Copy - Plan
ActiveSummary
Copy - Plan has been active since 1991 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €110,082 and a net result of €16,898. Equity is shrinking by about 6% per year across the filed financial years. Its solvency ranks better than 78% of 1,823 sector peers (NACE 77, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Overview
- Staff
- 1 FTE
- Equity
- €110,082
- Profit
- €16,898
- HARMEGNIES BrunoManaging director
- DE NEVE IsabelleDirector
- DE NÈVE Isabelle,Maria,AndréeDirector
Why 94raises risk1 of the last 3 latelowers riskFounded in 1991Figures for financial year 2025 (filed 21-01-2026)Legal form: public limited companyShow the evidence
Checked score
About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
How it is calculated
The band follows from the bankruptcy probability, on a scale where 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 77, micro): better than 76% on solvency, 65% on liquidity, 63% on profitability and 71% on growth.
The bankruptcy probability was computed on 29-10-2026 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.
Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
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Signals
This company filed its last 7 accounts on average 12 days before the deadline; the sector median (NACE 77) for financial year 2024 is 3 days before the deadline, and 39% of those companies filed late.
Searched, nothing found (2)
- Annual accounts filedfinancial year 2025 · micro…
- Back to profitnet €16,898
- Equity above €100,000equity €110,082 ▲18.1%
Financials · financial year 2025, micro format
Source amounts without an identifiable currency are assumed to be EUR.
2021 to 2025, 5 financial years 2018 to 2025, 8 financial years
The operating result recovers in 2025; 2025 is 5.9 times 2024 and is the highest result in the available series.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Average staff in full-time equivalents (FTE).
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 77, Rental and leasing activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Peer companies
Historical observationOf the 31,368 companies that looked in July 2024 the way this one looks now, 0.5% went bankrupt within 24 months and 93.5% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.1% 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 497,445 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% | 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% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74.5% 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 31,368 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.
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | - | €10,495 | €14,988 | €14,276 | €13,720 | €14,969 | ▲ 9.1% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €24,873 | €20,831 | €25,076 | €25,076 | €25,076 | €25,076 | €25,076 | €19,804 | ▼ 21.0% |
| Other operating charges640/8 | - | - | - | €6,709 | €7,171 | €7,414 | €9,696 | €7,631 | ▼ 21.3% |
| Gross operating margin9900 | €80,120 | €99,525 | €55,233 | €21,671 | €30,066 | €67,000 | €52,843 | €67,946 | ▲ 28.6% |
| Operating profit (loss)9901 | €13,819 | €36,081 | -€8,369 | -€20,610 | -€17,170 | €20,234 | €4,350 | €25,542 | ▲ 487% |
| Financial charges65/66B | - | - | - | €8,662 | €7,563 | €8,486 | €8,440 | €8,643 | ▲ 2.4% |
| Recurring financial charges65 | €11,108 | €10,264 | €10,688 | €8,662 | €7,563 | €8,486 | €8,440 | €8,643 | ▲ 2.4% |
| Profit (loss) for the period before taxes9903 | €2,711 | €25,817 | -€19,057 | -€29,271 | -€24,733 | €11,749 | -€4,090 | €16,898 | - |
| Profit (loss) for the period9904 | €2,711 | €25,817 | -€19,057 | -€29,271 | -€24,733 | €11,749 | -€4,090 | €16,898 | - |
| Profit (loss) for the period to be appropriated9905 | €2,711 | €25,817 | -€19,057 | -€29,271 | -€24,733 | €11,749 | -€4,090 | €16,898 | - |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €288,694 | €321,791 | €268,073 | €238,479 | €208,920 | €194,010 | €177,744 | €169,689 | ▼ 4.5% |
| Fixed assets21/28 | €218,924 | €224,457 | €199,381 | €174,304 | €149,228 | €124,152 | €99,076 | €79,272 | ▼ 20.0% |
| Tangible fixed assets22/27 | €218,789 | €224,322 | €199,245 | €174,169 | €149,093 | €124,016 | €98,940 | €79,137 | ▼ 20.0% |
| Land and buildings22 | - | - | - | €158,351 | €138,547 | €118,744 | €98,940 | €79,137 | ▼ 20.0% |
| Furniture and vehicles24 | - | - | - | €15,818 | €10,545 | €5,273 | €0 | €0 | = |
| Financial fixed assets28 | €136 | €136 | €136 | €136 | €136 | €136 | €136 | €136 | = |
