Result
€102,121 ▲ 31×
The result rose in 2025 from €3,320 to €102,121.
STUDENT ESTATE
Lifetime
20 annual accounts with figures on one time axis, 29 filings since 1997peak €828,045 (2025)
€828,045▲ 4.2%
lowest -€360,407 (2023)
€102,121▲ 31×
peak €992,824 (2025)
€992,824▲ 11.5%
€8.8m▼ 5.0%
peak 0.6 FTE (2024)
-not published
Board3 names since 2010
1 directorPluym Johnny
Documentsfilings and deeds
12-10-202673 days late
2025abbreviated format
Result from €3,320 to €102,121Demerger proposal: STUDENT ESTATE splits off to PLUYM PRIVATE… 26-11Registered office moved from Kapellen to Antwerp 28-05Cash from €136,646 to €46,353
Key points
from the 2025 annual accountsTurnover
≈ €930,000 estimated
The abbreviated format states no turnover.
Debts
€8.8m 89% of the balance sheet
Financial debts 68%Suppliers 3%Taxes and wages 0%Other 28%
Of this, €2.8m falls due within a year.
Filings
29 annual accounts 73 days
Latest accounts filed late: after the legal deadline.
At the same address
5 companies
Position in the sector
€828,045
Higher gross margin than 90% of companies in real estate. Sector median €90,540 · 11,260 companies.
Checked score
68
Healthy
Financially stronger than 46% of small companies in real estate (NACE 68)
Probability in this band: 0.55% to 1.5%
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 6,998 companies (NACE 68, small).
About 8 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.3%
01-2025: 0.3%● unchanged vs 12-2024
02-2025: 0.3%● unchanged vs 01-2025
03-2025: 0.3%● unchanged vs 02-2025lowest value
04-2025: 0.3%● unchanged vs 03-2025
05-2025: 0.3%● unchanged vs 04-2025
06-2025: 0.9%▲ +0.6 percentage points vs 05-2025
07-2025: 1.0%▲ +0.1 percentage points vs 06-2025
08-2025: 1.4%▲ +0.4 percentage points vs 07-2025
09-2025: 0.5%▼ -0.9 percentage points vs 08-2025
10-2025: 0.5%● unchanged vs 09-2025
11-2025: 0.5%● unchanged vs 10-2025
12-2025: 0.5%● unchanged vs 11-2025
01-2026: 0.5%● unchanged vs 12-2025
02-2026: 0.5%● unchanged vs 01-2026
03-2026: 0.6%▲ +0.1 percentage points vs 02-2026
04-2026: 0.6%● unchanged vs 03-2026
05-2026: 0.7%▲ +0.1 percentage points vs 04-2026
06-2026: 0.7%● unchanged vs 05-2026
07-2026: 0.8%▲ +0.1 percentage points vs 06-2026
08-2026: 1.2%▲ +0.4 percentage points vs 07-2026
09-2026: 1.7%▲ +0.5 percentage points vs 08-2026highest value
10-2026: 0.8%▼ -0.9 percentage points vs 09-2026
11-2026: 0.8%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Liquidity: current ratio 0.04, cash €46,353, halved
1 change of registered office in 24 months
Last filed accounts filed 73 days late; 1 of the last 3 accounts late
lowers risk
Size: total assets €9.9m
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 68, small). It does better than 29% of them on solvency, 33% on liquidity, 50% on profitability and 74% on growth.
The bankruptcy probability was computed on 06-11-2026 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, 3,984 companies had the same profile as STUDENT ESTATE has now. Each dot stands for 10 companies, two years later.
96.5%
were still trading
2.3%
stopped another way
1.1%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of STUDENT ESTATE itself: 0.8% within 12 months.
Test of the method
The method was tested on the 497,447 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 3,984 companies, not a prediction for STUDENT ESTATE. 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
Credit of up to €65,000 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.04 (0.08 in 2024), below 1. Short-term debt is 28.1% and cash 0.5% of total assets. 89.9% of the assets are financed with debt and provisions.
