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A&B STUDIO

Active
Private limited companyfounded 20251 yr activeRue à Dettes 96, 6150 Anderlues, BelgiumKBO/BCE: BE 1018.496.139
Summary

A&B STUDIO has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3,804 and a net result of -€196. Its solvency ranks better than 40% of 9537 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).

Checked score

Score 2025
Axes
Profitability66
Solvency68
Growth-
Track record67
Bankruptcy probability, 12 months
0.6% Low
0%0.5%1.5%4%10%≥ 25%
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Signals

Five 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 71
Relative position
BE, all sectors
reference
Architectural and engineering activities; technical testing and analysis (NACE 71)
about 56% fewer bankruptcies
← fewer bankruptcies more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 1 year 0 10 y
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 2025
Solvency, return and age of the figures
Solvency
43.5%
Return on assets
-2.2%
Age of the figures
9 mo
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
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 · 1 filing
Deviation from the deadline
2025
27 d late
← before the deadline after the deadline →
Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

On 9 January 2025, A&B STUDIO was incorporated as a Private limited company.1 The company has filed annual accounts once, for fiscal year 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2025

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Financials · fiscal year 2025, micro schema

Equity
€3,804
Total assets
€8,749
Net result
-€196
Working capital
€1,061

Turnover and EBIT margin not published: the micro schema does not require them.

Balance-sheet composition
Assets €8,749
Fixed assets €2,743
Current assets €6,006
Equity and liabilities €8,749
Equity €3,804
Debt €4,945
Debt finances 56.5% of the balance-sheet total.
Key figures and ratios
2025 value
EBITDA
€990
Cash flow
€490
Current ratio
1.21
Debt to equity
1.30
ROE
-5.2%
ROA
-2.2%
Interest coverage
7.08
Debt ≤ 1 year
€4,945
Income taxes
€360

Peer companies

Historical observation

Of the 277 companies that looked in July 2024 the way this one looks now, 0.7% went bankrupt within 24 months and 97% are still going.

  • Micro
  • under 2 years old
  • solvency 30% or more
  • a small loss
0.7% went bankrupt
2.5% stopped otherwise
97% still going

For this company itself Checked computes a bankruptcy probability of 0.6% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.6%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 277 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 · 30 lines
Balance sheet Code2025
Assets
Total assets20/58€8,749
Fixed assets21/28€2,743
Tangible fixed assets22/27€2,743
Furniture and vehicles24€2,743
Current assets29/58€6,006
Amounts receivable within one year40/41€2,303
Trade receivables40€2,303
Cash at bank and in hand54/58€3,503
Deferred charges and accrued income490/1€201
Equity and liabilities
Total equity and liabilities10/49€8,749
Equity10/15€3,804
Contributions10/11€4,000
Profit (loss) carried forward14-€196
Amounts payable17/49€4,945
Amounts payable within one year42/48€4,945
Trade debts44€242
Suppliers440/4€242
Taxes, remuneration and social security45€554
Taxes450/3€554
Other amounts payable47/48€4,149
Income statement Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€686
Gross operating margin9900€990
Operating profit (loss)9901€304
Financial charges65/66B€140
Recurring financial charges65€140
Profit (loss) for the period before taxes9903€164
Income taxes67/77€360
Profit (loss) for the period9904-€196
Profit (loss) for the period to be appropriated9905-€196
Appropriation of the result
Profit (loss) to be appropriated9906-€196

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€686
Gross operating margin9900€990
Operating profit (loss)9901€304
Financial charges65/66B€140
Recurring financial charges65€140
Profit (loss) for the period before taxes9903€164
Income taxes67/77€360
Profit (loss) for the period9904-€196
Profit (loss) for the period to be appropriated9905-€196
Line2025
Assets
Total assets20/58€8,749
Fixed assets21/28€2,743
Tangible fixed assets22/27€2,743
Furniture and vehicles24€2,743
Current assets29/58€6,006
Amounts receivable within one year40/41€2,303
Trade receivables40€2,303
Cash at bank and in hand54/58€3,503
Deferred charges and accrued income490/1€201
Equity and liabilities
Total equity and liabilities10/49€8,749
Equity10/15€3,804
Contributions10/11€4,000
Profit (loss) carried forward14-€196
Amounts payable17/49€4,945
Amounts payable within one year42/48€4,945
Trade debts44€242
Suppliers440/4€242
Taxes, remuneration and social security45€554
Taxes450/3€554
Other amounts payable47/48€4,149
Line2025
Profit (loss) for the period9904-€196
+ Depreciation and write-downs630€686
Operating cash flow (approximation)€490

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2026
27-08
NBB filing Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
NBB filing
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

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Directors · office · real estate

Directors
1 act for this company is 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, Anderlues · 1 establishment unit since 2025
seat establishment approximate The establishment unit on the map
Ground area
648 m²
Building footprint
134 m²
Volume, LiDAR
515 m³
Parcel 56302D0697/00B003, Wallonia · tallest building 4.7 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
A&B STUDIO
Rue à Dettes 96, 6150 AnderluesActivities of interior architects
since 20252.368.971.315
1 parcel
Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
56302D0697/00B003indicative Wallonia 648 m² 1 · 134 m² 4.7 m · 1 fl.
Linked by address, not proof of ownership
Good to know
0 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

Of 3,924 companies in sector 71112 we hold annual accounts for 1,296. 474 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded09-01-2025
Fiscal year end31-12
Activities, NACEBEL 2025
71112Activities of interior architects
Contact
E-mail crespinautumn@gmail.com
E-invoicing
Reachable via Peppol
Peppol ID 0208:1018496139
Registered 11-01-2026

Register as of 27 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.