Financials
- Fiscal year
- 2025
- Total assets
- €24,871
- Profit
- €470
- Solvency
- 16.6%
Total assets▲ 69.7%
Net result
20242025
COPIC
ActiveSummary
The computed 12-month bankruptcy probability of COPIC is 3.0% (moderate). The 2025 annual accounts show equity of €4,126 and a net result of €470. Its solvency ranks better than 23% of 9017 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Overview
Activity
General construction of residential buildings
NACE 41001General construction of buildings NACE 41201
1 site
Size
€24,871total assets 2025
- Equity
- €4,126
- Profit
- €470
Turnover not published (abridged schema)
Structure
Accounts on time1 of 2 deeds read
Why 50- Founded in 2024- Sector Construction of residential and non-residential buildings (NACE 41)- Size: total assets €24,871+ Liquidity: current ratio 1.00, cash €3,689Show the evidence
Checked score
Score 2025
50
/ 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 39% of its sector peers (NACE 41, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Average
Solvency
42-8
equity 16.6% of total assets
Liquidity
35-10
short-term debt 64.2% · cash 14.8%
Profitability
71+1
return on assets 1.9%
Bankruptcy probability, 12 months
3.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
07-2025: 3.6%highest value
08-2025: 3.6%● 0.0% vs 07-2025highest value
09-2025: 1.8%▼ -50.5% vs 08-2025lowest value
10-2025: 1.9%▲ +4.0% vs 09-2025
11-2025: 1.9%▲ +2.3% vs 10-2025
12-2025: 1.9%▲ +1.6% vs 11-2025
01-2026: 1.9%▼ -0.9% vs 12-2025
02-2026: 2.0%▲ +5.9% vs 01-2026
03-2026: 2.0%▼ -0.2% vs 02-2026
04-2026: 2.1%▲ +1.3% vs 03-2026
05-2026: 2.1%▲ +0.1% vs 04-2026
06-2026: 2.1%▲ +2.6% vs 05-2026
07-2026: 2.3%▲ +9.7% vs 06-2026
08-2026: 3.0%▲ +30.5% vs 07-2026
09-2026: 3.0%● 0.0% vs 08-2026
10-2026: 3.0%● 0.0% vs 09-2026
- Founded in 2024 raises the probability for this profile
- Sector Construction of residential and non-residential buildings (NACE 41) raises the probability
- Size: total assets €24,871 raises the probability for this profile
- Liquidity: current ratio 1.00, cash €3,689 lowers the probability
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 41, micro). Better than this share of them on solvency 23%, liquidity 30%, profitability 44%, growth against the median 57%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 06-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 9017 sector peers (2025).
NBB · sector comparisonPosition among 9017 sector peers
Solvency
better than 23%
← weakest
strongest →
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 31-07-2026, 0 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
on the day
2024
30 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 2 accounts on average 15 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% 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
06-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Resignation: ARHAR Bogdan (director)Permanent representative: Vincent BERCHEM
- Annual accounts filedfiscal year 2024 · micro…
Key points
By topic
Timeline
- Events
- 3
- Since
- 2025
- Next accounts
- by 31-07-2027
- 31-07-2026Annual accounts filed
- 15-05-2026Resignation: ARHAR Bogdan (director)
- 30-08-2025Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- General construction of residential buildingsNACE 41001
- Founded
- 25-06-2024
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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