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
Six signals.
lowers riskraises risk
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
1819202122232425
2018 to 2025 · latest year €992,824
raises risk · 2025 accounts filed 73 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 12-10-2026, 73 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 · 10 filingsDeviation from the deadline
2025
73 days late
2024
19 days late
2023
7 days early
2022
12 days early
2021
2 days early
2020
1 day early
2019
3 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 10 days after the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% 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. The company usually files around 29 July (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
07-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
PJ
Pluym Johnny
Director, since 26-07-2010
- Johnny Pluym all the sharesdeed of 26-11-2025
Shares in 1 company, STONE3INVEST
Board & ownershipRecent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0459114757
Environmental permit granted
Verbouwen en/of uitbreiden met functiewijziging en met wijziging van aantal woongelegenheden · Provincie Antwerpen
Environmental permit granted
Verbouwen en/of uitbreiden zonder functiewijziging en met wijzigen van aantal woongelegenheden · Provincie Antwerpen
Demerger proposal: STUDENT ESTATE splits off to PLUYM PRIVATE ESTATE
Appointment: Jonny Pluym (sole director) · Johnny Pluym holds all the shares · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| STUDENT ESTATE Antwerp | €9.9m | €828,045 | 10.1% | - |
| PONTRAVE Waasmunster | €9.7m | €909,553 | 24.4% | 0 |
| I.B.I.S. Sint-Martens-Latem | €10.4m | €771,908 | 48.9% | 0.9 |
| SAPSAN ENTREPRISE Wavre | €9.8m | €742,933 | 7.9% | - |
| Foundry Brussels | €10.4m | €775,230 | 91.2% | - |
| TF IMMO Vilvoorde | €10.1m | €745,237 | 34.9% | - |
| INVESTPA Knokke-Heist | €11.2m | €735,688 | 34.7% | 0.3 |
These companies have the same main activity as STUDENT ESTATE: renting and operating of own or leased residential real estate, excluding social housing (NACE 68201). They are comparable in size and age: total assets between €9.7m and €11m, founded between 1994 and 1998.
Official details
Source: KBO- Status
- Active since 29-10-1996Normal situation
- Activity
- Renting and operating of own or leased residential real estate, excluding social housingNACE 68201and 1 other
- Establishment unit
- 2.103.059.4732000 Antwerp, since 22-05-2001
- Financial year end
- 31 December
- Peppol
- Reachable since 21-10-2026
Insights on STUDENT ESTATE
STUDENT ESTATE files the abbreviated format. That format states no turnover. The gross margin rose from €71,162 in 2006 to €828,045 in 2025.
The balance sheet grew most in 2023 through fixed assets, financed with long-term debt.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about STUDENT ESTATE
- What is the company number of STUDENT ESTATE?
- The company number of STUDENT ESTATE is 0459.114.757. The VAT number is the same number with BE in front: BE 0459.114.757.
- Where is STUDENT ESTATE based?
- The registered office is at Borzestraat 10, 2000 Antwerp.Company details
- What does STUDENT ESTATE do?
- According to the KBO register, the main activity is renting and operating of own or leased residential real estate, excluding social housing (NACE 68201).
- What is the legal form of STUDENT ESTATE?
- STUDENT ESTATE is a private limited company (BV).
- When was STUDENT ESTATE founded?
- STUDENT ESTATE was founded on 29-10-1996.
- Is STUDENT ESTATE still active?
- Yes, STUDENT ESTATE is an active enterprise in the KBO register.
- How many employees does STUDENT ESTATE have?
- STUDENT ESTATE had an average of 1 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- What is the turnover of STUDENT ESTATE?
- The turnover in financial year 2025 is ≈ €930,000. This figure is estimated from the gross margin of €828,045 and 38 comparable companies (NACE 68201). It probably lies between €830,000 and €1.0m.
- Is STUDENT ESTATE profitable?
- In financial year 2025, STUDENT ESTATE made a profit of €102,121.
- Where can I find the annual accounts of STUDENT ESTATE?
- STUDENT ESTATE filed 29 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of STUDENT ESTATE due?
- STUDENT ESTATE must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check Compare this company with its sector.Sector benchmark See what changed in the latest annual accounts.What changed
See how customers, suppliers and banks see your own company and what to improve first.