STUDIMMO
ActiveSummary
STUDIMMO has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €4.4m and a net result of €100,088. The computed 12-month bankruptcy probability is 0.9% (low).
Overview
- Staff
- 0.2 FTE
- Equity
- €4.4m
- Profit
- €100,088
Why 68raises riskLatest accounts 62 days late; 2 of the last 3 lateFounded in 2024lowers riskSize: 0.2 FTE, total assets €6.0mEquity €4.4m (73.1% of total assets)Show the evidence
Checked score
About 9 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
How it is calculated
The band follows from the bankruptcy probability, on a scale where 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 (no NACE code, micro): better than 61% on solvency, 49% on liquidity, 50% on profitability and 55% on growth.
The bankruptcy probability was computed on 21-10-2026 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.
Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
Credit check for your own amount and term
Show the recommended maximum and see how the verdict changes with amount, term and advance.
Signals
This company filed its last 2 accounts on average 70 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.
Searched, nothing found (2)
- Annual accounts filedfinancial year 2025 · abbreviated…
- Annual accounts filedfinancial year 2024 · abbreviated…
- IncorporationAppointment: VANDERHEYDEN Marleen Elisabeth Achille…
Financials · financial year 2025, abbreviated format
2025 annual accounts filed late (62 days) Filed on 1 October 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00539743.
2024 to 2025, 2 financial years
The operating result falls in 2025; 2025 is 17% below 2024.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
Average staff in full-time equivalents (FTE).
Use the arrow keys on the chart for the figures per year.
Peer companies
Historical observationOf the 2,546 companies that looked in July 2024 the way this one looks now, 2.3% went bankrupt within 24 months and 94.3% are still going.
- Micro
- 2 to 5 years old
- solvency 30% or more
- a profit under 5% of the balance sheet
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.9% 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 497,473 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 1.0% |
| 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% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74.5% 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 2,546 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.
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Remuneration, social security and pensions62 | €4,639 | €9,130 | ▲ 96.8% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €261,902 | €264,340 | ▲ 0.9% |
| Other operating charges640/8 | €27,629 | €25,567 | ▼ 7.5% |
| Gross operating margin9900 | €460,792 | €437,738 | ▼ 5.0% |
| Operating profit (loss)9901 | €166,622 | €138,701 | ▼ 16.8% |
| Financial income75/76B | €4 | €24 | ▲ 453% |
| Recurring financial income75 | €4 | €24 | ▲ 453% |
| Financial charges65/66B | €48,515 | €38,637 | ▼ 20.4% |
| Recurring financial charges65 | €48,515 | €38,637 | ▼ 20.4% |
| Profit (loss) for the period before taxes9903 | €118,111 | €100,088 | ▼ 15.3% |
| Income taxes67/77 | €1 | - | - |
| Profit (loss) for the period9904 | €118,110 | €100,088 | ▼ 15.3% |
| Profit (loss) for the period to be appropriated9905 | €118,110 | €100,088 | ▼ 15.3% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €6.2m | €6.0m | ▼ 2.2% |
| Fixed assets21/28 | €6.0m | €5.7m | ▼ 4.2% |
| Tangible fixed assets22/27 | €6.0m | €5.7m | ▼ 4.2% |
| Land and buildings22 | €6.0m | €5.7m | ▼ 4.4% |
| Furniture and vehicles24 | - | €0.01m | - |
| Current assets29/58 | €0.2m | €0.3m | ▲ 67.4% |
| Amounts receivable within one year40/41 | €0.06m | €0.05m | ▼ 21.9% |
| Trade receivables40 | €0.01m | - | - |
| Other amounts receivable41 | €0.05m | €0.05m | ▼ 1.6% |
| Cash at bank and in hand54/58 | €0.1m | €0.2m | ▲ 118% |
| Deferred charges and accrued income490/1 | €0.002m | €334 | ▼ 85.1% |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €6.2m | €6.0m | ▼ 2.2% |
| Equity10/15 | €4.3m | €4.4m | ▲ 2.3% |
| Contributions10/11 | €4.2m | €4.2m | = |
| Reserves13 | €0.006m | €0.006m | = |
| Distributable reserves133 | €0.006m | €0.006m | = |
| Profit (loss) carried forward14 | €0.08m | €0.2m | ▲ 126% |
| Amounts payable17/49 | €1.9m | €1.6m | ▼ 12.7% |
| Amounts payable after more than one year17 | €1.1m | €0.9m | ▼ 19.3% |
| Financial debts170/4 | €1.1m | €0.9m | ▼ 19.8% |
| Other amounts payable178/9 | €0.03m | €0.03m | ▼ 4.1% |
| Amounts payable within one year42/48 | €0.7m | €0.7m | ▼ 4.3% |
