StudyLabs
ActiveSummary
The annual accounts of StudyLabs for financial year 2025 show a net loss of 269% of total assets. The 2025 annual accounts show equity of €512 and a net result of -€9,509. Its solvency ranks better than 17% of 836 sector peers (NACE 85, financial year 2025). The company has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.1% (very low).
Overview
Activity
Other educational support services
NACE 85699
1 site
Size
€0turnover 2025
- Equity
- €512
- Loss
- -€9,509
Structure
- CHAPELAIN Antoine BenoîtDaily manager
- HOFMAN Clara Marie NeigeDirector
Accounts 33 days early
Why 54raises riskCapped at 59: a net loss of at least half of total assets or of the equity at the start of the financial yearLoss of €9,509 (financial year 2025)lowers riskSector: Education (NACE 85)Size: turnover €0, total assets €3,529Liquidity: current ratio 1.16, cash €3,458Show the evidence
Checked score
Score 2025
54
/ 100
Fair
Probability in this band: 1.5% to 4.2%
Financially better than 23% of its sector peers (NACE 85, micro)
A net loss of at least half of total assets or of the equity at the start of the financial year caps the score at 59. Every signal that counts is listed under Signals.
Financial strength
Weak
Solvency
39
equity 14.5% of total assets
Liquidity
53
short-term debt 85.5% · cash 98.0%
Profitability
0
return on assets -269.5%
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2025: 0.4%
12-2025: 0.4%● unchanged vs 11-2025
01-2026: 0.4%● unchanged vs 12-2025
02-2026: 0.4%● unchanged vs 01-2026
03-2026: 0.4%● unchanged vs 02-2026
04-2026: 0.4%● unchanged vs 03-2026
05-2026: 0.5%▲ +0.1 percentage points vs 04-2026
06-2026: 0.5%● unchanged vs 05-2026
07-2026: 0.5%● unchanged vs 06-2026
08-2026: 0.5%● unchanged vs 07-2026
09-2026: 0.6%▲ +0.1 percentage points vs 08-2026highest value
10-2026: 0.1%▼ -0.5 percentage points vs 09-2026lowest value
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
balance sheet total too small for a liquidity verdict.
How it is calculated
The band follows from the bankruptcy probability, on a scale where 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 85, micro): better than 25% on solvency, 39% on liquidity and 6% on profitability.
The bankruptcy probability was computed on 23-10-2026 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.
Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
Credit check for your own amount and term
Show the recommended maximum and see how the verdict changes with amount, term and advance.
Signals
Seven signals.
lowers riskraises riskneutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 836 sector peers (2025).
NBB · sector comparisonPosition among 836 sector peers
Solvency
better than 17%
← weakest
strongest →
raises risk · Young company
Founded in 2024, 2 years ago. Young companies fail more often than established ones; the risk is highest 2 to 8 years after founding.
KBO · incorporation dateAge against the risk zone
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 28-03-2026, 33 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
33 days early
← before the deadline
after the deadline →
Searched, nothing found (1)
- Annual accounts filedfinancial year 2025 · abbreviated…
- IncorporationAppointments: CHAPELAIN Antoine Benoît (statutory…
Financials · financial year 2025, abbreviated format
Turnover
€0
Total assets
€3,529
Net result
-€9,509
Working capital
€485
Balance-sheet composition
Assets €3,529
Fixed assets
€27
Current assets
€3,502
Equity and liabilities €3,529
Equity
€512
Debt
€3,017
Debt finances 85.5% of the balance-sheet total.
Key figures and ratios
EBITDA
-€9,467
Cash flow
-€9,509
Interest coverage
-228.07
Debt ≤ 1 year
€3,017
Debt > 1 year
€0
Income taxes
€0
Staff costs
€0
Ratios withheld: a balance sheet total of €3,529 is too small for a meaningful ratio.
Peer companies
Historical observationOf the 1,207 companies that looked in July 2024 the way this one looks now, 4.6% went bankrupt within 24 months and 90.1% are still going.
