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Studio Bert

Active Private limited companyfounded 2018active for 8 yearsHolsbeeksesteenweg 204, 3010 LeuvenKBO/BCE: BE 0693.807.940
Studio Bert
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Overview

Lifetime

7 annual accounts with figures on one time axis
peak €21,643 (2025)
€21,643▲ 95.3%
lowest -€192 (2019)
€13,431▲ 145%
peak €32,303 (2025)
€32,303▲ 71.2%
€8,744▼ 43.6%
Board1 name since 2018
1 directorPEETERS Bert
Documentsfilings and deeds
24-08-202624 days late
2025micro format
Gross margin from €11,081 to €21,643Result from €5,480 to €13,431Equity from €18,872 to €32,303Debts from €15,503 to €8,744Cash from €11,079 to €17,811

Key points

from the 2025 annual accounts

Equity

€32,303 ▲ 71.2%

Studio Bert has made a profit without a break since 2020.

Turnover

≈ €140,000 estimated

The micro format states no turnover.

Liquidity

3.72 was 1.50 in 2024

Short-term debts fell from €15,503 to €8,744.

2025 accounts filed 24 days after the deadline

Checked score

98
Excellent
Financially stronger than 87% of micro companies in architecture and engineering (NACE 71)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%

The dashed line is the sector median: 0.1% across 14,828 companies (NACE 71, micro).

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Last 24 months 12-2024: 0.1% 01-2025: 0.1%● unchanged vs 12-2024 02-2025: 0.1%● unchanged vs 01-2025 03-2025: 0.1%● unchanged vs 02-2025 04-2025: 0.1%● unchanged vs 03-2025 05-2025: 0.1%● unchanged vs 04-2025 06-2025: 0.1%● unchanged vs 05-2025 07-2025: 0.1%● unchanged vs 06-2025 08-2025: 0.1%● unchanged vs 07-2025 09-2025: 0.1%● unchanged vs 08-2025 10-2025: 0.1%● unchanged vs 09-2025 11-2025: 0.1%● unchanged vs 10-2025 12-2025: 0.1%● unchanged vs 11-2025 01-2026: 0.1%● unchanged vs 12-2025 02-2026: 0.1%● unchanged vs 01-2026 03-2026: 0.1%● unchanged vs 02-2026 04-2026: 0.1%● unchanged vs 03-2026 05-2026: 0.1%● unchanged vs 04-2026 06-2026: 0.1%● unchanged vs 05-2026 07-2026: 0.1%● unchanged vs 06-2026 08-2026: 0.2%▲ +0.1 percentage points vs 07-2026highest value 09-2026: < 0.1%▼ -0.2 percentage points vs 08-2026lowest value 10-2026: < 0.1%● unchanged vs 09-2026lowest value 11-2026: < 0.1%● unchanged vs 10-2026lowest value

Financial strength
Strong

100+20equity 78.7% of total assets
93+25short-term debt 21.3% · cash 43.4%
100+11return on assets 32.7%

Score breakdown

lowers risk
Sector: Architectural and engineering activities; technical testing and analysis (NACE 71)
Liquidity: current ratio 3.72, cash €17,811
Equity €32,303 (78.7% of total assets)
Figures for financial year 2025 (filed on 24-08-2026)
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 71, micro). It does better than 87% of them on solvency, 86% on liquidity, 88% on profitability and 87% on growth.

The bankruptcy probability was computed on 08-11-2026 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 very low class on 30-06-2025, 0.1% 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, 26,972 companies had the same profile as Studio Bert has now. Each dot stands for 68 companies, two years later.

94.9%
were still trading
3.4%
stopped another way
1.6%
went bankrupt
  • Micro
  • 5 to 10 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more

Another 0.1% stopped without a precise date, possibly only after those two years.

The bankruptcy probability of Studio Bert itself is lower: < 0.1% within 12 months. It rests on far more data about Studio Bert than the profile alone.

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.

