Dr. S. Coppens
ActiveThe computed 12-month bankruptcy probability of Dr. S. Coppens is 2.6% (moderate). The 2025 annual accounts show equity of €68k and a net result of €18k. Equity is growing by ~20.9% per year across the filed fiscal years. The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
77
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability90▲+17
Solvency89▲+9
Growth52=
Track record94
Bankruptcy probability, 12 months
2.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 4.25 against 3.93 in 2024; short-term debt: 17.7% and cash: 67.1% of total assets), and 35.6% 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
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
64.4%
Return on assets
16.8%
Age of the figures
9 mo
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 d early
2024
100 d early
2023
29 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€68k▲ 35.3%
2024 · €50k
2023: €47k
2024: €50k
2023 → 2025
Total assets
€106k▲ 14.9%
2024 · €92k
2023: €95k
2024: €92k
2023 → 2025
Net result
€18k▲ 445%
2024 · €3k
2023: €41k
2024: €3k
2023 → 2025
Working capital
€61k▲ 45.5%
2024 · €42k
2023: €38k
2024: €42k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€47k-€50k▲ 6.9%€68k▲ 35.3%
Operating result€53k-€7k▼ 86.5%€25k▲ 249%
Net result€41k-€3k▼ 92.1%€18k▲ 445%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 249% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €106k
Fixed assets
€26k▼ 27.3%
Current assets
€80k▲ 41.8%
Equity and liabilities €106k
Equity
€68k▲ 35.3%
Debt
€38k▼ 9.8%
The debt ratio falls from 45.4% to 35.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€35k▲
2024 · €17k
Cash flow
€28k▲
2024 · €13k
Solvency
64.4%▲
2024 · 54.6%
Current ratio
4.25▲
2024 · 3.93
Quick ratio
4.25▲
2024 · 3.93
Debt / equity
0.55▼
2024 · 0.83
ROE
26.1%▲
2024 · 6.5%
ROA
16.8%▲
2024 · 3.5%
Interest coverage
21.89▲
2024 · 8.60
Debt
€38k▼
2024 · €42k
Debt ≤ 1 year
€19k▲
2024 · €14k
Debt > 1 year
€18k▼
2024 · €27k
Income taxes
€6k▲
2024 · €2k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€92k€106k▲
Fixed assets21/28€36k€26k▼
Tangible fixed assets22/27€36k€26k▼
Plant, machinery and equipment23€534-
Furniture and vehicles24€35k€26k▼
Current assets29/58€56k€80k▲
Amounts receivable after more than one year29€5k€7k▲
Other amounts receivable291€5k€7k▲
Amounts receivable within one year40/41€975€2k▲
Trade receivables40€975€2k▲
Cash at bank and in hand54/58€50k€71k▲
Deferred charges and accrued income490/1-€332
Equity and liabilities
Total equity and liabilities10/49€92k€106k▲
Equity10/15€50k€68k▲
Contributions10/11€6k€6k=
Reserves13€44k€62k▲
Distributable reserves133€44k€62k▲
Amounts payable17/49€42k€38k▼
Amounts payable after more than one year17€27k€18k▼
Financial debts170/4€27k€18k▼
Amounts payable within one year42/48€14k€19k▲
Current portion of amounts payable after more than one year42€9k€9k▲
Trade debts44€1k€1k▼
Suppliers440/4€1k€1k▼
Taxes, remuneration and social security45€4k€8k▲
Taxes450/3€4k€8k▲
Other amounts payable47/48€246€362▲
Accrued charges and deferred income492/3-€775
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€10k▼
Other operating charges640/8€1k€2k▲
Gross operating margin9900€18k€37k▲
Operating profit (loss)9901€7k€25k▲
Financial income75/76B€150€173▲
Recurring financial income75€150€173▲
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€5k€24k▲
Income taxes67/77€2k€6k▲
Profit (loss) for the period9904€3k€18k▲
Profit (loss) for the period to be appropriated9905€3k€18k▲
Appropriation of the result
Profit (loss) to be appropriated9906€3k€18k▲
Transfer to equity691/2€3k€18k▲
To other reserves6921€3k€18k▲
The notes to these accounts (5 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 2026, expected by
2026
02-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
22-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €3k ▼92.1%
Net result drops to €3k, the lowest in the series; recovery starts the following year.
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro 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, Ternat · 1 establishment unit since 2022
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.
Notestraat 641742 TernatGround area
1,214 m²
Building footprint
102 m²
Volume, LiDAR
587 m³
Parcel 23071B0275/00L000, Flanders · tallest building 8.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Dr. S. Coppens
since 20222.338.875.876
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23071B0275/00L000 | Flanders | 1,214 m² | 1 · 102 m² | 8.2 m · 2 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.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 51 EUR awarded · 51 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 51 EUR | 51 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-11-2022
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.