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COPPENS ALBERT

Active
Public limited companyfounded 199134 yrs activeVondelen(DE) 78, 9450 Haaltert, BelgiumKBO/BCE: BE 0445.641.259
Summary

COPPENS ALBERT has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €178,062 and a net result of -€2,486. Equity remains stable across the filed fiscal years (±0.2% per year). The computed 12-month bankruptcy probability is 0.6% (low).

Checked score

Score 2025
Axes · tick = 2024
Profitability17▼-51
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.6% Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13,000 at 30 days acceptable
short-term debt: 0.7% and cash: 82.5% of total assets, and 0.7% of the assets are financed with debt.
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Signals

Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · No NACE activity registered
No NACE activity is registered in the KBO, which is more common among companies that later fail.
KBO · activities
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 34 years 0 40 y
lowers risk · Lower-risk legal form
Companies with this legal form statistically fail less often than a BV.
KBO · legal form
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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
1 d early
2024
on the day
2023
23 d late
2022
6 d early
2021
22 d late
2020
3 d early
2019
37 d early
← before the deadline after the deadline →
tick = median of all Belgian filings

This company filed its last 7 accounts on average on the deadline day; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were 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 31 July (5 of the last 5 filed years within 30 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 5 November 1991, COPPENS ALBERT was incorporated.1 Total assets went from EUR 175,662 in 2018 to EUR 179,259 in 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2018 and 2025

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Financials · fiscal year 2025, abbreviated schema

Equity
€178,062▼ 1.4%
2024 · €180,548
Total assets
€179,259▼ 1.1%
2024 · €181,205
Net result
-€2,486▼ 131%
2024 · -€1,077
Working capital
€147,472▼ 1.2%
2024 · €149,247
Trend over the years

Click a name to add, emphasise or remove a line.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20212022202320242025
Operating result€5,098▲ 318%€438▼ 91.4%-€2,574-€1,003▲ 61.0%-€2,411▼ 140%
Net result€3,315▼ 25.1%€289▼ 91.3%-€2,703-€1,077▲ 60.2%-€2,486▼ 131%
Equity€184,039▲ 1.8%€184,327▲ 0.2%€181,625▼ 1.5%€180,548▼ 0.6%€178,062▼ 1.4%
Total assets€186,865▲ 1.8%€186,739▼ 0.1%€182,282▼ 2.4%€181,205▼ 0.6%€179,259▼ 1.1%
Debt€2,826▼ 1.1%€2,411▼ 14.7%€658▼ 72.7%€658=€1,197▲ 82.0%
Working capital€143,508▲ 5.2%€147,086▲ 2.5%€148,192▲ 0.8%€149,247▲ 0.7%€147,472▼ 1.2%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
-€4,000-€2,000€0€2,000€4,000€6,000Operating result 2021: €5,098€5,098Net result 2021: €3,315€3,315Operating result 2022: €438€438Net result 2022: €289€289Operating result 2023: -€2,574-€2,574Net result 2023: -€2,703-€2,703Operating result 2024: -€1,003-€1,003Net result 2024: -€1,077-€1,077Operating result 2025: -€2,411-€2,411Net result 2025: -€2,486-€2,48620212022202320242025-€3,000-€2,000-€1,000€0Operating result 2023: -€2,574-€2,570Net result 2023: -€2,703-€2,700Operating result 2024: -€1,003-€1,000Net result 2024: -€1,077-€1,080Operating result 2025: -€2,411-€2,410Net result 2025: -€2,486-€2,490202320242025
The operating result stays negative: a loss of €2,411 in 2025 against €1,003 in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €179,259
Fixed assets €30,590 ▼ 2.3%
Current assets €148,669 ▼ 0.8%
Equity and liabilities €179,259
Equity €178,062 ▼ 1.4%
Debt €1,197 ▲ 82.0%
Debt's share of the balance-sheet total rises from 0.4% to 0.7%. Equity is lower and debt is higher.
Key figures and ratios
2025 value · change against 2024
EBITDA
-€1,700▼
2024 · €1,128
Cash flow
-€1,775▼
2024 · €1,054
Debt to equity
0.01▲
2024 · 0.00
ROE
-1.4%▼
2024 · -0.6%
ROA
-1.4%▼
2024 · -0.6%
Interest coverage
-22.67▼
2024 · 15.35
Debt ≤ 1 year
€1,197▲
2024 · €658
A ratio outside any meaningful range has been withheld (balance sheet total €179,259, equity €178,062).
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 12,321 companies that looked in July 2024 the way this one looks now, 0.7% went bankrupt within 24 months and 90% are still going.

