STUDIÔ
ActiveSummary
STUDIÔ has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €56,922 and a net result of €46,538. Equity is growing by ~55.8% per year across the filed fiscal years. Its solvency ranks better than 83% of 9537 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Track record94
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5,000 at 30 days acceptable
Liquidity ample (current ratio 5.38 against 7.05 in 2024; short-term debt: 15.7% and cash: 70.9% of total assets), and 15.7% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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 →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
84.3%
Return on assets
68.9%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 04-08-2026, 4 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 · 4 filingsDeviation from the deadline
2025
4 d late
2024
on the day
2023
2 d late
2022
4 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 4 accounts on average 3 days after the deadline; the sector median for financial year 2024 is 8 days before the deadline, and 33% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you trust this company with building work?Contractor check Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark
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Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Equity
€56,922▲ 2.8%
2024 · €55,384
Total assets
€67,558▲ 7.4%
2024 · €62,907
Net result
€46,538▲ 33.0%
2024 · €35,002
Working capital
€46,563▲ 2.4%
2024 · €45,485
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 71, Architectural and engineering activities; technical testing and analysis, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line2022202320242025
Operating result€11,452-€14,275▲ 24.6%€51,353▲ 260%€62,866▲ 22.4%
Net result€8,246within the sector's middle half-€9,435within the sector's middle half▲ 14.4%€35,002within the sector's middle half▲ 271%€46,538above the sector's middle half▲ 33.0%
Equity€15,746below the sector's middle half-€22,781within the sector's middle half▲ 44.7%€55,384within the sector's middle half▲ 143%€56,922within the sector's middle half▲ 2.8%
Total assets€19,465below the sector's middle half-€39,170below the sector's middle half▲ 101%€62,907below the sector's middle half▲ 60.6%€67,558within the sector's middle half▲ 7.4%
Debt€3,719-€16,389▲ 341%€7,523▼ 54.1%€10,636▲ 41.4%
Working capital€7,283-€10,534▲ 44.6%€45,485▲ 332%€46,563▲ 2.4%
Solvency80.9%above the sector's middle half-58.2%within the sector's middle half▼ 22.7pp88.0%above the sector's middle half▲ 29.9pp84.3%above the sector's middle half▼ 3.8pp
above
within
below
the middle half (P25 to P75) of NACE 71, Architectural and engineering activities; technical testing and analysis, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen three years in a row; 2025 is 22% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €67,558
Fixed assets
€10,359 ▲ 4.7%
Current assets
€57,199 ▲ 7.9%
Equity and liabilities €67,558
Equity
€56,922 ▲ 2.8%
Debt
€10,636 ▲ 41.4%
Debt's share of the balance-sheet total rises from 12.0% to 15.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€65,906▲
2024 · €53,702
Cash flow
€49,578▲
2024 · €37,352
Current ratio
5.38▼
2024 · 7.05
Debt to equity
0.19▲
2024 · 0.14
ROE
81.8%▲
2024 · 63.2%
ROA
68.9%▲
2024 · 55.6%
Interest coverage
642.99▲
2024 · 510.43
Debt ≤ 1 year
€10,636▲
2024 · €7,523
Income taxes
€16,225▼
2024 · €16,245
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 39,275 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 96% are still going.
- Micro
- 2 to 5 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
1.6%
went bankrupt
2.2%
stopped otherwise
96%
still going
A further 0.4% stopped, but we cannot tell whether within those 24 months.
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%.
