Active BE 0782.299.951Private limited company

DACOPA

Dijkbeemdenweg 44 ·3520 Zonhoven, Belgium· 4 yrs active

Sector: Financial services (64210)

Conclusion Checked

DACOPA is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show negative equity (€-38k) and a net result of €-163k. Equity is shrinking by ~67.3% per year across the filed fiscal years. Its solvency ranks better than 5% of 1205 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 3 annual accounts.

Key figures

Equity	€-38k
Net result	€-163k
Better than sector	5%
Active	4 yrs

Snowflake analysis 5 axes · computed by Checked

52 / 100

Mixed profile: strong on profitability, weaker on health.

Health 0

Profitability 100

Solvency 33

Growth 32

Stability 94

Bankruptcy probability (12 mo) Checked model v1 · free

This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 3 signals

More than 3 years active

Founded in 2022, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.

Administratively compliant

No FOD Economie strikeouts (UBO, accounts, address, activity).

Administrative Flags 0 events

No administrative flags

Health barometer

Model not applicable to financial institutions

The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here.

Financial overview3 NBB filings

Annual accounts filed on 31-10-2025 with the NBB · fiscal year 2025 · micro

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

declining Equity: declining trend of ~67.3%/year over 3 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2025 · NACE 64, Financial services · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	-58.4%	47.4%	better than 5% of 1205 sector peers
Net result	€-163k	€43k	better than 5% of 1204 sector peers
Equity	€-38k	€84k	better than 5% of 1205 sector peers
Gross operating margin	€-105k	€70k	better than 5% of 1201 sector peers
Total assets	€65k	€211k	better than 15% of 1205 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Net profit

€-163k

- far below sector median

Total assets

€65k

-72.7% -86% vs sector

Equity

€-38k

- far below sector median

Income taxes

€452

-92.8% -65% vs sector

Debt

€103k

-10.3% far above sector median

Debt ≤ 1y

€71k

+4.6% +261% vs sector

Debt > 1y

€32k

-31.9% -65% vs sector

Solvency

-58.4%

- far below sector median

ROE

426.2%

+3609.9% far above sector median

ROA

-248.7%

- far below sector median

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2025
Revenue	n/a
EBITDA	n/a
Net profit	€-163k
Cash flow	n/a
Staff costs	-
Income taxes	€452
Dividends	-
Total assets	€65k
Equity	€-38k
Debt	€103k
of which ≤ 1y	€71k
of which > 1y	€32k
Working capital	n/a
Employees (FTE)	-

Ratios (computed)

	2025
Current ratio	n/a
Quick ratio	n/a
Working capital ratio	n/a
Solvency	-58.4%
Debt / equity	n/a
Long-term debt ratio	n/a
Interest coverage	n/a
Gross margin	n/a
Net margin	n/a
ROA	-248.7%
ROE	426.2%
EBITDA margin	n/a
Days sales outstanding	n/a
Days payable outstanding	n/a
Inventory turnover	n/a
Days inventory (DSI)	n/a

Balance-sheet composition 2025

Assets

Fixed assets €41k · 63.4% Current assets €24k · 36.6%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€65k
Fixed assets	21/28	€41k
Intangible fixed assets	21	€2k
Tangible fixed assets	22/27	€39k
Financial fixed assets	28	€136
Current assets	29/58	€24k
Amounts receivable within one year	40/41	€8k
Cash & bank	54/58	€13k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€65k
Equity	10/15	€-38k
Contributions / capital	10/11	€20k
Reserves	13	€104k
Accumulated profits (losses)	14	€-163k
Amounts payable	17/49	€103k
Amounts payable after one year	17	€32k
Amounts payable within one year	42/48	€71k
Trade debts payable within one year	44	€11k
Income statement
Gross operating margin	9900	€-105k
Operating result	9901	€-160k
Financial income	75	€0
Financial charges	65	€3k
Result before taxes	9903	€-162k
Income taxes	67/77	€452
Net result for the period	9904	€-163k
Result to be appropriated	9905	€-163k

You're seeing the latest fiscal year only. Unlock 2 prior years (figures + ratios) with a paid plan. See plans →

Ratios computed by Checked.