- Micro
- 2 to 5 years old
- solvency 10 to 30%
- a loss of 10% of the balance sheet or more
4.6%
went bankrupt
4.6%
stopped otherwise
90.1%
still going
A further 0.7% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 0.1% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,473 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 1.0% |
| 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% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74.5% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 1,207 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2025 |
|---|---|
| Turnover70 | €0 |
| Non-recurring operating income76A | €0 |
| Goods, raw materials, services and sundry goods60/61 | €9,417 |
| Remuneration, social security and pensions62 | €0 |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €0 |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | €0 |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | €0 |
| Other operating charges640/8 | €50 |
| Operating charges capitalised as restructuring costs649 | €0 |
| Non-recurring operating charges66A | €0 |
| Gross operating margin9900 | -€9,417 |
| Operating profit (loss)9901 | -€9,467 |
| Financial income75/76B | €0 |
| Recurring financial income75 | €0 |
| Non-recurring financial income76B | €0 |
| Financial charges65/66B | €42 |
| Recurring financial charges65 | €42 |
| Non-recurring financial charges66B | €0 |
| Profit (loss) for the period before taxes9903 | -€9,509 |
| Transfer from deferred taxes780 | €0 |
| Transfer to deferred taxes680 | €0 |
| Income taxes67/77 | €0 |
| Profit (loss) for the period9904 | -€9,509 |
| Transfer from tax-exempt reserves789 | €0 |
| Transfer to tax-exempt reserves689 | €0 |
| Profit (loss) for the period to be appropriated9905 | -€9,509 |
| Line | 2025 | |
|---|---|---|
| Assets | ||
| Total assets20/58 | €3,529 | |
| Formation expenses20 | €0 | |
| Fixed assets21/28 | €27 | |
| Intangible fixed assets21 | €0 | |
| Tangible fixed assets22/27 | €27 | |
| Land and buildings22 | €0 | |
| Plant, machinery and equipment23 | €0 | |
| Furniture and vehicles24 | €27 | |
| Leasing and similar rights25 | €0 | |
| Other tangible fixed assets26 | €0 | |
| Assets under construction and advance payments27 | €0 | |
| Financial fixed assets28 | €0 | |
| Current assets29/58 | €3,502 | |
| Amounts receivable after more than one year29 | €0 | |
| Trade receivables290 | €0 | |
| Other amounts receivable291 | €0 | |
| Stocks and contracts in progress3 | €0 | |
| Stocks30/36 | €0 | |
| Contracts in progress37 | €0 | |
| Amounts receivable within one year40/41 | €44 | |
| Trade receivables40 | €0 | |
| Other amounts receivable41 | €44 | |
| Current investments50/53 | €0 | |
| Cash at bank and in hand54/58 | €3,458 | |
| Deferred charges and accrued income490/1 | €0 | |
| Equity and liabilities | ||
| Total equity and liabilities10/49 | €3,529 | |
| Equity10/15 | €512 | |
| Contributions10/11 | €10,020 | |
| Revaluation surpluses12 | €0 | |
| Reserves13 | €0 | |
| Non-distributable reserves130/1 | €0 | |
| Reserves not available under the articles1311 | €0 | |
| Own shares acquired1312 | €0 | |
| Financial assistance1313 | €0 | |
| Other1319 | €0 | |
| Tax-exempt reserves132 | €0 | |
| Distributable reserves133 | €0 | |
| Profit (loss) carried forward14 | -€9,509 | |
| Investment grants15 | €0 | |
| Advance to shareholders on the distribution of net assets19 | €0 | |
| Provisions and deferred taxes16 | €0 | |
| Provisions for liabilities and charges160/5 | €0 | |
| Pensions and similar obligations160 | €0 | |
| Taxes161 | €0 | |
| Major repairs and maintenance162 | €0 | |
| Environmental obligations163 | €0 | |
| Other liabilities and charges164/5 | €0 | |
| Deferred taxes168 | €0 | |
| Amounts payable17/49 | €3,017 | |
| Amounts payable after more than one year17 | €0 | |
| Financial debts170/4 | €0 | |
| Trade debts175 | €0 | |
| Advances received on contracts in progress176 | €0 | |
| Other amounts payable178/9 | €0 | |
| Amounts payable within one year42/48 | €3,017 | |
| Current portion of amounts payable after more than one year42 | €0 | |
| Financial debts43 | €0 | |
| Credit institutions430/8 | €0 | |
| Other loans439 | €0 | |
| Trade debts44 | €12 | |
| Suppliers440/4 | €12 | |
| Bills of exchange payable441 | €0 | |
| Advances received on contracts in progress46 | €0 | |
| Taxes, remuneration and social security45 | €110 | |
| Taxes450/3 | €110 | |
| Remuneration and social security454/9 | €0 | |
| Other amounts payable47/48 | €2,895 | |
| Accrued charges and deferred income492/3 | €0 | |
| Line | 2025 |
|---|---|
| Profit (loss) for the period9904 | -€9,509 |
| + Depreciation and write-downs630 | €0 |
| Operating cash flow (approximation) | -€9,509 |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Filings with the National Bank (1)
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 30-09-2025 | abbreviated format | 28-03-2026 | 2026-00064798 |
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Of the 946 active companies whose main activity is other educational support services (NACE 85699), figures are known for 149. 14 are within a factor 10 of this equity. These 5 are the closest to it. See the whole sector
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Directors
2 directors, 1 in day-to-day management, no change since 2024
Board 2
CHAPELAIN Antoine Benoît
CurrentStatutory director · since 08-10-2024
HOFMAN Clara Marie Neige
CurrentStatutory director · since 08-10-2024
Day-to-day management 1
CHAPELAIN Antoine Benoît
CurrentGestion journalière et représentation · since 08-10-2024
Other functions 1
CHAPELAIN Antoine Benoît
CurrentGestion journalière et représentation · since 08-10-2024
Derived from published Gazette deeds. The KBO keeps the official list of office holders; we do not read it, so the two can differ.
