Equity
-€18,209
Debts exceed assets in financial year 2025.
De Studio
Overview
Lifetime
2 annual accounts with figures on one time axispeak -€553 (2024)
-€21,601▼ €21,049
lowest -€27,657 (2025)
-€27,657▼ €27,104
peak €4,447 (2024)
-€18,209▼ €22,657
€39,727▲ 592%
Board2 names since 2025
2 directorsJan François Jeannine MARTENS and 1 other
Documentsfilings and deeds
31-08-202631 days late
2025abbreviated format
Gross margin from -€553 to -€21,601Loss of €27,657Incorporation 02-01Equity from €4,447 to -€18,209Debts from €5,744 to €39,727Investments €16,921
Key points
from the 2025 annual accountsLosses
-€28,209 in two years
The 2024 and 2025 financial years closed with a loss. 2025 was the heaviest.
Debts
€39,727 185% of the balance sheet
Investments
€14,537 2.6 × depreciation
Green is investment, beige is depreciation.
Liquidity
0.15 was 0.87 in 2024
Short-term debts rose from €5,744 to €39,727.
Position in the sector
-84.6%
Lower solvency than 95% of companies in education. Sector median 55.4% · 846 companies.
2025 accounts filed 31 days after the deadlineTurnover not published (abbreviated or micro format)
Checked score
52
Fair
Financially stronger than 4% of micro companies in education (NACE 85)
Probability in this band: 1.5% to 4.2%
Negative equity caps the score at 59.
Bankruptcy probability within 12 months
0.8% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 3,825 companies (NACE 85, micro).
About 8 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
01-2026: 0.3%lowest value
02-2026: 0.3%● unchanged vs 01-2026lowest value
03-2026: 0.3%● unchanged vs 02-2026
04-2026: 0.4%▲ +0.1 percentage points vs 03-2026
05-2026: 0.4%● unchanged vs 04-2026
06-2026: 0.4%● unchanged vs 05-2026
07-2026: 0.4%● unchanged vs 06-2026
08-2026: 0.7%▲ +0.3 percentage points vs 07-2026
09-2026: 0.8%▲ +0.1 percentage points vs 08-2026highest value
10-2026: 0.8%● unchanged vs 09-2026
11-2026: 0.8%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Capped at 59: negative equity
Negative equity -€18,209
Liquidity: current ratio 0.15, cash €149
lowers risk
Sector: Education (NACE 85)
Size: total assets €21,518
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 85, micro). It does better than 6% of them on solvency, 2% on liquidity, 6% on profitability and 1% on growth.
The bankruptcy probability was computed on 10-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 1,322 companies had the same profile as De Studio has now. Each dot stands for 4 companies, two years later.
90.2%
were still trading
5.5%
stopped another way
4.2%
went bankrupt
The bankruptcy probability of De Studio itself is lower: 0.8% within 12 months. It rests on far more data about De Studio than the profile alone.
Test of the method
The method was tested on the 497,448 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 1,322 companies, not a prediction for De Studio. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
No credit on open account
Liquidity is insufficient, with a current ratio of 0.15 (0.87 in 2024), below 1. Short-term debt is 184.6% and cash 0.7% of total assets. Equity is negative.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Seven signals.
lowers riskraises risk
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
2425
2024 to 2025 · latest year -€18,209
raises risk · Young company
Founded in 2024, a year ago. Young companies fail more often than established ones; the risk is highest 2 to 8 years after founding.
KBO · incorporation dateAge against the risk zone
raises risk · 2025 accounts filed 31 days late
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. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 2 filingsDeviation from the deadline
2025
31 days late
2024
30 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 2 accounts on average 31 days after the deadline. In the sector (NACE 85), the median for financial year 2024 was 16 days before the deadline, and 32% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsWhere today falls in the filing period
11-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- Jan François Jeannine MARTENS founderdeed of 02-01-2025
- Liesbeth Rita Hubert DE WOLF founderdeed of 02-01-2025
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1018064884
Resignation: Liesbeth De Wolf (director)
General meeting of 10-03-2026 · Gazette deed
Incorporation
Founding capital of €5,000 · Founders: Jan François Jeannine MARTENS (founder and shareholder) and Liesbeth Rita Hubert DE WOLF (founder and shareholder) · Appointments: Jan François Jeannine MARTENS (director) and Liesbeth Rita Hubert DE WOLF (director) · published on 02-01-2025 · Gazette deed
First establishment
Vrijheid 34C, Hoogstraten
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| De Studio Hoogstraten | €21,518 | -€21,601 | -84.6% | - |
| Customs Solutions Academy Wijnegem | €18,112 | -€30,171 | -136.7% | - |
| Constellation Atelier Uccle | €18,192 | -€374 | 40.1% | - |
| LANGOO Saint-Ghislain | €15,268 | -€3,514 | 54.8% | - |
| Gratitude&Grace Staden | €26,434 | -€32,134 | -107.5% | - |
| NOBLEPROG BELGIQUE Auderghem | €21,502 | -€2,740 | 27.4% | - |
| HAPPY TO FLY Soignies | €12,926 | €880 | 76.1% | - |
These companies have the same main activity as De Studio: other education (NACE 85599). They are comparable in size and age: total assets between €12,900 and €26,400, founded between 2023 and 2025.
