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COPILOT

Judicial reorganisation
Private limited companyfounded 200818 yrs activeRue des Canadiens (H.) 130, 7022 Mons, BelgiumKBO/BCE: BE 0895.626.635
Summary

The file of COPILOT contains 1 judicial reorganisation, as published in the Belgian State Gazette. The KBO register records for COPILOT the legal situation: special situation; this is today's state according to the register itself, which carries no start date. During the judicial reorganisation Checked does not compute a bankruptcy probability from the figures: of the Belgian companies that opened one in 2023 and 2024, about one in four went bankrupt within twelve months. The 2025 annual accounts show negative equity (-€113,803) and a net result of -€30,006. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 16% of 13683 sector peers (fiscal year 2025).

Are you a creditor?

Judicial reorganisation Source: Belgian Official Gazette

Your claim still exists, but while the moratorium runs you cannot enforce it. What you do now depends on the track of the reorganisation.

The procedure

Court
Enterprise Court of Hainaut
Opened
1 June 2026
Track
Reorganisation by collective agreement
Docket number
20260016
Moratorium until
1 October 2026
Creditors' vote
28 September 2026
Delegated judge
Laurent Georgery
Official Gazette
18-06-2026 (pdf) ↗search the document for 2026/124546

What to do now

  1. Do not attach assets or start enforcement for debts from before the opening while the moratorium runs.
  2. Check the amount the company lists you for: it has to tell you. If it is wrong, dispute it in writing.
  3. The company files a reorganisation plan and creditors vote on it at a hearing. A plan approved and confirmed by the court also binds those who voted against.
  4. What you deliver after the opening is not covered by the moratorium: agree clear payment terms.
  5. The file is in RegSol, where you can read the documents of the procedure.

Deadlines: the moratorium runs until 1 October 2026, unless the court extends or ends it earlier. The date of the vote on the plan is in the judgment and in RegSol.

View the file in RegSol ↗ Watch Follow this reorganisation: you are alerted to an extension, the court's approval, the closure or a bankruptcy.

General information, not legal advice. If in doubt, your lawyer or your accountant can help.Creditor guide for this company

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Checked score

Score 2025
Axes · tick = 2024
Profitability20▼-24
Solvency0=
Growth32▼-26
Track record30
Credit verdict
No credit on open account during an ongoing judicial reorganisation
Liquidity short (current ratio 0.23 against 0.27 in 2024; short-term debt: 118.9% and cash: 17.8% of total assets), and equity is negative.
Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025
Equity per financial year
1819202122232425
2018 to 2025 · latest year -€113,803
raises risk · Register: special situation
The KBO register records the legal situation: special situation. This is today's state according to the register itself; the register carries no start date.
KBO · legal situation
raises risk · In judicial reorganisation
Ongoing procedure under court protection (Book XX WER). The company is restructuring.
Belgian State Gazette
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filings
Deviation from the deadline
2025
31 d late
2024
61 d late
2023
61 d late
2022
212 d late
2021
29 d late
2020
23 d early
2019
49 d late
← 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 60 days after the deadline; the sector median for financial year 2024 is 6 days after the deadline, and 53% 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 30 September (4 of the last 5 filed years within 32 days of that day).
Companies Code · seven months
Position in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

On 1 February 2008, COPILOT was incorporated.1 Total assets went from EUR 350,460 in 2018 to EUR 300,773 in 2025 and headcount from 11.2 to 6.6 full-time equivalents.2 A judicial reorganisation was opened on 1 June 2026.3

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2018 and 2025
  3. 3Belgian State Gazette, 18-06-2026

Go further with this company

Investigating this company? Keep it with today's facts in a case file.

