Vincent Cops Windowcleaning
ActiveSummary
The computed 12-month bankruptcy probability of Vincent Cops Windowcleaning is 3.0% (moderate). The annual accounts of Vincent Cops Windowcleaning for fiscal year 2025 show a net loss of 65% of total assets. The 2025 annual accounts show equity of €14k and a net result of €-14k. Equity is shrinking by ~9.1% per year across the filed fiscal years. Its solvency ranks better than 77% of 4486 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
51
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-52
Solvency92▼-8
Growth32▼-20
Track record94
Bankruptcy probability, 12 months
3.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity ample (current ratio 2.91 against 4.26 in 2024; short-term debt: 32.8% and cash: 36.1% of total assets), and 32.8% 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.
+raises risk○neutral
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 81
Relative position
BE, all sectors
reference
Sector 81
higher
← 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
67.2%
Return on assets
-64.5%
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
22232425
2022 to 2025 · latest year €-14k
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 4 filingsDeviation from the deadline
2025
27 d late
2024
43 d early
2023
47 d early
2022
25 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€14k▼ 49.0%
2024 · €28k
2022: €25k
2023: €30k
2024: €28k
2022 → 2025
Total assets
€21k▼ 40.9%
2024 · €36k
2022: €41k
2023: €47k
2024: €36k
2022 → 2025
Net result
€-14k▼ 975%
2024 · €-1k
2022: €23k
2023: €4k
2024: €-1k
2022 → 2025
Working capital
€14k▼ 48.7%
2024 · €26k
2022: €21k
2023: €25k
2024: €26k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€25k-€30k▲ 17.1%€28k▼ 4.4%€14k▼ 49.0%
Operating result€29k-€6k▼ 79.6%€-997€-14k▼ 1,268%
Net result€23k-€4k▼ 81.3%€-1k€-14k▼ 975%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €14k in 2025 against €997 in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €21k
Fixed assets
€937 ▼ 52.5%
Current assets
€21k ▼ 40.3%
Equity and liabilities €21k
Equity
€14k ▼ 49.0%
Debt
€7k ▼ 12.7%
Debt's share of the balance-sheet total rises from 22.2% to 32.8%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-12k▼
2024 · €2k
Cash flow
€-12k▼
2024 · €2k
Current ratio
2.91▼
2024 · 4.26
Debt to equity
0.49▲
2024 · 0.29
ROE
-96.0%▼
2024 · -4.6%
ROA
-64.5%▼
2024 · -3.5%
Interest coverage
-53.01▼
2024 · 4.55
Debt ≤ 1 year
€7k▼
2024 · €8k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 35 lines
Balance sheet
Code20242025
Assets
Total assets20/58€36k€21k▼
Fixed assets21/28€2k€937▼
Tangible fixed assets22/27€2k€937▼
Plant, machinery and equipment23€2k€937▼
Current assets29/58€34k€21k▼
Amounts receivable within one year40/41€25k€12k▼
Trade receivables40€20k€12k▼
Other amounts receivable41€5k€662▼
Cash at bank and in hand54/58€9k€8k▼
Deferred charges and accrued income490/1€344€472▲
Equity and liabilities
Total equity and liabilities10/49€36k€21k▼
Equity10/15€28k€14k▼
Contributions10/11€3k€3k=
Profit (loss) carried forward14€25k€11k▼
Amounts payable17/49€8k€7k▼
Amounts payable within one year42/48€8k€7k▼
Trade debts44€5k€7k▲
Suppliers440/4€5k€7k▲
Taxes, remuneration and social security45€3k€53▼
Taxes450/3€1k€53▼
Remuneration and social security454/9€2k-
Other amounts payable47/48-€375
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€2k▼
Other operating charges640/8-€341
Gross operating margin9900€2k€-11k▼
Operating profit (loss)9901€-997€-14k▼
Financial income75/76B€144-
Recurring financial income75€144-
Financial charges65/66B€437€222▼
Recurring financial charges65€437€222▼
Profit (loss) for the period before taxes9903€-1k€-14k▼
Profit (loss) for the period9904€-1k€-14k▼
Profit (loss) for the period to be appropriated9905€-1k€-14k▼
Appropriation of the result
Profit (loss) to be appropriated9906€25k€11k▼
Profit (loss) brought forward from the previous period14P€27k€25k▼
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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
31-12
Financial
Weakest financial yearnet €-14k
Net result drops to €-14k, the lowest in the series.
18-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
14-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
06-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Lommel · 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.
Kanaalstraat 333920 LommelGround area
587 m²
Building footprint
99 m²
Volume, LiDAR
639 m³
Parcel 72343E1062/00L002, Flanders · tallest building 9.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Vincent Cops Windowcleaning
since 20222.327.682.274
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72343E1062/00L002 | Flanders | 587 m² | 1 · 99 m² | 9.1 m · 2 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.
Similar companies · same sector, comparable size
MHM construct
BE 0798.473.316
Verviers · Eq €14,436
LDL GEVELWERKEN
BE 0773.481.760
Hasselt · Eq €14,431
4EVERSHINE
BE 0805.663.786
Temse · Eq €14,410
T.C.G.
BE 0638.912.373
Mol · Eq €14,481
VELTMANS RENOVATIE
BE 0865.013.831
Scherpenheuvel-Zichem · Eq €14,296
Of 7,013 companies in sector 81220 we hold annual accounts for 2,416. 1,642 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-02-2022
Fiscal year end31-12
Activities, NACEBEL 2025
81220Other building cleaning and industrial cleaning
81210General cleaning of buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.