024: €65k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€101k-€86k▼ 14.5%€77k▼ 11.2%€65k▼ 15.1%€115k▲ 76.8%
Operating result€8k-€-15k€-9k▲ 38.1%€-11k▼ 24.9%€60k
Net result€8k-€-15k€-10k▲ 34.4%€-12k▼ 20.2%€51k
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: €60k after a loss of €11k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €187k
Fixed assets
€18k▲ 78.9%
Current assets
€170k▲ 26.5%
Equity and liabilities €187k
Equity
€115k▲ 76.8%
Debt
€72k▼ 8.4%
The debt ratio falls from 54.8% to 38.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€62k▲
2024 · €-10k
Cash flow
€53k▲
2024 · €-11k
Solvency
61.4%▲
2024 · 45.2%
Current ratio
2.37▲
2024 · 1.94
Quick ratio
2.37▲
2024 · 1.94
Debt / equity
0.63▼
2024 · 1.21
ROE
44.2%▲
2024 · -17.8%
ROA
27.1%▲
2024 · -8.0%
Interest coverage
318.71▲
2024 · -53.39
Debt
€72k▼
2024 · €79k
Debt ≤ 1 year
€72k▲
2024 · €69k
Income taxes
€9k▲
2024 · €140
Staff costs
€15k▼
2024 · €36k
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€144k€187k▲
Fixed assets21/28€10k€18k▲
Tangible fixed assets22/27€10k€18k▲
Plant, machinery and equipment23€5k€4k▼
Furniture and vehicles24-€1k
Other tangible fixed assets26€5k€12k▲
Financial fixed assets28€200€200=
Current assets29/58€134k€170k▲
Amounts receivable within one year40/41€92k€102k▲
Trade receivables40€91k€102k▲
Other amounts receivable41€1k€0▼
Cash at bank and in hand54/58€39k€65k▲
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€144k€187k▲
Equity10/15€65k€115k▲
Contributions10/11€12k€12k=
Reserves13€53k€103k▲
Distributable reserves133€53k€103k▲
Amounts payable17/49€79k€72k▼
Amounts payable within one year42/48€69k€72k▲
Financial debts43€39€462▲
Credit institutions430/8€39€462▲
Trade debts44€26k€26k▼
Suppliers440/4€26k€26k▼
Taxes, remuneration and social security45€28k€31k▲
Taxes450/3€6k€21k▲
Remuneration and social security454/9€22k€10k▼
Other amounts payable47/48€15k€14k▼
Accrued charges and deferred income492/3€10k€671▼
Income statement
Code20242025
Remuneration, social security and pensions62€36k€15k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€2k▲
Other operating charges640/8€1k€922▼
Gross operating margin9900€27k€78k▲
Operating profit (loss)9901€-11k€60k▲
Financial income75/76B€20€19▼
Recurring financial income75€20€19▼
Financial charges65/66B€191€194▲
Recurring financial charges65€191€194▲
Profit (loss) for the period before taxes9903€-11k€60k▲
Income taxes67/77€140€9k▲
Profit (loss) for the period9904€-12k€51k▲
Profit (loss) for the period to be appropriated9905€-12k€51k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-12k€51k▲
Transfer from equity791/2€12k-
Transfer to equity691/2-€50k
To other reserves6921-€50k
Profit to be distributed694/7-€833
Return on contributions (dividend)694-€833
The notes to these accounts (6 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
04-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €51k
Net result €51k after 3 loss-making years.
31-12
Financial
Equity above €100kEq €115k ▲76.8%
Equity rises from €65k to €115k.
05-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
15-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
07-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 68 days late
2022
31-12
Financial
Weakest financial yearnet €-15k ▼279%
Net result drops to €-15k, the lowest in the series; recovery starts the following year.
05-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 66 days late
2021
31-12
Financial
Equity above €100kEq €101k ▲8.8%
3 profitable years in a row build equity to €101k.
23-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 115 days late
2019
21-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 52 days late
2018
31-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 92 days late
2017
08-11
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 100 days late
2016
24-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 24 days late
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, Sint-Lambrechts-Woluwe · 1 establishment unit since 2012
Ground area
188 m²
Building footprint
188 m²
Volume, LiDAR
2,416 m³
Parcel 21673D0117/00B027, Brussels · tallest building 16.2 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
HOME-IN-ONE
since 20122.209.636.838
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21673D0117/00B027 | Brussels | 188 m² | 1 · 188 m² | 16.2 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.
Similar companies · same sector, comparable size
ARCHITECT VANDENBERGHE KATRIEN
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ARCHITECTENGROEP MACOURS - architectuur en interieur
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Of 18,256 companies in sector 71111 we hold annual accounts for 6,321. 5,445 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-05-2012
Fiscal year end31-12
Activities, NACEBEL
71111Activities of building architects
71121Engineering and related technical consultancy, excluding land surveyors
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.