Equity
€18,892 ▼ 18.3%
studiov2 paid out €9,100 in dividends. That is 187% of the 2025 profit.
studiov2
Lifetime
8 annual accounts with figures on one time axispeak €14,932 (2020)
€9,508▲ 0.4%
peak €9,148 (2020)
€4,869▼ 7.4%
peak €23,123 (2024)
€18,892▼ 18.3%
€50,732▼ 6.4%
Board2 names since 2022
2 directorsVAN DE WALLE Ruben Eddy Frans and 1 other
Documentsfilings and deeds
04-03-202657 days before the deadline
2025micro format
Dividend €9,100Equity from €23,123 to €18,892Cash from €52,795 to €33,365
Key points
from the 2025 annual accountsDebts
€50,732 73% of the balance sheet
Suppliers 60%Taxes and wages 4%Other 36%
Of this, €46,396 falls due within a year.
Investments
€5,825 3.8 × depreciation
Green is investment, beige is depreciation.
Checked score
92
Excellent
Financially stronger than 34% of micro companies in computer programming and consultancy (NACE 62)
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 25,932 companies (NACE 62, 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 01-2025highest value
03-2025: < 0.1%▼ -0.1 percentage points 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 11-2025lowest value
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: < 0.1%● unchanged vs 07-2026
09-2026: < 0.1%● unchanged vs 08-2026
10-2026: < 0.1%● unchanged vs 09-2026
11-2026: < 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
lowers risk
Sector: Computer programming, consultancy and related activities (NACE 62)
Liquidity: current ratio 1.41, cash €33,365
Size: total assets €69,624
Figures for financial year 2025 (filed on 04-03-2026)
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 62, micro). It does better than 27% of them on solvency, 48% on liquidity, 37% on profitability and 26% on growth.
The bankruptcy probability was computed on 09-11-2026 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 30-09-2025.
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, 6,713 companies had the same profile as studiov2 has now. Each dot stands for 17 companies, two years later.
95.8%
were still trading
2.2%
stopped another way
1.8%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of studiov2 itself is lower: < 0.1% within 12 months. It rests on far more data about studiov2 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.
| 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 6,713 companies, not a prediction for studiov2. 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 €1,500 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.41 (1.57 in 2024), below the usual 1.5. Short-term debt is 66.6% and cash 47.9% of total assets. 72.9% 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
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 04-03-2026, 57 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
57 days early
2024
65 days early
2023
64 days early
2022
62 days early
2021
61 days early
2020
60 days early
2019
58 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 61 days before the deadline. In the sector (NACE 62), the median for financial year 2024 was 9 days before the deadline, and 33% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-09-2026 is due by 30-04-2027. Nothing is late today. The company usually files around 27 February (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
30-09-2026 year end10-11-2026 today30-04-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0684763976
Legal-form change · Resignations & appointments
Resignations: VANDEWALLE Pieter Jos (director) and VAN DE WALLE Ruben Eddy Frans (director) · Reappointments: VANDEWALLE Pieter Jos (director) and VAN DE WALLE Ruben Eddy Frans (director) · General meeting of 11-12-2023 · Gazette deed
Incorporation
published on 20-11-2017 · Gazette deed
First establishment
Leeuwstraat 18, Deinze
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| studiov2 Deinze | €69,624 | €9,508 | 27.1% | - |
| Advocatenkantoor DINET Olivier Ghent | €66,721 | €9,141 | 25.5% | - |
| INDISUM Liège | €61,765 | €9,338 | 45.6% | - |
| Triple IQ Huldenberg | €76,818 | €8,506 | 74.5% | - |
| YSIO Esneux | €80,345 | €9,000 | 75.4% | - |
| DIOGENO Braine-le-Comte | €76,922 | €10,842 | 23.9% | - |
| Lavia Solutions Ghent | €53,381 | €11,721 | -119.0% | - |
These companies have the same main activity as studiov2: computer programming (NACE 62100). They are comparable in size and age: total assets between €53,400 and €80,300, founded between 2016 and 2019.
Official details
Source: KBO- Status
- Active since 16-11-2017Normal situation
- Activity
- Computer programmingNACE 62100and 3 others
- Establishment unit
- 2.270.057.4459800 Deinze, since 16-11-2017
- Financial year end
- 30 September
- Peppol
- Reachable since 28-01-2026
Annual accounts to 30-09-2025
- ≈ €52,000estimated
- €69,624▼ 9.9%
- Filing
- Filed on 04-03-2026, 57 days before the end of the filing period
Insights on studiov2
studiov2 files the micro format. That format states no turnover. The gross margin rose from €1,810 in 2018 to €9,508 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about studiov2
- What is the company number of studiov2?
- The company number of studiov2 is 0684.763.976. The VAT number is the same number with BE in front: BE 0684.763.976.
- Where is studiov2 based?
- The registered office is at Leeuwstraat 18, 9800 Deinze.Company details
- What does studiov2 do?
- According to the KBO register, the main activity is computer programming (NACE 62100).
- What is the legal form of studiov2?
- studiov2 is a private limited company (BV).
- When was studiov2 founded?
- studiov2 was founded on 16-11-2017.
- Is studiov2 still active?
- Yes, studiov2 is an active enterprise in the KBO register.
- What is the turnover of studiov2?
- The turnover in financial year 2025 is ≈ €52,000. This figure is estimated from the gross margin of €9,508 and 53 comparable companies (NACE 62100). It probably lies between €27,000 and €99,000. It is a rough estimate.Financials
- Is studiov2 profitable?
- In financial year 2025, studiov2 made a profit of €4,869.
- Where can I find the annual accounts of studiov2?
- studiov2 filed 8 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of studiov2 due?
- studiov2 must file the annual accounts for financial year 2026 by 30-04-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check Compare this company with its sector.Sector benchmark See what changed in the latest annual accounts.What changed
See how customers, suppliers and banks see your own company and what to improve first.