The companies in ten equal groups, from the lowest to the highest expected share
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 26,972 companies, not a prediction for Studio Bert. 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 €3,000 on 30-day terms is acceptable

Liquidity is ample, with a current ratio of 3.72 (1.5 in 2024), above the usual 1.5. Short-term debt is 21.3% and cash 43.4% of total assets. 21.3% 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

5 signals, none raises the risk
Five signals.
lowers riskneutral
lowers risk · Sector: Architectural and engineering activities; technical testing and analysis (NACE 71)
KBO
lowers risk · Liquidity: current ratio 3.72, cash €17,811
NBB · annual accounts
lowers risk · Equity €32,303 (78.7% of total assets)
NBB · annual accounts
lowers risk · Figures for financial year 2025 (filed on 24-08-2026)
NBB · annual accounts
neutral · A punctual record breaks
This company filed 6 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-08-2026, 24 days late. Weigh it accordingly: of the companies that move to filing 1 to 90 days late, 1.41% are now bankrupt, dissolved or in another special legal status, below the 1.66% of all filers. It is a change in behaviour, not evidence of elevated risk.
NBB · 7 filings
Deviation from the deadline
2025
24 days late
2024
17 days early
2023
49 days early
2022
27 days early
2021
47 days early
2020
39 days 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 23 days before the deadline. In the sector (NACE 71), the median for financial year 2024 was 8 days before the deadline, and 34% 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 4 July (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Board and ownership

PB
PEETERS Bert
Director
Board & ownership

Recent changes

Registered in the Peppol Directory Reachable for e-invoices through 0208:0693807940
Company renamed from BERT ARCHITECTUUR to STUDIO BERT Change of role: PEETERS Bert, from statutory manager to director · “Het verlenen van diensten die behoren tot de uitoefening van het beroep van architect,alsook aanverwante en…” (deed in Dutch) · Director discharge: PEETERS Bert (statutory director) · Gazette deed
Incorporation published on 04-04-2018 · Gazette deed
First establishment BERT ARCHITECTUUR, Holsbeeksesteenweg 204, Leuven
All 14 events

Comparable companies

same main activity, similar in size and age
Company
Studio Bert Leuven €41,047 €21,643 78.7% -
ARCHITECTENBUREAU VAN HERCK ELINE Sint-Katelijne-Waver €38,172 €24,342 88.0% -
BLCKS 77 Architects Roosdaal €55,946 €18,966 35.5% 0.2
BELY ARCHITECTURE Grimbergen €45,778 €31,636 28.8% -
BOLLY ARCHITECTE Seraing €46,357 €17,805 47.3% -
collectief mars architecten Antwerp €47,894 €17,595 30.4% -
JOVA Balen €48,405 €22,630 -26.0% -

These companies have the same main activity as Studio Bert: activities of building architects (NACE 71111). They are comparable in size and age: total assets between €38,200 and €55,900, founded between 2016 and 2019.

Official details

Source: KBO
Status
Active since 30-03-2018Normal situation
Activity
Activities of building architectsNACE 71111
Establishment unit
2.275.480.1413010 Leuven, since 30-03-2018
Financial year end
31 December
Peppol
Reachable since 27-03-2026
Company details

Annual accounts 2025

€21,643▲ 95.3%
€13,431▲ 145%
€32,303▲ 71.2%
€41,047▲ 19.4%
Filing
Filed on 24-08-2026
Financials

Insights on Studio Bert

Studio Bert files the micro format. That format states no turnover. The gross margin rose from €4,114 in 2019 to €21,643 in 2025.

Sources: KBO register, filings at the National Bank, Belgian Official Gazette.

Financials

Annual accounts 2025

micro format, filed on 24-08-2026, 24 days late
€21,643
▲ 95.3%
€17,190
▲ 144%
€13,431
▲ 145%
€23,740
▲ 209%
78.7%
▲ 23.8 percentage points
3.72
▲ 2.22

Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.

Turnover ≈ €140,000. Estimated: probably between €72,000 and €250,000.