Financials · fiscal year 2025, micro schema

Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
-€30,006
2024 · €536
Working capital
-€275,410▼ 21.2%
2024 · -€227,296
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 56, Food and beverage service activities, 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
Line20212022202320242025
Operating result€15,715▼ 55.7%-€56,269-€99,763▼ 77.3%€10,560-€7,693
Net result€4,376within the sector's middle half▼ 79.4%-€54,155below the sector's middle half-€100,829below the sector's middle half▼ 86.2%€536within the sector's middle half-€30,006below the sector's middle half
Equity€70,650within the sector's middle half▲ 6.6%€16,495within the sector's middle half▼ 76.7%-€84,333below the sector's middle half-€83,797below the sector's middle half▲ 0.6%-€113,803below the sector's middle half▼ 35.8%
Total assets€371,776within the sector's middle half▲ 6.0%€265,516above the sector's middle half▼ 28.6%€285,837above the sector's middle half▲ 7.7%€313,058above the sector's middle half▲ 9.5%€300,773above the sector's middle half▼ 3.9%
Debt€301,126▲ 5.8%€249,021▼ 17.3%€370,170▲ 48.7%€396,855▲ 7.2%€414,576▲ 4.5%
Working capital€7,100within the sector's middle half▼ 58.6%-€60,750below the sector's middle half-€192,474below the sector's middle half▼ 217%-€227,296below the sector's middle half▼ 18.1%-€275,410below the sector's middle half▼ 21.2%
Solvency19.0%within the sector's middle half▲ 0.1pp6.2%within the sector's middle half▼ 12.8pp-29.5%below the sector's middle half▼ 35.7pp-26.8%below the sector's middle half▲ 2.7pp-37.8%below the sector's middle half▼ 11.1pp
Current ratio1.05within the sector's middle half▼ 0.170.47below the sector's middle half▼ 0.580.22below the sector's middle half▼ 0.250.27below the sector's middle half▲ 0.050.23below the sector's middle half▼ 0.04
Return on assets (ROA)1.2%within the sector's middle half▼ 4.9pp-20.4%below the sector's middle half▼ 21.6pp-35.3%below the sector's middle half▼ 14.9pp0.2%within the sector's middle half▲ 35.4pp-10.0%below the sector's middle half▼ 10.1pp
Staff (FTE)10within the sector's middle half▼ 9.1%9.6▼ 4.0%13.3▲ 38.5%7.4▼ 44.4%6.6▼ 10.8%
above within below the middle half (P25 to P75) of NACE 56, Food and beverage service activities, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
-€150,000-€100,000-€50,000€0Operating result 2021: €15,715€15,715Net result 2021: €4,376€4,376Operating result 2022: -€56,269-€56,269Net result 2022: -€54,155-€54,155Operating result 2023: -€99,763-€99,763Net result 2023: -€100,829-€100,829Operating result 2024: €10,560€10,560Net result 2024: €536€536Operating result 2025: -€7,693-€7,693Net result 2025: -€30,006-€30,00620212022202320242025-€150,000-€100,000-€50,000€0Operating result 2023: -€99,763-€99,800Net result 2023: -€100,829-€101,000Operating result 2024: €10,560€10,600Net result 2024: €536€536Operating result 2025: -€7,693-€7,690Net result 2025: -€30,006-€30,000202320242025
The operating result turns negative in 2025: a loss of €7,693 after €10,560 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €300,773
Fixed assets €218,527 ▼ 4.7%
Current assets €82,246 ▼ 1.7%
Key figures and ratios
2025 value · change against 2024
EBITDA
€12,049▼
2024 · €29,958
Cash flow
-€10,264▼
2024 · €19,933
Quick ratio
0.19▼
2024 · 0.22
Debt to equity
-3.64▲
2024 · -4.74
Interest coverage
1.65▼
2024 · 3.02
Debt ≤ 1 year
€357,657▲
2024 · €310,968
Debt > 1 year
€56,919▼
2024 · €85,888
Income taxes
€15,032▲
2024 · €125
Staff costs
€341,394▲
2024 · €326,978
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 46 lines
Balance sheet Code20242025
Assets
Total assets20/58€313,058€300,773▼
Fixed assets21/28€229,386€218,527▼
Tangible fixed assets22/27€226,736€215,877▼
Land and buildings22€212,166€198,566▼
Plant, machinery and equipment23€13,789€16,887▲
Furniture and vehicles24€781€424▼
Financial fixed assets28€2,650€2,650=
Current assets29/58€83,672€82,246▼
Stocks and contracts in progress3€15,234€15,234=
Stocks30/36€15,234€15,234=
Amounts receivable within one year40/41€12,998€13,336▲
Other amounts receivable41€12,998€13,336▲
Cash at bank and in hand54/58€55,440€53,676▼
Equity and liabilities
Total equity and liabilities10/49€313,058€300,773▼
Equity10/15-€83,797-€113,803▼
Contributions10/11€18,600€18,600=
Revaluation surpluses12€30,058€30,058=
Reserves13€1,860€1,860=
Non-distributable reserves130/1€1,860€1,860=
Reserves not available under the articles1311€1,860€1,860=
Profit (loss) carried forward14-€134,316-€164,321▼
Amounts payable17/49€396,855€414,576▲
Amounts payable after more than one year17€85,888€56,919▼
Financial debts170/4€85,888€56,919▼
Amounts payable within one year42/48€310,968€357,657▲
Current portion of amounts payable after more than one year42€36,631€29,889▼
Trade debts44€204,630€93,384▼
Suppliers440/4€204,630€93,384▼
Taxes, remuneration and social security45€69,707€234,384▲
Taxes450/3€24,970€91,334▲
Remuneration and social security454/9€44,737€143,050▲
Income statement Code20242025
Remuneration, social security and pensions62€326,978€341,394▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19,398€19,742▲
Other operating charges640/8€992€1,990▲
Gross operating margin9900€357,928€355,433▼
Operating profit (loss)9901€10,560-€7,693▼
Financial income75/76B€13€1▼
Recurring financial income75€13€1▼
Financial charges65/66B€9,912€7,282▼
Recurring financial charges65€9,912€7,282▼
Profit (loss) for the period before taxes9903€660-€14,973▼
Income taxes67/77€125€15,032▲
Profit (loss) for the period9904€536-€30,006▼
Profit (loss) for the period to be appropriated9905€536-€30,006▼
Appropriation of the result
Profit (loss) to be appropriated9906-€134,316-€164,321▼
Profit (loss) brought forward from the previous period14P-€134,851-€134,316▲

