STUDJO
ActiveSTUDJO has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-2k) and a net result of €570. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 9% of 9430 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Negative equity caps the score. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability73▲+73
Solvency13▲+9
Growth32=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.58 against 0.18 in 2024; short-term debt: 111.5% and cash: 41.7% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises 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 →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-11.5%
Return on assets
3.3%
Age of the figures
9 mo
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
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 9% of 9430 sector peers (2025).
NBB · sector comparisonPosition among 9430 sector peers
Solvency
better than 9%
← weakest
strongest →
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 17-07-2026, 14 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
14 d early
2024
21 d early
2023
37 d early
2022
18 d late
2021
40 d early
2020
15 d early
2019
31 d late
← before the deadline
after the deadline →
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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-2k▲ 22.5%
2024 · €-3k
2018: €14k
2019: €27k
2020: €31k
2021: €31k
2022: €31k
2023: €7k
2024: €-3k
2018 → 2025
Total assets
€17k▲ 43.9%
2024 · €12k
2018: €33k
2019: €42k
2020: €47k
2021: €49k
2022: €42k
2023: €18k
2024: €12k
2018 → 2025
Net result
€570
2024 · €-9k
2018: €5k
2019: €13k
2020: €4k
2021: €-391
2022: €59
2023: €-24k
2024: €-9k
2018 → 2025
Working capital
€-8k▲ 32.7%
2024 · €-12k
2018: €-5k
2019: €9k
2020: €14k
2021: €11k
2022: €15k
2023: €-6k
2024: €-12k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€31k-€31k▲ 0.2%€7k▼ 78.2%€-3k€-2k▲ 22.5%
Operating result€398-€960▲ 141%€-24k€-9k▲ 62.2%€749
Net result€-391-€59€-24k€-9k▲ 61.8%€570
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €749 after a loss of €9k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €17k
Fixed assets
€6k▼ 35.5%
Current assets
€11k▲ 328%
Key figures and ratios
EBITDA
€4k▲
2024 · €-6k
Cash flow
€4k▲
2024 · €-6k
Solvency
-11.5%▲
2024 · -21.4%
Current ratio
0.58▲
2024 · 0.18
Quick ratio
0.58▲
2024 · 0.18
Debt / equity
-9.68▼
2024 · -5.68
ROA
3.3%▲
2024 · -78.6%
Interest coverage
22.54▲
2024 · -33.69
Debt
€19k▲
2024 · €14k
Debt ≤ 1 year
€19k▲
2024 · €14k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€12k€17k▲
Fixed assets21/28€9k€6k▼
Tangible fixed assets22/27€9k€6k▼
Furniture and vehicles24€2k€678▼
Other tangible fixed assets26€7k€5k▼
Current assets29/58€3k€11k▲
Amounts receivable within one year40/41€517€3k▲
Trade receivables40€517€3k▲
Cash at bank and in hand54/58€2k€7k▲
Deferred charges and accrued income490/1€526€585▲
Equity and liabilities
Total equity and liabilities10/49€12k€17k▲
Equity10/15€-3k€-2k▲
Contributions10/11€6k€6k=
Reserves13€22k€22k=
Distributable reserves133€22k€22k=
Profit (loss) carried forward14€-30k€-30k▲
Amounts payable17/49€14k€19k▲
Amounts payable within one year42/48€14k€19k▲
Trade debts44€2k€763▼
Suppliers440/4€2k€763▼
Taxes, remuneration and social security45€3k€4k▲
Taxes450/3€3k€4k▲
Other amounts payable47/48€9k€14k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k=
Other operating charges640/8€776€792▲
Gross operating margin9900€-5k€5k▲
Operating profit (loss)9901€-9k€749▲
Financial income75/76B€0€0▲
Recurring financial income75€0€0▲
Financial charges65/66B€174€179▲
Recurring financial charges65€174€179▲
Profit (loss) for the period before taxes9903€-9k€570▲
Profit (loss) for the period9904€-9k€570▲
Profit (loss) for the period to be appropriated9905€-9k€570▲
Appropriation of the result
Profit (loss) to be appropriated9906€-30k€-30k▲
Profit (loss) brought forward from the previous period14P€-21k€-30k▼
Transfer from equity791/2€0-
The notes to these accounts (13 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
17-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €570
Net result €570 after 2 loss-making years.
10-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
24-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-24k ▼41323%
Net result drops to €-24k, the lowest in the series; recovery starts the following year.
18-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 18 days late
2022
31-12
Financial
Back to profitnet €59
Net result €59 after one loss-making year.
21-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
16-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
31-12
Financial
Highest result since 2018net €13k ▲170%
Operating result €19k, net result €13k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 1.61
Current ratio from 0.71 to 1.61; short-term debt falls from €19k to €14k.
10-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 71 days late
2018
14-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
23-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 23 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Sint-Martens-Latem · 1 establishment unit since 2012
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.
Hooglatemweg 329830 Sint-Martens-LatemGround area
1,876 m²
Building footprint
254 m²
Volume, LiDAR
1,323 m³
Parcel 44064B0084/00C002, Flanders · tallest building 6.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
STUDJO
since 20122.214.714.490
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44064B0084/00C002 | Flanders | 1,876 m² | 1 · 253 m² | 6.7 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
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ADS-IGN
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BLCN DESIGN
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Of 3,918 companies in sector 71112 we hold annual accounts for 1,295. 667 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-11-2012
Fiscal year end31-12
Activities, NACEBEL
71112Activities of interior architects
18130Pre-press and pre-media services
47553Retail trade
47593Retail trade
68110Buying and selling of own real estate
70200Business and other management consultancy
70220Business consulting
74111Design of textile patterns, clothing, jewellery, furniture and decorative items
74103Other professional, scientific and technical activities
74120Graphic design and visual communication
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:www.studjo.design
E-mail:info@studjo.design