COPRAM
ActiveSummary
COPRAM has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2026 annual accounts show equity of €161k and a net result of €41k. Equity is growing by ~2.5% per year across the filed fiscal years. Its solvency ranks better than 55% of 227 sector peers (fiscal year 2026). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2026
Axes · tick = 2025
Profitability79▲+2
Solvency57▲+7
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity short (current ratio 0.92 against 0.74 in 2025; short-term debt: 40.1% and cash: 5.3% of total assets), and 68% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2026Solvency, return and age of the figures
Solvency
32%
Return on assets
8.1%
Age of the figures
8 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-01-2026 was due by 31-08-2026 and was filed on 29-08-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2026
2 d early
2025
5 d early
2024
20 d early
2023
13 d early
2022
5 d early
2021
5 d early
2020
33 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-01-2027 and is due by 31-08-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-01-2027 close31-08-2027 deadline
Financials · fiscal year 2026, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€41k▲ 34.8%
2025 · €30k
2019: €-6k
2020: €-2k▲ +67.2% vs 2019
2021: €18k▲ +1038% vs 2020
2022: €-34k▼ -292% vs 2021lowest in 8 years
2023: €-24k▲ +30.9% vs 2022
2024: €26k▲ +210% vs 2023
2025: €30k▲ +16.3% vs 2024
2026: €41k▲ +34.8% vs 2025highest in 8 years
2019 → 2026
Working capital
€-17k▲ 70.7%
2025 · €-57k
2019: €-76k
2020: €-56k▲ +26.2% vs 2019
2021: €-38k▲ +32.6% vs 2020
2022: €-76k▼ -101% vs 2021
2023: €-118k▼ -55.2% vs 2022lowest in 8 years
2024: €-97k▲ +17.8% vs 2023
2025: €-57k▲ +41.4% vs 2024
2026: €-17k▲ +70.7% vs 2025highest in 8 years
2019 → 2026
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20222023202420252026Trend
Equity€88k-€64k▼ 27.0%€90k▲ 40.6%€121k▲ 33.6%€161k▲ 33.9%
2022: €88k
2023: €64k▼ -27.0% vs 2022lowest in 5 years
2024: €90k▲ +40.6% vs 2023
2025: €121k▲ +33.6% vs 2024
2026: €161k▲ +33.9% vs 2025highest in 5 years
Operating result€-24k-€-11k▲ 53.8%€39k€43k▲ 10.4%€62k▲ 44.1%
2022: €-24klowest in 5 years
2023: €-11k▲ +53.8% vs 2022
2024: €39k▲ +449% vs 2023
2025: €43k▲ +10.4% vs 2024
2026: €62k▲ +44.1% vs 2025highest in 5 years
Net result€-34k-€-24k▲ 30.9%€26k€30k▲ 16.3%€41k▲ 34.8%
2022: €-34klowest in 5 years
2023: €-24k▲ +30.9% vs 2022
2024: €26k▲ +210% vs 2023
2025: €30k▲ +16.3% vs 2024
2026: €41k▲ +34.8% vs 2025highest in 5 years
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2026 is 44% above 2025 and is the highest result in the available series.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €504k
Fixed assets
€319k ▲ 2.2%
Current assets
€186k ▲ 14.7%
Equity and liabilities €504k
Equity
€161k ▲ 33.9%
Debt
€343k ▼ 2.9%
Debt's share of the balance-sheet total falls from 74.5% to 68.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€112k▲
2025 · €95k
Cash flow
€90k▲
2025 · €82k
Current ratio
0.92▲
2025 · 0.74
Quick ratio
0.26▲
2025 · 0.18
Debt to equity
2.12▼
2025 · 2.93
ROE
25.3%▲
2025 · 25.1%
ROA
8.1%▲
2025 · 6.4%
Interest coverage
10.49▲
2025 · 7.38
Debt ≤ 1 year
€202k▼
2025 · €219k
Debt > 1 year
€140k▲
2025 · €134k
Income taxes
€11k▲
2025 · €-3
Staff costs
€105k▲
2025 · €104k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2026 against 2025 · 50 lines
Balance sheet
Code20252026
Assets
Total assets20/58€474k€504k▲
Fixed assets21/28€312k€319k▲
Tangible fixed assets22/27€312k€319k▲
Land and buildings22€223k€198k▼
Plant, machinery and equipment23€69k€63k▼
Furniture and vehicles24-€42k
Leasing and similar rights25€20k€16k▼
Current assets29/58€162k€186k▲
Stocks and contracts in progress3€122k€133k▲
Stocks30/36€122k€133k▲
Amounts receivable within one year40/41€11k€8k▼
Trade receivables40€11k€8k▼
Other amounts receivable41-€117
Current investments50/53€173€9k▲
Cash at bank and in hand54/58€19k€27k▲