Legal Structure

NACE primary	Financial services(64210)
Legal form	Private limited company(610)
Incorporation	17-02-2022
Status	Active
Postal code	3520

Establishment units 1 location

DACOPA

Dijkbeemdenweg 44, 3520 ZonhovenGroothandel in auto's en lichte bestelwagens (= 3,5 ton)

since 20222.328.210.628

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
71443F0013/00M000	Flanders	2,314 m²	1 · 581 m²	-

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Updates 6 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025

31-10-2025

NBB filing Annual accounts filed

fiscal year 2025 · micro

11-04-2025

State Gazette act Registered-office change

2024

04-10-2024

NBB filing Annual accounts filed

fiscal year 2024 · micro

2023

27-07-2023

NBB filing Annual accounts filed

fiscal year 2023 · micro

2022

29-12-2022

State Gazette act Registered-office change

04-11-2022

State Gazette act Registered-office change

Belgisch Staatsblad, acts 3 acts

Address history · 3

11-04-2025

Registered-office move

29-12-2022

Registered-office move

04-11-2022

Registered-office move

All acts · 3 updated 1 year ago

2025

11-04-2025 Registered office moved from Hasselt to Zonhoven Registered-office change

Pierre Coxstraat 18, 3511 Hasselt → Dijkbeemdenweg 44 bus 5, 3520 Zonhoven

Original publication ↗

Technical details

{
  "events": [
    {
      "kind": "zetel_transfer",
      "seat_type": "siege_social",
      "new_address": {
        "raw": "Dijkbeemdenweg 44 bus 5, 3520 Zonhoven",
        "city": "Zonhoven",
        "region": "vlaams_gewest",
        "street": "Dijkbeemdenweg",
        "country": "BE",
        "postcode": "3520",
        "box_number": "5",
        "street_number": "44",
        "locality_suffix": null
      },
      "old_address": {
        "raw": "Pierre Coxstraat 18, 3511 Hasselt",
        "city": "Hasselt",
        "region": "vlaams_gewest",
        "street": "Pierre Coxstraat",
        "country": "BE",
        "postcode": "3511",
        "box_number": null,
        "street_number": "18",
        "locality_suffix": null
      },
      "effective_date": null,
      "evidence_quote": "",
      "region_changed": false,
      "is_statute_change": true,
      "nationality_change": false,
      "old_address_source": "header_volledig_adres",
      "statute_clause_text": null,
      "statute_article_number": null,
      "effective_date_qualifier": null,
      "statutaire_vs_werkelijke": null,
      "linguistic_region_changed": false,
      "court_jurisdiction_changed": false,
      "effective_date_is_approximate": null
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": null,
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2025-04-11",
    "filing_date": "2025-04-03",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decision": {
    "body": "algemene_vergadering",
    "date": "2025-03-05",
    "unanimous": null
  },
  "subject_company": {
    "kbo": "0782.299.951",
    "name_full": "DACOP\u0410",
    "legal_form": "BV",
    "_kbo_filled_from_list": true
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
    "person_name": "Coppieters Patricia",
    "org_rep_person_name": null,
    "person_role_at_subject": "Bestuurder"
  },
  "co_filed_documents": []
}