  • Micro
  • 20 years or older
  • solvency 30% or more
  • a small loss
0.7% went bankrupt
8.6% stopped otherwise
90% still going

A further 0.5% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 0.6% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.5%
3 0.5% 0.6%
4 0.7% 0.8%
5 0.9% 1.0%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.8%
9 3.0% 3.1%
10 5.6% 6.2%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 12,321 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 32 lines
Balance sheet Code20242025
Assets
Total assets20/58€181,205€179,259▼
Fixed assets21/28€31,301€30,590▼
Tangible fixed assets22/27€31,301€30,590▼
Land and buildings22€31,301€30,590▼
Current assets29/58€149,905€148,669▼
Cash at bank and in hand54/58€149,046€147,803▼
Deferred charges and accrued income490/1€858€866▲
Equity and liabilities
Total equity and liabilities10/49€181,205€179,259▼
Equity10/15€180,548€178,062▼
Contributions10/11€152,455€152,455=
Capital10€152,455€152,455=
Issued capital100€152,455€152,455=
Reserves13€28,093€25,607▼
Non-distributable reserves130/1€4,058€4,058=
Legal reserve130€4,058€4,058=
Distributable reserves133€24,035€21,550▼
Amounts payable17/49€658€1,197▲
Amounts payable within one year42/48€658€1,197▲
Trade debts44-€540
Suppliers440/4-€540
Other amounts payable47/48€658€658=
Income statement Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2,131€711▼
Other operating charges640/8€1,336€1,378▲
Gross operating margin9900€2,464-€322▼
Operating profit (loss)9901-€1,003-€2,411▼
Financial charges65/66B€74€75▲
Recurring financial charges65€74€75▲
Profit (loss) for the period before taxes9903-€1,077-€2,486▼
Profit (loss) for the period9904-€1,077-€2,486▼
Profit (loss) for the period to be appropriated9905-€1,077-€2,486▼
Appropriation of the result
Profit (loss) to be appropriated9906-€1,077-€2,486▼
Transfer from equity791/2€1,077€2,486▲

