Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Negative equity NBB
More debt than assets in 2 of the last 4 fiscal years.
-
Two loss years in a row NBB
Negative result in 2024 and 2025.
Financials
Financial year 2025
COPILOT PATRIMOINE from Liège, company number BE0818046035, closed financial year 2025 with a result of € -3,115 after tax. For that financial year COPILOT PATRIMOINE recorded a gross margin of € 5,251 and equity of € -5,167. Compared with financial year 2024, the result moved from € -10,954 to € -3,115. The company made a loss. More debts than assets. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on July 6, 2026.
€ -5,167
▼ € 3,115 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -3,115
▲ 72 % less loss than in 2024
Profit after tax over the fiscal year.
€ 6,395
▲ 4% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -23,767.
People and assets in 2025
0.4
Average over the fiscal year, from the social balance sheet.
€ 7,325
▼ 65% vs 2024
Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
Debts at end 2025
None
No bank loans on the last day of the fiscal year.
€ 13,841
▲ € 13,108 vs 2024
Supplier invoices still open on the last day of the fiscal year.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 22,754 | € 22,578 | € 12,727 | € 5,251 | ▼ 59% |
| Profit after taxes | € 2,500 | € -836 | € -10,954 | € -3,115 | ▲ € 7,840 |
| Equity | € 9,737 | € 8,902 | € -2,053 | € -5,167 | ▼ € 3,115 |
| Total debts | € 16,990 | € 25,203 | € 23,984 | € 40,266 | ▲ 68% |
| Cash | € 716 | € 3,240 | € 6,128 | € 6,395 | ▲ 4% |
| Retained profit | € -8,863 | € -9,698 | € -20,653 | € -23,767 | ▼ € 3,115 |
| Balance sheet total | € 26,727 | € 34,105 | € 21,931 | € 35,099 | ▲ 60% |
| Employees (FTE) | 0.4 | 0.4 | 0.4 | 0.4 |
Key figures of COPILOT PATRIMOINE, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to COPILOT PATRIMOINE?
What happened at COPILOT PATRIMOINE in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 3,115. Source: NBB ↗
- Pascal ERPICUM became a director. NBB
- New establishment in Liège. KBO
- Start of the company according to the CBE. KBO
In short
From € 2,500 profit in 2022 to € 3,115 loss in 2025.
Best year ever: 2022, with € 2,500 profit.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
The stake of COPILOT comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
COPILOT PATRIMOINEBehind COPILOT PATRIMOINE are Pascal ERPICUM, Frédéric LOVERIUS, Michaël GEREON and YVES BESSEMANS. The shares are held by COPILOT (99.5%).
Directors
According to the 2025 annual accounts
Pascal ERPICUM
Director
Also active at: COPILOT, Société du Quai, COPILOT MANAGEMENT, EPC Consult, AQUALYS MANAGEMENT
since 2025
Frédéric LOVERIUS
Director
Michaël GEREON
Director
YVES BESSEMANS
Director
Also active at: ICARUS, COPILOT, COPILOT MANAGEMENT, GESTYS, ICARUS GROUP, ALLIANCE DES ROBINETIERS EUROPEENS
Shareholders
99.5%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Quai Godefroid-Kurth 30
4020 Liège
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 4 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Website
Technologies
Hosting & Email
Email provider
Microsoft 365
Hosting
MAEHDROS-AS, BE
DNS
OVH DNS
Website info
Features
Security
Network
Details
- Company number
- 0818.046.035
- VAT number
- BE 0818.046.035
- Registered office
- Quai Godefroid-Kurth 30, 4020 Liège
- Names & denominations
- COPILOT PATRIMOINE
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 26 August 2009
- Peppol
- Active · Active since 7 Jan 2026
- Contact
- copilot.be
- Activities · NACE
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