COPPENS & PARTNER
ActiveSummary
COPPENS & PARTNER has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €10,000 and a net result of €11,906. Equity is shrinking by ~7.5% per year across the filed fiscal years. Its solvency ranks better than 35% of 4695 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability81▲+10
Solvency33▼-26
Growth32▼-20
Track record94
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity short (current ratio 0.59 against 0.85 in 2024; short-term debt: 77.8% and cash: 30.2% of total assets), and 92% of the assets are financed with debt.
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Signals
Three signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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
8%
Return on assets
9.6%
Age of the figures
9 mo
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 14-07-2026, 17 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
17 d early
2024
on the day
2023
on the day
2022
70 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 4 accounts on average 22 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 48% 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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€10,000▼ 79.0%
2024 · €47,647
Total assets
€124,567▼ 10.3%
2024 · €138,857
Net result
€11,906▲ 339%
2024 · €2,713
Working capital
-€39,273▼ 347%
2024 · -€8,785
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 96, Personal service activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line2022202320242025
Operating result€31,360-€13,308▼ 57.6%€6,177▼ 53.6%€17,744▲ 187%
Net result€26,577above the sector's middle half-€8,357within the sector's middle half▼ 68.6%€2,713within the sector's middle half▼ 67.5%€11,906within the sector's middle half▲ 339%
Equity€36,577within the sector's middle half-€44,934within the sector's middle half▲ 22.8%€47,647within the sector's middle half▲ 6.0%€10,000within the sector's middle half▼ 79.0%
Total assets€184,164within the sector's middle half-€156,572within the sector's middle half▼ 15.0%€138,857within the sector's middle half▼ 11.3%€124,567within the sector's middle half▼ 10.3%
Debt€147,587-€111,639▼ 24.4%€91,210▼ 18.3%€114,567▲ 25.6%
Working capital-€35,847--€25,535▲ 28.8%-€8,785▲ 65.6%-€39,273▼ 347%
Solvency19.9%within the sector's middle half-28.7%within the sector's middle half▲ 8.8pp34.3%within the sector's middle half▲ 5.6pp8.0%within the sector's middle half▼ 26.3pp
Staff (FTE)1-1=
above
within
below
the middle half (P25 to P75) of NACE 96, Personal service activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 187% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €124,567
Fixed assets
€66,937 ▼ 25.4%
Current assets
€57,631 ▲ 17.4%
Equity and liabilities €124,567
Equity
€10,000 ▼ 79.0%
Debt
€114,567 ▲ 25.6%
Debt's share of the balance-sheet total rises from 65.7% to 92.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€52,483▲
2024 · €38,690
Cash flow
€46,645▲
2024 · €35,226
Current ratio
0.59▼
2024 · 0.85
Quick ratio
0.47▼
2024 · 0.63
Debt to equity
11.46▲
2024 · 1.91
ROE
119.1%▲
2024 · 5.7%
ROA
9.6%▲
2024 · 2.0%
Interest coverage
31.95▲
2024 · 17.84
Debt ≤ 1 year
€96,904▲
2024 · €57,871
Debt > 1 year
€17,663▼
2024 · €33,339
Income taxes
€4,197▲
2024 · €1,295
Staff costs
€35,125▲
2024 · €33,427
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 2,155 companies that looked in July 2024 the way this one looks now, 2.6% went bankrupt within 24 months and 94% are still going.
- Micro
- 2 to 5 years old
- solvency under 10%
- a profit of 5% of the balance sheet or more
2.6%
went bankrupt
2.6%
stopped otherwise
94%
still going
A further 0.7% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.3% 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 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
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 2,155 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
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €20,782 | €30,871 | €33,427 | €35,125 | ▲ 5.1% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €9,862 | €31,243 | €32,513 | €34,739 | ▲ 6.8% |
| Other operating charges640/8 | €962 | €493 | €173 | €968 | ▲ 459% |
| Gross operating margin9900 | €62,966 | €75,916 | €72,291 | €88,576 | ▲ 22.5% |
| Operating profit (loss)9901 | €31,360 | €13,308 | €6,177 | €17,744 | ▲ 187% |
| Financial income75/76B | €0 | €1 | €0 | €1 | ▲ 1,025% |
| Recurring financial income75 | €0 | €1 | €0 | €1 | ▲ 1,025% |
| Financial charges65/66B | €255 | €2,788 | €2,169 | €1,642 | ▼ 24.3% |
| Recurring financial charges65 | €255 | €2,788 | €2,169 | €1,642 | ▼ 24.3% |