The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20212022202320242025Change
Remuneration, social security and pensions62€265,495€395,471€398,777€326,978€341,394▲ 4.4%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€26,853€22,185€25,169€19,398€19,742▲ 1.8%
Other operating charges640/8€4,876€4,394€325€992€1,990▲ 101%
Non-recurring operating charges66A€15,124-----
Gross operating margin9900€328,063€365,780€324,508€357,928€355,433▼ 0.7%
Operating profit (loss)9901€15,715-€56,269-€99,763€10,560-€7,693▼ 173%
Financial income75/76B€202€3,373€3,173€13€1▼ 89.5%
Recurring financial income75€202€3,373€3,173€13€1▼ 89.5%
Financial charges65/66B€10,730€1,259€4,233€9,912€7,282▼ 26.5%
Recurring financial charges65€10,730€1,259€4,233€9,912€7,282▼ 26.5%
Profit (loss) for the period before taxes9903€5,187-€54,155-€100,824€660-€14,973▼ 2,367%
Income taxes67/77€812-€5€125€15,032▲ 11,941%
Profit (loss) for the period9904€4,376-€54,155-€100,829€536-€30,006▼ 5,702%
Profit (loss) for the period to be appropriated9905€4,376-€54,155-€100,829€536-€30,006▼ 5,702%
Line20212022202320242025Change
Assets
Total assets20/58€371,776€265,516€285,837€313,058€300,773▼ 3.9%
Fixed assets21/28€230,810€211,523€230,660€229,386€218,527▼ 4.7%
Tangible fixed assets22/27€230,160€210,873€230,010€226,736€215,877▼ 4.8%
Land and buildings22€222,168€206,899€228,538€212,166€198,566▼ 6.4%
Plant, machinery and equipment23€940€602€402€13,789€16,887▲ 22.5%
Furniture and vehicles24€7,052€3,372€1,070€781€424▼ 45.7%
Financial fixed assets28€650€650€650€2,650€2,650=
Current assets29/58€140,967€53,993€55,177€83,672€82,246▼ 1.7%
Stocks and contracts in progress3€26,596€17,200€15,579€15,234€15,234=
Stocks30/36€26,596€17,200€15,579€15,234€15,234=
Amounts receivable within one year40/41€2,327-€11,104€12,998€13,336▲ 2.6%
Trade receivables40€861-€5,809---
Other amounts receivable41€1,465-€5,295€12,998€13,336▲ 2.6%
Cash at bank and in hand54/58€112,044€22,114€28,494€55,440€53,676▼ 3.2%
Deferred charges and accrued income490/1-€14,678----
Equity and liabilities
Total equity and liabilities10/49€371,776€265,516€285,837€313,058€300,773▼ 3.9%
Equity10/15€70,650€16,495-€84,333-€83,797-€113,803▼ 35.8%
Contributions10/11€18,600€18,600€18,600€18,600€18,600=
Revaluation surpluses12€30,058€30,058€30,058€30,058€30,058=
Reserves13€21,992€1,860€1,860€1,860€1,860=
Non-distributable reserves130/1€1,860€1,860€1,860€1,860€1,860=
Reserves not available under the articles1311€1,860€1,860€1,860€1,860€1,860=
Distributable reserves133€20,132-----
Profit (loss) carried forward14--€34,023-€134,851-€134,316-€164,321▼ 22.3%
Amounts payable17/49€301,126€249,021€370,170€396,855€414,576▲ 4.5%
Amounts payable after more than one year17€167,260€134,278€122,518€85,888€56,919▼ 33.7%
Financial debts170/4€166,635€133,653€122,518€85,888€56,919▼ 33.7%
Other amounts payable178/9€625€625----
Amounts payable within one year42/48€133,866€114,743€247,652€310,968€357,657▲ 15.0%
Current portion of amounts payable after more than one year42€40,773€29,548€34,643€36,631€29,889▼ 18.4%
Trade debts44€54,298€46,289€169,256€204,630€93,384▼ 54.4%
Suppliers440/4€54,298€46,289€169,256€204,630€93,384▼ 54.4%
Taxes, remuneration and social security45€38,795€38,906€43,753€69,707€234,384▲ 236%
Taxes450/3€16,394€8,042€10,002€24,970€91,334▲ 266%
Remuneration and social security454/9€22,402€30,864€33,751€44,737€143,050▲ 220%
Other amounts payable47/48-€0----
