Copharelle
ActiveCopharelle 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 €372k and a net result of €27k. Equity is growing by ~20.9% per year across the filed fiscal years. Its solvency ranks better than 44% of 5495 sector peers (fiscal year 2025). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-04-2026, 0 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
on the day
2024
2 d early
2023
6 d early
2022
3 d early
2021
45 d late
2020
1 d early
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
16-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€372k▲ 7.8%
2024 · €345k
2018: €73k
2019: €118k
2020: €148k
2021: €174k
2022: €251k
2023: €291k
2024: €345k
2018 → 2025
Net result
€27k▼ 50.5%
2024 · €54k
2018: €27k
2019: €45k
2020: €30k
2021: €26k
2022: €77k
2023: €40k
2024: €54k
2018 → 2025
Total assets
€839k▼ 2.7%
2024 · €863k
2018: €830k
2019: €843k
2020: €835k
2021: €838k
2022: €850k
2023: €858k
2024: €863k
2018 → 2025
Solvency
44.3%▲ 4.3pp
2024 · 40.0%
2018: 8.9%
2019: 14.0%
2020: 17.8%
2021: 20.8%
2022: 29.5%
2023: 33.9%
2024: 40.0%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€174k-€251k▲ 44.4%€291k▲ 15.8%€345k▲ 18.7%€372k▲ 7.8%
Operating result€44k-€62k▲ 38.7%€62k▲ 0.8%€46k▼ 25.3%€46k▼ 1.3%
Net result€26k-€77k▲ 202%€40k▼ 48.6%€54k▲ 37.1%€27k▼ 50.5%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 1% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €839k
Fixed assets
€813k=
Current assets
€26k▼ 47.2%
Equity and liabilities €839k
Equity
€372k▲ 7.8%
Debt
€467k▼ 9.8%
The debt ratio falls from 60.0% to 55.7%: equity grows while debt is paid down.
Key figures and ratios
Solvency
44.3%▲
2024 · 40.0%
ROE
7.2%▼
2024 · 15.8%
ROA
3.2%▼
2024 · 6.3%
Debt
€467k▼
2024 · €518k
Debt ≤ 1 year
€115k▲
2024 · €114k
Debt > 1 year
€347k▼
2024 · €399k
Income taxes
€13k▲
2024 · €10k
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€863k€839k▼
Fixed assets21/28€813k€813k=
Financial fixed assets28€813k€813k=
Current assets29/58€50k€26k▼
Amounts receivable within one year40/41€42k€14k▼
Trade receivables40€34k€12k▼
Other amounts receivable41€8k€2k▼
Cash at bank and in hand54/58€8k€12k▲
Equity and liabilities
Total equity and liabilities10/49€863k€839k▼
Equity10/15€345k€372k▲
Contributions10/11€25k€25k=
Reserves13€225k€342k▲
Distributable reserves133€225k€342k▲
Profit (loss) carried forward14€95k€5k▼
Amounts payable17/49€518k€467k▼
Amounts payable after more than one year17€399k€347k▼
Financial debts170/4€399k€347k▼
Amounts payable within one year42/48€114k€115k▲
Current portion of amounts payable after more than one year42€51k€51k▲
Trade debts44€10k€23k▲
Suppliers440/4€10k€23k▲
Taxes, remuneration and social security45€5k€8k▲
Taxes450/3€5k€6k▲
Remuneration and social security454/9-€2k
Other amounts payable47/48€49k€32k▼
Accrued charges and deferred income492/3€5k€5k▲
Income statement
Code20242025
Other operating charges640/8€1k€1k▼
Gross operating margin9900€48k€47k▼
Operating profit (loss)9901€46k€46k▼
Financial income75/76B€25k€68▼
Recurring financial income75€25k€68▼
Financial charges65/66B€7k€6k▼
Recurring financial charges65€7k€6k▼
Profit (loss) for the period before taxes9903€65k€40k▼
Income taxes67/77€10k€13k▲
Profit (loss) for the period9904€54k€27k▼
Profit (loss) for the period to be appropriated9905€54k€27k▼
Appropriation of the result
Profit (loss) to be appropriated9906€95k€122k▲
Profit (loss) brought forward from the previous period14P€41k€95k▲
Transfer to equity691/2-€117k
To other reserves6921-€117k
The notes to these accounts (5 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
30-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
28-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
24-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
27-04
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-09
Financial
Highest result since 2018net €77k ▲202%
Net result €77k, the highest in the series.
30-09
Financial
Equity above €200kEq €251k ▲44.4%
5 profitable years in a row build equity to €251k.
14-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 45 days late
2021
30-09
Financial
Weakest financial yearnet €26k ▼15.9%
Net result drops to €26k, the lowest in the series; recovery starts the following year.
30-09
Financial
Equity above €150kEq €174k ▲17.2%
4 profitable years in a row build equity to €174k.
29-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-04
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
30-09
Financial
Equity above €100kEq €118k ▲60.7%
2 profitable years in a row build equity to €118k.
17-04
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
26-04
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Gent · 1 establishment unit since 2016
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.
Heerweg-Zuid 1359052 GentGround area
304 m²
Building footprint
170 m²
Volume, LiDAR
1,007 m³
Parcel 44082C0399/00E006, Flanders · tallest building 9.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Copharelle
since 20162.257.785.559
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44082C0399/00E006 | Flanders | 304 m² | 1 · 170 m² | 9.8 m · 3 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.
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Of 24,636 companies in sector 64210 we hold annual accounts for 19,688. 13,717 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-05-2016
Fiscal year end30-09
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.