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Generated 16-07-2026
Active BE 0759.570.970Cooperative company

COPPER & LIGHT

Vaartkom 4 ·3000 Leuven, Belgium· 5 yrs active
Sector: NACE 82990 (82990)
Conclusion Checked

The computed 12-month bankruptcy probability of COPPER & LIGHT is 0.3% (very low). The 2024 annual accounts show negative equity (€-11k) and a net result of €733. Equity is shrinking by ~97.6% per year across the filed fiscal years. Its solvency ranks better than 9% of 3157 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 4 annual accounts.
Key figures
Equity €-11k
Net result €733
Better than sector 9%
Active 5 yrs
Snowflake analysis 5 axes · computed by Checked
Health46Profitability0Solvency58Growth58Stability94
51 / 100

Mixed profile: strong on stability, weaker on profitability.

Health 46
Profitability 0
Solvency 58
Growth 58
Stability 94
Bankruptcy probability (12 mo) Checked model v1 · free
0.3% Very low
0%0,5%1,5%4%10%≥25%
Lower-risk legal form −Young company +Lower-failure-rate sector −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 3 signals
More than 3 years active
Founded in 2020, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).
Administrative Flags 0 events
No administrative flags
Health barometer FY 2024 · computed
46 / 100 Fair
050100

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Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.
Financial overview4 NBB filings
Annual accounts filed on 30-09-2025 with the NBB · fiscal year 2024 · micro
€-80k€-60k€-40k€-20k€0Operating result 2021: €-5k€-5kNet result 2021: €-5k€-5kOperating result 2022: €-50k€-50kNet result 2022: €-50k€-50kOperating result 2023: €-64k€-64kNet result 2023: €-64k€-64kOperating result 2024: €864€864Net result 2024: €733€7332021202220232024
Operating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
declining Equity: declining trend of ~97.6%/year over 4 fiscal years, indicative, assuming unchanged policy.
€-100k€-50k€0€50k2025: €-38k (€-39k - €-37k)2026: €-65k (€-67k - €-63k)2027: €-91k (€-94k - €-88k)2021: €68k2022: €42k2023: €-12k2024: €-11k2021202220232024202520262027
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison
Fiscal year 2024 · NACE 82 · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency -21.0% 53.7%
better than 9% of 3157 sector peers
Net result €733 €18k
better than 23% of 3155 sector peers
Equity €-11k €40k
better than 7% of 3158 sector peers
Gross operating margin €2k €36k
better than 15% of 3155 sector peers
Total assets €53k €93k
better than 31% of 3161 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€1k
- +88% vs sector
Net profit
€733
- far above sector median
Cash flow
€953
- -43% vs sector
Total assets
€53k
-26.2% -81% vs sector
Equity
€-11k
+6.1% far below sector median
Working capital
€20k
-45.1% -75% vs sector
Debt
€64k
-23.4% -19% vs sector
Debt ≤ 1y
€32k
-5.7% -40% vs sector
Debt > 1y
€32k
-30.1% +27% vs sector
Current ratio
1.63
-21.7% +22% vs sector
Quick ratio
1.63
-21.7% +51% vs sector
Solvency
-21.0%
-27.2% far below sector median
Debt / equity
-5.75
+18.4% far below sector median
ROE
-6.5%
- +7% vs sector
ROA
1.4%
- far above sector median
Interest coverage
8.27
- far above sector median
Figures by fiscal year
Fiscal year2024
Revenue-
EBITDA€1k
Net profit€733
Cash flow€953
Staff costs-
Income taxes-
Dividends-
Total assets€53k
Equity€-11k
Debt€64k
of which ≤ 1y€32k
of which > 1y€32k
Working capital€20k
Employees (FTE)-
Ratios (computed)
2024
Current ratio1.63
Quick ratio1.63
Working capital ratio38.2%
Solvency-21.0%
Debt / equity-5.75
Long-term debt ratio-2.86
Interest coverage8.27
Gross margin-
Net margin-
ROA1.4%
ROE-6.5%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€53k
Formation expenses 20€440
Current assets 29/58€53k
Amounts receivable within one year 40/41€21k
Cash & bank 54/58€32k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€53k
Equity 10/15€-11k
Contributions / capital 10/11€108k
Accumulated profits (losses) 14€-119k
Amounts payable 17/49€64k
Amounts payable after one year 17€32k
Amounts payable within one year 42/48€32k
Trade debts payable within one year 44€17k
Income statement
Gross operating margin 9900€2k
Operating result 9901€864
Financial charges 65€131
Result before taxes 9903€733
Net result for the period 9904€733
Result to be appropriated 9905€733
You're seeing the latest fiscal year only. Unlock 3 prior years (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.
Legal Structure
NACE primary 82990
Legal form Cooperative company(706)
Incorporation08-12-2020
StatusActive
Postal code3000
Establishment units 1 location
COPPER & LIGHT
Vaartkom 4, 3000 LeuvenHandelsbemiddeling in de groothandel in andere specifieke goederen
since 20202.318.146.085
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
24062A0021/02E000 Flanders 1,850 m² 1 · 1,813 m² 16.9 m · 4 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 7 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025
30-09-2025
NBB filing Annual accounts filed
fiscal year 2024 · micro
2024
13-08-2024
State Gazette act Director changes
24-06-2024
NBB filing Annual accounts filed
fiscal year 2023 · micro
05-02-2024
State Gazette act Director changes
2023
22-06-2023
NBB filing Annual accounts filed
fiscal year 2022 · micro
17-01-2023
State Gazette act Director changes
2022
24-06-2022
NBB filing Annual accounts filed
fiscal year 2021 · micro
Belgisch Staatsblad, acts 3 acts