Official details
Source: KBO- Status
- Active since 30-12-2024Normal situation
- Activity
- Other educationNACE 85599and 5 others
- Establishment unit
- 2.369.935.3752320 Hoogstraten, since 30-12-2024
- Financial year end
- 31 December
- Peppol
- Reachable since 21-10-2026
Annual accounts 2025
- -€21,601▼ 3,809%
- €27,657▲ 50×
- -€18,209
- €21,518▲ 111%
- Filing
- Filed on 31-08-2026
Insights on De Studio
De Studio has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€18,209) and a net result of -€27,657.
Its solvency ranks better than 5% of 846 sector peers (NACE 85, financial year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
abbreviated format, filed on 31-08-2026, 31 days late-€21,601
▼ €21,049
-€27,607
▼ €27,055
-€27,657
▼ €27,104
-€33,787
▼ €33,043
-84.6%
▼ 128.3 percentage points
0.15
▼ 0.72
Turnover and EBIT margin are not published. The abbreviated or micro format does not require them.
Balance sheet
balance sheet total €21,518 on 31-12-2025What the company ownsHow it is paid for
in euro
Position in the sector
-84.6%
Lower than 95% of 846 companies in 2025.
0.15
Lower than 95% of 823 companies in 2025.
-128.5%
Lower than 95% of 835 companies in 2025.
De Studio
Middle half of the sector
80% of the sector
Abbreviated accounts in education (NACE 85)
Net result: bottom quarter · Equity: bottom quarter · Balance sheet total: bottom quarter · Working capital: bottom quarter
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 |
|---|---|---|---|
| Balance sheet: assets | |||
20/58 |
21,518 | 10,191 | |
20 |
0 | 1,048 | |
21/28 |
15,578 | 4,143 | |
21 |
14,425 | 4,143 | |
22/27 |
1,152 | - | |
23 |
1,152 | - | |
29/58 |
5,941 | 5,000 | |
40/41 |
5,792 | 5,000 | |
40 |
728 | - | |
41 |
5,064 | 5,000 | |
54/58 |
149 | - | |
| Balance sheet: equity and liabilities | |||
10/49 |
21,518 | 10,191 | |
10/15 |
-18,209 | 4,447 | |
10/11 |
10,000 | 5,000 | |
10 |
5,000 | - | |
100 |
5,000 | - | |
11 |
5,000 | - | |
1109/19 |
5,000 | - | |
14 |
-28,209 | -553 | |
17/49 |
39,727 | 5,744 | |
42/48 |
39,727 | 5,744 | |
44 |
6,839 | 5,744 | |
440/4 |
6,839 | 5,744 | |
47/48 |
32,888 | - | |
| Income statement | |||
9900 |
-21,601 | -553 | |
630 |
5,486 | - | |
640/8 |
520 | - | |
9901 |
-27,607 | -553 | |
65/66B |
49 | - | |
65 |
49 | - | |
9903 |
-27,657 | -553 | |
9904 |
-27,657 | -553 | |
9905 |
-27,657 | -553 | |
| Appropriation of the result | |||
9906 |
-28,209 | -553 | |
14P |
-553 | - | |
| Document | |||
The notes to these accounts have 8 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 31-08-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank2025 annual accounts filed 31 days after the deadline. Filed on 31 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00505344.
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 |
|---|---|---|---|
| -22,121 | - | ||
| -22,170 | - | ||
| 14,537 | 4,143 | ||
| -33,787 | -744 | ||
| -84.6% | 43.6% | ||
| 0.15 | 0.87 | ||
| - | 1.29 | ||
| - | -12.4% | ||
| -128.5% | -5.4% | ||
| -448.98 | - |
Debt to equity is not shown because equity is negative. Debt divided by negative equity means nothing.