See the directors and other office holders in the KBO →
Mandate history
2 people since 2024, 2 in office
- Board
- Day-to-day management
- Other function
| Name | Functions and periods |
|---|---|
| CHAPELAIN Antoine Benoît |
|
| HOFMAN Clara Marie Neige |
|
Owners and capital
Capital and shareholders
Shareholders according to the deeds
At incorporation
act of 08-10-2024 ↗
- CHAPELAIN Antoine Benoît 7,800 shares (65%) · €2,500 in cash
- HOFMAN Clara Marie Neige 3,000 shares (25%) · €1,220 in cash
- CHAPELAIN Nathalie Marie Ghislaine 571 shares (4.8%) · €3,000 in cash
- HOFMAN Etienne Marie Luc Jean 380 shares (3.2%) · €2,000 in cash
- VANDEVELDE Oscar Ghislain Joseph 191 shares (1.6%) · €1,000 in cash
- BLAUWART William Nicolas Achab 58 shares (0.5%) · €300 in cash
The Belgian Official Gazette names shareholders only when an act mentions them; the share register itself is not published.
Capital over the years
- 08-10-2024 Incorporation · €10,020.08 · 12,000 shares
- 08-10-2024 Incorporation · €10,020.08 · 12,000 shares
Group and network
Connections & network
2 current directorsThe network starts from this company’s directors. Other companies they run appear here as nodes.
This company
Company
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Shareholding
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History
Acts, filings and financial milestones
2026
28-03
NBB filing
Annual accounts filed
financial year 2025 · abbreviated format
2024
08-10
Gazette deed
IncorporationAppointments: CHAPELAIN Antoine Benoît (statutory director) and HOFMAN Clara Marie Neige (statutory director) · Founding capital · Kind of shares24 facts ▸
Gazette deed
Incorporation
Appointments: CHAPELAIN Antoine Benoît (statutory director) and HOFMAN Clara Marie Neige (statutory director) · Founding capital · Kind of shares24 facts ▸
- Incorporation, 04-10-2024
- Founding capital, €10,020.08 (2 times)
- Kind of shares, “A”, 7800 (deed in French)
- Kind of shares, “B”, 3000 (deed in French)
- Kind of shares, “C”, 1200 (deed in French)
- Share issue, “A”, 7800 (deed in French)
- Share issue, “B”, 3000 (deed in French)
- Share issue, “C”, 571 (deed in French)
- Share issue, “C”, 380 (deed in French)
- Share issue, “C”, 191 (deed in French)
- Share issue, “C”, 58 (deed in French)
- Bank account, 10020.08, “société en formation” (deed in French)
- +12 further facts in this act
Gazette deedNBB filing
1 of 1 deed read
Register details
Identification
Legal formPrivate limited company
Founded04-10-2024
Financial year end30-09
Activities, NACEBEL 2025
85699Other educational support services
58110Book publishing
58290Other software publishing
82300Organisation of conventions and trade shows
82990Other business support services
85599Other education
Contact
E-mail
contact@studylabs.com
Phone
+32455109214
E-invoicing
Reachable via Peppol
Peppol ID
0208:1014677309
Registered
28-03-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 23 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.
Sites & property
Location & real-estate footprint
Registered office, Braine-le-Comte · 1 establishment unit since 2024
Ground area
1,249 m²
Building footprint
121 m²
Parcel 55302C0882/00T000, Wallonia. Linked by address, not a title deed.
