COPPOLA
ActiveSummary
COPPOLA has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €124,214 and a net result of -€15,971. Equity is growing by ~16.4% per year across the filed fiscal years. Its solvency ranks better than 62% of 7625 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability10▼-47
Solvency80▲+19
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7,000 at 30 days acceptable
Liquidity ample (current ratio 2.08 against 1.58 in 2024; short-term debt: 44.6% and cash: 55.6% of total assets), and 44.6% 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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Construction of residential and non-residential buildings (NACE 41)
about 67% more bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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 30-06-2026, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
31 d early
2024
37 d early
2023
36 d early
2022
10 d late
2021
25 d late
2020
18 d late
2019
17 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 5 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 46% 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 June (4 of the last 5 filed years within 41 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you trust this company with building work?Contractor check Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark
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Financials · fiscal year 2025, micro schema
In the rankings
#8 oldest company in Quaregnon, Construction sector
Equity
€124,214▼ 11.4%
2024 · €140,185
Total assets
€224,138▼ 42.2%
2024 · €387,787
Net result
-€15,971
2024 · €30,544
Working capital
€107,503▼ 22.0%
2024 · €137,810
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 41, Construction of residential and non-residential buildings, 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€36,310▲ 163%€15,406▼ 57.6%€19,803▲ 28.5%€38,165▲ 92.7%-€15,292
Net result€20,495within the sector's middle half▲ 99.9%€9,521within the sector's middle half▼ 53.5%€12,477within the sector's middle half▲ 31.0%€30,544above the sector's middle half▲ 145%-€15,971below the sector's middle half
Equity€87,643within the sector's middle half▲ 30.5%€97,164within the sector's middle half▲ 10.9%€109,641above the sector's middle half▲ 12.8%€140,185above the sector's middle half▲ 27.9%€124,214above the sector's middle half▼ 11.4%
Total assets€276,393within the sector's middle half▲ 46.2%€238,952within the sector's middle half▼ 13.5%€304,763above the sector's middle half▲ 27.5%€387,787above the sector's middle half▲ 27.2%€224,138within the sector's middle half▼ 42.2%
Debt€188,750▲ 54.8%€141,788▼ 24.9%€195,122▲ 37.6%€247,601▲ 26.9%€99,924▼ 59.6%
Working capital€135,722above the sector's middle half▲ 172%€85,277above the sector's middle half▼ 37.2%€100,504above the sector's middle half▲ 17.9%€137,810above the sector's middle half▲ 37.1%€107,503above the sector's middle half▼ 22.0%
Solvency31.7%within the sector's middle half▼ 3.8pp40.7%within the sector's middle half▲ 9.0pp36.0%within the sector's middle half▼ 4.7pp36.2%within the sector's middle half▲ 0.2pp55.4%within the sector's middle half▲ 19.3pp
Current ratio2.08within the sector's middle half▲ 0.671.60within the sector's middle half▼ 0.481.52within the sector's middle half▼ 0.091.58within the sector's middle half▲ 0.062.08within the sector's middle half▲ 0.50
Return on assets (ROA)7.4%within the sector's middle half▲ 2.0pp4.0%within the sector's middle half▼ 3.4pp4.1%within the sector's middle half▲ 0.1pp7.9%within the sector's middle half▲ 3.8pp-7.1%below the sector's middle half▼ 15.0pp
Staff (FTE)6.1=4▼ 34.4%4=4=4=
above
within
below
the middle half (P25 to P75) of NACE 41, Construction of residential and non-residential buildings, 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 turns negative in 2025: a loss of €15,292 after €38,165 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €224,138
Fixed assets
€16,711 ▲ 46.9%
Current assets
€207,427 ▼ 44.9%
Equity and liabilities €224,138
Equity
€124,214 ▼ 11.4%
Debt
€99,924 ▼ 59.6%
Debt's share of the balance-sheet total falls from 63.8% to 44.6%. Equity and debt are lower.
