Equity
€68,145 ▲ 35.3%
Dr. S. Coppens has made a profit in every financial year since 2023.
Dr. S. Coppens
Lifetime
3 annual accounts with figures on one time axispeak €56,693 (2023)
€36,798▲ 103%
peak €41,083 (2023)
€17,797▲ 445%
peak €68,145 (2025)
€68,145▲ 35.3%
€37,739▼ 9.8%
Board1 name since 2022
1 directorSARAH COPPENS
Documentsfilings and deeds
02-02-2026179 days before the deadline
2025micro format
Gross margin from €18,097 to €36,798Result from €3,265 to €17,797Equity from €50,349 to €68,145Cash from €50,249 to €71,049
Key points
from the 2025 annual accountsChecked score
91
Excellent
Financially stronger than 74% of micro companies without a NACE code
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.6%
01-2025: 0.6%● unchanged vs 12-2024
02-2025: 0.6%● unchanged vs 01-2025
03-2025: 0.6%● unchanged vs 02-2025
04-2025: 0.7%▲ +0.1 percentage points vs 03-2025highest value
05-2025: 0.6%▼ -0.1 percentage points vs 04-2025
06-2025: 0.6%● unchanged vs 05-2025
07-2025: 0.6%● unchanged vs 06-2025
08-2025: 0.6%● unchanged vs 07-2025
09-2025: 0.5%▼ -0.1 percentage points vs 08-2025
10-2025: 0.5%● unchanged vs 09-2025
11-2025: 0.5%● unchanged vs 10-2025
12-2025: 0.5%● unchanged vs 11-2025
01-2026: 0.5%● unchanged vs 12-2025
02-2026: 0.5%● unchanged vs 01-2026
03-2026: 0.2%▼ -0.3 percentage points vs 02-2026
04-2026: 0.2%● unchanged vs 03-2026
05-2026: 0.2%● unchanged vs 04-2026
06-2026: 0.2%● unchanged vs 05-2026
07-2026: 0.2%● unchanged vs 06-2026
08-2026: 0.2%● unchanged vs 07-2026lowest value
09-2026: 0.2%● unchanged vs 08-2026lowest value
10-2026: 0.2%● unchanged vs 09-2026lowest value
11-2026: 0.2%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
raises risk
Founded in 2022
No main activity registered
lowers risk
Liquidity: current ratio 4.25, cash €71,049
Size: total assets €105,884
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 (no NACE code, micro). It does better than 54% of them on solvency, 86% on liquidity, 72% on profitability and 83% 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 31-12-2025.
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, 39,278 companies had the same profile as Dr. S. Coppens has now. Each dot stands for 99 companies, two years later.
95.8%
were still trading
2.3%
stopped another way
1.8%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of Dr. S. Coppens itself is lower: 0.2% within 12 months. It rests on far more data about Dr. S. Coppens than the profile alone.
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 39,278 companies, not a prediction for Dr. S. Coppens. 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 €6,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 4.25 (3.93 in 2024), above the usual 1.5. Short-term debt is 17.7% and cash 67.1% of total assets. 35.6% 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 31-12-2025 was due by 31-07-2026 and was filed on 02-02-2026, 179 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
179 days early
2024
100 days early
2023
29 days early
← before the deadline
after the deadline →
tick = median of all Belgian filings
The company filed its last 3 accounts on average 103 days before the deadline. The Belgian median for financial year 2024 was 4 days before the deadline, and 38% of all filings were late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 22 April (3 of the last 3 accounts filed within 79 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0793713683
Incorporation
Founding capital of €6,000, 60 shares · Founder: COPPENS Sarah · Appointment: COPPENS Sarah (director) · published on 21-11-2022 · Gazette deed
First establishment
Notestraat 64, Ternat
Official details
Source: KBO- Status
- Active since 17-11-2022Normal situation
- Activity
- “Het inrichten van algemene diensten en een medisch secretariaat in het bijzonder,die nuttig of…” (deed in Dutch)From the articles, 3 activitiesNo NACE code in the KBO yet
- Establishment unit
- 2.338.875.8761742 Ternat, since 17-11-2022
- Financial year end
- 31 December
- Peppol
- Reachable since 26-09-2026
Annual accounts 2025
- €105,884▲ 14.9%
- Filing
- Filed on 02-02-2026, 179 days before the end of the filing period
Insights on Dr. S. Coppens
Dr. S. Coppens files the micro format. That format states no turnover. The gross margin fell from €56,693 in 2023 to €36,798 in 2025.
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 Dr. S. Coppens
- What is the company number of Dr. S. Coppens?
- The company number of Dr. S. Coppens is 0793.713.683. The VAT number is the same number with BE in front: BE 0793.713.683.
- Where is Dr. S. Coppens based?
- The registered office is at Notestraat 64, 1742 Ternat.Company details
- What is the legal form of Dr. S. Coppens?
- Dr. S. Coppens is a private limited company (BV).
- When was Dr. S. Coppens founded?
- Dr. S. Coppens was founded on 17-11-2022.
- Is Dr. S. Coppens still active?
- Yes, Dr. S. Coppens is an active enterprise in the KBO register.
- What is the turnover of Dr. S. Coppens?
- The turnover in financial year 2025 is ≈ €150,000. This figure is estimated from the gross margin of €36,798 and 2,934 comparable companies of the same size. It probably lies between €89,000 and €270,000. It is a rough estimate.Financials
- Is Dr. S. Coppens profitable?
- In financial year 2025, Dr. S. Coppens made a profit of €17,797.
- Where can I find the annual accounts of Dr. S. Coppens?
- Dr. S. Coppens filed 3 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of Dr. S. Coppens due?
- Dr. S. Coppens must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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