Equity
€244,210 ▲ 36.6%
Equity rose in 2025 from €178,799 to €244,210.
Lopyco
Overview
Lifetime
3 annual accounts with figures on one time axispeak €152,515 (2024)
€133,832▼ 12.3%
peak €101,778 (2024)
€65,412▼ 35.7%
peak €244,210 (2025)
€244,210▲ 36.6%
€140,061▲ 86.3%
Board1 name since 2023
1 directorCOLPAERT Hendrik Geert René
Documentsfilings and deeds
27-04-202695 days before the deadline
2025micro format
Gross margin from €152,515 to €133,832Result from €101,778 to €65,412Equity from €178,799 to €244,210Debts from €75,196 to €140,061Investments €204,000Cash from €111,885 to €58,883
Key points
from the 2025 annual accountsTurnover
≈ €230,000 estimated
The micro format states no turnover.
Debts
€140,061 ▲ 86.3%
Debts rose by €64,865 in 2025.
Investments
€228,480 11.7 × depreciation
Green is investment, beige is depreciation.
Liquidity
1.04 was 3.65 in 2024
Short-term debts rose from €53,226 to €134,473.
Position in the sector
€133,832
Higher gross margin than 81% of companies in head offices and management consultancy. Sector median €53,357 · 39,308 companies.
Checked score
95
Excellent
Financially stronger than 59% of micro companies in head offices and management consultancy (NACE 70)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 48,555 companies (NACE 70, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: < 0.1%
01-2025: < 0.1%● unchanged vs 12-2024
02-2025: < 0.1%● unchanged vs 01-2025
03-2025: < 0.1%● unchanged vs 02-2025
04-2025: < 0.1%● unchanged vs 03-2025
05-2025: < 0.1%● unchanged vs 04-2025
06-2025: < 0.1%● unchanged vs 05-2025
07-2025: < 0.1%● unchanged vs 06-2025
08-2025: < 0.1%● unchanged vs 07-2025
09-2025: < 0.1%● unchanged vs 08-2025
10-2025: < 0.1%● unchanged vs 09-2025
11-2025: < 0.1%● unchanged vs 10-2025
12-2025: < 0.1%● unchanged vs 11-2025
01-2026: < 0.1%● unchanged vs 12-2025lowest value
02-2026: < 0.1%● unchanged vs 01-2026lowest value
03-2026: < 0.1%● unchanged vs 02-2026lowest value
04-2026: < 0.1%● unchanged vs 03-2026
05-2026: 0.1%▲ +0.1 percentage points vs 04-2026
06-2026: 0.1%● unchanged vs 05-2026highest value
07-2026: 0.1%● unchanged vs 06-2026highest value
08-2026: 0.1%● unchanged vs 07-2026highest value
09-2026: 0.1%● unchanged vs 08-2026
10-2026: 0.1%● unchanged vs 09-2026
11-2026: 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
lowers risk
Sector: Activities of head offices; management consultancy activities (NACE 70)
Size: total assets €384,271
Liquidity: current ratio 1.04, cash €58,883
Figures for financial year 2025 (filed on 27-04-2026)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 70, micro). It does better than 59% of them on solvency, 43% on liquidity, 60% on profitability and 75% on growth.
The bankruptcy probability was computed on 06-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 39,278 companies had the same profile as Lopyco has now. Each dot stands for 99 companies, two years later.
95.8%
were still trading
2.3%
stopped another way
1.8%
went bankrupt
The bankruptcy probability of Lopyco itself is lower: 0.1% within 12 months. It rests on far more data about Lopyco than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 39,278 companies, not a prediction for Lopyco. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €23,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.04 (3.65 in 2024), below the usual 1.5. Short-term debt is 35% and cash 15.3% of total assets. 36.4% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
5 signals, none raises the risk
Five signals.
lowers riskneutral
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 27-04-2026, 95 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
95 days early
2024
36 days early
2023
34 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 3 accounts on average 55 days before the deadline. In the sector (NACE 70), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 25 June (3 of the last 3 accounts filed within 59 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
07-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- COLPAERT Hendrik Geert René 9,000 sharesdeed of 16-03-2023
- DANEELS Inge 1,000 sharesdeed of 16-03-2023
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0799487559
Incorporation
Founding capital of €2,500, 10,000 shares · Founders: COLPAERT Hendrik Geert René and DANEELS Inge · Appointment: COLPAERT Hendrik Geert René (director) · published on 16-03-2023 · Gazette deed
First establishment
Pieter Heuvelmansstraat 8, Turnhout
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Lopyco Turnhout | €384,271 | €133,832 | 63.6% | - |
| NITEO Geel | €380,423 | €136,122 | 59.8% | - |
| D&A-VertoWell Vosselaar | €370,631 | €123,103 | 66.3% | - |
| Yellow 7 Antwerp | €346,931 | €133,190 | 87.8% | - |
| MANAGE YOUR OPERATIONS Antwerp | €445,747 | €145,163 | 85.7% | - |
| ABLANIGO Antwerp | €332,500 | €141,170 | 82.2% | - |
| Compass Plus Geel | €321,672 | €135,795 | 31.0% | - |
These companies have the same main activity as Lopyco: business and other management consultancy (NACE 70200). They are comparable in size and age: total assets between €322,000 and €446,000, founded between 2022 and 2023.
