Restaurant De Copain
ActiveThe computed 12-month bankruptcy probability of Restaurant De Copain is 5.3% (elevated). The annual accounts of Restaurant De Copain for fiscal year 2025 show a net loss of 81% of the equity at the start of that year. The 2025 annual accounts show equity of €2k and a net result of €-8k. Equity is shrinking by ~48% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 29% of 13240 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
24
/ 100
Critical
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability2▼-25
Solvency29▼-14
Growth32=
Track record94
Bankruptcy probability, 12 months
5.3%
Elevated
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.85 against 1.38 in 2024; short-term debt: 82.8% and cash: 27.6% of total assets), and 95.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
+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 · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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
4.5%
Return on assets
-19.1%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
232425
2023 to 2025 · latest year €-8k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 3 filingsDeviation from the deadline
2025
31 d late
2024
35 d late
2023
36 d late
← 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€2k▼ 81.0%
2024 · €10k
2023: €11k
2024: €10k
2023 → 2025
Total assets
€40k▼ 25.2%
2024 · €54k
2023: €40k
2024: €54k
2023 → 2025
Net result
€-8k▼ 440%
2024 · €-1k
2023: €10k
2024: €-1k
2023 → 2025
Working capital
€-5k
2024 · €10k
2023: €27k
2024: €10k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€11k-€10k▼ 13.0%€2k▼ 81.0%
Operating result€14k-€3k▼ 80.7%€-3k
Net result€10k-€-1k€-8k▼ 440%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €3k after €3k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €40k
Fixed assets
€12k▼ 22.6%
Current assets
€28k▼ 26.3%
Equity and liabilities €40k
Equity
€2k▼ 81.0%
Debt
€39k▼ 13.3%
The debt ratio rises from 82.4% to 95.5%. Equity and debt are lower.
Key figures and ratios
EBITDA
€919▼
2024 · €5k
Cash flow
€-4k▼
2024 · €654
Solvency
4.5%▼
2024 · 17.6%
Current ratio
0.85▼
2024 · 1.38
Quick ratio
0.85▼
2024 · 1.38
Debt / equity
21.32▲
2024 · 4.68
ROE
-425.6%▼
2024 · -15.0%
ROA
-19.1%▼
2024 · -2.6%
Interest coverage
0.19▼
2024 · 1.42
Debt
€39k▼
2024 · €44k
Debt ≤ 1 year
€33k▲
2024 · €28k
Debt > 1 year
€3k▼
2024 · €17k
Income taxes
€312▼
2024 · €764
Staff costs
€695▲
2024 · €5
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€54k€40k▼
Fixed assets21/28€16k€12k▼
Tangible fixed assets22/27€16k€12k▼
Land and buildings22€4k€4k▼
Plant, machinery and equipment23€11k€8k▼
Furniture and vehicles24€571€309▼
Current assets29/58€38k€28k▼
Amounts receivable within one year40/41€20k€17k▼
Trade receivables40€11k€14k▲
Other amounts receivable41€9k€3k▼
Cash at bank and in hand54/58€18k€11k▼
Equity and liabilities
Total equity and liabilities10/49€54k€40k▼
Equity10/15€10k€2k▼
Contributions10/11€1k€1k=
Profit (loss) carried forward14€9k€808▼
Amounts payable17/49€44k€39k▼
Amounts payable after more than one year17€17k€3k▼
Financial debts170/4€17k€3k▼
Amounts payable within one year42/48€28k€33k▲
Current portion of amounts payable after more than one year42-€7k
Trade debts44€21k€17k▼
Suppliers440/4€21k€17k▼
Taxes, remuneration and social security45€7k€9k▲
Taxes450/3€7k€9k▲
Remuneration and social security454/9€143-
Accrued charges and deferred income492/3-€2k
Income statement
Code20242025
Remuneration, social security and pensions62€5€695▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€4k▲
Other operating charges640/8€515€2k▲
Gross operating margin9900€5k€4k▼
Operating profit (loss)9901€3k€-3k▼
Financial income75/76B€1€1=
Recurring financial income75€1€1=
Financial charges65/66B€3k€5k▲
Recurring financial charges65€3k€5k▲
Profit (loss) for the period before taxes9903€-661€-7k▼
Income taxes67/77€764€312▼
Profit (loss) for the period9904€-1k€-8k▼
Profit (loss) for the period to be appropriated9905€-1k€-8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€9k€808▼
Profit (loss) brought forward from the previous period14P€10k€9k▼
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
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €-8k
Net result drops to €-8k, the lowest in the series.
04-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 35 days late
2024
05-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 36 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Dilbeek · 1 establishment unit since 2022
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.
Verheydenstraat 181700 DilbeekGround area
148 m²
Building footprint
81 m²
Volume, LiDAR
791 m³
Parcel 23016D0055/00A002, Flanders · tallest building 11.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Restaurant De Copain
since 20222.338.067.115
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23016D0055/00A002 | Flanders | 148 m² | 1 · 81 m² | 11.7 m · 3 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteDilbeek2.338.067.115
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Of 20,495 companies in sector 56111 we hold annual accounts for 11,455. 2,563 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-11-2022
Fiscal year end31-12
Activities, NACEBEL
56101Full-service restaurants
56111Full-service restaurants
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.