Balance sheet

balance sheet total €41,047 on 31-12-2025
What the company ownsHow it is paid for

in euro

in euro

Position in the sector

Compare with sector

78.7%

Higher than 78% of 11,794 companies in 2025.

3.72

Higher than 72% of 11,521 companies in 2025.

32.7%

Higher than 81% of 11,605 companies in 2025.

Studio Bert Middle half of the sector 80% of the sector Micro accounts in architecture and engineering (NACE 71)

Net result: middle half · Equity: middle half · Balance sheet total: bottom quarter · Working capital: middle half

Filed annual accounts

as filed with the National Bank, click a year to choose it
Line Trend2025202420232022202120202019
Balance sheet: assets
20/58 41,04734,37525,48242,82742,13323,17215,220
21/28 8,56311,1918,9968,45010,5464,8053,881
22/27 8,56311,1918,9968,45010,5464,8053,881
22 2,5952,8153,0353,2563,4763,6963,213
23 36060421082271459143
24 5,6077,7715,7505,1126,800650526
29/58 32,48423,18416,48634,37731,58818,36711,339
3 222----
30/36 222----
40/41 13,76611,34510,39312,3574,4634,1874,150
40 10,9249,3564,4086,2324,4634,1584,095
41 2,8431,9895,9856,125-2955
54/58 17,81111,0795,17921,48826,53513,9016,878
490/1 905759913532590279310
Balance sheet: equity and liabilities
10/49 41,04734,37525,48242,82742,13323,17215,220
10/15 32,30318,87213,39128,66927,55114,7036,008
10/11 6,2006,2006,2006,2006,2006,2006,200
100 ------18,600
101 ------12,400
13 26,000------
133 26,000------
14 10312,6727,19122,46921,3518,503-192
17/49 8,74415,50312,09114,15814,5828,4699,212
42/48 8,74415,50312,09114,15814,5828,4699,212
44 1,6097,3782,1023,6741,3523,6446,592
440/4 1,6097,3782,1023,6741,3523,6446,592
45 3,0914,1306,5136,98011,0744,8262,621
450/3 4671,4653,3554,5606,4452,732534
454/9 2,6242,6643,1592,4204,6292,0942,087
47/48 4,0443,9963,4763,5042,156--
Income statement
9900 21,64311,0816,0024,12517,50111,6844,114
62 ---71-72-
630 4,0544,0342,9652,3841,7307862,648
640/8 400---58-1,049
9901 17,1907,0463,0381,67015,71210,826417
75/76B 85---60
75 85---60
65/66B 42506538653609
65 42506538653609
9903 17,1567,0012,9721,63215,70610,779-192
67/77 3,7251,5217505152,8582,084-
9904 13,4315,4802,2221,11812,8498,695-192
9905 13,4315,4802,2221,11812,8498,695-192
Appropriation of the result
9906 26,10312,67224,69122,46921,3518,503-192
14P 12,6727,19122,46921,3518,503--
691/2 26,000------
6920 26,000------
694/7 --17,500----
694 --17,500----
Document PDFPDFPDFPDFPDFPDFPDF

The notes to these accounts have 7 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 24-08-2026.

Download as CSV

Filings

each dot is a set of accounts, on the day it reached the National Bank

2025 annual accounts filed 24 days after the deadline. Filed on 24 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00417925.

