Studio SB
ActiveSummary
Studio SB has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €96k and a net result of €8k. Equity is shrinking by ~10.4% per year across the filed fiscal years. Its solvency ranks better than 74% of 9460 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
83
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability59▼-10
Solvency100▲+11
Growth32=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 4.02 against 2.4 in 2024; short-term debt: 21.8% and cash: 24.3% of total assets), and 23.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
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
Sector 71
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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
76.7%
Return on assets
6.2%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 08-06-2026, 53 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
53 d early
2024
51 d early
2023
53 d early
2022
49 d early
2021
45 d early
2020
57 d early
2019
56 d early
← before the deadline
after the deadline →
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€96k▼ 5.0%
2024 · €101k
2018: €143k
2019: €183k
2020: €176k
2021: €182k
2022: €135k
2023: €126k
2024: €101k
2018 → 2025
Total assets
€125k▼ 20.3%
2024 · €157k
2018: €214k
2019: €260k
2020: €212k
2021: €207k
2022: €205k
2023: €167k
2024: €157k
2018 → 2025
Net result
€8k▼ 47.4%
2024 · €15k
2018: €53k
2019: €68k
2020: €-7k
2021: €11k
2022: €2k
2023: €16k
2024: €15k
2018 → 2025
Working capital
€82k▲ 8.5%
2024 · €76k
2018: €72k
2019: €120k
2020: €118k
2021: €126k
2022: €92k
2023: €89k
2024: €76k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€182k-€135k▼ 26.0%€126k▼ 6.6%€101k▼ 19.9%€96k▼ 5.0%
Operating result€19k-€4k▼ 77.1%€23k▲ 430%€25k▲ 7.9%€15k▼ 41.0%
Net result€11k-€2k▼ 81.4%€16k▲ 696%€15k▼ 7.8%€8k▼ 47.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 41% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €125k
Fixed assets
€16k ▼ 42.3%
Current assets
€109k ▼ 15.7%
Equity and liabilities €125k
Equity
€96k ▼ 5.0%
Debt
€29k ▼ 48.0%
Debt's share of the balance-sheet total falls from 35.7% to 23.3%. Equity and debt are lower.
Key figures and ratios
EBITDA
€26k▼
2024 · €37k
Cash flow
€19k▼
2024 · €26k
Current ratio
4.02▲
2024 · 2.40
Debt to equity
0.30▼
2024 · 0.56
ROE
8.0%▼
2024 · 14.5%
ROA
6.2%▼
2024 · 9.3%
Interest coverage
3.90▼
2024 · 4.69
Debt ≤ 1 year
€27k▼
2024 · €54k
Income taxes
€5k▼
2024 · €8k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 45 lines
Balance sheet
Code20242025
Assets
Total assets20/58€157k€125k▼
Fixed assets21/28€27k€16k▼
Tangible fixed assets22/27€27k€15k▼
Land and buildings22€16k€9k▼
Plant, machinery and equipment23€4k€2k▼
Furniture and vehicles24€6k€3k▼
Financial fixed assets28€420€420=
Current assets29/58€130k€109k▼
Amounts receivable within one year40/41€99k€79k▼
Trade receivables40€1k€247▼
Other amounts receivable41€98k€78k▼
Cash at bank and in hand54/58€30k€30k▲
Deferred charges and accrued income490/1€1k€449▼
Equity and liabilities
Total equity and liabilities10/49€157k€125k▼
Equity10/15€101k€96k▼
Contributions10/11€12k€12k=
Reserves13€88k€83k▼
Distributable reserves133€88k€83k▼
Amounts payable17/49€56k€29k▼
Amounts payable within one year42/48€54k€27k▼
Current portion of amounts payable after more than one year42€3k€3k▼
Trade debts44€2k€3k▲
Suppliers440/4€2k€3k▲
Taxes, remuneration and social security45€11k€9k▼
Taxes450/3€11k€9k▼
Other amounts payable47/48€38k€12k▼
Accrued charges and deferred income492/3€2k€2k=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€11k▼
Other operating charges640/8€1k€2k▲
Gross operating margin9900€38k€28k▼
Operating profit (loss)9901€25k€15k▼
Financial income75/76B€5k€5k▼
Recurring financial income75€5k€5k▼
Financial charges65/66B€8k€7k▼
Recurring financial charges65€8k€7k▼
Profit (loss) for the period before taxes9903€23k€13k▼
Income taxes67/77€8k€5k▼
Profit (loss) for the period9904€15k€8k▼
Profit (loss) for the period to be appropriated9905€15k€8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€15k€8k▼
Transfer from equity791/2€40k€13k▼
Transfer to equity691/2€15k€8k▼
To other reserves6921€15k€8k▼
Profit to be distributed694/7€40k€13k▼
Return on contributions (dividend)694€40k€13k▼
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
08-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
10-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
08-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
12-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
16-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €11k
Net result €11k after one loss-making year.
04-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €-7k ▼111%
Net result drops to €-7k, the lowest in the series; recovery starts the following year.
05-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Highest result since 2018net €68k ▲28%
Operating result €97k, net result €68k, both a record.
31-12
Financial
Equity above €150kEq €183k ▲27.7%
2 profitable years in a row build equity to €183k.
07-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
24-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
23-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 acts for this company are 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, Heusden-Zolder · 1 establishment unit since 2006
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.
Poelenstraat 393550 Heusden-ZolderGround area
1,020 m²
Building footprint
211 m²
Volume, LiDAR
912 m³
Parcel 71065F0627/00N000, Flanders · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SERGE BOSMANS ARCHITECT
since 20062.342.841.295
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71065F0627/00N000 | Flanders | 1,020 m² | 1 · 211 m² | 9.2 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
ARCHITECT KURT LOOMANS
BE 0845.587.503
Turnhout · Eq €95,816
CARTON123 ARCHITECTEN
BE 0899.796.447
Jette · Eq €95,896
TRIO Architecture
BE 0434.775.972
Etterbeek · Eq €95,971
S.C.O.T.
BE 0867.462.090
Sint-Niklaas · Eq €95,973
HELIOTROPE
BE 0425.850.190
Schaarbeek · Eq €95,665
Of 18,255 companies in sector 71111 we hold annual accounts for 6,321. 5,482 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-08-2006
Fiscal year end31-12
Activities, NACEBEL 2025
71111Activities of building architects
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.