LOCA COPY
ActiveSummary
LOCA COPY has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€10,775) and a net result of €1,037. Equity is shrinking by ~75.2% per year across the filed fiscal years. Its solvency ranks better than 10% of 1535 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability65▲+62
Solvency0=
Growth58=
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.47 against 0.55 in 2024; short-term debt: 174.7% and cash: 42.3% of total assets), and equity is negative.
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Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 77
Relative position
BE, all sectors
reference
Rental and leasing activities (NACE 77)
about 44% more bankruptcies
← 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 2025Solvency, return and age of the figures
Solvency
-74.7%
Return on assets
7.2%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 1535 sector peers (2025).
NBB · sector comparisonPosition among 1535 sector peers
Solvency
better than 10%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 21-09-2026, 52 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
52 d late
2024
46 d late
2023
57 d late
2022
30 d late
2021
31 d late
2020
41 d late
2019
25 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 40 days after the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 38% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 15 September (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
-€10,775▲ 8.8%
2024 · -€11,812
Total assets
€14,433▼ 32.3%
2024 · €21,303
Net result
€1,037
2024 · -€2,648
Working capital
-€13,319▲ 10.4%
2024 · -€14,860
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 77, Rental and leasing activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€7,252▲ 56.5%-€9,061▼ 24.9%-€8,192▲ 9.6%-€2,269▲ 72.3%€1,825
Net result-€7,621below the sector's middle half▲ 55.2%-€9,510below the sector's middle half▼ 24.8%-€8,798below the sector's middle half▲ 7.5%-€2,648within the sector's middle half▲ 69.9%€1,037within the sector's middle half
Equity€9,144within the sector's middle half▼ 45.5%-€366below the sector's middle half-€9,164below the sector's middle half▼ 2,406%-€11,812below the sector's middle half▼ 28.9%-€10,775below the sector's middle half▲ 8.8%
Total assets€22,097below the sector's middle half▼ 33.6%€20,930below the sector's middle half▼ 5.3%€17,402below the sector's middle half▼ 16.9%€21,303below the sector's middle half▲ 22.4%€14,433below the sector's middle half▼ 32.3%
Debt€12,953▼ 21.5%€21,296▲ 64.4%€26,566▲ 24.7%€33,115▲ 24.7%€25,207▼ 23.9%
Working capital€5,485within the sector's middle half▼ 51.9%-€2,168within the sector's middle half-€10,241within the sector's middle half▼ 372%-€14,860within the sector's middle half▼ 45.1%-€13,319within the sector's middle half▲ 10.4%
Solvency41.4%within the sector's middle half▼ 9.0pp-1.7%below the sector's middle half▼ 43.1pp-52.7%below the sector's middle half▼ 50.9pp-55.4%below the sector's middle half▼ 2.8pp-74.7%below the sector's middle half▼ 19.2pp
Current ratio1.42within the sector's middle half▼ 0.270.90within the sector's middle half▼ 0.530.61within the sector's middle half▼ 0.280.55within the sector's middle half▼ 0.060.47within the sector's middle half▼ 0.08
Return on assets (ROA)-34.5%below the sector's middle half▲ 16.6pp-45.4%below the sector's middle half▼ 10.9pp-50.6%below the sector's middle half▼ 5.1pp-12.4%below the sector's middle half▲ 38.1pp7.2%within the sector's middle half▲ 19.6pp
Staff (FTE)1.5▲ 1,400%1▼ 33.3%0.8▼ 20.0%0.5▼ 37.5%1.1▲ 120%
above
within
below
the middle half (P25 to P75) of NACE 77, Rental and leasing activities, each year against the same schema; no band under 30 filings.
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: €1,825 after a loss of €2,269 in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €14,433
Fixed assets
€2,544 ▼ 16.5%
Current assets
€11,889 ▼ 34.9%
Key figures and ratios
EBITDA
€3,522▲
2024 · -€1,490
Cash flow
€2,734▲
2024 · -€1,869
Quick ratio
0.41▲
2024 · 0.40
Debt to equity
-2.34▲
2024 · -2.80
Interest coverage
4.47▲
2024 · -3.93
Debt ≤ 1 year
€25,207▼
2024 · €33,115
Staff costs
€21,830▲
2024 · €10,489
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 3,798 companies that looked in July 2024 the way this one looks now, 2.5% went bankrupt within 24 months and 91% are still going.