| Current portion of amounts payable after more than one year42 | €0.2m | €0.2m | ▲ 2.7% |
| Trade debts44 | €0.005m | €0.001m | ▼ 82.5% |
| Suppliers440/4 | €0.005m | €0.001m | ▼ 82.5% |
| Taxes, remuneration and social security45 | €0.007m | €0.001m | ▼ 91.7% |
| Taxes450/3 | €0.006m | - | - |
| Remuneration and social security454/9 | €0.002m | €0.001m | ▼ 61.0% |
| Other amounts payable47/48 | €0.5m | €0.5m | ▼ 5.1% |
| Accrued charges and deferred income492/3 | €0.005m | €0.02m | ▲ 231% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €118,110 | €100,088 | ▼ 15.3% |
| + Depreciation and write-downs630 | €261,902 | €264,340 | ▲ 0.9% |
| Operating cash flow (approximation) | €380,012 | €364,428 | ▼ 4.1% |
| Investment in fixed assets (approximation) | - | -€14,139 | - |
| Change in cash | - | €130,332 | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Filings with the National Bank (2)
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | abbreviated format | 01-10-2026 | 2026-00539743 |
| 31-12-2024 | abbreviated format | 17-10-2025 | 2025-00544399 |
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Mandate history
- Board
| Name | Functions and periods |
|---|---|
| VANDERHEYDEN Marleen Elisabeth Achille Victoire |
|
Owners and capital
Capital and shareholders
- AVIJELO 2,156 shares
The Belgian Official Gazette names shareholders only when an act mentions them; the share register itself is not published.
- 05-08-2024 Incorporation · €4,460,693.39 · 2,156 shares
Group and network
Connections & network
1 current directorThe network starts from this company’s directors. Other companies they run appear here as nodes.
History
On 24 July 2024, STUDIMMO was incorporated as a private limited company by AVIJELO, with a starting capital of €4.5m.12 VANDERHEYDEN Marleen Elisabeth Achille Victoire has served as director of the company since 2024.2 The company has filed 2 sets of annual accounts, the latest for financial year 2025.3
Acts, filings and financial milestones
05-08
Gazette deed
IncorporationAppointment: VANDERHEYDEN Marleen Elisabeth Achille Victoire (director) · Demerger · Accounting effect32 facts ▸
- Demerger, “splitsing door oprichting van twee nieuwe vennootschappen, ontbinding zonder vereffening” (deed in Dutch) (2 times)
- Accounting effect, 01-01-2024
- Founding capital, €4,460,693.39
- Auditor report, “Bedrijfsrevisor”, EUR (deed in Dutch)
- Declaration, “documenten artikel 12:80 WVV, aandeelhouders van AVIJELO” (deed in Dutch)
- General meeting, 19-07-2024
- Declaration, “kennis splitsingsvoorstel en andere in wet bedoelde documenten, uiterlijk een maand voor vergaderingsdatum” (deed in Dutch)
- Other provision, “Bedrijfsrevisor, vertegenwoordiging bedrijfsrevisor” (deed in Dutch)
- Other provision, 19-07-2024
- Capital contribution
- Real estate, “Leuven, handelsgedeelte kelderverdieping,gelijkvloers en eerste verdieping” (deed in Dutch)
- Real estate, “handelsgedeelte gelijkvloers tussenverdieping kelderverdieping, woongedeelte met studentenkamers tussenverdieping eerste tweede derde vierde verdieping” (deed in Dutch)
- +20 further facts in this act
Register details
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 22 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.
Sites & property
1 establishment unit
1 parcel
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 24053B0303/00R000 | Flanders | 2,702 m² | 1 · 214 m² | 14.3 m · 4 |
How the parcels are linked
Articles of association
What the company does
- DurationHow long the company exists; usually unlimited, so until it is dissolved.
- Unlimited
- Name clauseThe name the company operates under according to its articles.
- One provision in the deed
- Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
- “Vlaams Gewest, Artikel 2. Zetel” (deed in Dutch)
Capital, shares and profit
- Transfer restrictionWhether shareholders may sell their shares freely or need approval first.
- One provision in the deed
- Share issue ruleHow and by whom new shares can be issued.
- “Nieuwe aandelen waarop in geld wordt ingeschreven, Artikel 7. Inbreng in geld met uitgifte van nieuwe aandelen - recht van voorkeur” (deed in Dutch)
Meetings and financial year
- Annual meetingWhen the shareholders meet each year, among other things to approve the annual accounts.
- Last Friday of May at 18:00
Oversight and winding up
- Dissolution ruleWhen and by whom the company can be dissolved.
- “Vormen vereist voor statutenwijziging, algemene vergadering” (deed in Dutch)1 more provision on this in the deed
- Liquidation ruleHow assets are shared after dissolution: creditors first, then shareholders.
- One provision in the deed