COPPER FINANCE
ActiveCOPPER FINANCE 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 €208k and a net result of €40k. Equity is shrinking by ~5.6% per year across the filed fiscal years. Its solvency ranks better than 75% of 1457 sector peers (fiscal year 2025). The company has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €208k
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 15-07-2026, 16 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
16 d early
2024
29 d late
2023
6 d early
2022
30 d late
2021
4 d late
2020
61 d late
2019
89 d late
← before the deadline
after the deadline →
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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€208k▲ 24.0%
2024 · €168k
2018: €270k
2019: €280k
2020: €283k
2021: €293k
2022: €111k
2023: €129k
2024: €168k
2018 → 2025
Net result
€40k▲ 4.1%
2024 · €39k
2018: €10k
2019: €10k
2020: €3k
2021: €10k
2022: €18k
2023: €18k
2024: €39k
2018 → 2025
Total assets
€304k▲ 6.0%
2024 · €286k
2018: €351k
2019: €432k
2020: €368k
2021: €367k
2022: €182k
2023: €226k
2024: €286k
2018 → 2025
Solvency
68.4%▲ 9.9pp
2024 · 58.5%
2018: 76.9%
2019: 64.7%
2020: 76.8%
2021: 79.9%
2022: 60.8%
2023: 57.0%
2024: 58.5%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€293k-€111k▼ 62.2%€129k▲ 16.5%€168k▲ 29.9%€208k▲ 24.0%
Operating result€17k-€23k▲ 35.7%€26k▲ 14.5%€52k▲ 99.0%€53k▲ 2.2%
Net result€10k-€18k▲ 70.6%€18k▲ 3.0%€39k▲ 112%€40k▲ 4.1%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 2% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €304k
Fixed assets
€4k▼ 12.0%
Current assets
€299k▲ 6.4%
Equity and liabilities €304k
Equity
€208k▲ 24.0%
Debt
€96k▼ 19.3%
The debt ratio falls from 41.5% to 31.6%: equity grows while debt is paid down.
Key figures and ratios
Solvency
68.4%▲
2024 · 58.5%
ROE
19.3%▼
2024 · 23.0%
ROA
13.2%▼
2024 · 13.5%
Debt
€96k▼
2024 · €119k
Debt ≤ 1 year
€91k▼
2024 · €119k
Income taxes
€14k▲
2024 · €13k
Staff costs
€14k▲
2024 · €13k
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€286k€304k▲
Fixed assets21/28€5k€4k▼
Tangible fixed assets22/27€5k€4k▼
Land and buildings22€5k€4k▼
Furniture and vehicles24€0-
Current assets29/58€281k€299k▲
Amounts receivable within one year40/41€3k€2k▼
Other amounts receivable41€3k€2k▼
Current investments50/53-€160k
Cash at bank and in hand54/58€278k€137k▼
Deferred charges and accrued income490/1€576€202▼
Equity and liabilities
Total equity and liabilities10/49€286k€304k▲
Equity10/15€168k€208k▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€106k€146k▲
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Distributable reserves133€100k€140k▲
Amounts payable17/49€119k€96k▼
Amounts payable within one year42/48€119k€91k▼
Financial debts43-€5k
Credit institutions430/8-€5k
Trade debts44€44k€84k▲
Suppliers440/4€44k€84k▲
Advances received on contracts in progress46€69k€0▼
Taxes, remuneration and social security45€5k€2k▼
Taxes450/3€3k€0▼
Remuneration and social security454/9€2k€2k▲
Other amounts payable47/48€669€669=
Accrued charges and deferred income492/3-€4k
Income statement
Code20242025
Remuneration, social security and pensions62€13k€14k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€957€593▼
Other operating charges640/8€6k€6k▼
Gross operating margin9900€73k€74k▲
Operating profit (loss)9901€52k€53k▲
Financial income75/76B€357€808▲
Recurring financial income75€357€808▲
Financial charges65/66B€276€78▼
Recurring financial charges65€276€78▼
Profit (loss) for the period before taxes9903€52k€54k▲
Income taxes67/77€13k€14k▲
Profit (loss) for the period9904€39k€40k▲
Profit (loss) for the period to be appropriated9905€39k€40k▲
Appropriation of the result
Profit (loss) to be appropriated9906€39k€40k▲
Transfer to equity691/2€39k€40k▲
To other reserves6921€39k€40k▲
The notes to these accounts (10 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
15-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €40k ▲4.1%
Operating result €53k, net result €40k, both a record.
31-12
Financial
Equity above €200kEq €208k ▲24%
8 profitable years in a row build equity to €208k.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Equity above €150kEq €168k ▲29.9%
7 profitable years in a row build equity to €168k.
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
04-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 4 days late
2021
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 61 days late
2020
31-12
Financial
Weakest financial yearnet €3k ▼67.8%
Net result drops to €3k, the lowest in the series; recovery starts the following year.
28-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 89 days late
2019
03-10
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 64 days late
2018
23-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 84 days late
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 60 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Grimbergen · 1 establishment unit since 1994
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.
Sint-Annalaan 2091853 GrimbergenGround area
688 m²
Building footprint
433 m²
Volume, LiDAR
4,140 m³
2 parcels, Flanders · tallest building 12.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
COPPER & CO WEMMEL
since 19942.065.484.445
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22662B0068/00C002 | Flanders | 467 m² | 1 · 330 m² | 12.3 m · 3 fl. |
| 23084A0286/00P003 | Flanders | 220 m² | 1 · 103 m² | 12.1 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 1,679 companies in sector 66191 we hold annual accounts for 1,227. 1,100 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded13-01-1994
Fiscal year end31-12
Activities, NACEBEL
66191Agents and brokers in banking services
Sources
Crossroads Bank for EnterprisesNational Bank · 32 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.