GOPA
ActiveThe computed 12-month bankruptcy probability of GOPA is 2.3% (moderate). The 2024 annual accounts show equity of €615k and a net result of €-9k. Equity remains stable across the filed fiscal years (±0.3% per year). Its solvency ranks better than 38% of 304 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
52
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability68▼-4
Solvency56▲+1
Growth58▼-20
Track record100
Bankruptcy probability, 12 months
2.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity tight (current ratio 1.18 against 1.17 in 2023; short-term debt: 58.8% and cash: 5.2% of total assets), and 68.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 31
Relative position
BE, all sectors
reference
Sector 31
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
31.1%
Return on assets
-0.5%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 14-07-2025, 17 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
not confirmed
2024
17 d early
2023
33 d early
2022
18 d early
2021
23 d early
2020
3 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€615k▼ 1.4%
2023 · €624k
2020: €621k
2021: €629k
2022: €566k
2023: €624k
2020 → 2024
Total assets
€1.98M▼ 5.7%
2023 · €2.10M
2020: €2.60M
2021: €2.73M
2022: €2.38M
2023: €2.10M
2020 → 2024
Net result
€-9k
2023 · €59k
2020: €-85k
2021: €7k
2022: €-63k
2023: €59k
2020 → 2024
Working capital
€213k▲ 7.1%
2023 · €199k
2020: €-49k
2021: €10k
2022: €113k
2023: €199k
2020 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€621k-€629k▲ 1.2%€566k▼ 10.0%€624k▲ 10.4%€615k▼ 1.4%
Operating result€-2k-€36k€-40k€94k€10k▼ 89.3%
Net result€-85k-€7k€-63k€59k€-9k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 89% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.98M
Fixed assets
€601k▼ 15.6%
Current assets
€1.38M▼ 0.6%
Equity and liabilities €1.98M
Equity
€615k▼ 1.4%
Debt
€1.36M▼ 7.5%
The debt ratio falls from 70.2% to 68.9%. Equity and debt are lower.
Key figures and ratios
EBITDA
€167k▼
2023 · €286k
Cash flow
€148k▼
2023 · €251k
Solvency
31.1%▲
2023 · 29.8%
Current ratio
1.18▲
2023 · 1.17
Quick ratio
0.33▲
2023 · 0.33
Debt / equity
2.22▼
2023 · 2.36
ROE
-1.5%▼
2023 · 9.4%
ROA
-0.5%▼
2023 · 2.8%
Interest coverage
6.59▼
2023 · 9.80
Debt
€1.36M▼
2023 · €1.47M
Debt ≤ 1 year
€1.16M▼
2023 · €1.19M
Debt > 1 year
€199k▼
2023 · €287k
Income taxes
€8k▼
2023 · €15k
Staff costs
€1.37M▼
2023 · €1.63M
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€2.10M€1.98M▼
Fixed assets21/28€712k€601k▼
Tangible fixed assets22/27€711k€600k▼
Land and buildings22€194k€165k▼
Plant, machinery and equipment23€21k€35k▲
Furniture and vehicles24€497k€400k▼
Financial fixed assets28€910€910=
Current assets29/58€1.39M€1.38M▼
Stocks and contracts in progress3€996k€993k▼
Stocks30/36€996k€993k▼
Amounts receivable within one year40/41€318k€267k▼
Trade receivables40€289k€232k▼
Other amounts receivable41€29k€35k▲
Cash at bank and in hand54/58€34k€104k▲
Deferred charges and accrued income490/1€37k€14k▼
Equity and liabilities
Total equity and liabilities10/49€2.10M€1.98M▼
Equity10/15€624k€615k▼
Contributions10/11€180k€180k=
Capital10€180k€180k=
Issued capital100€180k€180k=
Reserves13€444k€435k▼
Non-distributable reserves130/1€18k€18k=
Legal reserve130€18k€18k=
Tax-exempt reserves132€5k€5k=
Distributable reserves133€421k€412k▼
Amounts payable17/49€1.47M€1.36M▼
Amounts payable after more than one year17€287k€199k▼
Financial debts170/4€287k€199k▼
Amounts payable within one year42/48€1.19M€1.16M▼
Current portion of amounts payable after more than one year42€170k€118k▼