| 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 39,275 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
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €556 | €2,293 | €2,349 | €3,040 | ▲ 29.4% |
| Other operating charges640/8 | - | - | - | €0 | - |
| Gross operating margin9900 | €12,008 | €16,568 | €53,702 | €65,906 | ▲ 22.7% |
| Operating profit (loss)9901 | €11,452 | €14,275 | €51,353 | €62,866 | ▲ 22.4% |
| Financial income75/76B | - | €0 | - | €0 | - |
| Recurring financial income75 | - | €0 | - | €0 | - |
| Financial charges65/66B | €6 | €59 | €105 | €103 | ▼ 2.6% |
| Recurring financial charges65 | €6 | €59 | €105 | €103 | ▼ 2.6% |
| Profit (loss) for the period before taxes9903 | €11,446 | €14,215 | €51,247 | €62,764 | ▲ 22.5% |
| Income taxes67/77 | €3,200 | €4,780 | €16,245 | €16,225 | ▼ 0.1% |
| Profit (loss) for the period9904 | €8,246 | €9,435 | €35,002 | €46,538 | ▲ 33.0% |
| Profit (loss) for the period to be appropriated9905 | €8,246 | €9,435 | €35,002 | €46,538 | ▲ 33.0% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €19,465 | €39,170 | €62,907 | €67,558 | ▲ 7.4% |
| Fixed assets21/28 | €8,463 | €12,248 | €9,898 | €10,359 | ▲ 4.7% |
| Tangible fixed assets22/27 | €8,463 | €8,898 | €6,548 | €7,009 | ▲ 7.0% |
| Furniture and vehicles24 | €8,463 | €8,898 | €6,548 | €7,009 | ▲ 7.0% |
| Financial fixed assets28 | - | €3,350 | €3,350 | €3,350 | = |
| Current assets29/58 | €11,002 | €26,923 | €53,008 | €57,199 | ▲ 7.9% |
| Amounts receivable within one year40/41 | €1,562 | €190 | €6,047 | €9,121 | ▲ 50.8% |
| Trade receivables40 | - | - | €5,547 | €9,121 | ▲ 64.4% |
| Other amounts receivable41 | €1,562 | €190 | €500 | - | - |
| Cash at bank and in hand54/58 | €9,440 | €26,732 | €46,544 | €47,895 | ▲ 2.9% |
| Deferred charges and accrued income490/1 | - | - | €417 | €183 | ▼ 56.0% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €19,465 | €39,170 | €62,907 | €67,558 | ▲ 7.4% |
| Equity10/15 | €15,746 | €22,781 | €55,384 | €56,922 | ▲ 2.8% |
| Contributions10/11 | €7,500 | €7,500 | €7,500 | €7,500 | = |
| Reserves13 | €8,000 | €15,000 | €46,000 | €46,000 | = |
| Distributable reserves133 | €8,000 | €15,000 | €46,000 | €46,000 | = |
| Profit (loss) carried forward14 | €246 | €281 | €1,884 | €3,422 | ▲ 81.7% |
| Amounts payable17/49 | €3,719 | €16,389 | €7,523 | €10,636 | ▲ 41.4% |
| Amounts payable within one year42/48 | €3,719 | €16,389 | €7,523 | €10,636 | ▲ 41.4% |
| Trade debts44 | €519 | €2,392 | €261 | €481 | ▲ 84.3% |
| Suppliers440/4 | €519 | €2,392 | €261 | €481 | ▲ 84.3% |
| Taxes, remuneration and social security45 | €3,200 | €11,557 | €4,813 | €10,106 | ▲ 110% |
| Taxes450/3 | €3,200 | €11,557 | €4,813 | €10,106 | ▲ 110% |
| Other amounts payable47/48 | - | €2,440 | €2,449 | €49 | ▼ 98.0% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €8,246 | €9,435 | €35,002 | €46,538 | ▲ 33.0% |
| + Depreciation and write-downs630 | €556 | €2,293 | €2,349 | €3,040 | ▲ 29.4% |
| Operating cash flow (approximation) | €8,802 | €11,728 | €37,352 | €49,578 | ▲ 32.7% |
| Investment in fixed assets (approximation) | - | -€6,077 | €0 | -€3,500 | - |
| Change in cash | - | €17,293 | €19,812 | €1,351 | ▼ 93.2% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
04-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 4 days late
2025
31-12
Financial
Highest result since 2022net €46,538 ▲33%
Operating result €62,866, net result €46,538, both a record.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity quadruplescurrent ratio 7.05
Current ratio from 1.64 to 7.05; short-term debt falls from €16,389 to €7,523.
02-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 2 days late
2023
04-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 4 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Virton · 1 establishment unit since 2022
Ground area
203 m²
Building footprint
146 m²
Volume, LiDAR
613 m³
2 parcels, Wallonia · tallest building 11.7 m, ±3 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
STUDIÔ
since 20222.338.556.568
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 85011A0693/00C000 | Wallonia | 174 m² | 1 · 84 m² | - |
| 85045B0276/00_000 | Wallonia | 29 m² | 1 · 62 m² | 11.7 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels 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
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Of 18,250 companies in sector 71111 we hold annual accounts for 6,321. 5,404 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
Founded22-07-2022
Fiscal year end31-12
Activities, NACEBEL 2025
71111Activities of building architects
E-invoicing
Reachable via Peppol
Peppol ID
0208:0788821915
Also
9925:BE0788821915
Registered
10-12-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.