COPHA
ActiveThe computed 12-month bankruptcy probability of COPHA is 3.7% (moderate). The 2025 annual accounts show equity of €80k and a net result of €37k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 93% of 13204 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
79
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+95
Solvency100▲+19
Growth78=
Track record100
Bankruptcy probability, 12 months
3.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 6.31 against 2.02 in 2024; short-term debt: 15.8% and cash: 94.7% of total assets), and 15.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Nine signals. The signal on the left, the evidence on the right.
−lowers risk+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 →
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
84.2%
Return on assets
38.3%
Age of the figures
9 mo
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
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year €80k
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 · 7 filingsDeviation from the deadline
2025
31 d late
2024
30 d late
2023
29 d late
2022
31 d late
2021
25 d late
2020
31 d late
2019
31 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€80k▲ 83.4%
2024 · €44k
2019: €9k
2020: €-19k
2021: €5k
2022: €58k
2023: €52k
2024: €44k
2019 → 2025
Total assets
€95k▲ 21.0%
2024 · €79k
2019: €56k
2020: €29k
2021: €46k
2022: €98k
2023: €103k
2024: €79k
2019 → 2025
Net result
€37k
2024 · €-8k
2019: €-9k
2020: €-29k
2021: €25k
2022: €53k
2023: €-6k
2024: €-8k
2019 → 2025
Working capital
€80k▲ 123%
2024 · €36k
2019: €12k
2020: €-14k
2021: €7k
2022: €50k
2023: €45k
2024: €36k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€5k-€58k▲ 998%€52k▼ 10.0%€44k▼ 16.1%€80k▲ 83.4%
Operating result€15k-€64k▲ 321%€-4k€-9k▼ 96.4%€51k
Net result€25k-€53k▲ 113%€-6k€-8k▼ 44.1%€37k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €51k after a loss of €9k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €95k
Fixed assets
€284▼ 96.4%
Current assets
€95k▲ 34.0%
Equity and liabilities €95k
Equity
€80k▲ 83.4%
Debt
€15k▼ 57.0%
The debt ratio falls from 44.5% to 15.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€52k▲
2024 · €-5k
Cash flow
€38k▲
2024 · €-5k
Solvency
84.2%▲
2024 · 55.5%
Current ratio
6.31▲
2024 · 2.02
Quick ratio
6.31▲
2024 · 2.02
Debt / equity
0.19▼
2024 · 0.80
ROE
45.5%▲
2024 · -19.1%
ROA
38.3%▲
2024 · -10.6%
Interest coverage
26.70▲
2024 · -33.83
Debt
€15k▼
2024 · €35k
Debt ≤ 1 year
€15k▼
2024 · €35k
Income taxes
€16k▲
2024 · €660
Staff costs
€104k▼
2024 · €110k
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€79k€95k▲
Fixed assets21/28€8k€284▼
Tangible fixed assets22/27€8k€284▼
Plant, machinery and equipment23€6k-
Furniture and vehicles24€2k€284▼
Current assets29/58€71k€95k▲
Amounts receivable within one year40/41€7k€5k▼
Trade receivables40€3k€5k▲
Other amounts receivable41€4k-
Cash at bank and in hand54/58€62k€90k▲
Deferred charges and accrued income490/1€2k€74▼
Equity and liabilities
Total equity and liabilities10/49€79k€95k▲
Equity10/15€44k€80k▲
Contributions10/11€19k€19k=
Profit (loss) carried forward14€25k€62k▲
Amounts payable17/49€35k€15k▼
Amounts payable within one year42/48€35k€15k▼
Financial debts43€27€274▲
Credit institutions430/8€27€274▲
Trade debts44€11k€7k▼
Suppliers440/4€11k€7k▼
Taxes, remuneration and social security45€23k€8k▼
Taxes450/3€10k€3k▼
Remuneration and social security454/9€13k€5k▼
Other amounts payable47/48€350€168▼
Income statement
Code20242025
Non-recurring operating income76A-€3k
Remuneration, social security and pensions62€110k€104k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€1k▼
Other operating charges640/8€1k€931▼
Non-recurring operating charges66A-€6k
Gross operating margin9900€106k€163k▲
Operating profit (loss)9901€-9k€51k▲
Financial income75/76B€1k€4k▲
Recurring financial income75€758€534▼
Non-recurring financial income76B€635€3k▲
Financial charges65/66B€283€2k▲
Recurring financial charges65€160€2k▲
Non-recurring financial charges66B€123€277▲
Profit (loss) for the period before taxes9903€-8k€52k▲
Income taxes67/77€660€16k▲
Profit (loss) for the period9904€-8k€37k▲
Profit (loss) for the period to be appropriated9905€-8k€37k▲
Appropriation of the result
Profit (loss) to be appropriated9906€25k€62k▲
Profit (loss) brought forward from the previous period14P€34k€25k▼
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Back to profitnet €37k
Net result €37k after 2 loss-making years.
31-12
Financial
Liquidity triplescurrent ratio 6.31
Current ratio from 2.02 to 6.31; short-term debt falls from €35k to €15k.
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Highest result since 2019net €53k ▲113%
Operating result €64k, net result €53k, both a record.
25-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 25 days late
2021
31-12
Financial
Back to profitnet €25k
Net result €25k after 2 loss-making years.
31-12
Financial
Liquidity doublescurrent ratio 1.21
Current ratio from 0.55 to 1.21; short-term debt falls from €32k to €31k.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Weakest financial yearnet €-29k
Net result drops to €-29k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
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, Sint-Gillis (bij-Brussel) · 2 establishment units since 2018
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.
Antoine Bréartstraat 441060 Sint-Gillis (bij-Brussel)Ground area
120 m²
Building footprint
94 m²
Volume, LiDAR
1,304 m³
Parcel 21013B0386/00W007, Brussels · tallest building 17.6 m, ±5 floors. Linked by address, not a title deed.
2 establishment units
COPHA
since 20182.280.114.959
THE WILD LAB
since 20212.322.413.194
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21013B0386/00W007 | Brussels | 120 m² | 1 · 94 m² | 17.6 m · 5 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 siteSint-Gillis2.280.114.959
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Of 21,896 companies in sector 56112 we hold annual accounts for 9,784. 8,041 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded31-08-2018
Fiscal year end31-12
Activities, NACEBEL
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.