| Current assets29/58 | €69,770 | €97,334 | €68,692 | €64,174 | €59,692 | €69,858 | €78,668 | €90,417 | ▲ 14.9% |
| Stocks and contracts in progress3 | €8,036 | €8,350 | €12,590 | €14,655 | €19,687 | €16,668 | €17,482 | €12,156 | ▼ 30.5% |
| Stocks30/36 | - | - | - | €14,655 | €19,687 | €16,668 | €17,482 | €12,156 | ▼ 30.5% |
| Amounts receivable within one year40/41 | €35,141 | €44,213 | €24,028 | €20,749 | €8,063 | €28,786 | €35,564 | €62,678 | ▲ 76.2% |
| Trade receivables40 | - | - | - | €20,749 | €8,063 | €28,786 | €35,564 | €62,678 | ▲ 76.2% |
| Cash at bank and in hand54/58 | €26,593 | €44,771 | €32,074 | €28,769 | €31,942 | €24,405 | €25,621 | €15,582 | ▼ 39.2% |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €288,694 | €321,791 | €268,073 | €238,479 | €208,920 | €194,010 | €177,744 | €169,689 | ▼ 4.5% |
| Equity10/15 | €132,770 | €158,587 | €139,530 | €110,258 | €85,525 | €97,274 | €93,184 | €110,082 | ▲ 18.1% |
| Contributions10/11 | €250,000 | €250,000 | - | €250,000 | €250,000 | €250,000 | €250,000 | €250,000 | = |
| Capital10 | - | - | - | €250,000 | €250,000 | €250,000 | €250,000 | €250,000 | = |
| Issued capital100 | - | - | - | €250,000 | €250,000 | €250,000 | €250,000 | €250,000 | = |
| Reserves13 | €638 | €638 | €638 | €638 | €638 | €638 | €638 | €638 | = |
| Non-distributable reserves130/1 | - | - | - | €638 | €638 | €638 | €638 | €638 | = |
| Legal reserve130 | - | - | - | - | €638 | €638 | €638 | €638 | = |
| Reserves not available under the articles1311 | - | - | - | €638 | - | - | - | - | - |
| Profit (loss) carried forward14 | -€117,868 | -€92,052 | -€111,109 | -€140,380 | -€165,113 | -€153,364 | -€157,455 | -€140,556 | ▲ 10.7% |
| Amounts payable17/49 | €155,924 | €163,204 | €128,544 | €128,221 | €123,395 | €96,737 | €84,560 | €59,607 | ▼ 29.5% |
| Amounts payable after more than one year17 | €105,332 | €107,392 | €100,041 | €84,840 | €68,879 | €52,125 | €36,510 | €21,465 | ▼ 41.2% |
| Financial debts170/4 | - | - | - | €84,840 | €68,879 | €52,125 | €36,510 | €21,465 | ▼ 41.2% |
| Amounts payable within one year42/48 | €50,593 | €55,812 | €28,503 | €43,380 | €54,516 | €44,612 | €48,050 | €38,142 | ▼ 20.6% |
| Current portion of amounts payable after more than one year42 | - | - | - | €15,201 | €15,961 | €16,754 | €15,615 | €15,045 | ▼ 3.7% |
| Financial debts43 | - | - | - | €7,353 | €7,420 | €11,122 | €13,331 | - | - |
| Credit institutions430/8 | - | - | - | €7,353 | €7,420 | €11,122 | €13,331 | - | - |
| Trade debts44 | €14,210 | €19,010 | €5,597 | €18,852 | €30,830 | €15,802 | €13,420 | €16,247 | ▲ 21.1% |
| Suppliers440/4 | - | - | - | €18,852 | €30,830 | €15,802 | €13,420 | €16,247 | ▲ 21.1% |
| Taxes, remuneration and social security45 | - | - | - | €1,975 | €305 | €934 | €5,685 | €6,851 | ▲ 20.5% |
| Taxes450/3 | - | - | - | - | €305 | €934 | €5,377 | €5,985 | ▲ 11.3% |
| Remuneration and social security454/9 | - | - | - | €1,975 | - | - | €307 | €866 | ▲ 182% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €2,711 | €25,817 | -€19,057 | -€29,271 | -€24,733 | €11,749 | -€4,090 | €16,898 | - |
| + Depreciation and write-downs630 | €24,873 | €20,831 | €25,076 | €25,076 | €25,076 | €25,076 | €25,076 | €19,804 | ▼ 21.0% |
| Operating cash flow (approximation) | €27,584 | €46,647 | €6,019 | -€4,195 | €343 | €36,825 | €20,986 | €36,702 | ▲ 74.9% |
| Investment in fixed assets (approximation) | - | -€26,363 | €0 | €0 | €0 | €0 | €0 | €0 | - |
| Change in cash | - | €18,178 | -€12,697 | -€3,304 | €3,173 | -€7,537 | €1,217 | -€10,040 | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Latest 10 of 31 filings with the National Bank
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | micro format | 13-01-2026 | 2026-00011017 |
| 31-12-2024 | micro format | 28-07-2025 | 2025-00333391 |
| 31-12-2023 | micro format | 02-10-2024 | 2024-00491512 |
| 31-12-2022 | micro format | 11-07-2023 | 2023-00231138 |
| 31-12-2021 | micro format | 22-08-2022 | 2022-20308010 |
| 31-12-2020 | micro format | 31-08-2021 | 2021-60500092 |
| 31-12-2019 | micro format | 25-08-2020 | 2020-44300590 |
| 31-12-2018 | micro format | 28-08-2019 | 2019-52900585 |
| 31-12-2017 | micro format | 31-08-2018 | 2018-59700214 |
| 31-12-2016 | micro format | 09-06-2017 | 2017-15900593 |
Similar companies · same sector, comparable size
Public contracts
Source: TED (Tenders Electronic Daily), Publications Office of the European Union. Values as the buyer published them; for a framework agreement, a ceiling.