- Micro
- 20 years or older
- negative equity
- a profit of 5% of the balance sheet or more
2.5%
went bankrupt
5.3%
stopped otherwise
91%
still going
A further 0.8% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.2% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 3,798 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €6,313 | €6,356 | €6,759 | €10,489 | €21,830 | ▲ 108% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2,707 | €1,856 | €1,725 | €779 | €1,697 | ▲ 118% |
| Other operating charges640/8 | €1,236 | €1,206 | €1,938 | €3,747 | €1,113 | ▼ 70.3% |
| Gross operating margin9900 | €3,004 | €358 | €2,230 | €12,747 | €26,464 | ▲ 108% |
| Operating profit (loss)9901 | -€7,252 | -€9,061 | -€8,192 | -€2,269 | €1,825 | ▲ 180% |
| Financial charges65/66B | €196 | €269 | €425 | €380 | €788 | ▲ 108% |
| Recurring financial charges65 | €196 | €269 | €425 | €380 | €788 | ▲ 108% |
| Profit (loss) for the period before taxes9903 | -€7,448 | -€9,330 | -€8,617 | -€2,648 | €1,037 | ▲ 139% |
| Income taxes67/77 | €173 | €180 | €181 | - | - | - |
| Profit (loss) for the period9904 | -€7,621 | -€9,510 | -€8,798 | -€2,648 | €1,037 | ▲ 139% |
| Profit (loss) for the period to be appropriated9905 | -€7,621 | -€9,510 | -€8,798 | -€2,648 | €1,037 | ▲ 139% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €22,097 | €20,930 | €17,402 | €21,303 | €14,433 | ▼ 32.3% |
| Fixed assets21/28 | €3,659 | €1,803 | €1,077 | €3,048 | €2,544 | ▼ 16.5% |
| Tangible fixed assets22/27 | €3,287 | €1,431 | €705 | €2,676 | €2,172 | ▼ 18.8% |
| Furniture and vehicles24 | €3,287 | €1,431 | €705 | €2,676 | €2,172 | ▼ 18.8% |
| Financial fixed assets28 | €372 | €372 | €372 | €372 | €372 | = |
| Current assets29/58 | €18,439 | €19,127 | €16,325 | €18,255 | €11,889 | ▼ 34.9% |
| Stocks and contracts in progress3 | €10,007 | €8,078 | €5,087 | €5,109 | €1,525 | ▼ 70.2% |
| Stocks30/36 | €10,007 | €8,078 | €5,087 | €5,109 | €1,525 | ▼ 70.2% |
| Amounts receivable within one year40/41 | €4,354 | €5,388 | €3,544 | €6,162 | €4,265 | ▼ 30.8% |
| Trade receivables40 | €3,175 | €5,388 | €3,544 | €6,162 | €4,265 | ▼ 30.8% |
| Other amounts receivable41 | €1,179 | - | - | - | - | - |
| Cash at bank and in hand54/58 | €4,078 | €5,661 | €7,695 | €6,984 | €6,099 | ▼ 12.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €22,097 | €20,930 | €17,402 | €21,303 | €14,433 | ▼ 32.3% |
| Equity10/15 | €9,144 | -€366 | -€9,164 | -€11,812 | -€10,775 | ▲ 8.8% |
| Contributions10/11 | €37,184 | €37,184 | €37,184 | €37,184 | €37,184 | = |
| Reserves13 | €3,718 | €3,718 | €3,718 | €3,718 | €3,718 | = |
| Non-distributable reserves130/1 | €3,718 | €3,718 | - | - | - | - |
| Reserves not available under the articles1311 | €3,718 | €3,718 | - | - | - | - |
| Distributable reserves133 | - | - | €3,718 | €3,718 | €3,718 | = |
| Profit (loss) carried forward14 | -€31,759 | -€41,268 | -€50,066 | -€52,715 | -€51,677 | ▲ 2.0% |
| Amounts payable17/49 | €12,953 | €21,296 | €26,566 | €33,115 | €25,207 | ▼ 23.9% |
| Amounts payable within one year42/48 | €12,953 | €21,296 | €26,566 | €33,115 | €25,207 | ▼ 23.9% |
| Trade debts44 | €6,272 | €7,530 | €5,013 | €6,397 | €2,774 | ▼ 56.6% |
| Suppliers440/4 | €6,272 | €7,530 | €5,013 | €6,397 | €2,774 | ▼ 56.6% |
| Taxes, remuneration and social security45 | €5,780 | €12,865 | €20,811 | €25,683 | €21,971 | ▼ 14.5% |
| Taxes450/3 | €704 | €3,705 | €5,115 | €5,186 | €3,634 | ▼ 29.9% |
| Remuneration and social security454/9 | €5,077 | €9,161 | €15,696 | €20,497 | €18,337 | ▼ 10.5% |
| Other amounts payable47/48 | €901 | €901 | €742 | €1,036 | €462 | ▼ 55.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€7,621 | -€9,510 | -€8,798 | -€2,648 | €1,037 | ▲ 139% |
| + Depreciation and write-downs630 | €2,707 | €1,856 | €1,725 | €779 | €1,697 | ▲ 118% |
| Operating cash flow (approximation) | -€4,914 | -€7,654 | -€7,073 | -€1,869 | €2,734 | ▲ 246% |
| Investment in fixed assets (approximation) | - | €0 | -€1,000 | -€2,750 | -€1,193 | ▲ 56.6% |
| Change in cash | - | €1,584 | €2,034 | -€711 | -€884 | ▼ 24.3% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
21-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 52 days late
2025
31-12
Financial
Back to profitnet €1,037
Net result €1,037 after 7 loss-making years.
15-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 46 days late
2024
26-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 57 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
10-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 41 days late
2020
31-12
Financial
Weakest financial yearnet -€17,005
Net result drops to -€17,005, the lowest in the series; recovery starts the following year.
25-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 25 days late
2019
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
2018
26-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
12-06
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.
0 of 6 acts read
About the unread acts
We know of 6 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
6 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, Mons · 2 establishment units since 1995
Ground area
219 m²
Building footprint
109 m²
Volume, LiDAR
1,256 m³
2 parcels, Wallonia · tallest building 14.4 m, ±4 floors. Linked by address, not a title deed.
2 establishment units
Rue de Houdain 14, 7000 Mons
since 19952.073.081.822
LOCA COPY
since 20022.073.081.921
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55035D0131/00D000 | Wallonia | 123 m² | 1 · 41 m² | 10.1 m · 3 fl. |
| 53053H0217/00B000 | Wallonia | 96 m² | 1 · 68 m² | 14.4 m · 4 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 175 companies in sector 77330 we hold annual accounts for 111. 37 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded08-09-1995
Fiscal year end31-12
Activities, NACEBEL 2025
46500Wholesale of information and communication equipment
77330Rental and leasing activities
E-invoicing
Reachable via Peppol
Peppol ID
0208:0455932464
Also
9925:BE0455932464
Registered
29-01-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.