CO-APTO
ActiveCO-APTO has been active since 1973 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €7k and a net result of €0. Equity is shrinking by ~13.8% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2027. Its solvency ranks better than 88% of 17638 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
78
/ 100
Excellent▲ +18 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency100=
Growth58▲+26
Stability100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 6.64 against 5.89 in 2024), and 18.9% 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 · 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 47
Relative position
BE, all sectors
reference
Sector 47
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
81.1%
Return on assets
0%
Age of the figures
8 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€0
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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
27 d late
2024
61 d late
2023
29 d late
2022
31 d late
2021
31 d late
2020
30 d late
2019
91 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
08-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€7k=
2024 · €7k
2018: €64k
2019: €66k
2020: €69k
2021: €66k
2022: €64k
2023: €13k
2024: €7k
2018 → 2025
Total assets
€9k▲ 0.4%
2024 · €9k
2018: €65k
2019: €66k
2020: €69k
2021: €67k
2022: €65k
2023: €15k
2024: €9k
2018 → 2025
Net result
€0▲ 100.0%
2024 · €-6k
2018: €-3k
2019: €1k
2020: €3k
2021: €-3k
2022: €-2k
2023: €-51k
2024: €-6k
2018 → 2025
Working capital
€7k▲ 6.5%
2024 · €7k
2018: €63k
2019: €65k
2020: €65k
2021: €63k
2022: €62k
2023: €12k
2024: €7k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€66k-€64k▼ 2.9%€13k▼ 80.0%€7k▼ 44.6%€7k=
Operating result€-3k-€-2k▲ 37.3%€-2k▼ 29.3%€-6k▼ 137%€-101▲ 98.3%
Net result€-3k-€-2k▲ 36.5%€-51k▼ 2,544%€-6k▲ 88.8%€0▲ 100.0%
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 €101 in 2025 against €6k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €9k
Fixed assets
€126▼ 70.9%
Current assets
€9k▲ 4.1%
Equity and liabilities €9k
Equity
€7k=
Debt
€2k▲ 1.9%
The debt ratio rises from 18.6% to 18.9%: debt grows faster than equity.
Key figures and ratios
EBITDA
€334▲
2024 · €-5k
Cash flow
€434▲
2024 · €-5k
Solvency
81.1%▼
2024 · 81.4%
Current ratio
6.64▲
2024 · 5.89
Quick ratio
3.93▲
2024 · 2.39
Debt / equity
0.23▲
2024 · 0.23
ROE
0.0%▲
2024 · -80.4%
ROA
0.0%▲
2024 · -65.4%
Interest coverage
4.11▲
2024 · -75.54
Debt
€2k▲
2024 · €2k
Debt ≤ 1 year
€1k▼
2024 · €1k
Income taxes
€3
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€9k€9k▲
Fixed assets21/28€434€126▼
Tangible fixed assets22/27€434-
Plant, machinery and equipment23€434-
Financial fixed assets28-€126
Current assets29/58€8k€9k▲
Stocks and contracts in progress3€5k€4k▼
Stocks30/36€5k€4k▼
Amounts receivable within one year40/41€2k€5k▲
Trade receivables40€514€34▼
Other amounts receivable41€2k€5k▲
Cash at bank and in hand54/58€1k€315▼
Deferred charges and accrued income490/1-€126
Equity and liabilities
Total equity and liabilities10/49€9k€9k▲
Equity10/15€7k€7k=
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€-13k€-13k=
Amounts payable17/49€2k€2k▲
Amounts payable within one year42/48€1k€1k▼
Trade debts44€301€703▲
Suppliers440/4€301€703▲
Taxes, remuneration and social security45€1k€598▼
Taxes450/3€1k€598▼
Accrued charges and deferred income492/3€217€358▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€704€434▼
Other operating charges640/8€536€645▲
Gross operating margin9900€-5k€979▲
Operating profit (loss)9901€-6k€-101▲
Financial income75/76B€122€185▲
Recurring financial income75€122€185▲
Financial charges65/66B€67€81▲
Recurring financial charges65€67€81▲
Profit (loss) for the period before taxes9903€-6k€3▲
Income taxes67/77-€3
Profit (loss) for the period9904€-6k€0▲
Profit (loss) for the period to be appropriated9905€-6k€0▲
Appropriation of the result
Profit (loss) to be appropriated9906€-13k€-13k=
Profit (loss) brought forward from the previous period14P€-8k€-13k▼
The notes to these accounts (8 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
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Weakest financial yearnet €-51k
Net result drops to €-51k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-12
Financial
Highest result since 2018net €3k ▲119%
Operating result €3k, net result €3k, both a record.
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
2019
31-12
Financial
Back to profitnet €1k
Net result €1k after one loss-making year.
31-12
Financial
Liquidity times 12current ratio 707.67
Current ratio from 58.06 to 707.67; short-term debt falls from €1k to €92.
16-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
01-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
15-05
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
3 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, Zandhoven · 1 establishment unit since 1973
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.
Slangenbos 242243 ZandhovenGround area
1,285 m²
Building footprint
319 m²
Volume, LiDAR
989 m³
2 parcels, Flanders · tallest building 6.1 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
CO-APTO
since 19732.008.448.346
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11055C0300/00L002 | Flanders | 927 m² | 1 · 249 m² | 6.1 m · 1 fl. |
| 11034A0107/00P000 | Flanders | 358 m² | 1 · 70 m² | - |
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.
Similar companies · same sector, comparable size
PROGIAN
BE 0641.625.207
Binche · Eq €7k
Antwerpse Aquarium Groep
BE 0751.788.008
Antwerpen · Eq €7k
Pootjes en pluimen
BE 0791.745.276
Hoeilaart · Eq €7k
't Kuikenhof
BE 0762.871.940
Beveren-Kruibeke-Zwijndrecht · Eq €7k
EQUI Partner FV +
BE 1027.982.343
Seneffe · Eq €7k
Of 1,323 companies in sector 47762 we hold annual accounts for 478. 178 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded01-04-1973
Fiscal year end31-12
Activities, NACEBEL
47762Retail sale of pets, pet food and pet supplies
96994Pet training
Sources
Crossroads Bank for EnterprisesNational Bank · 45 filingsAddress and cadastre registers
Data from official sources, last processed on 07-09-2026. Scores and ratios are computed by Checked and are not a credit decision.