Key figures and ratios
EBITDA
-€10,641
Cash flow
-€11,320
Quick ratio
1.87▲
2024 · 1.47
Debt to equity
0.80▼
2024 · 1.77
ROE
-12.9%▼
2024 · 21.8%
Interest coverage
-4.82
Debt ≤ 1 year
€99,924▼
2024 · €238,601
Staff costs
€105,522▼
2024 · €141,896
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf 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 0.8% 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%.
| 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
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €139,731 | €161,901 | €164,587 | €141,896 | €105,522 | ▼ 25.6% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €329 | €1,732 | €2,805 | - | €4,651 | - |
| Other operating charges640/8 | €2,953 | €2,275 | €1,574 | €4,079 | €2,263 | ▼ 44.5% |
| Non-recurring operating charges66A | - | - | - | - | €40,765 | - |
| Gross operating margin9900 | €179,323 | €181,314 | €188,769 | €184,140 | €137,909 | ▼ 25.1% |
| Operating profit (loss)9901 | €36,310 | €15,406 | €19,803 | €38,165 | -€15,292 | ▼ 140% |
| Financial income75/76B | €329 | €47 | €130 | €436 | €1,529 | ▲ 251% |
| Recurring financial income75 | €22 | €47 | €130 | €436 | €1,529 | ▲ 251% |
| Non-recurring financial income76B | €307 | - | - | - | - | - |
| Financial charges65/66B | €3,635 | €932 | €870 | €2,057 | €2,208 | ▲ 7.3% |
| Recurring financial charges65 | €3,325 | €932 | €870 | €2,057 | €2,208 | ▲ 7.3% |
| Non-recurring financial charges66B | €310 | - | - | - | - | - |
| Profit (loss) for the period before taxes9903 | €33,004 | €14,521 | €19,063 | €36,544 | -€15,971 | ▼ 144% |
| Income taxes67/77 | €12,509 | €5,000 | €6,586 | €6,000 | - | - |
| Profit (loss) for the period9904 | €20,495 | €9,521 | €12,477 | €30,544 | -€15,971 | ▼ 152% |
| Profit (loss) for the period to be appropriated9905 | €20,495 | €9,521 | €12,477 | €30,544 | -€15,971 | ▼ 152% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €276,393 | €238,952 | €304,763 | €387,787 | €224,138 | ▼ 42.2% |
| Fixed assets21/28 | €14,921 | €11,887 | €9,137 | €11,376 | €16,711 | ▲ 46.9% |
| Tangible fixed assets22/27 | €330 | €2,805 | - | - | €9,302 | - |
| Furniture and vehicles24 | €330 | €2,805 | - | - | €9,302 | - |
| Financial fixed assets28 | €14,591 | €9,082 | €9,137 | €11,376 | €7,409 | ▼ 34.9% |
| Current assets29/58 | €261,472 | €227,065 | €295,626 | €376,411 | €207,427 | ▼ 44.9% |
| Stocks and contracts in progress3 | €950 | €6,320 | €26,212 | €26,212 | €20,438 | ▼ 22.0% |
| Stocks30/36 | €950 | €6,320 | €26,212 | €26,212 | €20,438 | ▼ 22.0% |
| Amounts receivable within one year40/41 | €131,452 | €156,545 | €243,393 | €189,140 | €56,057 | ▼ 70.4% |
| Trade receivables40 | €127,801 | €156,396 | €243,393 | €175,946 | €50,977 | ▼ 71.0% |
| Other amounts receivable41 | €3,651 | €149 | - | €13,194 | €5,080 | ▼ 61.5% |
| Cash at bank and in hand54/58 | €129,070 | €64,200 | €14,521 | €125,060 | €124,712 | ▼ 0.3% |
| Deferred charges and accrued income490/1 | - | - | €11,500 | €36,000 | €6,221 | ▼ 82.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €276,393 | €238,952 | €304,763 | €387,787 | €224,138 | ▼ 42.2% |
| Equity10/15 | €87,643 | €97,164 | €109,641 | €140,185 | €124,214 | ▼ 11.4% |
| Contributions10/11 | €45,000 | €45,000 | €45,000 | €45,000 | €45,000 | = |
| Capital10 | €45,000 | - | - | - | - | - |
| Issued capital100 | €45,000 | - | - | - | - | - |
| Reserves13 | €4,500 | €4,500 | €4,500 | €4,500 | €4,500 | = |
| Non-distributable reserves130/1 | €4,500 | €4,500 | €4,500 | €4,500 | €4,500 | = |