Official details
Source: KBO- Status
- Active since 14-03-2023Normal situation
- Activity
- Business and other management consultancyNACE 70200and 1 other
- Establishment unit
- 2.342.848.4232300 Turnhout, since 14-03-2023
- Financial year end
- 31 December
- Peppol
- Reachable since 24-11-2023
Annual accounts 2025
- €133,832▼ 12.3%
- €65,412▼ 35.7%
- €244,210▲ 36.6%
- €384,271▲ 51.3%
- Filing
- Filed on 27-04-2026, 95 days before the end of the filing period
Insights on Lopyco
Lopyco files the micro format. That format states no turnover. The gross margin rose from €108,223 in 2023 to €133,832 in 2025.
The balance sheet grew most from 2024 to 2025 through fixed assets.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 27-04-2026, 95 days before the deadline€133,832
▼ 12.3%
€88,848
▼ 34.2%
€65,412
▼ 35.7%
€5,720
▼ 95.9%
63.6%
▼ 6.8 percentage points
1.04
▼ 2.61
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €230,000. Estimated: probably between €190,000 and €270,000.
Balance sheet
balance sheet total €384,271 on 31-12-2025What the company ownsHow it is paid for
in euro
in euro
Position in the sector
63.6%
Higher than 58% of 39,342 companies in 2025.
1.04
Higher than 26% of 38,027 companies in 2025.
17.0%
Higher than 54% of 38,499 companies in 2025.
Lopyco
Middle half of the sector
80% of the sector
Micro accounts in head offices and management consultancy (NACE 70)
Net result: middle half · Equity: top quarter · Balance sheet total: middle half · Working capital: middle half
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| Balance sheet: assets | ||||
20/58 |
384,271 | 253,994 | 187,648 | |
21/28 |
244,077 | 59,544 | 68,797 | |
22/27 |
244,077 | 59,544 | 68,797 | |
22 |
201,957 | - | - | |
23 |
2,281 | 3,198 | 2,960 | |
24 |
39,839 | 56,346 | 65,837 | |
29/58 |
140,193 | 194,451 | 118,850 | |
40/41 |
25,796 | 26,554 | 26,787 | |
40 |
25,796 | 26,081 | 26,768 | |
41 |
0 | 472 | 19 | |
50/53 |
50,000 | 50,000 | - | |
54/58 |
58,883 | 111,885 | 87,578 | |
490/1 |
5,515 | 6,012 | 4,485 | |
| Balance sheet: equity and liabilities | ||||
10/49 |
384,271 | 253,994 | 187,648 | |
10/15 |
244,210 | 178,799 | 77,021 | |
10/11 |
2,500 | 2,500 | 2,500 | |
13 |
241,710 | 176,299 | 74,521 | |
133 |
241,710 | 176,299 | 74,521 | |
17/49 |
140,061 | 75,196 | 110,627 | |
17 |
5,587 | 21,970 | 37,799 | |
170/4 |
5,587 | 21,970 | 37,799 | |
42/48 |
134,473 | 53,226 | 72,184 | |
42 |
16,383 | 15,829 | 15,294 | |
43 |
1,597 | 209 | 2,271 | |
430/8 |
1,597 | 209 | 2,271 | |
44 |
1,351 | 1,433 | 612 | |
440/4 |
1,351 | 1,433 | 612 | |
45 |
23,526 | 4,106 | 27,456 | |
450/3 |
23,526 | 4,106 | 27,456 | |
47/48 |
91,617 | 31,649 | 26,550 | |
492/3 |
- | 0 | 644 | |
| Income statement | ||||
9900 |
133,832 | 152,515 | 108,223 | |
630 |
19,467 | 16,607 | 10,968 | |
640/8 |
1,037 | 828 | 427 | |
66A |
24,480 | - | - | |
9901 |
88,848 | 135,081 | 96,828 | |
75/76B |
1,622 | 1,391 | 249 | |
75 |
1,622 | 1,391 | 249 | |
65/66B |
5,101 | 3,772 | 2,542 | |
65 |
5,101 | 3,772 | 2,542 | |
9903 |
85,369 | 132,700 | 94,535 | |
67/77 |
19,957 | 30,922 | 20,014 | |
9904 |
65,412 | 101,778 | 74,521 | |
9905 |
65,412 | 101,778 | 74,521 | |
| Appropriation of the result | ||||
9906 |
65,412 | 101,778 | 74,521 | |
691/2 |
65,412 | 101,778 | 74,521 | |
6921 |
65,412 | 101,778 | 74,521 | |
| Document | ||||
The notes to these accounts have 7 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the filed accounts (PDF).
