Studioloco
ActiveSummary
The computed 12-month bankruptcy probability of Studioloco is 2.0% (moderate). The 2025 annual accounts show equity of €16k and a net result of €5k. Equity is growing by ~42.1% per year across the filed fiscal years. Its solvency ranks better than 32% of 18280 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
46
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability74▲+1
Solvency38▲+6
Growth78=
Track record94
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity short (current ratio 0.94 against 0.94 in 2024; short-term debt: 86.7% and cash: 5.4% of total assets), and 86.7% 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+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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
13.3%
Return on assets
3.8%
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 31-07-2026, 0 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
on the day
2024
99 d late
2023
61 d late
← 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
€16k▲ 40.4%
2024 · €11k
2023: €6k
2024: €11k
2023 → 2025
Total assets
€120k▼ 25.0%
2024 · €160k
2023: €153k
2024: €160k
2023 → 2025
Net result
€5k▼ 7.5%
2024 · €5k
2023: €1k
2024: €5k
2023 → 2025
Working capital
€-6k▲ 26.0%
2024 · €-8k
2023: €16k
2024: €-8k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€6k-€11k▲ 77.7%€16k▲ 40.4%
Operating result€7k-€8k▲ 16.3%€7k▼ 11.8%
Net result€1k-€5k▲ 260%€5k▼ 7.5%
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 12% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €120k
Fixed assets
€22k ▼ 14.0%
Current assets
€98k ▼ 27.1%
Equity and liabilities €120k
Equity
€16k ▲ 40.4%
Debt
€104k ▼ 30.0%
Debt's share of the balance-sheet total falls from 92.9% to 86.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€11k▼
2024 · €11k
Cash flow
€8k▲
2024 · €8k
Current ratio
0.94▼
2024 · 0.94
Quick ratio
0.26▼
2024 · 0.40
Debt to equity
6.55▼
2024 · 13.13
ROE
28.8%▼
2024 · 43.7%
ROA
3.8%▲
2024 · 3.1%
Interest coverage
9.49▲
2024 · 6.40
Debt ≤ 1 year
€104k▼
2024 · €143k
Debt > 1 year
€0▼
2024 · €6k
Income taxes
€1k▼
2024 · €2k
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 · 51 lines
Balance sheet
Code20242025
Assets
Total assets20/58€160k€120k▼
Formation expenses20€0-
Fixed assets21/28€25k€22k▼
Intangible fixed assets21€21k€18k▼
Tangible fixed assets22/27€5k€4k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€2k€1k▼
Current assets29/58€135k€98k▼
Stocks and contracts in progress3€78k€71k▼
Stocks30/36€78k€71k▼
Amounts receivable within one year40/41€15k€17k▲
Trade receivables40€15k€17k▲
Other amounts receivable41€1€381▲
Current investments50/53€22k€2k▼
Cash at bank and in hand54/58€19k€6k▼
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€160k€120k▼
Equity10/15€11k€16k▲
Contributions10/11€5k€5k=
Reserves13€5k€10k▲
Distributable reserves133€5k€10k▲
Profit (loss) carried forward14€1k€1k=
Amounts payable17/49€149k€104k▼
Amounts payable after more than one year17€6k€0▼
Financial debts170/4€6k€0▼
Amounts payable within one year42/48€143k€104k▼
Current portion of amounts payable after more than one year42€30k€6k▼
Trade debts44€5k€3k▼
Suppliers440/4€5k€3k▼
Advances received on contracts in progress46€0-
Taxes, remuneration and social security45€8k€8k▼
Taxes450/3€8k€8k▼
Remuneration and social security454/9€0-
Other amounts payable47/48€100k€88k▼
Income statement
Code20242025
Non-recurring operating income76A€300€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€4k▲
Other operating charges640/8€422€328▼
Gross operating margin9900€12k€11k▼
Operating profit (loss)9901€8k€7k▼
Financial income75/76B€278€138▼
Recurring financial income75€278€138▼
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€6k€6k▼
Income taxes67/77€2k€1k▼
Profit (loss) for the period9904€5k€5k▼
Profit (loss) for the period to be appropriated9905€5k€5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€6k€6k▼
Profit (loss) brought forward from the previous period14P€1k€1k=
Transfer to equity691/2€5k€5k▼
To other reserves6921€5k€5k▼
The notes to these accounts (12 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
07-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 99 days late
2024
31-12
Financial
Highest result since 2023net €5k ▲260%
Operating result €8k, net result €5k, both a record.
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Hamme (Vl.) · 1 establishment unit since 2023
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.
Noubroekstraat 119220 Hamme (Vl.)Ground area
1,742 m²
Building footprint
171 m²
Volume, LiDAR
562 m³
Parcel 42008A0284/00D000, Flanders · tallest building 5.3 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Studioloco
since 20232.340.138.262
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42008A0284/00D000 | Flanders | 1,742 m² | 1 · 171 m² | 5.3 m · 1 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
ROSALIE
BE 1004.478.946
Aalst · Eq €15,920
EUROPA STAR
BE 0662.801.889
Anderlecht · Eq €15,922
Mighty Bee
BE 1016.019.075
Baelen · Eq €15,911
MY SHOP EXPRESS
BE 0797.868.649
Charleroi · Eq €15,928
PROSERV
BE 0436.399.436
Beloeil · Eq €15,969
Of 12,958 companies in sector 47120 we hold annual accounts for 2,190. 1,354 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
Founded12-01-2023
Fiscal year end31-12
Activities, NACEBEL 2025
47120Other non-specialised retail sale
46412Wholesale of household textiles and bedding
46419Wholesale trade
74111Design of textile patterns, clothing, jewellery, furniture and decorative items
74120Graphic design and visual communication
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryWebsite:studioloco.eu