| Legal reserve130 | €4,500 | - | - | - | - | - |
| Reserves not available under the articles1311 | - | €4,500 | €4,500 | €4,500 | €4,500 | = |
| Profit (loss) carried forward14 | €38,143 | €47,664 | €60,141 | €90,685 | €74,714 | ▼ 17.6% |
| Amounts payable17/49 | €188,750 | €141,788 | €195,122 | €247,601 | €99,924 | ▼ 59.6% |
| Amounts payable within one year42/48 | €125,750 | €141,788 | €195,122 | €238,601 | €99,924 | ▼ 58.1% |
| Current portion of amounts payable after more than one year42 | €7,287 | €2,141 | €1,788 | €1,583 | €16,273 | ▲ 928% |
| Trade debts44 | €94,288 | €119,287 | €175,199 | €219,609 | €45,376 | ▼ 79.3% |
| Suppliers440/4 | €94,288 | €119,287 | €175,199 | €219,609 | €45,376 | ▼ 79.3% |
| Taxes, remuneration and social security45 | €24,175 | €14,715 | €7,923 | €16,428 | €33,302 | ▲ 103% |
| Taxes450/3 | €24,175 | €12,389 | €6,601 | €12,998 | €33,302 | ▲ 156% |
| Remuneration and social security454/9 | - | €2,326 | €1,322 | €3,430 | - | - |
| Other amounts payable47/48 | - | €5,645 | €10,212 | €982 | €4,974 | ▲ 407% |
| Accrued charges and deferred income492/3 | €63,000 | - | - | €9,000 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €20,495 | €9,521 | €12,477 | €30,544 | -€15,971 | ▼ 152% |
| + Depreciation and write-downs630 | €329 | €1,732 | €2,805 | - | €4,651 | - |
| Operating cash flow (approximation) | €20,824 | €11,253 | €15,282 | €30,544 | -€11,320 | ▼ 137% |
| Investment in fixed assets (approximation) | - | €1,302 | -€55 | -€2,239 | -€9,986 | ▼ 346% |
| Change in cash | - | -€64,870 | -€49,679 | €110,539 | -€348 | ▼ 100% |
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
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet -€15,971
Net result drops to -€15,971, the lowest in the series.
24-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €30,544 ▲145%
Operating result €38,165, net result €30,544, both a record.
25-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €100,000Eq €109,641 ▲12.8%
6 profitable years in a row build equity to €109,641.
10-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 10 days late
2022
25-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 25 days late
2021
18-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 18 days late
2020
17-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 17 days late
2019
21-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 21 days late
2018
23-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
24-07
NBB filing
Annual accounts filed
fiscal year 2016 · full 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, Quaregnon · 1 establishment unit since 1999
Ground area
2,140 m²
Building footprint
275 m²
Volume, LiDAR
1,585 m³
Parcel 53512D1113/00C000, Wallonia · tallest building 8.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
COPPOLA
since 19992.090.690.389
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53512D1113/00C000 | Wallonia | 2,140 m² | 1 · 275 m² | 8.2 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
Recognised contractor
14 categoriesCOPPOLA SRL34927
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Of 29,786 companies in sector 41001 we hold annual accounts for 16,061. 12,944 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
Founded30-03-1999
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
E-invoicing
Reachable via Peppol
Peppol ID
0208:0465610391
Registered
05-12-2025
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.