Directors
Board 3
Day-to-day management 1
Not every act has been read: a resignation may still be missing
Mandate history
- Board
- Day-to-day management
- began earlier
| Name | Functions and periods |
|---|---|
| HARMEGNIES Bruno |
|
| DE NEVE Isabelle |
|
| DE NÈVE Isabelle,Maria,Andrée |
|
| HARMEGNIES Jean |
|
Owners and capital
Capital and shareholders
- 23-02-2024 Capital stated in the deed · €250,000 · 50 shares
Group and network
Connections & network
3 current directorsThe network starts from this company’s directors. Other companies they run appear here as nodes.
History
Acts, filings and financial milestones
23-02
Gazette deed
Reappointments: HARMEGNIES Bruno (director) and DE NÈVE Isabelle,Maria,Andrée (director)Amendment of the articles · Registered office clause · Power of attorney12 facts ▸
- Other provision, 04-10-1961
- Other provision, 29-03-2003
- Other provision, 06-12-2010
- Other provision, “mise en conformité avec le Code des sociétés et des associations, adapter les statuts” (deed in French)
- Amendment of the articles
- Director reappointment, HARMEGNIES Bruno (director (not named in the articles))
- Director reappointment, DE NÈVE Isabelle,Maria,Andrée (director (not named in the articles))
- Registered office clause, “7000 Mons rue de Houdain numéro 36” (deed in French)
- Power of attorney
- Capital, €250,000
- Director discharge, HARMEGNIES Bruno
- Director discharge, DE NÈVE Isabelle,Maria,Andrée
05-10
Gazette deed
Resignation: HARMEGNIES Jean (director)Reappointment: HARMEGNIES Bruno (director and managing director) · Appointment: DE NEVE Isabelle (director)4 facts ▸
- General meeting, 01-05-2022
- Director resignation, HARMEGNIES Jean (director)
- Director reappointment, HARMEGNIES Bruno (director and managing director)
- Director appointment, DE NEVE Isabelle (director)
Show earlier events
About the unread acts
Of the 8 Belgian Official Gazette deeds we know for this company, 2 have been read. The other 6 have not been read yet: what they contain is neither established nor disproved here.
Register details
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.
Sites & property
1 establishment unit
1 parcel
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 53053H0204/00A000 | Wallonia | 84 m² | 1 · 39 m² | - |
How the parcels are linked
Articles of association
What the company does
- PurposeThe activities the company may carry out under its articles.
- “La reproduction de plans, documents et textes, la photocopie et les stencils, la création publicitaire en tous genres, la vente de meubles…” (deed in French)
Text of the purpose (deed in French)
“La reproduction de plans, documents et textes, la photocopie et les stencils, la création publicitaire en tous genres, la vente de meubles de bureaux, tables à dessiner, les appareils s'y y adaptant et les appareils de géodésie ainsi que l'encadrement de peintures et de répramttinarles”
- DurationHow long the company exists; usually unlimited, so until it is dissolved.
- Unlimited
- Name clauseThe name the company operates under according to its articles.
- COPY-PLAN
- Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
- One provision in the deed
Who represents it, and how
- Board ruleHow the board is made up, meets and takes decisions.
- “Conseil, minimum requis par la loi” (deed in French)
Capital, shares and profit
- Kind of sharesWhich classes of shares exist and what rights each class carries.
- “Nominatives, actions” (deed in French)
- Transfer restrictionWhether shareholders may sell their shares freely or need approval first.
- “Actions, librement” (deed in French)
Oversight and winding up
- Liquidation ruleHow assets are shared after dissolution: creditors first, then shareholders.
- “Dissolution pour quelque raison que ce soit et à n'importe quel moment, liquidation par organe d'administration en fonction” (deed in French)“Majorité des voix, assemblée générale en décide autrement” (deed in French)