Studio Art-M

Active

Private limited companyfounded 20242 yrs activeStationsstraat 90 A, 3910 Pelt, BelgiumKBO/BCE: BE 1005.997.985

The computed 12-month bankruptcy probability of Studio Art-M is 2.8% (moderate). The 2025 annual accounts show negative equity (€-9k) and a net result of €-15k. Its solvency ranks better than 17% of 4554 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

7 / 100

Critical▼ -36 vs 2024

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability100▲+18

Solvency33▲+22

Growth32

Stability82

Bankruptcy probability, 12 months

2.8% Moderate

0%0.5%1.5%4%10%≥ 25%

No credit on open account

Liquidity short (current ratio 0.26 against 0.43 in 2024), and equity is negative.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Six signals. The signal on the left, the evidence on the right.

+raises risk○neutral

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

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

-54%

Return on assets

-89.2%

Age of the figures

8 mo

Negative equity

Equity is negative for financial year 2025: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).

NBB · annual accounts 2025

Equity per financial year

2425

2024 to 2025 · latest year -€9k

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 01-06-2026, 60 days ahead of the deadline.

NBB · 2 filings

Deviation from the deadline

2025

60 d early

2024

32 d early

← before the deadline after the deadline →

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 months

Position in the running window

14-09-2026 today31-12-2026 close31-07-2027 deadline

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

Financials · fiscal year 2025, micro schema

Equity

€-9k

2024 · €6k

2024: €6k

2024 → 2025

Total assets

€17k▼ 52.7%

2024 · €36k

2024: €36k

2024 → 2025

Net result

€-15k

2024 · €986

2024: €986

2024 → 2025

Working capital

€-19k▼ 13.0%

2024 · €-17k

2024: €-17k

2024 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20242025Trend

Equity€6k-€-9k

Operating result€1k-€-13k

Net result€986-€-15k

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

Result per fiscal year

Operating resultNet result

The operating result turns negative in 2025: a loss of €13k after €1k in 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €17k

60.2%

39.8%

Fixed assets €10k▼ 55.8%

Current assets €7k▼ 47.1%

Key figures and ratios

2025 value · change against 2024

EBITDA

€-9k▼

2024 · €5k

Cash flow

€-11k▼

2024 · €5k

Solvency

-54.0%▼

2024 · 16.6%

Current ratio

0.26▼

2024 · 0.43

Quick ratio

0.09▼

2024 · 0.31

Debt / equity

-2.85▼

2024 · 5.01

ROE

165.1%▲

2024 · 16.5%

ROA

-89.2%▼

2024 · 2.7%

Interest coverage

-6.55▼

2024 · 164.79

Debt

€26k▼

2024 · €30k

Debt ≤ 1 year

€26k▼

2024 · €30k

Income taxes

€264

Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.

Filed annual accounts

As filed with the NBB · 2025 against 2024

Balance sheet Code20242025

Assets

Total assets20/58€36k€17k▼

Fixed assets21/28€23k€10k▼

Tangible fixed assets22/27€23k€10k▼

Land and buildings22€5k€4k▼

Plant, machinery and equipment23€4k€6k▲

Furniture and vehicles24€14k€924▼

Current assets29/58€13k€7k▼

Stocks and contracts in progress3€4k€4k▲

Stocks30/36€4k€4k▲

Amounts receivable within one year40/41€8k-

Trade receivables40€6k-

Other amounts receivable41€2k-

Cash at bank and in hand54/58€2k€2k▲

Equity and liabilities

Total equity and liabilities10/49€36k€17k▼

Equity10/15€6k€-9k▼

Contributions10/11€5k€5k=

Profit (loss) carried forward14€986€-14k▼

Amounts payable17/49€30k€26k▼

Amounts payable within one year42/48€30k€26k▼

Trade debts44€11k€11k▼

Suppliers440/4€11k€11k▼

Advances received on contracts in progress46€2k€300▼

Taxes, remuneration and social security45-€1k

Taxes450/3-€1k

Other amounts payable47/48€17k€13k▼

Income statement Code20242025

Non-recurring operating income76A-€4k

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€4k▼

Other operating charges640/8€993€2k▲

Gross operating margin9900€6k€-8k▼

Operating profit (loss)9901€1k€-13k▼

Financial charges65/66B€33€1k▲

Recurring financial charges65€33€1k▲

Profit (loss) for the period before taxes9903€986€-15k▼

Income taxes67/77-€264

Profit (loss) for the period9904€986€-15k▼

Profit (loss) for the period to be appropriated9905€986€-15k▼

Appropriation of the result

Profit (loss) to be appropriated9906€986€-14k▼

Profit (loss) brought forward from the previous period14P-€986

The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 2Filings 2

Next filing, fiscal year 2026, expected by 31-07-2027

2026

01-06

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

29-06

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

NBB filing

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, Pelt · 1 establishment unit since 2024

establishment The establishment unit on the map

Cannot be placed on the map

This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.

Stationsstraat 90 A3910 Pelt

Ground area

229 m²

Building footprint

131 m²

Volume, LiDAR

736 m³

Parcel 72362C0663/00W003, Flanders · tallest building 9.9 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

Studio Art-M

Stationsstraat 90 A, 3910 PeltBeauty treatment

since 20242.355.690.431

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
72362C0663/00W003	Flanders	229 m²	1 · 131 m²	9.9 m · 2 fl.

Linked by address, not proof of ownership

Methodology

via registered seat: 1

1 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

AD AFSLANKCENTRUM

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Of 24,817 companies in sector 96220 we hold annual accounts for 1,426. 944 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded14-02-2024

Fiscal year end31-12

Activities, NACEBEL

96022Beauty treatment

96220Beauty care and other beauty treatments

46450Wholesale of perfume and cosmetics

47120Other non-specialised retail sale

47910Retail trade

Sources

Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers

Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.