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired| Item | 2025 | 2024 |
|---|---|---|
| Tangible fixed assets | €1,315 | - |
| Intangible fixed assets | €13,222 | €4,143 |
| €5,486 | - |
Source: notes to the 2024 to 2025 annual accounts (statement of fixed assets)
Insights on De Studio
The operating result for 2025 is a loss of €27,607, larger than the loss of €553 in 2024.
Equity is negative. Debt (€39,727) exceeds the balance-sheet total (€21,518).
Board & ownership
Board
1 director, no change since April 2026Director (not named in the articles)
appointed by deed of 02-01-2025
term without a fixed end
- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- Each director alonedeed of 02-01-2025
Mandates through the years
2 names, the dashed line is todayJan François Jeannine MARTENS
Director (not named in the articles)
Director (not named in the articles)
Liesbeth Rita Hubert DE WOLF
Director (not named in the articles)
Director (not named in the articles)
BoardEarlier
Mandates as a list
- Jan François Jeannine MARTENS
- Director (not named in the articles), appointed by deed of 02-01-2025, still in office
- Liesbeth Rita Hubert DE WOLF
- Director (not named in the articles), appointed by deed of 02-01-2025, until 15-04-2026
Control
This company
De Studio
Equity -€18,209
Loss €27,657 in 2025
Capital
- Contribution
- €5,000
- Source
- deed of 02-01-2025
Articles of association
deed of 02-01-2025 (in Dutch)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- 2 directors
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- First Friday of June at 10:00
Founders
At incorporation
deed of 02-01-2025 ↗
- Jan François Jeannine MARTENS founder
- Liesbeth Rita Hubert DE WOLF founder
Network & group
No group
De Studio has no parent and no holdings in its annual accounts. Jan François Jeannine MARTENS is the only director. De Studio shares no director with another company.
Timeline
Timeline
6 events since 2024Board
Filings
Establishments
202420252026
Deadline for the 2026 accounts: 31-07-2027
2026
Registered in the Peppol Directory Reachable for e-invoices through 0208:1018064884
Annual accounts 2025 filed NBBabbreviated format · 31 days late
Resignation: Liesbeth De Wolf (director)General meeting of 10-03-20262 points ▸
- General meeting, 10-03-2026
- Director resignation, Liesbeth De Wolf
2025
Annual accounts 2024 filed NBBmicro format · 30 days late
2024
IncorporationFounding capital of €5,000 · Founders: Jan François Jeannine MARTENS (founder and shareholder) and Liesbeth Rita Hubert DE WOLF (founder and shareholder) · Appointments: Jan François Jeannine MARTENS (director) and Liesbeth Rita Hubert DE WOLF (director) · published on 02-01-20256 points ▸
- Founder, Jan François Jeannine MARTENS (and shareholder)
- Founder, Liesbeth Rita Hubert DE WOLF (and shareholder)
- Founding capital, €5,000
- Director appointment, Jan François Jeannine MARTENS (director (not named in the articles))
- Director appointment, Liesbeth Rita Hubert DE WOLF (director (not named in the articles))
- Power of attorney, Stephane Van Roosbroeck
- The deed holds 3 more points.
First establishment Vrijheid 34C, Hoogstraten
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
On 30 December 2024, De Studio was incorporated as a private limited company by two natural persons, with a starting capital of €5,000.12 Jan François Jeannine MARTENS is director of the company, appointed by deed of 02-01-2025.2 The company has filed 2 sets of annual accounts, the latest for financial year 2025.3
Company details
Identity
- Enterprise number
- 1018.064.884
- VAT number
- BE 1018.064.884
- Peppol ID
- 0208:1018064884
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 30-12-2024
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- First Friday of June at 10:00deed of 02-01-2025 (in Dutch)
- Peppol
- Reachable since 21-10-2026Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- De Studio in Dutch
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 02-01-2025 (in Dutch)
- Name clauseThe company operates under this name according to its articles.
