Kopvrouw
ActiveThe computed 12-month bankruptcy probability of Kopvrouw is 3.7% (moderate). The 2025 annual accounts show equity of €39k and a net result of €38k. Its solvency ranks better than 55% of 12835 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes
Profitability100
Solvency59
Growth-
Stability67
Bankruptcy probability, 12 months
3.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity tight (current ratio 1.1), and 63.4% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established 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
36.6%
Return on assets
35.7%
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 14-07-2026, 17 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
17 d early
← before the deadline
after the deadline →
Financials · fiscal year 2025, micro schema
Equity
€39k
Total assets
€107k
Net result
€38k
Working capital
€7k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €107k
Fixed assets
€32k
Current assets
€75k
Equity and liabilities €107k
Equity
€39k
Debt
€68k
Debt finances 63.4% of the balance-sheet total.
Key figures and ratios
EBITDA
€63k
Cash flow
€52k
Solvency
36.6%
Current ratio
1.10
Quick ratio
1.08
Debt / equity
1.73
ROE
97.4%
ROA
35.7%
Interest coverage
31.57
Debt
€68k
Debt ≤ 1 year
€68k
Income taxes
€10k
Staff costs
€19k
Filed annual accounts
As filed with the NBB · 2025
Balance sheet
Code2025
Assets
Total assets20/58€107k
Fixed assets21/28€32k
Tangible fixed assets22/27€32k
Plant, machinery and equipment23€32k
Current assets29/58€75k
Stocks and contracts in progress3€1k
Stocks30/36€1k
Amounts receivable within one year40/41€4k
Other amounts receivable41€4k
Cash at bank and in hand54/58€69k
Equity and liabilities
Total equity and liabilities10/49€107k
Equity10/15€39k
Contributions10/11€1k
Profit (loss) carried forward14€38k
Amounts payable17/49€68k
Amounts payable within one year42/48€68k
Trade debts44€6k
Suppliers440/4€6k
Taxes, remuneration and social security45€15k
Taxes450/3€15k
Other amounts payable47/48€46k
Income statement
Code2025
Remuneration, social security and pensions62€19k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k
Gross operating margin9900€82k
Operating profit (loss)9901€50k
Financial income75/76B€306
Recurring financial income75€306
Financial charges65/66B€2k
Recurring financial charges65€2k
Profit (loss) for the period before taxes9903€48k
Income taxes67/77€10k
Profit (loss) for the period9904€38k
Profit (loss) for the period to be appropriated9905€38k
Appropriation of the result
Profit (loss) to be appropriated9906€38k
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
2026
14-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
NBB filing
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
Have them read with priority
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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, Leuven · 1 establishment unit since 2024
Ground area
130 m²
Building footprint
113 m²
Volume, LiDAR
769 m³
Parcel 24504D0693/00B000, Flanders · tallest building 14.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Kopvrouw
since 20242.357.692.193
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24504D0693/00B000indicative | Flanders | 130 m² | 1 · 113 m² | 14.2 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
0 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
Coffee Beanz
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BE 0745.702.742
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SAMPOY
BE 0799.213.880
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BE 0599.980.434
Heusden-Zolder · Eq €39k
Of 13,828 companies in sector 56301 we hold annual accounts for 4,808. 4,033 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-03-2024
Fiscal year end31-12
Activities, NACEBEL
56301Cafés and bars
47632Retail sale of bicycles
47785Retail trade
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 08-09-2026. Scores and ratios are computed by Checked and are not a credit decision.