Source: Annual accounts 2025 (PDF), filed on 27-04-2026.
Filings
each dot is a set of accounts, on the day it reached the National BankSubsidies and aid
Flemish government 2025, 1 entry, €627 awarded, €627 paid
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| 108,315 | 151,688 | 107,796 | ||
| 84,878 | 118,385 | 85,488 | ||
| 228,480 | 7,354 | 79,765 | ||
| -53,002 | 24,307 | - | ||
| 5,720 | 141,225 | 46,667 | ||
| 63.6% | 70.4% | 41.0% | ||
| 1.04 | 3.65 | 1.65 | ||
| 0.57 | 0.42 | 1.44 | ||
| 26.8% | 56.9% | 96.8% | ||
| 17.0% | 40.1% | 39.7% | ||
| 21.23 | 40.21 | 42.40 |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired| Item | 2025 | 2024 | 2023 |
|---|---|---|---|
| Tangible fixed assets | €228,480 | €7,354 | €79,765 |
| €19,467 | €16,607 | €10,968 |
Source: notes to the 2023 to 2025 annual accounts (statement of fixed assets)
Insights on Lopyco
The operating result for 2025 is 34% lower than in 2024 and the lowest since 2023.
Debt's share of the balance-sheet total rises from 29.6% to 36.4%. Equity and debt are higher.
Board & ownership
Board
1 director, since incorporationDirector (not named in the articles)
appointed by deed of 16-03-2023
term without a fixed end
listed in the 2025 annual accounts, filed on 27-04-2026
- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- “Als er slechts één bestuurder is, is het geheel van de bevoegdheden van de bestuurders aan hem toegekend, met de mogelijkheid een deel van…”deed of 16-03-2023
Mandates through the years
1 name, the dashed line is todayCOLPAERT Hendrik Geert René
Director (not named in the articles)
Director (not named in the articles)
Board
Mandates as a list
- COLPAERT Hendrik Geert René
- Director (not named in the articles), appointed by deed of 16-03-2023, still in office
Control
Founders
COLPAERT Hendrik Geert René, DANEELS Inge
This company
Lopyco
Equity €244,210
Profit €65,412 in 2025
Capital
- Contribution
- €2,500
- Shares
- 10,000
- Contribution per share
- €0.25
- Equity per share
- €24.42 in 2025
- Source
- deed of 16-03-2023
Articles of association
deed of 16-03-2023 (in Dutch)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- At least 1 director
Shareholders
At incorporation
deed of 16-03-2023 ↗
- COLPAERT Hendrik Geert René 9,000 shares (90%) · €2,250
- DANEELS Inge 1,000 shares (10%) · €250
Network & group
No group
Lopyco has no parent and no holdings in its annual accounts. COLPAERT Hendrik Geert René is the only director.
Board mandates elsewhere
3 board mandatesBoard mandates of LopycoLopyco sits on their board3
Connections & network
1 current directorThe board mandates are listed under Board mandates elsewhere. The network lets you explore the same ties.
This company
Company
Director
Shareholding
+N: links not shown yet
Click a node to look further, drag to arrange, zoom with the mouse wheel.
Timeline
Timeline
11 events since 2023Filings
Financial
Establishments
2023202420252026
Deadline for the 2026 accounts: 31-07-2027
2026
Annual accounts 2025 filed PDFmicro format · 95 days before the deadline
2025
Weakest financial year net €65,412 ▼35.7% The net result drops to €65,412, the lowest from 2023 to 2025.
Equity above €200,000 equity €244,210 ▲36.6% With a profit in every financial year since 2023, equity grows to €244,210.
Annual accounts 2024 filed PDFmicro format · 36 days before the deadline
2024
Highest result from 2023 to 2025 net €101,778 ▲36.6% The operating result of €135,081 and the net result of €101,778 are both a record.
Liquidity more than doubled current ratio 3.65 The current ratio rises from 1.65 to 3.65. Short-term debt falls from €72,184 to €53,226.
Equity above €150,000 equity €178,799 ▲132% With a profit in every financial year since 2023, equity grows to €178,799.
Annual accounts 2023 filed PDFmicro format · 34 days before the deadline
2023
Registered in the Peppol Directory Reachable for e-invoices through 0208:0799487559
IncorporationFounding capital of €2,500, 10,000 shares · Founders: COLPAERT Hendrik Geert René and DANEELS Inge · Appointment: COLPAERT Hendrik Geert René (director) · published on 16-03-20234 points ▸
- Founder, COLPAERT Hendrik Geert René
- Founder, DANEELS Inge
- Founding capital, €2,500, 10,000 shares
- Director appointment, COLPAERT Hendrik Geert René (director (not named in the articles))
- The deed holds 1 more point.