All acts · 3 updated 1 year ago
2024
13-08-2024 4 directors appointed, 4 resigning Director changes
  • Sander Jansens, Bestuurder
  • Bram Verstraeten, Bestuurder
  • Justine Lambrechts, Bestuurder
  • Filip Libin Casteleyn Lode, Bestuurder
  • Heleen Seys, Bestuurder
  • Isabelle Reynders, Bestuurder
  • Aertsen Patrick, Bestuurder
  • Somers Edwin, Bestuurder
Technical details 
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      "role": "bestuurder",
      "person": {
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        "name": "Heleen Seys",
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        "birth_date": null,
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      },
      "reason": "de_plein_droit_dissolution",
      "subkind": null,
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": "2024-06-15",
      "evidence_quote": "De algemene vergadering beslist het ontslag van Heleen Seys, Isabelle Reynders, Aertsen Patrick en Somers Edwin te aanvaarden op datum van 15 juni 2024.",
      "decharge_status": "granted",
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    },
    {
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        "name": "Isabelle Reynders",
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      "reason": "de_plein_droit_dissolution",
      "subkind": null,
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      "effective_date": "2024-06-15",
      "evidence_quote": "De algemene vergadering beslist het ontslag van Heleen Seys, Isabelle Reynders, Aertsen Patrick en Somers Edwin te aanvaarden op datum van 15 juni 2024.",
      "decharge_status": "granted",
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      },
      "reason": "de_plein_droit_dissolution",
      "subkind": null,
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      "compensated": null,
      "effective_date": "2024-06-15",
      "evidence_quote": "De algemene vergadering beslist het ontslag van Heleen Seys, Isabelle Reynders, Aertsen Patrick en Somers Edwin te aanvaarden op datum van 15 juni 2024.",
      "decharge_status": "granted",
      "mandate_duration": null,
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    },
    {
      "kind": "director_out",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Somers Edwin",
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      },
      "reason": "de_plein_droit_dissolution",
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      "compensated": null,
      "effective_date": "2024-06-15",
      "evidence_quote": "De algemene vergadering beslist het ontslag van Heleen Seys, Isabelle Reynders, Aertsen Patrick en Somers Edwin te aanvaarden op datum van 15 juni 2024.",
      "decharge_status": "granted",
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      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
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    },
    {
      "kind": "director_in",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Sander Jansens",
        "address": null,
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      },
      "reason": null,
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      "effective_date": null,
      "evidence_quote": "De algemene vergadering beslist tot nieuwe bestuurders te benoemen voor een termijn van 4 jaar eindigend op de jaarvergadering van 2028: Sander Jansens, Bram Verstraeten, Justine Lambrechts en Filip Libin Casteleyn Lode",
      "decharge_status": null,
      "mandate_duration": {
        "kind": "n_years",
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    },
    {
      "kind": "director_in",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Bram Verstraeten",
        "address": null,
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": null,
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "De algemene vergadering beslist tot nieuwe bestuurders te benoemen voor een termijn van 4 jaar eindigend op de jaarvergadering van 2028: Sander Jansens, Bram Verstraeten, Justine Lambrechts en Filip Libin Casteleyn Lode",
      "decharge_status": null,
      "mandate_duration": {
        "kind": "n_years",
        "value": "4"
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      "rep_rotation_old_rep": null,
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    },
    {
      "kind": "director_in",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Justine Lambrechts",
        "address": null,
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        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": null,
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "De algemene vergadering beslist tot nieuwe bestuurders te benoemen voor een termijn van 4 jaar eindigend op de jaarvergadering van 2028: Sander Jansens, Bram Verstraeten, Justine Lambrechts en Filip Libin Casteleyn Lode",
      "decharge_status": null,
      "mandate_duration": {
        "kind": "n_years",
        "value": "4"
      },
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
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    },
    {
      "kind": "director_in",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Filip Libin Casteleyn Lode",
        "address": null,
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": null,
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": null,