Deferred charges and accrued income490/1€10k€8k▼
Equity and liabilities
Total equity and liabilities10/49€474k€504k▲
Equity10/15€121k€161k▲
Contributions10/11€50k€50k=
Revaluation surpluses12€270k€270k=
Profit (loss) carried forward14€-199k€-158k▲
Amounts payable17/49€353k€343k▼
Amounts payable after more than one year17€134k€140k▲
Financial debts170/4€109k€115k▲
Other amounts payable178/9€25k€25k=
Amounts payable within one year42/48€219k€202k▼
Current portion of amounts payable after more than one year42€40k€31k▼
Trade debts44€147k€132k▼
Suppliers440/4€147k€132k▼
Taxes, remuneration and social security45€25k€32k▲
Taxes450/3€2k€11k▲
Remuneration and social security454/9€23k€21k▼
Other amounts payable47/48€6k€7k▲
Accrued charges and deferred income492/3€865€865=
Income statement
Code20252026
Remuneration, social security and pensions62€104k€105k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€52k€49k▼
Other operating charges640/8€32k€12k▼
Gross operating margin9900€232k€229k▼
Operating profit (loss)9901€43k€62k▲
Financial income75/76B€8€40▲
Recurring financial income75€8€40▲
Financial charges65/66B€13k€11k▼
Recurring financial charges65€13k€11k▼
Profit (loss) for the period before taxes9903€30k€52k▲
Income taxes67/77€-3€11k▲
Profit (loss) for the period9904€30k€41k▲
Profit (loss) for the period to be appropriated9905€30k€41k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-199k€-158k▲
Profit (loss) brought forward from the previous period14P€-229k€-199k▲
Social balance
Average headcount (FTE)90873.73.6▼
The notes to these accounts (20 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €79k | €91k | €100k | €104k | €105k | ▲ 0.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €36k | €46k | €49k | €52k | €49k | ▼ 5.2% |
| Other operating charges640/8 | €9k | €9k | €10k | €32k | €12k | ▼ 61.9% |
| Gross operating margin9900 | €100k | €134k | €198k | €232k | €229k | ▼ 1.3% |
| Operating profit (loss)9901 | €-24k | €-11k | €39k | €43k | €62k | ▲ 44.1% |
| Financial income75/76B | €2 | - | - | €8 | €40 | ▲ 389% |
| Recurring financial income75 | €2 | - | - | €8 | €40 | ▲ 389% |
| Financial charges65/66B | €10k | €12k | €12k | €13k | €11k | ▼ 17.6% |
| Recurring financial charges65 | €10k | €12k | €12k | €13k | €11k | ▼ 17.6% |
| Profit (loss) for the period before taxes9903 | €-34k | €-23k | €27k | €30k | €52k | ▲ 70.5% |
| Income taxes67/77 | €3 | €338 | €726 | €-3 | €11k | ▲ 341,279% |
| Profit (loss) for the period9904 | €-34k | €-24k | €26k | €30k | €41k | ▲ 34.8% |
| Profit (loss) for the period to be appropriated9905 | €-34k | €-24k | €26k | €30k | €41k | ▲ 34.8% |
| Line | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €493k | €506k | €512k | €474k | €504k | ▲ 6.5% |
| Fixed assets21/28 | €322k | €345k | €362k | €312k | €319k | ▲ 2.2% |
| Tangible fixed assets22/27 | €322k | €345k | €362k | €312k | €319k | ▲ 2.2% |
| Land and buildings22 | €275k | €299k | €261k | €223k | €198k | ▼ 11.1% |
| Plant, machinery and equipment23 | €14k | €18k | €77k | €69k | €63k | ▼ 9.0% |
| Furniture and vehicles24 | €924 | €149 | - | - | €42k | - |
| Leasing and similar rights25 | €32k | €28k | €24k | €20k | €16k | ▼ 20.5% |
| Current assets29/58 | €171k | €162k | €150k | €162k | €186k | ▲ 14.7% |
| Stocks and contracts in progress3 | €129k | €111k | €117k | €122k | €133k | ▲ 9.0% |
| Stocks30/36 | €129k | €111k | €117k | €122k | €133k | ▲ 9.0% |
| Amounts receivable within one year40/41 | €6k | €10k | €3k | €11k | €8k | ▼ 24.3% |
| Trade receivables40 | €5k | €3k | €2k | €11k | €8k | ▼ 25.4% |
| Other amounts receivable41 | €489 | €6k | €693 | - | €117 | - |
| Current investments50/53 | €173 | €173 | €173 | €173 | €9k | ▲ 5,230% |
| Cash at bank and in hand54/58 | €24k | €30k | €18k | €19k | €27k | ▲ 39.8% |
| Deferred charges and accrued income490/1 | €11k | €11k | €11k | €10k | €8k | ▼ 12.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €493k | €506k | €512k | €474k | €504k | ▲ 6.5% |