Financial year Type Filed Reference Document
31-12-2025 micro format 24-08-2026 2026-00417925 PDF
31-12-2024 micro format 14-07-2025 2025-00265605 PDF
31-12-2023 micro format 12-06-2024 2024-00125113 PDF
31-12-2022 micro format 04-07-2023 2023-00197206 PDF
31-12-2021 micro format 14-06-2022 2022-20061421 PDF
31-12-2020 micro format 22-06-2021 2021-22500575 PDF
31-12-2019 micro format 28-07-2020 2020-34900599 PDF

Key figures and ratios

per financial year, computed from the annual accounts
Line Trend2025202420232022202120202019
21,24311,0816,0024,05417,44311,6133,065
17,4859,5155,1873,50214,5799,4812,456
1,4266,2293,5112887,4711,7106,529
6,7325,900-16,309-5,04712,6347,022-
23,7407,6814,39620,21917,0059,8982,127
78.7%54.9%52.6%66.9%65.4%63.4%39.5%
3.721.501.362.432.172.171.23
3.711.501.362.432.172.171.23
0.270.820.900.490.530.581.53
41.6%29.0%16.6%3.9%46.6%59.1%-3.2%
32.7%15.9%8.7%2.6%30.5%37.5%-1.3%
over 100over 10091.69over 100over 100--

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
Item20252024202320222021
Tangible fixed assets€1,426€6,229€3,511€288€7,471
€4,054€4,034€2,965€2,384€1,730

Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)

Insights on Studio Bert

The operating result for 2025 is 144% higher than in 2024 and the highest since 2019. It is the third rise in a row, after the fall in 2022.

Debt's share of the balance-sheet total falls from 45.1% to 21.3%. Equity is higher and debt is lower.

Board & ownership

Board

1 director, last change in 2023
PEETERS Bert
Director (not named in the articles)
appointed by deed of 27-06-2023 term without a fixed end
earlier statutory manager, until 27-06-2023
listed in the 2025 annual accounts, filed on 24-08-2026
Signing authorityThe articles say who may bind the company, for example by signing a contract.
“In afwachting van de regularisatie kan de vennootschap voorzien in een tijdelijke vervanging van de aandeelhouder-architect door een derde…”
deed of 27-06-2023

Office holders in the KBO →

Mandates through the years

1 name, the dashed line is today
PEETERS Bert
Director (not named in the articles)
BoardEarliermandate already running before its first mention
Mandates as a list
  • PEETERS Bert
    • Director (not named in the articles), from 27-03-2018 to date
    • Statutory manager, until 27-06-2023

See the board, name and registered office on a given date →

Control

See the annual accounts at the National Bank and the publications in the Belgian Official Gazette.

Capital

Contribution
€6,200
Source
2025 annual accounts

Articles of association

deed of 27-06-2023 (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.
At least 1 director
Dissolution ruleThe articles set when and by whom the company can be dissolved.
“Bevoegde raad Orde van Architecten onverwijld met regeling lopende opdrachten, algemene vergadering in vormen statutenwijziging”
Liquidation ruleIn a liquidation the creditors are paid first. What is left goes to the shareholders.
“Recht algemene vergadering een of meer vereffenaars te benoemen en bevoegdheden en emolumenten te bepalen, in functie zijnde bestuurder(s)”

Network & group

No group

Studio Bert has no parent and no holdings in its annual accounts. PEETERS Bert is the only director. Studio Bert shares no director with another company.

Timeline

Timeline

14 events since 2018

Deadline for the 2026 accounts: 31-07-2027

2026
Annual accounts 2025 filed NBBmicro format · 24 days late
Registered in the Peppol Directory Reachable for e-invoices through 0208:0693807940
2025
Highest result from 2019 to 2025 net €13,431 ▲145% The operating result of €17,190 and the net result of €13,431 are both a record.
Liquidity more than doubled current ratio 3.72 The current ratio rises from 1.50 to 3.72. Short-term debt falls from €15,503 to €8,744.
Annual accounts 2024 filed PDFmicro format · 17 days before the deadline
2024
Annual accounts 2023 filed PDFmicro format · 49 days before the deadline
2023
Annual accounts 2022 filed PDFmicro format · 27 days before the deadline
Company renamed from BERT ARCHITECTUUR to STUDIO BERTChange of role: PEETERS Bert, from statutory manager to director · “Het verlenen van diensten die behoren tot de uitoefening van het beroep van architect,alsook aanverwante en…” (deed in Dutch) · Director discharge: PEETERS Bert (statutory director)7 points ▸
  • Name change, STUDIO BERT
  • Purpose change, “Het verlenen van diensten die behoren tot de uitoefening van het beroep van architect,alsook aanverwante en niet onverenigbare activiteiten; Het verrichten van…” (deed in Dutch)
  • Director resignation, PEETERS Bert (statutory manager)
  • Director discharge, PEETERS Bert (statutory director)
  • Director appointment, PEETERS Bert (director (not named in the articles))
  • Power of attorney, Isabelle Verhaert
  • Registered office clause, Holsbeeksesteenweg 204, 3010 Leuven - Kessel-Lo
  • The deed holds 8 more points.