      "evidence_quote": "De algemene vergadering beslist tot nieuwe bestuurders te benoemen voor een termijn van 4 jaar eindigend op de jaarvergadering van 2028: Sander Jansens, Bram Verstraeten, Justine Lambrechts en Filip Libin Casteleyn Lode",
      "decharge_status": null,
      "mandate_duration": {
        "kind": "n_years",
        "value": "4"
      },
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": null
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": null,
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2024-08-13",
    "filing_date": "2024-07-31",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decisions": [
    {
      "body": "algemene_vergadering",
      "date": "2024-06-15",
      "unanimous": null
    }
  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "0759.570.970",
    "name_full": "Copper \u0026 Light",
    "legal_form": "cvso",
    "_kbo_filled_from_list": true
  },
  "publication_proxy": {
    "kind": "none",
    "org_kbo": null,
    "org_name": null,
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    "org_rep_person_name": null,
    "person_role_at_subject": null
  },
  "co_filed_documents": [],
  "corrected_publication_numac": null
}
05-02-2024 Mandate of Stefaan Vandelacluze as daily management expired Director changes
  • Stefaan Vandelacluze, Dagelijks bestuur
Technical details 
{
  "events": [
    {
      "kind": "director_out",
      "role": "dagelijks_bestuur",
      "person": {
        "rrn": null,
        "name": "Stefaan Vandelacluze",
        "address": null,
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      },
      "reason": "end_of_term",
      "subkind": null,
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": "2023-12-20",
      "evidence_quote": "De raad van bestuur geeft de opdracht aan Stefaan Vandelacluze om het einde van zijn mandaat als dagelijks bestuurder te publiceren in het staatsblad, op datum van deze vergadering, zijnde 20-12-2023.",
      "decharge_status": null,
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    }
  ],
  "notary": {
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  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2024-02-05",
    "filing_date": "2024-01-25",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decisions": [
    {
      "body": "raad_van_bestuur",
      "date": "2023-12-20",
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    }
  ],
  "is_correction": false,
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  "publication_proxy": {
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    "org_name": null,
    "person_name": "Patrick Aertsen",
    "org_rep_person_name": null,
    "person_role_at_subject": "Voorzitter"
  },
  "co_filed_documents": [],
  "corrected_publication_numac": null
}
2023
17-01-2023 3 directors appointed Director changes
  • Heleen Seys, Bestuurder
  • Isabelle Reynders, Bestuurder
  • Lode, Bestuurder
Technical details 
{
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      "kind": "director_in",
      "role": "bestuurder",
      "person": {
        "rrn": "92.10.19-230.38",
        "name": "Heleen Seys",
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      "evidence_quote": "Akkoord voor het co\u00F6pteren als bestuurder van: Heleen Seys met rijksregisternummer: 92.10.19-230.38",
      "decharge_status": null,
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    },
    {
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        "name": "Lode",
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      },
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      "evidence_quote": "De rvb stelt Lode voor als bestuurder.",
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  ],
  "notary": {
    "name": null,
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    "office_city": "Leuven",
    "is_associated": false
  },
  "act_meta": {
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    "act_kind_objet": "Onderwerp akte:"
  },
  "decisions": [
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      "body": "enig_aandeelhouder_schriftelijk",
      "date": "2022-09-08",
      "unanimous": true
    }
  ],
  "is_correction": false,
  "subject_company": {
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    "name_full": "Copper \u0026 Light",
    "legal_form": "cvso"
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
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    "person_name": "Stefaan Vandelacluze",
    "org_rep_person_name": null,
    "person_role_at_subject": "gedelegeerd bestuurder"
  },
  "co_filed_documents": [
    "exes du Moniteur belge"
  ],
  "corrected_publication_numac": null
}
Credit advice verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
AI due-diligence brief Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

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Company registry (CBE) Crossroads Bank
Activities
Overige zakelijke dienstverlening, n.e.g.82990Overige zakelijke dienstverlening, neg82990Handelsbemiddeling gespecialiseerd in andere goederen46180Handelsbemiddeling in de groothandel in andere specifieke goederen46180Hoger onderwijs, neg85409Hoger onderwijs, n.e.g.85429Overige vormen van onderwijs85599Overige vormen van onderwijs85599
Primary activity highlighted.
Names & trade names
Legal nameNL COPPER & LIGHT
AbbreviationNL C&L
Registered office
Vaartkom 4
3000 Leuven, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative