ISAKAR COPPENS
ActiveISAKAR COPPENS has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.67M and a net result of €16k. Equity remains stable across the filed fiscal years (±0.4% per year). Its solvency ranks better than 92% of 13905 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
83
/ 100
Excellent▼ -11 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability5▼-9
Solvency100=
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €140k at 30 days acceptable
Liquidity ample (current ratio 6.38 against 7.4 in 2024), and 9.2% 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○neutral
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 →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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
90.8%
Return on assets
0.9%
Age of the figures
8 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 24-07-2026, 7 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
7 d early
2024
24 d early
2023
21 d early
2022
19 d early
2021
6 d early
2020
15 d early
2019
21 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€1.67M▼ 2.7%
2024 · €1.72M
2018: €1.07M
2019: €1.09M
2020: €2.21M
2021: €1.78M
2022: €1.72M
2023: €1.71M
2024: €1.72M
2018 → 2025
Total assets
€1.84M▼ 1.2%
2024 · €1.87M
2018: €1.10M
2019: €1.12M
2020: €2.44M
2021: €1.99M
2022: €1.90M
2023: €1.90M
2024: €1.87M
2018 → 2025
Net result
€16k▼ 67.1%
2024 · €49k
2018: €19k
2019: €26k
2020: €-12k
2021: €-383
2022: €-7k
2023: €27k
2024: €49k
2018 → 2025
Working capital
€757k▲ 3.9%
2024 · €728k
2018: €647k
2019: €690k
2020: €1.28M
2021: €905k
2022: €877k
2023: €808k
2024: €728k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.78M-€1.72M▼ 3.8%€1.71M▼ 0.4%€1.72M▲ 0.7%€1.67M▼ 2.7%
Operating result€13k-€-7k€38k€-11k€5k
Net result€-383-€-7k▼ 1,630%€27k€49k▲ 79.4%€16k▼ 67.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €5k after a loss of €11k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.84M
Fixed assets
€947k▼ 7.7%
Current assets
€897k▲ 6.5%
Equity and liabilities €1.84M
Equity
€1.67M▼ 2.7%
Provisions
€29k▼ 12.2%
Debt
€141k▲ 23.7%
The debt ratio rises from 6.1% to 7.6%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€97k▲
2024 · €62k
Cash flow
€107k▼
2024 · €122k
Solvency
90.8%▼
2024 · 92.1%
Current ratio
6.38▼
2024 · 7.40
Quick ratio
6.38▼
2024 · 7.40
Debt / equity
0.08▲
2024 · 0.07
ROE
1.0%▼
2024 · 2.9%
ROA
0.9%▼
2024 · 2.6%
Interest coverage
9.09▲
2024 · 5.51
Debt
€141k▲
2024 · €114k
Debt ≤ 1 year
€141k▲
2024 · €114k
Income taxes
€17k▲
2024 · €12k
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€1.87M€1.84M▼
Fixed assets21/28€1.03M€947k▼
Tangible fixed assets22/27€1.03M€947k▼
Land and buildings22€963k€892k▼
Plant, machinery and equipment23€15k€16k▲
Furniture and vehicles24€40k€28k▼
Other tangible fixed assets26€8k€10k▲
Assets under construction and advance payments27€0-
Current assets29/58€842k€897k▲
Amounts receivable after more than one year29€300k€300k=
Other amounts receivable291€300k€300k=
Amounts receivable within one year40/41€21k€25k▲
Trade receivables40€206€0▼
Other amounts receivable41€21k€25k▲
Current investments50/53€469k€491k▲
Cash at bank and in hand54/58€53k€81k▲
Equity and liabilities
Total equity and liabilities10/49€1.87M€1.84M▼
Equity10/15€1.72M€1.67M▼
Contributions10/11€81k€81k=
Reserves13€1.64M€1.59M▼
Tax-exempt reserves132€82k€72k▼
Distributable reserves133€1.56M€1.52M▼
Profit (loss) carried forward14€0€0=
Provisions and deferred taxes16€33k€29k▼
Deferred taxes168€33k€29k▼
Amounts payable17/49€114k€141k▲
Amounts payable within one year42/48€114k€141k▲
Trade debts44€3k€2k▼
Suppliers440/4€3k€2k▼
Taxes, remuneration and social security45€3k€3k▼
Taxes450/3€3k€3k▼
Other amounts payable47/48€108k€136k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€73k€91k▲
Other operating charges640/8€31k€23k▼
Gross operating margin9900€93k€119k▲
Operating profit (loss)9901€-11k€5k▲
Financial income75/76B€80k€35k▼
Recurring financial income75€80k€35k▼
Financial charges65/66B€11k€11k▼
Recurring financial charges65€11k€11k▼
Profit (loss) for the period before taxes9903€57k€29k▼
Transfer from deferred taxes780€4k€4k=
Income taxes67/77€12k€17k▲
Profit (loss) for the period9904€49k€16k▼
Transfer from tax-exempt reserves789€10k€10k=
Profit (loss) for the period to be appropriated9905€59k€26k▼
Appropriation of the result
Profit (loss) to be appropriated9906€59k€26k▼
Transfer from equity791/2€37k€62k▲
Transfer to equity691/2€59k€26k▼
To other reserves6921€59k€26k▼
Profit to be distributed694/7€37k€62k▲
Return on contributions (dividend)694€37k€62k▲
The notes to these accounts (10 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
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
07-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €49k ▲79.4%
Net result €49k, the highest in the series.
10-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €27k
Net result €27k after 3 loss-making years.
12-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
25-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
16-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €-12k ▼146%
Net result drops to €-12k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €2MEq €2.21M ▲102%
Equity rises from €1.09M to €2.21M.
10-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
10-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
25-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
20-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 acts for this company are 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, Geel · 1 establishment unit 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.
Laar 1202440 GeelGround area
2,713 m²
Building footprint
310 m²
Volume, LiDAR
1,539 m³
Parcel 13008H1354/00D000, Flanders · tallest building 8.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Laar 120, 2440 Geel
since 20202.315.762.954
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13008H1354/00D000 | Flanders | 2,713 m² | 1 · 310 m² | 8.4 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.
Similar companies · same sector, comparable size
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SOGESPHAR
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SGL3217
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Of 9,094 companies in sector 68201 we hold annual accounts for 6,725. 4,447 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded02-05-2000
Fiscal year end31-12
Activities, NACEBEL
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.