Line20212022202320242025Change
Profit (loss) for the period9904€4,376-€54,155-€100,829€536-€30,006▼ 5,702%
+ Depreciation and write-downs630€26,853€22,185€25,169€19,398€19,742▲ 1.8%
Operating cash flow (approximation)€31,228-€31,970-€75,660€19,933-€10,264▼ 151%
Investment in fixed assets (approximation)--€2,899-€44,305-€18,124-€8,883▲ 51.0%
Change in cash--€89,930€6,380€26,946-€1,763▼ 107%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
31-08
NBB filing Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
18-06
Judicial reorganisation Opening
Tribunal de l’entreprise du Hainaut · collective agreement (SME) · event 01-06-2026
2025
30-09
NBB filing Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
31-12
Financial Back to profitnet €536
Net result €536 after 2 loss-making years.
30-09
NBB filing Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
28-02
NBB filing Annual accounts filed
fiscal year 2022 · micro schema · 212 days late
2023
31-12
Financial Weakest financial yearnet -€100,829
Net result drops to -€100,829, the lowest in the series; recovery starts the following year.
2022
29-08
NBB filing Annual accounts filed
fiscal year 2021 · full schema · 29 days late
2021
08-07
NBB filing Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial Highest result since 2018net €21,278 ▲410%
Operating result €35,498, net result €21,278, both a record.
31-12
Financial Liquidity doublescurrent ratio 1.22
Current ratio from 0.53 to 1.22; short-term debt falls from €158,706 to €78,611.
18-09
NBB filing Annual accounts filed
fiscal year 2019 · full schema · 49 days late
Show earlier events
2019
31-12
Financial Back to profitnet €4,171
Net result €4,171 after one loss-making year.
14-08
NBB filing Annual accounts filed
fiscal year 2018 · full schema · 14 days late
2018
27-08
NBB filing Annual accounts filed
fiscal year 2017 · full schema · 27 days late
2017
18-05
NBB filing Annual accounts filed
fiscal year 2016 · full schema
SignalFinancial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts

We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Have them read with priority Sign in to place this company at the front of the reading queue.

Directors · office · real estate

Directors
4 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, Mons · 1 establishment unit since 2008
seat establishment The establishment unit on the map
Ground area
768 m²
Building footprint
209 m²
Volume, LiDAR
1,038 m³
Parcel 53042B0140/00V002, Wallonia · tallest building 6.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
La Bergerie
Rue des Canadiens (H.) 130, 7022 MonsAgents in non-specialised wholesale trade
since 20082.168.716.003
1 parcel
Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
53042B0140/00V002 Wallonia 768 m² 1 · 209 m² 6.6 m · 2 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.

Recognitions · licences · registrations

Food safety, FASFC

1 site
Mons2.168.716.003
1 permission
Toelating · Eetgelegenheid · since 01-02-2008

Similar companies · same sector, comparable size

Of 20,509 companies in sector 56111 we hold annual accounts for 11,467. 8,392 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
Founded01-02-2008
Fiscal year end31-12
Activities, NACEBEL 2025
56111Full-service restaurants
Contact
E-invoicing
Reachable via Peppol
Peppol ID 0208:0895626635
Also 9925:BE0895626635
Registered 31-12-2025

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.