| Profit (loss) for the period before taxes9903 | €31,104 | €10,521 | €4,008 | €16,103 | ▲ 302% |
| Income taxes67/77 | €4,527 | €2,164 | €1,295 | €4,197 | ▲ 224% |
| Profit (loss) for the period9904 | €26,577 | €8,357 | €2,713 | €11,906 | ▲ 339% |
| Profit (loss) for the period to be appropriated9905 | €26,577 | €8,357 | €2,713 | €11,906 | ▲ 339% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €184,164 | €156,572 | €138,857 | €124,567 | ▼ 10.3% |
| Fixed assets21/28 | €113,085 | €118,938 | €89,771 | €66,937 | ▼ 25.4% |
| Tangible fixed assets22/27 | €113,085 | €118,938 | €89,771 | €66,937 | ▼ 25.4% |
| Plant, machinery and equipment23 | €32,487 | €53,904 | €40,347 | €30,346 | ▼ 24.8% |
| Furniture and vehicles24 | €56,913 | €46,788 | €34,748 | €27,783 | ▼ 20.0% |
| Other tangible fixed assets26 | €23,684 | €18,247 | €14,676 | €8,808 | ▼ 40.0% |
| Current assets29/58 | €71,079 | €37,634 | €49,086 | €57,631 | ▲ 17.4% |
| Stocks and contracts in progress3 | €7,500 | €12,500 | €12,445 | €12,400 | ▼ 0.4% |
| Stocks30/36 | €7,500 | €12,500 | €12,445 | €12,400 | ▼ 0.4% |
| Amounts receivable within one year40/41 | €1,981 | €16,694 | €4,937 | €5,595 | ▲ 13.3% |
| Trade receivables40 | €285 | €8,278 | €232 | €890 | ▲ 283% |
| Other amounts receivable41 | €1,695 | €8,417 | €4,705 | €4,705 | = |
| Cash at bank and in hand54/58 | €60,156 | €8,386 | €29,835 | €37,559 | ▲ 25.9% |
| Deferred charges and accrued income490/1 | €1,443 | €54 | €1,869 | €2,077 | ▲ 11.2% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €184,164 | €156,572 | €138,857 | €124,567 | ▼ 10.3% |
| Equity10/15 | €36,577 | €44,934 | €47,647 | €10,000 | ▼ 79.0% |
| Contributions10/11 | €10,000 | €10,000 | €10,000 | €10,000 | = |
| Profit (loss) carried forward14 | €26,577 | €34,934 | €37,647 | - | - |
| Amounts payable17/49 | €147,587 | €111,639 | €91,210 | €114,567 | ▲ 25.6% |
| Amounts payable after more than one year17 | €40,661 | €48,470 | €33,339 | €17,663 | ▼ 47.0% |
| Financial debts170/4 | €40,661 | €48,470 | €33,339 | €17,663 | ▼ 47.0% |
| Amounts payable within one year42/48 | €106,926 | €63,169 | €57,871 | €96,904 | ▲ 67.4% |
| Current portion of amounts payable after more than one year42 | €9,339 | €14,605 | €15,131 | €15,676 | ▲ 3.6% |
| Financial debts43 | - | €5,120 | - | - | - |
| Other loans439 | - | €5,120 | - | - | - |
| Trade debts44 | €1,242 | €4,554 | €11,082 | €5,267 | ▼ 52.5% |
| Suppliers440/4 | €1,242 | €4,554 | €11,082 | €5,267 | ▼ 52.5% |
| Advances received on contracts in progress46 | - | - | €568 | - | - |
| Taxes, remuneration and social security45 | €6,171 | €6,259 | €6,164 | €13,649 | ▲ 121% |
| Taxes450/3 | €4,527 | €4,527 | €511 | €7,299 | ▲ 1,327% |
| Remuneration and social security454/9 | €1,643 | €1,732 | €5,653 | €6,350 | ▲ 12.3% |
| Other amounts payable47/48 | €90,174 | €32,631 | €24,925 | €62,312 | ▲ 150% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €26,577 | €8,357 | €2,713 | €11,906 | ▲ 339% |
| + Depreciation and write-downs630 | €9,862 | €31,243 | €32,513 | €34,739 | ▲ 6.8% |
| Operating cash flow (approximation) | €36,439 | €39,599 | €35,226 | €46,645 | ▲ 32.4% |
| Investment in fixed assets (approximation) | - | -€37,096 | -€3,346 | -€11,904 | ▼ 256% |
| Change in cash | - | -€51,770 | €21,449 | €7,724 | ▼ 64.0% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
14-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €2,713 ▼67.5%
Net result drops to €2,713, the lowest in the series; recovery starts the following year.
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
22-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Grobbendonk · 1 establishment unit since 2021
Ground area
952 m²
Building footprint
202 m²
Volume, LiDAR
981 m³
Parcel 13010B0108/00A002, Flanders · tallest building 6.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Maison Loren
since 20212.325.720.597
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13010B0108/00A002 | Flanders | 952 m² | 1 · 202 m² | 6.7 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.
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Of 24,865 companies in sector 96220 we hold annual accounts for 1,441. 1,078 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
Founded28-12-2021
Fiscal year end31-12
Activities, NACEBEL 2025
96220Beauty care and other beauty treatments
41001General construction of residential buildings
43990Other specialised construction activities
47120Other non-specialised retail sale
68110Buying and selling of own real estate
96210Hairdressing and barber services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0779449933
Also
9925:BE0779449933
Registered
26-03-2026
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.