KOOPVAARDIJ
ActiveKOOPVAARDIJ has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €53k and a net result of €-2k. Equity is growing by ~10.4% per year across the filed fiscal years. Its solvency ranks better than 43% of 19357 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2024
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability44▼-56
Solvency48▲+2
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity short (current ratio 0.14 against 0.38 in 2023; short-term debt: 28.6% and cash: 3.4% of total assets), and 76.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises 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 →
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
23.3%
Return on assets
-0.9%
Age of the figures
21 mo
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
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 23-06-2025, 38 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
38 d early
2023
13 d early
2022
19 d early
2021
26 d early
2020
15 d early
2019
14 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€53k▼ 3.6%
2023 · €55k
2018: €-25k
2019: €-26k
2020: €-27k
2021: €-27k
2022: €-24k
2023: €55k
2018 → 2024
Total assets
€229k▼ 12.0%
2023 · €261k
2018: €205k
2019: €196k
2020: €188k
2021: €180k
2022: €173k
2023: €261k
2018 → 2024
Net result
€-2k
2023 · €80k
2018: €870
2019: €-903
2020: €-377
2021: €-171
2022: €3k
2023: €80k
2018 → 2024
Working capital
€-57k▼ 8.4%
2023 · €-52k
2018: €-57k
2019: €-59k
2020: €-61k
2021: €-63k
2022: €-64k
2023: €-52k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€-27k-€-27k▼ 0.6%€-24k▲ 10.3%€55k€53k▼ 3.6%
Operating result€6k-€6k▼ 2.2%€7k▲ 20.7%€101k▲ 1,281%€991▼ 99.0%
Net result€-377-€-171▲ 54.6%€3k€80k▲ 2,775%€-2k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 99% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €229k
Fixed assets
€220k▼ 3.8%
Current assets
€9k▼ 71.9%
Equity and liabilities €229k
Equity
€53k▼ 3.6%
Debt
€176k▼ 14.3%
The debt ratio falls from 78.7% to 76.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
€10k▼
2023 · €114k
Cash flow
€7k▼
2023 · €93k
Solvency
23.3%▲
2023 · 21.3%
Current ratio
0.14▼
2023 · 0.38
Quick ratio
0.14▼
2023 · 0.38
Debt / equity
3.29▼
2023 · 3.70
ROE
-3.8%▼
2023 · 143.3%
ROA
-0.9%▼
2023 · 30.5%
Interest coverage
3.21▼
2023 · 35.15
Debt
€176k▼
2023 · €205k
Debt ≤ 1 year
€66k▼
2023 · €84k
Debt > 1 year
€110k▼
2023 · €121k
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€261k€229k▼
Fixed assets21/28€229k€220k▼
Tangible fixed assets22/27€229k€220k▼
Land and buildings22€229k€220k▼
Current assets29/58€32k€9k▼
Amounts receivable within one year40/41€491€575▲
Other amounts receivable41€491€575▲
Cash at bank and in hand54/58€31k€8k▼
Deferred charges and accrued income490/1€465€469▲
Equity and liabilities
Total equity and liabilities10/49€261k€229k▼
Equity10/15€55k€53k▼
Contributions10/11€6k€6k=
Reserves13€49k€49k=
Distributable reserves133€49k€49k=
Profit (loss) carried forward14€0€-2k▼
Amounts payable17/49€205k€176k▼
Amounts payable after more than one year17€121k€110k▼
Financial debts170/4€121k€110k▼
Amounts payable within one year42/48€84k€66k▼
Current portion of amounts payable after more than one year42€11k€11k▲
Trade debts44€654-
Suppliers440/4€654-
Taxes, remuneration and social security45€18k-
Taxes450/3€18k-
Other amounts payable47/48€54k€54k=
Accrued charges and deferred income492/3€0-
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€9k▼
Other operating charges640/8€878€903▲
Gross operating margin9900€115k€11k▼
Operating profit (loss)9901€101k€991▼
Financial charges65/66B€3k€3k▼
Recurring financial charges65€3k€3k▼
Profit (loss) for the period before taxes9903€97k€-2k▼
Income taxes67/77€18k-
Profit (loss) for the period9904€80k€-2k▼
Profit (loss) for the period to be appropriated9905€80k€-2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€49k€-2k▼
Profit (loss) brought forward from the previous period14P€-30k-
Transfer to equity691/2€49k-
To other reserves6921€49k-
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
23-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-2k ▼103%
Net result drops to €-2k, the lowest in the series.
18-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €80k ▲2775%
Operating result €101k, net result €80k, both a record.
12-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €3k
Net result €3k after 3 loss-making years.
05-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
16-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
17-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
20-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
20-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
30-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Oosterzele · 1 establishment unit since 2010
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.
Aalmoezenijestraat 69860 OosterzeleGround area
720 m²
Building footprint
216 m²
Volume, LiDAR
767 m³
Parcel 44031A0007/00T000, Flanders · tallest building 8.7 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Koopvaardij
since 20102.194.592.732
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44031A0007/00T000 | Flanders | 720 m² | 1 · 215 m² | 8.7 m · 1 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.
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Of 12,023 companies in sector 68203 we hold annual accounts for 5,986. 3,169 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-12-2010
Fiscal year end31-12
Activities, NACEBEL
68203Renting and operating of own or leased non-residential real estate, excluding land
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.