- De Studiodeed of 02-01-2025 (in Dutch)
- Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
- “Vrijheid 34 C, 2320 Hoogstraten”deed of 02-01-2025 (in Dutch)
Activities
NACEBEL 202585599
Other education main activity
62100
Computer programming
73110
Advertising agencies
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Het geven van alle mogelijk marketing advies; Het beheren van een online platform; Het uitvoeren van alle activiteiten als auteur; Het geven…”deed of 02-01-2025 (in Dutch)
25 activities
- Het geven van alle mogelijk marketing advies;
- Het beheren van een online platform;
- Het uitvoeren van alle activiteiten als auteur;
- Het geven van alle mogelijke coaching;
- Het geven van alle mogelijke opleidingen;
- De organisatie en logistieke ondersteuning van alle mogelijke evenementen;
- De groot- en kleinhandel van alle mogelijke producten;
- Het uitoefenen van managements-,consultings-,beheers- en beleggingsactiviteiten,waaronder begrepen: het uitoefenen van managementfuncties in diverse ondernemingen,het sluiten van consulting overeenkomsten en het uitoefenen van consulting functies op onafhankelijke wijze;
- Consultancy op alle mogelijke gebieden,zowel juridisch,financieel,operationeel en op het gebied van algemene strategie;
- Het beheer van een onroerend of roerend vermogen en de huurfinanciering van roerende en onroerende goederen aan derden,het aankopen,verkopen,ruilen,doen bouwen,doen verbouwen,onderhouden,verhuren,huren,verkavelen,prospecteren en uitbaten van onroerende goederen,alsmede alle handelingen die rechtstreeks of onrechtstreeks met dit voorwerp in verband staan en die van aard zijn de opbrengst van de onroerende goederen te bevorderen,alsmede zich borgstellen voor het goede verloop van verbintenissen door derde personen aangegaan die het genot zouden hebben van deze onroerende goederen;
- Overige zakelijke dienstverlening;
- Adviesbureau op het gebied van public relations en communicatie;
- Het verlenen van adviezen en bijstand aan het bedrijfsleven en de overheid op het gebied van planning,organisatie,efficiëntie en toezicht alsook het verschaffen van informatie aan de bedrijfsleiding;
- Het aanvragen,verwerven,verhandelen en exploiteren van licenties,octrooien,merken en dergelijke;
- De import,export en handel van alle computer hardware en software en het leveren van diensten op gebied van procesautomatisering en informatica;
- Handelsbemiddeling in goederen,algemeen assortiment;
- De dienstverlening in verband met alle managementactiviteiten zoals het tussenkomen in het dagelijks bestuur,de vertegenwoordiging van bedrijven op grond van het bezit van of de controle;
- Het mandaat van bestuurder,zaakvoerder of vereffenaar van andere vennootschappen uitoefenen;
- Het verwerven door inschrijving of aankoop en het beheren van aandelen,obligaties,kasbons of andere roerende waarden van welke vorm ook,van Belgische of buitenlandse bestaande of nog op te richten vennootschappen;
- De vennootschap kan zowel tot waarborg van eigen verbintenissen als tot waarborg van verbintenissen van derden borg stellen,onder meer door haar goederen in hypotheek of in pand te geven,inclusief de eigen handelszaak;
- Het verwerven van participaties in eender welk vorm in alle bestaande of op te richten rechtspersonen en vennootschappen;
- Het beheren van beleggingen en participaties in dochter vennootschappen,het waarnemen van bestuurdersfuncties,het verlenen van advies,management,bijstand en andere diensten aan alle verbonden ondernemingen of aan ondernemingen waarin de vennootschap zelf een participatie bezit,of in overeenstemming met de activiteiten die de vennootschap zelf voert;
- Het toestaan van leningen en kredietopeningen aan vennootschappen of particulieren onder om het even welke vorm.In dit kader kan zij ook borg stellen of aval verlenen,in de meest ruime zin,alle handels-financiële operaties verrichten,behalve die welke wettelijk voorbehouden zijn aan de depositobanken,houders van deposito’s op korte termijn,spaarkassen,hypotheekmaatschappijen en kapitalisatieondernemingen;
- Investeren in activa met het oog op het bezoldigen in natura van de bestuurder(s) en/of personeelsleden;
- Haar bedrijfsleiders en/of werknemers gratis woonst verlenen,dit ter compensatie van de door hen uitgevoerde verrichtingen ten voordele van de vennootschap.
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Vrijheid 34C registered office 2320 Hoogstraten | 30-12-2024 | 2.369.935.375 |
Buildings and parcels at the address
- Ground area
- 25 m²
- Buildings
- 439 m²
- Volume, LiDAR
- 3,160 m³
- Tallest building
- 10.8 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 13014E0010/00F003 | 25 m² | 1 · 439 m² | 10.8 m · 2 |