The Cops
ActiveThe Cops has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.16M and a net result of €2k. Equity is growing by ~15.4% per year across the filed fiscal years. Its solvency ranks better than 79% of 9095 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
83
/ 100
Excellent▼ -17 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-100
Solvency100=
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €180k at 30 days acceptable
Liquidity ample (current ratio 7.71 against 5.17 in 2024), and 29.4% 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.
−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 →
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
70.6%
Return on assets
0.1%
Age of the figures
8 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 31-12-2025 was due by 31-07-2026 and was filed on 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
44 d early
2023
1 d early
2022
21 d early
2021
26 d late
2020
31 d late
2019
31 d early
← 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€2.16M▼ 7.7%
2024 · €2.34M
2018: €771k
2019: €974k
2020: €1.22M
2021: €1.26M
2022: €1.46M
2023: €1.55M
2024: €2.34M
2018 → 2025
Total assets
€3.06M▼ 10.4%
2024 · €3.41M
2018: €973k
2019: €1.18M
2020: €1.67M
2021: €1.88M
2022: €2.40M
2023: €2.41M
2024: €3.41M
2018 → 2025
Net result
€2k▼ 99.7%
2024 · €724k
2018: €182k
2019: €202k
2020: €250k
2021: €241k
2022: €199k
2023: €178k
2024: €724k
2018 → 2025
Working capital
€900k▼ 1.2%
2024 · €911k
2018: €454k
2019: €678k
2020: €594k
2021: €471k
2022: €420k
2023: €498k
2024: €911k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.26M-€1.46M▲ 15.7%€1.55M▲ 6.1%€2.34M▲ 50.7%€2.16M▼ 7.7%
Operating result€353k-€299k▼ 15.5%€269k▼ 10.0%€1.07M▲ 299%€-36k
Net result€241k-€199k▼ 17.6%€178k▼ 10.5%€724k▲ 308%€2k▼ 99.7%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €36k after €1.07M in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.06M
Fixed assets
€2.02M▼ 11.3%
Current assets
€1.03M▼ 8.5%
Equity and liabilities €3.06M
Equity
€2.16M▼ 7.7%
Debt
€899k▼ 16.2%
The debt ratio falls from 31.4% to 29.4%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€94k▼
2024 · €1.20M
Cash flow
€132k▼
2024 · €846k
Solvency
70.6%▲
2024 · 68.6%
Current ratio
7.71▲
2024 · 5.17
Quick ratio
7.71▲
2024 · 5.17
Debt / equity
0.42▼
2024 · 0.46
ROE
0.1%▼
2024 · 31.0%
ROA
0.1%▼
2024 · 21.2%
Interest coverage
5.23▼
2024 · 66.00
Debt
€899k▼
2024 · €1.07M
Debt ≤ 1 year
€134k▼
2024 · €218k
Debt > 1 year
€764k▼
2024 · €854k
Income taxes
€782▼
2024 · €348k
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€3.41M€3.06M▼
Fixed assets21/28€2.28M€2.02M▼
Intangible fixed assets21€5k€0▼
Tangible fixed assets22/27€2.28M€2.02M▼
Land and buildings22€1.35M€1.16M▼
Plant, machinery and equipment23€8k€10k▲
Furniture and vehicles24€183k€174k▼
Other tangible fixed assets26€734k€684k▼
Financial fixed assets28€70€70=
Current assets29/58€1.13M€1.03M▼
Amounts receivable after more than one year29€850k€0▼
Other amounts receivable291€850k€0▼
Amounts receivable within one year40/41€66k€271k▲
Trade receivables40€24k€20k▼
Other amounts receivable41€43k€251k▲
Current investments50/53€177k€318k▲
Cash at bank and in hand54/58€23k€175k▲
Deferred charges and accrued income490/1€13k€270k▲
Equity and liabilities
Total equity and liabilities10/49€3.41M€3.06M▼
Equity10/15€2.34M€2.16M▼
Contributions10/11€19k€19k=
Reserves13€2.12M€1.94M▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€80k€80k=
Distributable reserves133€2.03M€1.85M▼
Profit (loss) carried forward14€204k€204k=
Amounts payable17/49€1.07M€899k▼
Amounts payable after more than one year17€854k€764k▼
Financial debts170/4€854k€764k▼
Amounts payable within one year42/48€218k€134k▼
Current portion of amounts payable after more than one year42€103k€90k▼
Trade debts44€14k€22k▲
Suppliers440/4€14k€22k▲
Taxes, remuneration and social security45€102k€22k▼
Taxes450/3€102k€22k▼
Other amounts payable47/48€355€355=
Accrued charges and deferred income492/3-€500
Income statement
Code20242025
Non-recurring operating income76A€850k€54k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€122k€130k▲
Other operating charges640/8€24k€12k▼
Non-recurring operating charges66A€4k€0▼
Gross operating margin9900€1.22M€107k▼
Operating profit (loss)9901€1.07M€-36k▼
Financial income75/76B€18k€56k▲
Recurring financial income75€11k€56k▲
Non-recurring financial income76B€7k€0▼
Financial charges65/66B€18k€18k▼
Recurring financial charges65€18k€18k▼
Profit (loss) for the period before taxes9903€1.07M€3k▼
Income taxes67/77€348k€782▼
Profit (loss) for the period9904€724k€2k▼
Profit (loss) for the period to be appropriated9905€724k€2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€928k€206k▼
Profit (loss) brought forward from the previous period14P€204k€204k=
Transfer from equity791/2€0€182k▲
Transfer to equity691/2€724k€2k▼
To other reserves6921€724k€2k▼
Profit to be distributed694/7€0€182k▲
Return on contributions (dividend)694€0€182k▲
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (21 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €2k ▼99.7%
Net result drops to €2k, the lowest in the series.
17-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €724k ▲308%
Operating result €1.07M, net result €724k, both a record.
31-12
Financial
Equity above €2MEq €2.34M ▲50.7%
7 profitable years in a row build equity to €2.34M.
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
10-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 26 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Equity above €1MEq €1.22M ▲25.7%
3 profitable years in a row build equity to €1.22M.
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
25-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
05-07
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.
Directors · office · real estate
Directors
1 director, no change since 2023
Bernard COPS
CurrentDirector · since 27-12-2023
27-12-2023
Appointed as Director
Location & real-estate footprint
Registered office, Lanaken · 2 establishment units 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.
Schuttershofstraat 233620 LanakenGround area
1,064 m²
Building footprint
199 m²
Volume, LiDAR
1,247 m³
2 parcels, Flanders · tallest building 9.9 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
The Cops
since 20102.188.036.720
The Cops
since 20132.219.898.844
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73057A0310/00W003 | Flanders | 634 m² | 1 · 97 m² | 9.1 m · 2 fl. |
| 71327G0424/00M003 | Flanders | 430 m² | 1 · 102 m² | 9.9 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 50 EUR awarded · 50 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 50 EUR | 50 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 11,700 companies in sector 68310 we hold annual accounts for 6,875. 2,673 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-05-2010
Fiscal year end31-12
Activities, NACEBEL
68310Real estate agency activities
68311Real estate activities
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.