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studiov2

Active Private limited companyfounded 2017active for 8 yearsLeeuwstraat 18, 9800 DeinzeKBO/BCE: BE 0684.763.976

Overview

Lifetime

8 annual accounts with figures on one time axis
peak €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 accounts

Equity

€18,892 ▼ 18.3%
23,1232024+4,869Profit-9,100Dividend18,8922025

studiov2 paid out €9,100 in dividends. That is 187% of the 2025 profit.

Debts

€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 strength
Strong

52-3equity 27.1% of total assets
65-1short-term debt 66.6% · cash 47.9%
77=return on assets 7.0%

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
  • Micro
  • 5 to 10 years old
  • solvency 10 to 30%
  • a profit of 5% of the balance sheet or more

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.

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 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
lowers risk · Sector: Computer programming, consultancy and related activities (NACE 62)
KBO
lowers risk · Liquidity: current ratio 1.41, cash €33,365
NBB · annual accounts
lowers risk · Size: total assets €69,624
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
lowers risk · Figures for financial year 2025 (filed on 04-03-2026)
NBB · annual accounts
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 filings
Deviation 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 months
Where today falls in the filing period
30-09-2026 year end10-11-2026 today30-04-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

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
All 13 events

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
Company details

Annual accounts to 30-09-2025

€9,508▲ 0.4%
≈ €52,000estimated
€4,869▼ 7.4%
€18,892▼ 18.3%
€69,624▼ 9.9%
Filing
Filed on 04-03-2026, 57 days before the end of the filing period
Financials

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.

Financials

Annual accounts 2025

micro format, filed on 04-03-2026, 57 days before the deadline
€9,508
▲ 0.4%
€7,444
▼ 11.5%
€4,869
▼ 7.4%
€18,936
▼ 32.2%
27.1%
▼ 2.8 percentage points
1.41
▼ 0.16

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 ≈ €52,000. Estimated: probably between €27,000 and €99,000.

Balance sheet

balance sheet total €69,624 on 30-09-2025
What the company ownsHow it is paid for

in euro

in euro

Position in the sector

27.1%

Higher than 25% of 21,208 companies in 2025.

1.41

Higher than 31% of 20,571 companies in 2025.

7.0%

Higher than 29% of 20,746 companies in 2025.

studiov2 Middle half of the sector 80% of the sector Micro accounts in computer programming and consultancy (NACE 62)

Net result: bottom quarter · Equity: bottom quarter · 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 Trend20252024202320222021202020192018
Balance sheet: assets
20/58 69,62477,30989,94838,93847,83061,47143,84425,400
21/28 4,293-5271,7943,0611,4852,970-
22/27 4,293-5271,7943,0611,4852,970-
23 --5271,7943,0611,4852,970-
24 4,293-------
29/58 65,33277,30989,42037,14444,77059,98640,87425,400
40/41 30,59723,25740,08411,48111,35112,4205,19113,137
40 30,06923,15635,5738,0159,2009,785-10,977
41 5271004,5113,4662,1522,6345,1912,160
54/58 33,36552,79548,13924,86133,07847,22635,52412,263
490/1 1,3701,2571,197802340340159-
Balance sheet: equity and liabilities
10/49 69,62477,30989,94838,93847,83061,47143,84425,400
10/15 18,89223,12321,56521,25920,89719,43510,2876,336
10/11 6,2006,2006,2006,2006,2006,2006,2006,200
100 -----18,60018,60018,600
101 -----12,40012,40012,400
11 ----6,200---
1109/19 ----6,200---
13 11,87016,11014,56014,56014,56013,1004,000100
130/1 --300300300300--
130 -----300300100
1311 --300300300---
133 11,87016,11014,26014,26014,26012,8003,700-
14 8228138054991371358736
17/49 50,73254,18668,38217,67926,93442,03533,55719,064
42/48 46,39649,39064,17115,92326,93438,76030,28117,257
44 30,53937,58759,69112,50723,13433,23426,48417,197
440/4 30,53937,58759,69112,50723,13433,23426,48417,197
45 2,1753,801-48-3,7412,47760
450/3 2,1753,801-48-3,7412,47760
47/48 13,6828,0034,4803,3683,8001,7841,320-
492/3 4,3374,7964,2111,756-3,2763,2761,807
Income statement
9900 9,5089,4682,8542,3604,23314,9328,4821,810
630 1,5325271,2671,2672,2241,4851,485715
640/8 531525479122468467480831
9901 7,4448,4151,1089711,54112,9816,517263
65/66B 102317343275127918968
65 102317343275127918968
9903 7,3428,0987656961,41412,8906,428196
67/77 2,4732,840459334-483,7412,47760
9904 4,8695,2573063621,4619,1483,951136
9905 4,8695,2573063621,4619,1483,951136
Appropriation of the result
9906 5,6826,0638054991,5979,2353,987136
14P 813805499137----
791/2 9,1003,700------
691/2 4,8605,250--1,4609,1003,900100
6920 ------200100
6921 4,8605,250--1,4609,1003,700-
694/7 9,1003,700------
694 9,1003,700------
Document PDFPDFPDFPDFPDFPDFPDFPDF

The notes to these accounts have 5 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the filed accounts (PDF).

