COPTER FINANCE
ActiveCOPTER FINANCE has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €87k and a net result of €28k. Equity is growing by ~61.8% per year across the filed fiscal years. Its solvency ranks better than 28% of 2917 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2024
76
/ 100
Excellent= vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency29▲+1
Growth78=
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity tight (current ratio 1.23 against 1.22 in 2023), and 81% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
19%
Return on assets
6.1%
Age of the figures
20 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 22-08-2025, 22 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 4 filingsDeviation from the deadline
2025
not confirmed
2024
22 d late
2023
61 d late
2022
40 d late
2021
31 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€87k▲ 47.3%
2023 · €59k
2021: €20k
2022: €37k
2023: €59k
2021 → 2024
Total assets
€456k▲ 43.8%
2023 · €317k
2021: €84k
2022: €125k
2023: €317k
2021 → 2024
Net result
€28k▲ 26.6%
2023 · €22k
2021: €17k
2022: €17k
2023: €22k
2021 → 2024
Working capital
€86k▲ 52.0%
2023 · €57k
2021: €14k
2022: €33k
2023: €57k
2021 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220232024Trend
Equity€20k-€37k▲ 87.6%€59k▲ 59.6%€87k▲ 47.3%
Operating result€20k-€23k▲ 16.0%€30k▲ 29.5%€39k▲ 28.9%
Net result€17k-€17k▲ 0.3%€22k▲ 27.7%€28k▲ 26.6%
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 three years in a row; 2024 is 29% above 2023 and is the highest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €456k
Fixed assets
€811▼ 66.0%
Current assets
€456k▲ 44.6%
Equity and liabilities €456k
Equity
€87k▲ 47.3%
Debt
€370k▲ 43.0%
The debt ratio falls from 81.4% to 81.0%: equity grows faster than debt.
Key figures and ratios
EBITDA
€40k▲
2023 · €31k
Cash flow
€29k▲
2023 · €24k
Solvency
19.0%▲
2023 · 18.6%
Current ratio
1.23▲
2023 · 1.22
Quick ratio
1.23▲
2023 · 1.22
Debt / equity
4.26▼
2023 · 4.39
ROE
32.1%▼
2023 · 37.3%
ROA
6.1%▼
2023 · 6.9%
Interest coverage
152.65▼
2023 · 187.11
Debt
€370k▲
2023 · €259k
Debt ≤ 1 year
€370k▲
2023 · €259k
Income taxes
€10k▲
2023 · €8k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€317k€456k▲
Fixed assets21/28€2k€811▼
Intangible fixed assets21€2k€811▼
Current assets29/58€315k€456k▲
Amounts receivable within one year40/41€296k€415k▲
Trade receivables40€291k€387k▲
Other amounts receivable41€5k€28k▲
Cash at bank and in hand54/58€11k€32k▲
Deferred charges and accrued income490/1€8k€8k▲
Equity and liabilities
Total equity and liabilities10/49€317k€456k▲
Equity10/15€59k€87k▲
Contributions10/11€10k€10k=
Reserves13€45k€75k▲
Distributable reserves133€45k€75k▲
Profit (loss) carried forward14€4k€2k▼
Amounts payable17/49€259k€370k▲
Amounts payable within one year42/48€259k€370k▲
Trade debts44€228k€339k▲
Suppliers440/4€228k€339k▲
Taxes, remuneration and social security45€20k€21k▲
Taxes450/3€20k€21k▲
Other amounts payable47/48€10k€10k=
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k=
Other operating charges640/8€384€387▲
Gross operating margin9900€32k€41k▲
Operating profit (loss)9901€30k€39k▲
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€168€263▲
Recurring financial charges65€168€263▲
Profit (loss) for the period before taxes9903€30k€38k▲
Income taxes67/77€8k€10k▲
Profit (loss) for the period9904€22k€28k▲
Profit (loss) for the period to be appropriated9905€22k€28k▲
Appropriation of the result
Profit (loss) to be appropriated9906€24k€32k▲
Profit (loss) brought forward from the previous period14P€2k€4k▲
Transfer to equity691/2€20k€30k▲
To other reserves6921€20k€30k▲
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
22-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 22 days late
2024
31-12
Financial
Highest result since 2021net €28k ▲26.6%
Operating result €39k, net result €28k, both a record.
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 61 days late
2023
09-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 40 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Linter · 2 establishment units since 2020
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.
Bredestraat(NRL) 1233350 LinterGround area
3,746 m²
Building footprint
413 m²
Volume, LiDAR
2,629 m³
2 parcels, Flanders · tallest building 11.1 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
Copter Finance
since 20202.303.140.284
Copter Finance
since 20202.303.140.383
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24077F0176/00Y002 | Flanders | 3,461 m² | 1 · 132 m² | 9.2 m · 2 fl. |
| 24087E0345/00R003 | Flanders | 285 m² | 1 · 282 m² | 11.1 m · 2 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.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 56 EUR awarded · 56 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 56 EUR | 56 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
Fiduciaire Valérie Detrain SRL
BE 0750.667.657
Antoing · Eq €87k
FISCO MANAGEMENT
BE 0877.234.049
Koekelberg · Eq €87k
BUREAU COMPTABLE MORDANT
BE 0786.908.441
Blégny · Eq €87k
SOFIE MATTHYS
BE 1013.126.002
Assenede · Eq €87k
TaxFlex
BE 0437.423.874
Chaumont-Gistoux · Eq €87k
Of 12,122 companies in sector 69201 we hold annual accounts for 7,601. 6,393 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-06-2020
Fiscal year end31-12
Activities, NACEBEL
69201Certified accountants and tax accountants
69202Legal and accounting activities
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:www.copterfinance.be
E-mail:info@copterfinance.be