De Koopman
ActiveDe Koopman has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2026 annual accounts show equity of €106k and a net result of €-81k. Its solvency ranks better than 11% of 52 sector peers (fiscal year 2026). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2026
51
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2025
Profitability34▲+3
Solvency27▼-6
Growth32
Track record82
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 7.09 against 0.14 in 2025; short-term debt: 0.1% and cash: 0.4% of total assets), but 98% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Persistent losses
Two consecutive loss-making years (2025 and 2026); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2026Net result per financial year
2526
2025 to 2026 · latest year €-81k
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 11% of 52 sector peers (2026).
NBB · sector comparisonPosition among 52 sector peers
Solvency
better than 11%
← weakest
strongest →
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 31-07-2026, 31 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2026
31 d early
2025
48 d early
← before the deadline
after the deadline →
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
20-09-2026 today31-01-2027 close31-08-2027 deadline
Financials · fiscal year 2026, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-81k▼ 29.7%
2025 · €-63k
2025: €-63k
2025 → 2026
Working capital
€16k
2025 · €-46k
2025: €-46k
2025 → 2026
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20252026Trend
Equity€187k-€106k▼ 43.2%
Operating result€-25k-€-13k▲ 45.9%
Net result€-63k-€-81k▼ 29.7%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €13k in 2026 against €25k in 2025; the loss shrinks.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €5.36M
Fixed assets
€5.34M▲ 127%
Current assets
€19k▲ 151%
Equity and liabilities €5.36M
Equity
€106k▼ 43.2%
Debt
€5.25M▲ 142%
The debt ratio rises from 92.1% to 98.0%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
2.0%▼
2025 · 7.9%
Current ratio
7.09▲
2025 · 0.14
Quick ratio
7.09▲
2025 · 0.14
Debt / equity
49.36▲
2025 · 11.60
ROE
-76.2%▼
2025 · -33.3%
ROA
-1.5%▲
2025 · -2.6%
Debt
€5.25M▲
2025 · €2.17M
Debt ≤ 1 year
€3k▼
2025 · €53k
Debt > 1 year
€5.25M▲
2025 · €2.12M
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 · 2026 against 2025
Balance sheet
Code20252026
Assets
Total assets20/58€2.36M€5.36M▲
Fixed assets21/28€2.35M€5.34M▲
Tangible fixed assets22/27€2.35M€5.34M▲
Land and buildings22€1.62M€1.62M=
Assets under construction and advance payments27€736k€3.72M▲
Current assets29/58€8k€19k▲
Amounts receivable within one year40/41€1k€0▼
Other amounts receivable41€1k€0▼
Cash at bank and in hand54/58€6k€19k▲
Equity and liabilities
Total equity and liabilities10/49€2.36M€5.36M▲
Equity10/15€187k€106k▼
Contributions10/11€250k€250k=
Capital10€250k€250k=
Issued capital100€250k€250k=
Profit (loss) carried forward14€-63k€-144k▼
Amounts payable17/49€2.17M€5.25M▲
Amounts payable after more than one year17€2.12M€5.25M▲
Financial debts170/4€2.12M€5.25M▲
Amounts payable within one year42/48€53k€3k▼
Trade debts44€53k€3k▼
Suppliers440/4€53k€3k▼
Income statement
Code20252026
Other operating charges640/8€890€520▼
Gross operating margin9900€-24k€-13k▲
Operating profit (loss)9901€-25k€-13k▲
Financial charges65/66B€38k€68k▲
Recurring financial charges65€38k€68k▲
Profit (loss) for the period before taxes9903€-63k€-81k▼
Profit (loss) for the period9904€-63k€-81k▼
Profit (loss) for the period to be appropriated9905€-63k€-81k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-63k€-144k▼
Profit (loss) brought forward from the previous period14P-€-63k
The notes to these accounts (14 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2027, expected by
2026
31-07
NBB filing
Annual accounts filed
fiscal year 2026 · full schema
31-01
Financial
Liquidity times 50current ratio 7.09
Current ratio from 0.14 to 7.09; short-term debt falls from €53k to €3k.
2025
14-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
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, Lille · 1 establishment unit since 2023
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.
Kloosterstraat 582275 LilleGround area
1.9 ha
Building footprint
8,638 m²
Volume, LiDAR
63,509 m³
Parcel 13009C0717/00X006, Flanders · tallest building 9.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
De Koopman
since 20232.351.258.818
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13009C0717/00X006 | Flanders | 1.9 ha | 1 · 8,638 m² | 9.6 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
STAIRWELL DEVELOPMENT
BE 0607.852.676
Antwerpen · Eq €106k
HOLDING VERZEKERINGEN HUSSON
BE 0466.412.028
Beringen · Eq €106k
Manotap
BE 0802.727.755
Aalst · Eq €106k
SynHome
BE 0478.508.720
Lommel · Eq €107k
DBL MAINTENANCE
BE 0839.698.712
Dendermonde · Eq €107k
Of 3,766 companies in sector 68321 we hold annual accounts for 1,391. 991 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded27-10-2023
Fiscal year end31-01
Activities, NACEBEL
68321Property management for co-owned buildings (syndics)
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.