Financial debts43€200k€200k=
Credit institutions430/8€200k€200k=
Trade debts44€331k€317k▼
Suppliers440/4€331k€317k▼
Taxes, remuneration and social security45€276k€256k▼
Taxes450/3€105k€123k▲
Remuneration and social security454/9€171k€134k▼
Other amounts payable47/48€210k€272k▲
Income statement
Code20232024
Non-recurring operating income76A€9k€9k▼
Remuneration, social security and pensions62€1.63M€1.37M▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€192k€157k▼
Other operating charges640/8€37k€45k▲
Gross operating margin9900€1.96M€1.58M▼
Operating profit (loss)9901€94k€10k▼
Financial income75/76B€9k€15k▲
Recurring financial income75€9k€15k▲
Financial charges65/66B€29k€25k▼
Recurring financial charges65€29k€25k▼
Profit (loss) for the period before taxes9903€74k€-834▼
Income taxes67/77€15k€8k▼
Profit (loss) for the period9904€59k€-9k▼
Profit (loss) for the period to be appropriated9905€59k€-9k▼
Appropriation of the result
Profit (loss) to be appropriated9906€59k€-9k▼
Transfer from equity791/2€0€9k▲
Transfer to equity691/2€59k€0▼
To other reserves6921€59k€0▼
Social balance
Average headcount (FTE)908728.424.5▼
The notes to these accounts (18 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
14-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Back to profitnet €59k
Net result €59k after one loss-making year.
13-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
08-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
28-07
NBB filing
Annual accounts filed
fiscal year 2020 · 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, Maaseik · 2 establishment units since 2020
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.
Drietakstraat 93680 MaaseikGround area
1.1 ha
Building footprint
2,554 m²
2 parcels, Flanders. Linked by address, not a title deed.
2 establishment units
GOPA
since 20202.307.837.361
GOPA
since 20202.308.319.490
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73043B0285/00S002 | Flanders | 9,279 m² | 1 · 2,500 m² | - |
| 72024A2020/00L000 | Flanders | 1,715 m² | 1 · 54 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
2022 to 2025 · 8 entries · 12,223 EUR awarded · 12,315 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 2 | 1,574 EUR | 1,574 EUR |
| 2024 | 2 | 5,849 EUR | 5,849 EUR |
| 2023 | 3 | 3,201 EUR | 3,293 EUR |
| 2022 | 1 | 1,599 EUR | 1,599 EUR |
Schemes
Subsidies voor internationaal ondernemen
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Vlaams opleidingsverlof (VOV)
Stagebonus (stopgezet)
Recognitions · licences · registrations
Dual-learning approval
5 live approvals · 2 endedBinnenschrijnwerk en interieur duaal (so)
Interieurbouwer duaal (so)
Machinaal houtbewerker duaal (so)
Medewerker hout duaal (so)
Operator CNC-gestuurde houtbewerkingsmachines duaal (so)
Similar companies · same sector, comparable size
CLEYS INTERIEUR
BE 0452.206.377
Stekene · Eq €611k
Paul Claes
BE 0436.760.514
Mol · Eq €631k
WOONIDEE PAUL & ZOON
BE 0877.017.679
Sint-Niklaas · Eq €590k
ERIC CHARLIER
BE 0457.422.702
Namur · Eq €646k
KEUKENS DE JONG INTERIEURINRICHTING
BE 0417.981.809
Arendonk · Eq €650k
Of 619 companies in sector 31002 we hold annual accounts for 349. 252 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded31-07-2020
Fiscal year end31-12
Activities, NACEBEL
31002Manufacture of furniture
47551Retail sale of household furniture
47591Retail trade
43221Plumbing work
43320Joinery installation
47527Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 5 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.