| Equity10/15 | €88k | €64k | €90k | €121k | €161k | ▲ 33.9% |
| Contributions10/11 | €50k | €50k | €50k | €50k | €50k | = |
| Revaluation surpluses12 | €270k | €270k | €270k | €270k | €270k | = |
| Profit (loss) carried forward14 | €-232k | €-255k | €-229k | €-199k | €-158k | ▲ 20.5% |
| Amounts payable17/49 | €405k | €442k | €422k | €353k | €343k | ▼ 2.9% |
| Amounts payable after more than one year17 | €158k | €162k | €174k | €134k | €140k | ▲ 4.6% |
| Financial debts170/4 | €133k | €137k | €149k | €109k | €115k | ▲ 5.7% |
| Other amounts payable178/9 | €25k | €25k | €25k | €25k | €25k | = |
| Amounts payable within one year42/48 | €247k | €280k | €247k | €219k | €202k | ▼ 7.5% |
| Current portion of amounts payable after more than one year42 | €42k | €43k | €51k | €40k | €31k | ▼ 22.8% |
| Trade debts44 | €168k | €210k | €165k | €147k | €132k | ▼ 10.0% |
| Suppliers440/4 | €168k | €210k | €165k | €147k | €132k | ▼ 10.0% |
| Taxes, remuneration and social security45 | €17k | €21k | €25k | €25k | €32k | ▲ 27.0% |
| Taxes450/3 | €426 | €1k | €6k | €2k | €11k | ▲ 384% |
| Remuneration and social security454/9 | €16k | €19k | €20k | €23k | €21k | ▼ 10.0% |
| Other amounts payable47/48 | €21k | €6k | €5k | €6k | €7k | ▲ 10.2% |
| Accrued charges and deferred income492/3 | - | - | €865 | €865 | €865 | = |
| Line | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-34k | €-24k | €26k | €30k | €41k | ▲ 34.8% |
| + Depreciation and write-downs630 | €36k | €46k | €49k | €52k | €49k | ▼ 5.2% |
| Operating cash flow (approximation) | €2k | €22k | €75k | €82k | €90k | ▲ 9.5% |
| Investment in fixed assets (approximation) | - | €-69k | €-67k | €-2k | €-56k | ▼ 2,860% |
| Change in cash | - | €6k | €-12k | €2k | €8k | ▲ 397% |
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 2027, expected by
2026
29-08
NBB filing
Annual accounts filed
fiscal year 2026 · abbreviated schema
31-01
Financial
Highest result since 2019net €41k ▲34.8%
Operating result €62k, net result €41k, both a record.
31-01
Financial
Equity above €150kEq €161k ▲33.9%
3 profitable years in a row build equity to €161k.
2025
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
31-01
Financial
Equity above €100kEq €121k ▲33.6%
2 profitable years in a row build equity to €121k.
2024
11-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
31-01
Financial
Back to profitnet €26k
Net result €26k after 2 loss-making years.
2023
18-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2022
26-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
31-01
Financial
Weakest financial yearnet €-34k
Net result drops to €-34k, the lowest in the series; recovery starts the following year.
2021
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
31-01
Financial
Back to profitnet €18k
Net result €18k after 2 loss-making years.
Show earlier events
2020
29-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2019
22-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2018
16-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2017
14-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
3 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, Sainte-Ode · 1 establishment unit since 2000
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.
Rue d'Amberloup 186680 Sainte-Ode1 establishment unit
Rue d'Amberloup 18, 6680 Sainte-Ode
since 20002.072.767.660
Recognitions · licences · registrations
Food safety, FASFC
1 siteSainte-Ode2.072.767.660
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ANGLEDIS
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Liège · Eq €161,698
Of 10,510 companies in sector 47110 we hold annual accounts for 5,851. 4,387 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
Founded16-02-1995
Fiscal year end31-01
Activities, NACEBEL 2025
47110Non-specialised retail sale with food, beverages or tobacco predominating
43320Joinery installation
43410Roofing work
Scores and ratios are computed by Checked and are not a credit decision.