2022

29-12-2022 Registered office moved within Hasselt Registered-office change

Pierre Coxstraat 19, 3511 Hasselt → Pierre Coxtraat 18, 3511 Hasselt

Original publication ↗

Technical details

{
  "events": [
    {
      "kind": "zetel_transfer",
      "seat_type": "siege_social",
      "new_address": {
        "raw": "Pierre Coxtraat 18, 3511 Hasselt",
        "city": "Hasselt",
        "region": "vlaams_gewest",
        "street": "Pierre Coxtraat",
        "country": "BE",
        "postcode": "3511",
        "box_number": null,
        "street_number": "18",
        "locality_suffix": null
      },
      "old_address": {
        "raw": "Pierre Coxstraat 19, 3511 Hasselt",
        "city": "Hasselt",
        "region": "vlaams_gewest",
        "street": "Pierre Coxstraat",
        "country": "BE",
        "postcode": "3511",
        "box_number": null,
        "street_number": "19",
        "locality_suffix": null
      },
      "effective_date": null,
      "evidence_quote": "",
      "region_changed": false,
      "is_statute_change": true,
      "nationality_change": false,
      "old_address_source": "header_volledig_adres",
      "statute_clause_text": null,
      "statute_article_number": null,
      "effective_date_qualifier": "immediate",
      "statutaire_vs_werkelijke": "statutaire",
      "linguistic_region_changed": false,
      "court_jurisdiction_changed": false,
      "effective_date_is_approximate": false
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": null,
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2022-12-29",
    "filing_date": "2022-12-14",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decision": {
    "body": "buitengewone_algemene_vergadering",
    "date": "2022-11-07",
    "unanimous": null
  },
  "subject_company": {
    "kbo": "0782.299.951",
    "name_full": "Da\u0441\u043E\u0440\u0430",
    "legal_form": "BV"
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
    "person_name": "Christof Van Dessel",
    "org_rep_person_name": null,
    "person_role_at_subject": "Lasthebber"
  },
  "co_filed_documents": [
    "Verslag (met volmacht)"
  ]
}

04-11-2022 Registered office moved from Heusden-Zolder to Hasselt Registered-office change

Voetpad 16, 3550 Heusden-Zolder → Pierre Coxtraat 19, 3511 Hasselt

Original publication ↗

Technical details

{
  "events": [
    {
      "kind": "zetel_transfer",
      "seat_type": "siege_social",
      "new_address": {
        "raw": "Pierre Coxtraat 19, 3511 Hasselt",
        "city": "Hasselt",
        "region": "vlaams_gewest",
        "street": "Pierre Coxtraat",
        "country": "BE",
        "postcode": "3511",
        "box_number": null,
        "street_number": "19",
        "locality_suffix": null
      },
      "old_address": {
        "raw": "Voetpad 16, 3550 Heusden-Zolder",
        "city": "Heusden-Zolder",
        "region": "vlaams_gewest",
        "street": "Voetpad",
        "country": "BE",
        "postcode": "3550",
        "box_number": null,
        "street_number": "16",
        "locality_suffix": null
      },
      "effective_date": null,
      "evidence_quote": "",
      "region_changed": false,
      "is_statute_change": true,
      "nationality_change": false,
      "old_address_source": "header_volledig_adres",
      "statute_clause_text": null,
      "statute_article_number": null,
      "effective_date_qualifier": "immediate",
      "statutaire_vs_werkelijke": null,
      "linguistic_region_changed": false,
      "court_jurisdiction_changed": false,
      "effective_date_is_approximate": false
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": "Antwerpen",
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": null,
    "filing_date": "2022-10-24",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decision": {
    "body": "buitengewone_algemene_vergadering",
    "date": "2022-09-15",
    "unanimous": null
  },
  "subject_company": {
    "kbo": "0782.299.951",
    "name_full": "Da\u0441\u043E\u0440\u0430",
    "legal_form": "BV",
    "_kbo_filled_from_list": true
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
    "person_name": "Christof Van Dessel",
    "org_rep_person_name": null,
    "person_role_at_subject": "Lasthebber"
  },
  "co_filed_documents": [
    "verslag dd.15/09/2022(volmacht)"
  ]
}

Credit advice verdict per customer and amount

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Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

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Company registry (CBE) Crossroads Bank

Activities

Holdings64200Activiteiten van holdings64210Groothandel in auto's en lichte bestelwagens (= 3,5 ton)45111Carrosserieherstelling45204Groothandel in auto's en lichte bestelwagens (<= 3,5 ton)46711Personenvervoer per spoor, m.u.v. personenvervoer per spoor binnen steden of voorsteden49100Personenvervoer per trein49110Catering56210Catering van evenementen56210Arbeidsbemiddeling78100Arbeidsbemiddeling78100Carrosserieherstelling (inclusief spuiten en verven)95314

Primary activity highlighted.

Names & trade names

Legal nameNL

DACOPA

Registered office

Dijkbeemdenweg 44 bus 5

3520 Zonhoven, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.

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