Source: Annual accounts 2025 (PDF), filed on 04-03-2026.

Download as CSV

Filings

each dot is a set of accounts, on the day it reached the National Bank
Financial year Type Filed Reference Document
30-09-2025 micro format 04-03-2026 2026-00048540 PDF
30-09-2024 micro format 24-02-2025 2025-00038501 PDF
30-09-2023 micro format 26-02-2024 2024-00035997 PDF
30-09-2022 micro format 27-02-2023 2023-00031826 PDF
30-09-2021 micro format 28-02-2022 2022-06600111 PDF
30-09-2020 micro format 01-03-2021 2021-06500196 PDF
30-09-2019 micro format 03-03-2020 2020-06100244 PDF
30-09-2018 micro format 25-02-2019 2019-05700311 PDF

Key figures and ratios

per financial year, computed from the annual accounts
Line Trend20252024202320222021202020192018
8,9768,9432,3752,2383,76514,4668,002978
6,4015,7851,5731,6293,68610,6335,436851
5,8250003,80004,455-
-19,4304,65623,278-8,217-14,14811,70223,261-
18,93627,91825,24921,22117,83621,22610,5938,143
27.1%29.9%24.0%54.6%43.7%31.6%23.5%24.9%
1.411.571.392.331.661.551.351.47
2.692.343.170.831.292.163.263.01
25.8%22.7%1.4%1.7%7.0%47.1%38.4%2.1%
7.0%6.8%0.3%0.9%3.1%14.9%9.0%0.5%
87.7028.176.938.14----

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
Item30-09-202530-09-202430-09-202330-09-2022
Tangible fixed assets€5,825---
€1,532€527€1,267€1,267

Source: notes to the 2022 to 2025 annual accounts (statement of fixed assets)

Insights on studiov2

The operating result for 2025 is 12% lower than in 2024.

Debt's share of the balance-sheet total rises from 70.1% to 72.9%. Equity and debt are lower.

Board & ownership

Board

2 directors, last change in 2024
Director (not named in the articles)
in office according to the deed of 10-01-2024 term without a fixed end
earlier director, until 10-01-2024
listed in the 2025 annual accounts, filed on 04-03-2026
Director (not named in the articles)
in office according to the deed of 10-01-2024 term without a fixed end
earlier director, until 10-01-2024
listed in the 2025 annual accounts, filed on 04-03-2026
Signing authorityThe articles say who may bind the company, for example by signing a contract.
Each director alone
deed of 10-01-2024

Office holders in the KBO →

Mandates through the years

2 names, the dashed line is today
VAN DE WALLE Ruben Eddy Frans
Director (not named in the articles)
VANDEWALLE Pieter Jos
Director (not named in the articles)
BoardEarliermandate already running before its first mention
Mandates as a list
  • VAN DE WALLE Ruben Eddy Frans
    • Director (not named in the articles), since before 30-09-2022
    • Director, until 10-01-2024
  • VANDEWALLE Pieter Jos
    • Director (not named in the articles), since before 30-09-2022
    • Director, until 10-01-2024

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

Control

Capital

Contribution
€6,200
Source
2025 annual accounts

Articles of association

deed of 10-01-2024 (in Dutch)
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
Last Saturday of February at 10:00

Network & group

No group

studiov2 has no parent and no holdings in its annual accounts. studiov2 shares no director with another company.

At the same address

Leeuwstraat 18, 9800 Deinze · 1 other company
witte schuur
registered office since 01-06-2012 · founded in 2012
total assets €110,930 (2026)
0846.229.879

Timeline

Timeline

13 events since 2017

Deadline for the 2026 accounts: 30-04-2027

2026
Annual accounts 2025 filed PDFmicro format · 57 days before the deadline
Registered in the Peppol Directory Reachable for e-invoices through 0208:0684763976
2025
Annual accounts 2024 filed PDFmicro format · 65 days before the deadline
2024
Annual accounts 2023 filed PDFmicro format · 64 days before the deadline
Legal-form change · Resignations & appointmentsResignations: 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 11-12-20237 points ▸