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20212022202320242025Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3,809€3,809€3,809€2,131€711▼ 66.7%
Other operating charges640/8€1,159€1,146€1,293€1,336€1,378▲ 3.1%
Gross operating margin9900€10,067€5,394€2,528€2,464-€322▼ 113%
Operating profit (loss)9901€5,098€438-€2,574-€1,003-€2,411▼ 140%
Financial income75/76B€97€12----
Recurring financial income75€97€12----
Financial charges65/66B€261€57€129€74€75▲ 2.0%
Recurring financial charges65€261€57€129€74€75▲ 2.0%
Profit (loss) for the period before taxes9903€4,934€394-€2,703-€1,077-€2,486▼ 131%
Income taxes67/77€1,620€105----
Profit (loss) for the period9904€3,315€289-€2,703-€1,077-€2,486▼ 131%
Profit (loss) for the period to be appropriated9905€3,315€289-€2,703-€1,077-€2,486▼ 131%
Line20212022202320242025Change
Assets
Total assets20/58€186,865€186,739€182,282€181,205€179,259▼ 1.1%
Fixed assets21/28€41,051€37,241€33,432€31,301€30,590▼ 2.3%
Tangible fixed assets22/27€41,051€37,241€33,432€31,301€30,590▼ 2.3%
Land and buildings22€41,051€37,241€33,432€31,301€30,590▼ 2.3%
Current assets29/58€145,814€149,497€148,850€149,905€148,669▼ 0.8%
Cash at bank and in hand54/58€145,814€149,497€148,850€149,046€147,803▼ 0.8%
Deferred charges and accrued income490/1---€858€866▲ 0.9%
Equity and liabilities
Total equity and liabilities10/49€186,865€186,739€182,282€181,205€179,259▼ 1.1%
Equity10/15€184,039€184,327€181,625€180,548€178,062▼ 1.4%
Contributions10/11€152,455€152,455€152,455€152,455€152,455=
Capital10€152,455€152,455€152,455€152,455€152,455=
Issued capital100€152,455€152,455€152,455€152,455€152,455=
Reserves13€31,584€31,873€29,170€28,093€25,607▼ 8.8%
Non-distributable reserves130/1€3,769€4,058€4,058€4,058€4,058=
Legal reserve130€3,769€4,058€4,058€4,058€4,058=
Distributable reserves133€27,815€27,815€25,112€24,035€21,550▼ 10.3%
Amounts payable17/49€2,826€2,411€658€658€1,197▲ 82.0%
Amounts payable within one year42/48€2,306€2,411€658€658€1,197▲ 82.0%
Trade debts44----€540-
Suppliers440/4----€540-
Taxes, remuneration and social security45€1,648€1,753----
Taxes450/3€1,648€1,753----
Other amounts payable47/48€658€658€658€658€658=
Accrued charges and deferred income492/3€520-----
Line20212022202320242025Change
Profit (loss) for the period9904€3,315€289-€2,703-€1,077-€2,486▼ 131%
+ Depreciation and write-downs630€3,809€3,809€3,809€2,131€711▼ 66.7%
Operating cash flow (approximation)€7,124€4,098€1,106€1,054-€1,775▼ 268%
Investment in fixed assets (approximation)-€0€0€0€0-
Change in cash-€3,683-€647€196-€1,243▼ 734%

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
30-07
NBB filing Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-07
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
2024
23-08
NBB filing Annual accounts filed
fiscal year 2023 · micro schema · 23 days late
2023
31-12
Financial Weakest financial yearnet -€2,703
Net result drops to -€2,703, the lowest in the series; recovery starts the following year.
31-12
Financial Liquidity quadruplescurrent ratio 226.31
Current ratio from 62.00 to 226.31; short-term debt falls from €2,411 to €658.
25-07
NBB filing Annual accounts filed
fiscal year 2022 · micro schema
2022
22-08
NBB filing Annual accounts filed
fiscal year 2021 · micro schema · 22 days late
2021
28-07
NBB filing Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial Highest result since 2018net €4,423 ▲114%
Net result €4,423, the highest in the series.
24-06
NBB filing Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial Back to profitnet €2,066
Net result €2,066 after one loss-making year.
20-06
NBB filing Annual accounts filed
fiscal year 2018 · micro schema
2018
20-06
NBB filing Annual accounts filed
fiscal year 2017 · micro schema
2017
24-07
NBB filing Annual accounts filed
fiscal year 2016 · micro schema
Financial 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.

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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, Haaltert
exact location from the address register On OpenStreetMap
Ground area
649 m²
Building footprint
226 m²
Volume, LiDAR
1,001 m³
Parcel 41010A0317/00Z000, Flanders · tallest building 10.0 m, ±1 floor. Linked by address, not a title deed.
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
41010A0317/00Z000 Flanders 649 m² 1 · 226 m² 10.0 m · 1 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.

Identification & contact

Identification
Legal formPublic limited company
Founded05-11-1991
Fiscal year end31-12
E-invoicing
Reachable via Peppol
Peppol ID 0208:0445641259
Also 9925:BE0445641259
Registered 01-12-2025

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.