Open the deed in the Belgian Official Gazette

2022
Annual accounts 2021 filed PDFmicro format · 47 days before the deadline
2021
Annual accounts 2020 filed PDFmicro format · 39 days before the deadline
2020
Back to profit net €8,695 The net result is €8,695, after one loss-making year.
Annual accounts 2019 filed PDFmicro format · 3 days before the deadline
2018
Incorporation PDFpublished on 04-04-2018
First establishment BERT ARCHITECTUUR, Holsbeeksesteenweg 204, Leuven

Financial milestones sit on the financial year-end date, not the filing date.

Sources: Publications in the Belgian Official GazetteFilings with the National Bank

History

On 30 March 2018, Studio Bert was incorporated.1 In 2023 the company took the name STUDIO BERT.2 Total assets went from €15,220 in 2019 to €41,047 in 2025.3

  1. 1KBO register
  2. 2Belgian Official Gazette, 27-06-2023
  3. 3National Bank, annual accounts 2019 and 2025

Company details

Identity

Enterprise number
0693.807.940
VAT number
BE 0693.807.940
Peppol ID
0208:0693807940
Legal form
Private limited company
Status
Active, normal situation
Founded
30-03-2018
Financial year
ends on 31 December
Peppol
Reachable since 27-03-2026Follow this company and you will hear the next morning if it leaves the Peppol register.
Name
Studio Bert in Dutch
Former name
BERT ARCHITECTUUR until the deed of 27-06-2023
Entity type
Legal entity
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
deed of 27-06-2023 (in Dutch)
Name clauseThe company operates under this name according to its articles.
Studio Bert
deed of 27-06-2023 (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.
“Vlaams Gewest”
deed of 27-06-2023 (in Dutch)

Activities

NACEBEL 2025
71111 Activities of building architects main activity
Codes under NACEBEL 2008
71111 Architectural and engineering activities; technical testing and analysis main activity
PurposeThe purpose describes the activities the company may carry out under its articles.
“Het verlenen van diensten die behoren tot de uitoefening van het beroep van architect,alsook aanverwante en niet onverenigbare activiteiten…”
8 activities
  1. Het verlenen van diensten die behoren tot de uitoefening van het beroep van architect,alsook aanverwante en niet onverenigbare activiteiten;
  2. Het verrichten van alle handelingen welke rechtstreeks of onrechtstreeks in verband staan met haar voorwerp
  3. Ontwerper;
  4. Kunstenaar (schilderwerken en beeldhouwwerken);
  5. Vormgever,
  6. 3D modelleur;
  7. Grafisch designer;
  8. Meubelontwerper.
deed of 27-06-2023 (in Dutch)

Registered office and establishments

1 establishment
Establishment Since Unit number
BERT ARCHITECTUUR registered office Holsbeeksesteenweg 204, 3010 Leuven 30-03-2018 2.275.480.141

Buildings and parcels at the address

Ground area
359 m²
Buildings
75 m²
Volume, LiDAR
426 m³
Tallest building
10.0 m
Buildings to scale, each on its own parcel
75 m², 10.0 m 75 m², 10.0 m

Location

registered office establishment The establishment unit on the map

Parcels

Cadastral parcelArea Buildings Height / floors
24051A0363/00A003359 m² 1 · 75 m² 10.0 m · 2

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