Studio Clave

Active

Private limited companyfounded 20251 yr activeHagenbroeksesteenweg 38, 2500 Lier, BelgiumKBO/BCE: BE 1026.963.348

Summary

Studio Clave has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €19,343 and a net result of €18,343. Its solvency ranks better than 41% of 19955 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).

Risk analysisWatch Report Compare

Studio ClaveActiveChecked score 95/100

Risk analysis Report Compare

Activity

Computer consultancy and computer facilities management

NACE 62200

1 site

Size

€38,735total assets 2025

Equity: €19,343
Profit: €18,343

Turnover not published (abridged schema)

Financial health

95 Excellent Checked score 2025

Bankruptcy chance 12 m: < 0.1%

Structure

Accounts 66 d early0 of 1 deed read

Why 95+ Sector Computer programming, consultancy and related activities (NACE 62)+ Liquidity: current ratio 1.79, cash €20,765+ Size: total assets €38,735+ Figures for FY 2025 (filed 26-05-2026)Show the evidence

Checked score

Score 2025

95 / 100

Excellent

Probability in this band: under 0.55%

Better than 61% of its sector peers (NACE 62, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength

Strong

Solvency 75

equity 49.9% of total assets

Liquidity 75

short-term debt 50.1% · cash 53.6%

Profitability 100

return on assets 47.4%

Bankruptcy probability, 12 months

< 0.1% Very low

0%0.5%1.5%4%10%≥ 25%

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

Sector median 0.1% (25,559 companies)

Sector Computer programming, consultancy and related activities (NACE 62) lowers the probability
Liquidity: current ratio 1.79, cash €20,765 lowers the probability
Size: total assets €38,735 lowers the probability for this profile
Figures for FY 2025 (filed 26-05-2026) lowers the probability

Credit up to €1,500 at 30 days acceptable

Liquidity ample (current ratio 1.79; short-term debt: 50.1% and cash: 53.6% of total assets), but 50.1% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 62, micro). Better than this share of them on solvency 43%, liquidity 58%, profitability 83%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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