1 establishment unit
StudyLabs
since 2024unit no. 2.364.537.524
1 parcel
Wallonia
1
(100%)
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 55302C0882/00T000 | Wallonia | 1,249 m² | 1 · 121 m² | - |
How the parcels are linked
Good to know
The parcel matches the address exactly.
Articles of association
What the company does
- PurposeThe activities the company may carry out under its articles.
- “La création, production, édition et vente de fiches synthétiques couvrant divers domaines d’études; La création, production, édition et…” (deed in French)
17 activities (deed in French)
- La création, production, édition et vente de fiches synthétiques couvrant divers domaines d’études.
- La création, production, édition et vente de flashcards, guides d’étude, et autres matériels pédagogiques.
- L’organisation et l’animation de sessions de tutorat, ateliers, cours en ligne, et conférences éducatives.
- Le développement et la commercialisation d’applications et plateformes en ligne dédiées à l’apprentissage et au soutien scolaire.
- La présentation de services de conseil et d’accompagnement personnalisés pour les étudiants.
- La distribution de produits éducatifs de tiers et la conclusion de partenariats avec des institutions éducatives, des enseignants et des experts.
- L’ouverture, gestion et exploitation d’établissement physiques ou en ligne dédiés à l’éducation et à la formation.
- L’ouverture, gestion et exploitation d’établissement physiques réservés prioritairement, mais non exclusivement, aux étudiants, ainsi que des services de restauration avec distribution de nourriture et de boissons.
- Assistance, conseil et orientation aux entreprises, aux particuliers et aux institutions, principalement mais non exclusivement dans le domaine de la gestion, du marketing, de la production et du développement, de la transformation et de la gestion d'entreprises, le tout au sens le plus large.
- Fournir elle-même ou en tant qu'intermédiaire tous les moyens auxiliaires, agir ou faire agir d'autres personnes en tant qu'administrateurs et fournir des services directement ou indirectement liés à ce qui précède. Ces services peuvent être fournis en vertu d'un engagement contractuel ou statutaire et en qualité de consultant externe ou d'organe du client.
- Toutes les activités concernant l'organisation d’événements ainsi que l'organisation de cours, d'ateliers et de démonstrations au sens le plus large.
- Prendre des participations sous n’importe quelle forme dans toutes les entités juridiques et sociétés existantes ou à créer, promouvoir, planifier, coordonner, développer et investir dans des entités juridiques et des sociétés dans lesquelles elle détient ou non une participation
- Accorder des prêts et des ouvertures de crédit à des entités juridiques et à des sociétés ou à des particuliers, sous n’importe quelle forme; dans ce contexte, elle peut également se porter garante ou fournir sa garantie, au sens le plus large, effectuer toutes les opérations commerciales et financières à l'exception de celles qui sont légalement réservées aux banques de dépôt, aux détenteurs de dépôts à court terme, aux caisses d'épargne, aux sociétés de crédit hypothécaire et aux sociétés de capitalisation
- Fournir des conseils de nature financière, technique, commerciale ou administrative, au sens le plus large, à l'exception des conseils en matière d'investissements et de placements monétaires
- Fournir une assistance et des services, directement ou indirectement, dans les domaines de l'administration et des finances, de la vente, de la production et de la gestion générale
- I. Des activités spécifiques
- II. Des activités générales
- DurationHow long the company exists; usually unlimited, so until it is dissolved.
- Unlimited
- Name clauseThe name the company operates under according to its articles.
- StudyLabs
- Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
- “Région wallonne, simple décision de l'organe d'administration” (deed in French)
Who represents it, and how
- Who signsWho may bind the company towards others, for example by signing a contract.
- “Article 16. Représentation Chaque administrateur représente la société à l'égard des tiers et en justice, soit en demandant, soit en…”
- Board ruleHow the board is made up, meets and takes decisions.
- “Nommés avec ou sans limitation de durée, un ou plusieurs administrateurs, personnes physiques ou morales, actionnaires ou non” (deed in French)“Tous les actes nécessaires ou utiles à l’accomplissement de l’objet, sous réserve de ceux que la loi et les statuts réservent à l’assemblée…” (deed in French)1 more provision on this in the deed
Capital, shares and profit
- Kind of sharesWhich classes of shares exist and what rights each class carries.
- One provision in the deed
Meetings and financial year
- Annual meetingWhen the shareholders meet each year, among other things to approve the annual accounts.
- Last Monday of February at 18:30