First establishment Pieter Heuvelmansstraat 8, Turnhout
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
Lopyco was incorporated on 14 March 2023 as a private limited company by two natural persons, with a starting capital of €2,500.12 COLPAERT Hendrik Geert René is director of the company, appointed by deed of 16-03-2023.2 Total assets rose from €187,648 in 2023 to €384,271 in 2025.3
Company details
Identity
- Enterprise number
- 0799.487.559
- VAT number
- BE 0799.487.559
- Peppol ID
- 0208:0799487559
- Other Peppol ID
- 9925:BE0799487559
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 14-03-2023
- Financial year
- ends on 31 December
- Peppol
- Reachable since 24-11-2023Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- Lopyco in Dutch
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 16-03-2023 (in Dutch)
- Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
- “Pieter Heuvelmansstraat 8, 2300 Turnhout”deed of 16-03-2023 (in Dutch)
Activities
NACEBEL 202570200
Business and other management consultancy main activity
Codes under NACEBEL 2008
70220
Business consulting main activity
70210
Activities of head offices; management consultancy activities
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Het verlenen van bijstand,advies en leiding aan bedrijven,ondernemingen,rechts- en privé-personen en instellingen,voornamelijk doch niet…”deed of 16-03-2023 (in Dutch)
12 activities
- Het verlenen van bijstand,advies en leiding aan bedrijven,ondernemingen,rechts- en privé-personen en instellingen,voornamelijk doch niet uitsluitend op het vlak van management,productie,ontwikkeling en verkoop
- Alle verrichtingen die,algemeen genomen,op één of andere wijze verband houden met:Alle mogelijke advies- en/of dienstenfuncties voornamelijk doch niet uitsluitend op het van informatica en informatiseringsprojecten,marketing en verkoop,mantement:Procesbeheer en het besturen van vennootschappen
- Consultancy,opleiding,technische expertise en bijstand op voornoemd(e)gebied(en)
- Het geven van advies en verstrekken van diensten met betrekking tot de organisatie en het beheer van bedrijven,die op dit(die)domein(en)actief zijn,de vertegenwoordiging en het optreden als commercieel tussenpersoon
- Alle hulpmiddelen verschaffen,bestuurdersfuncties waarnemen of laten waarnemen en diensten verlenen,die direct of indirect verband houden met het voorgaande
- Deze diensten kunnen worden geleverd krachtens een contractuele of statutaire benoeming en in de hoedanigheid van externe raadgever of als orgaan van de cliënt;ter uitvoering van haar opdrachten en voor het waarnemen van de bestuursmandaten kan de vennootschap zich laten vertegenwoordigen door haar bestuurder of elke andere derde vertegenwoordiger,die door de vennootschap worden afgevaardigd om op te treden in eigen naam doch voor rekening van de vennootschap
- De vennootschap mag alle verrichtingen stellen van commerciële,industriële,onroerende,roerende of financiële aard die rechtstreeks of onrechtstreeks met haar voorwerp verwant of verknocht zijn of de verwezenlijking ervan kunnen bevorderen
- De vennootschap mag betrokken zijn bij wijze van inbreng,samensmelting,inschrijving of op elke andere wijze,in de ondernemingen,verenigingen of vennootschappen,die een gelijkaardig,soortgelijk of samenhangend voorwerp hebben of die nuttig zijn voor de verwezenlijking van het geheel of een gedeelte van haar voorwerp
- Bovenvermelde opsomming is niet beperkend,zodat de vennootschap alle handelingen kan stellen,die op welke wijze ook kunnen bijdragen tot de verwezenlijking van haar voorwerp
- De vennootschap mag haar voorwerp verwezenlijken zowel in België als in het buitenland,op alle wijzen en manieren,die zij het best geschikt zou achten
- De vennootschap mag geenszins aan vermogensbeheer of beleggingsadvies doen als bedoeld in de Wetten en Koninklijke Besluiten terzake
- De vennootschap zal zich dienen te onthouden van werkzaamheden die onderworpen zijn aan reglementaire bepalingen voor zover de vennootschap zelf niet aan deze bepalingen voldoet
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Pieter Heuvelmansstraat 8 registered office 2300 Turnhout 70100 Activities of head offices | 14-03-2023 | 2.342.848.423 |
Buildings and parcels at the address
- Ground area
- 710 m²
- Buildings
- 117 m²
- Volume, LiDAR
- 983 m³
- Tallest building
- 11.8 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 13040C0914/00F000 | 710 m² | 1 · 117 m² | 11.8 m · 3 |