Turnover
≈ €2.0m estimated
The accounts state no turnover.
COPRAM
Lifetime
20 annual accounts with figures on one time axis, 31 filings since 1995peak €231,955 (2025)
€228,943▼ 1.3%
lowest -€34,405 (2022)
€40,855▲ 34.8%
peak €165,851 (2011)
€161,435▲ 33.9%
€342,923▼ 2.9%
peak 4.8 FTE (2008)
3.6 FTE▼ 2.7%
Board5 names since 1999
3 directorsJean Louis JACQMIN and 2 others
Documentsfilings and deeds
29-08-20262 days before the deadline
2026abbreviated format
Result from €30,310 to €40,855Equity from €120,580 to €161,435Cash from €19,292 to €26,974
Key points
from the 2026 annual accountsChecked score
84
Excellent
Financially stronger than 58% of micro companies in retail trade (NACE 47)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.4% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.6% across 40,275 companies (NACE 47, micro).
About 4 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.8%
01-2025: 0.8%● unchanged vs 12-2024
02-2025: 0.8%● unchanged vs 01-2025
03-2025: 0.8%● unchanged vs 02-2025
04-2025: 0.8%● unchanged vs 03-2025
05-2025: 0.9%▲ +0.1 percentage points vs 04-2025
06-2025: 0.9%● unchanged vs 05-2025
07-2025: 0.8%▼ -0.1 percentage points vs 06-2025
08-2025: 1.2%▲ +0.4 percentage points vs 07-2025highest value
09-2025: 0.7%▼ -0.5 percentage points vs 08-2025
10-2025: 0.7%● unchanged vs 09-2025
11-2025: 0.7%● unchanged vs 10-2025
12-2025: 0.6%▼ -0.1 percentage points vs 11-2025
01-2026: 0.6%● unchanged vs 12-2025
02-2026: 0.6%● unchanged vs 01-2026
03-2026: 0.6%● unchanged vs 02-2026
04-2026: 0.6%● unchanged vs 03-2026
05-2026: 0.7%▲ +0.1 percentage points vs 04-2026
06-2026: 0.7%● unchanged vs 05-2026
07-2026: 0.6%▼ -0.1 percentage points vs 06-2026
08-2026: 0.7%▲ +0.1 percentage points vs 07-2026
09-2026: 0.4%▼ -0.3 percentage points vs 08-2026lowest value
10-2026: 0.4%● unchanged vs 09-2026lowest value
11-2026: 0.4%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
raises risk
Sector: Retail trade (NACE 47)
Size: 3.6 FTE, total assets €504,357
Liquidity: current ratio 0.92, cash €26,974
lowers risk
Founded in 1995
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, micro). It does better than 48% of them on solvency, 35% on liquidity, 69% on profitability and 81% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-01-2026.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 31,368 companies had the same profile as COPRAM has now. Each dot stands for 79 companies, two years later.
93.5%
were still trading
5.9%
stopped another way
0.5%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of COPRAM itself: 0.4% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 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% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 31,368 companies, not a prediction for COPRAM. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €13,000 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.92 (0.74 in 2025), below 1. Short-term debt is 40.1% and cash 5.3% of total assets. 68% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
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 days early
2025
5 days early
2024
20 days early
2023
13 days early
2022
5 days early
2021
5 days early
2020
33 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 12 days before the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-01-2027 and is due by 31-08-2027. Nothing is late today. The company usually files around 26 August (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-01-2027 year end31-08-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0454573672
3 directors appointed, 1 manager resigning
Appointments: Jean Louis JACQMIN, Marylène LAURENT and Florian JACQMIN · Resignation: Sylvain Auguste Antoine Ghislain PROPS (manager) · Legal-form conversion: from private limited company (pre-2019) to private limited company · General meeting of 08-03-2023 · Gazette deed
First establishment
Rue d'Amberloup 18, Sainte-Ode
Incorporation
published on 11-03-1995 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| COPRAM Sainte-Ode | €504,357 | €228,943 | 32.0% | 3.6 |
| CLAES Bilzen-Hoeselt | €471,458 | €185,199 | 67.9% | 3.4 |
| Supermarkt Crabbe Aalst | €594,432 | €247,656 | 38.0% | 3.6 |
| CYANAR Ciney | €439,453 | €270,945 | 52.4% | 3.6 |
| DAVINA Nassogne | €873,897 | €236,976 | 33.4% | 3.9 |
| DE WALLYS Beveren-Kruibeke-Zwijndrecht | €595,206 | €213,850 | 49.8% | 3.2 |
| MAISON JUPRELLE ET Cie Visé | €536,041 | €322,920 | 46.0% | 3.5 |
These companies have the same main activity as COPRAM: non-specialised retail sale with food, beverages or tobacco predominating (NACE 47110). They are comparable in size and age: total assets between €439,000 and €874,000, founded between 1989 and 2000.
Official details
Source: KBO- Status
- Active since 16-02-1995Normal situation
- Activity
- Non-specialised retail sale with food, beverages or tobacco predominatingNACE 47110and 2 others
- Joint committees
- 119Food trade
- 201Independent retail · annual accounts 31-01-2026
- Establishment unit
- 2.072.767.6606680 Sainte-Ode, since 05-09-2000
- Financial year end
- 31 January
- Peppol
- Reachable since 23-12-2025
Annual accounts to 31-01-2026
- €504,357▲ 6.5%
- Employeeson 31-01-2026
- 4▼ 20.0%
- Filing
- Filed on 29-08-2026, 2 days before the end of the filing period
Insights on COPRAM
COPRAM files the abbreviated format. That format states no turnover. The gross margin rose from €133,317 in 2007 to €228,943 in 2026.
The balance sheet grew most in 2011 through fixed assets.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about COPRAM
- What is the company number of COPRAM?
- The company number of COPRAM is 0454.573.672. The VAT number is the same number with BE in front: BE 0454.573.672.
- Where is COPRAM based?
- The registered office is at Rue d'Amberloup 18, 6680 Sainte-Ode.Company details
- What does COPRAM do?
- According to the KBO register, the main activity is non-specialised retail sale with food, beverages or tobacco predominating (NACE 47110).
- What is the legal form of COPRAM?
- COPRAM is a private limited company (BV).
- When was COPRAM founded?
- COPRAM was founded on 16-02-1995.
- Is COPRAM still active?
- Yes, COPRAM is an active enterprise in the KBO register.
- How many employees does COPRAM have?
- COPRAM had an average of 3.6 full-time equivalents in financial year 2026, according to the filed annual accounts.Financials
- Which joint committee does COPRAM fall under?
- In its 31-01-2026 annual accounts, COPRAM states joint committees 119 (Food trade) and 201 (Independent retail).
- What is the turnover of COPRAM?
- The turnover in financial year 2026 is ≈ €2.0m. This figure is estimated from the gross margin of €228,943 and 32 comparable companies (NACE 47110). It probably lies between €1.5m and €2.7m.
- Is COPRAM profitable?
- In financial year 2026, COPRAM made a profit of €40,855.
- Where can I find the annual accounts of COPRAM?
- COPRAM filed 31 annual accounts with the National Bank of Belgium, the latest for financial year 2026.
- When are the next annual accounts of COPRAM due?
- COPRAM must file the annual accounts for financial year 2027 by 31-08-2027.Timeline
Next steps
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