Open the deed in the Belgian Official Gazette

2023
Annual accounts 2022 filed PDFmicro format · 62 days before the deadline
2022
Annual accounts 2021 filed PDFmicro format · 61 days before the deadline
2021
Annual accounts 2020 filed PDFmicro format · 60 days before the deadline
2020
Highest result from 2018 to 2025 net €9,148 ▲132% The operating result of €12,981 and the net result of €9,148 are both a record.
Annual accounts 2019 filed PDFmicro format · 58 days before the deadline
2019
Annual accounts 2018 filed PDFmicro format · 64 days before the deadline
2017
Incorporation PDFpublished on 20-11-2017
First establishment Leeuwstraat 18, Deinze

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 16 November 2017, studiov2 was incorporated.1 Total assets went from €43,844 in 2019 to €69,624 in 2025.2

  1. 1KBO register
  2. 2National Bank, annual accounts 2019 and 2025

Company details

Identity

Enterprise number
0684.763.976
VAT number
BE 0684.763.976
Peppol ID
0208:0684763976
Other Peppol ID
9925:BE0684763976
Legal form
Private limited company
Status
Active, normal situation
Founded
16-11-2017
Financial year
ends on 30 September
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
Last Saturday of February at 10:00
deed of 10-01-2024 (in Dutch)
Peppol
Reachable since 28-01-2026Follow this company and you will hear the next morning if it leaves the Peppol register.
Name
studiov2 in Dutch
Entity type
Legal entity
Name clauseThe company operates under this name according to its articles.
Studiov2
deed of 10-01-2024 (in Dutch)

Activities

NACEBEL 2025
VAT activities
62100 Computer programming main activity
Social security (RSZ) activities
Codes under NACEBEL 2008
62010 Computer programming, consultancy and related activities main activity
62020 IT consultancy
82990 Other business support services
85599 Other education
PurposeThe purpose describes the activities the company may carry out under its articles.
“Onderzoek en ontwikkeling van nieuwe software(onderdelen) en hardware en/of aanpassing en/of optimalisatie van bestaande oplossingen…”
9 activities
  1. Onderzoek en ontwikkeling van nieuwe software(onderdelen) en hardware en/of aanpassing en/of optimalisatie van bestaande oplossingen
  2. Consultancy, advies, vorming, opleiding en assistentie bij het gebruik van specifieke software en/of hardware, methodieken, protocollen, sjablonen en dergelijke meer
  3. Productie van multimediale presentaties, zoals beeldmateriaal, film, Virtual en Augmented Reality, en elke andere visualisatievorm.
  4. Introductie van innovatieve technologieën en re-engineering
  5. Screening van (bouw)bedrijven ter voorbereiding van implementatie van bovenstaande, inclusief de implementatie
  6. Consultancy, advies, vorming, opleiding en assistentie bij de implementatie en conceptie van duurzaamheidsaspecten in (digitale) bouwprocessen en de daarbij horende (digitale) tools
  7. Het verwerven en aanhouden van participaties, in eender welke vorm, in alle bestaande of op te richten industriële, commerciële, immobiliënvennootschappen of –ondernemingen
  8. Het stimuleren, de planning en coördinatie van de ontwikkeling van vennootschappen en ondernemingen, waarin ze een participatie aanhoud, het deelnemen aan hun beheer, bestuur en toezicht alsmede het verlenen van technische, administratieve en financiële bijstand aan deze vennootschappen en ondernemingen.
  9. Alle studies en operaties met betrekking tot alle onroerende goederen en rechten en tot alle roerende goederen en rechten, welke daaruit voortvloeien, zoals de aankoop, de bouw, de verbouwing, de aanpassing, de huur en de onderhuur, de rechtstreekse uitbating of in regie, de ruiling, de verkoop, de onroerende financieringshuur en in het algemeen alle operaties die rechtstreeks of onrechtstreeks betrekking hebben op het productief maken, voor zichzelf of voor anderen van alle bebouwde of onbebouwde onroerende eigendommen.
deed of 10-01-2024 (in Dutch)

Registered office and establishments

1 establishment
Establishment Since Unit number
Leeuwstraat 18 registered office 9800 Deinze 16-11-2017 2.270.057.445

Buildings and parcels at the address

Ground area
3,130 m²
Buildings
354 m²
Volume, LiDAR
2,222 m³
Tallest building
10.7 m
Buildings to scale, each on its own parcel
354 m², 10.7 m 354 m², 10.7 m

Location

registered office establishment The establishment unit on the map
2 companies at this address See who is registered here

Parcels

Cadastral parcelArea Buildings Height / floors
44078A0197/00N0003,129 m² 1 · 354 m² 10.7 m · 2