Equity
Debts exceed assets in financial year 2025.
Debts exceed assets in financial year 2025.
Lower solvency than 95% of companies in computer programming and consultancy. Sector median 60.0% · 21,208 companies.
Negative equity caps the score at 59.
The dashed line is the sector median: 0.1% across 25,932 companies (NACE 62, micro).
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
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 3% of them on solvency, 27% on liquidity and 5% on profitability.
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 31-12-2025.
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).
In July 2024, 1,322 companies had the same profile as UtopyStudio has now. Each dot stands for 4 companies, two years later.
The bankruptcy probability of UtopyStudio itself is lower: 0.2% within 12 months. It rests on far more data about UtopyStudio than the profile alone.
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 1,322 companies, not a prediction for UtopyStudio. 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.
The balance sheet total is too small for a liquidity verdict. Equity is negative.
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.
| Company | ||||
|---|---|---|---|---|
| UtopyStudio Woluwe-Saint-Lambert | €626 | -€2,338 | -306.4% | - |
| PEEKOOTEK Saint-Josse-ten-Noode | €614 | -€5,467 | -568.8% | - |
| Gikaizen Ixelles | €759 | -€13,168 | -1346.3% | - |
| ReflexIT Saint-Josse-ten-Noode | €508 | -€3,401 | -649.8% | - |
| CLOUDAMIGOS Bilzen-Hoeselt | €770 | -€4,774 | 31.3% | - |
| SYNAPSE MANAGEMENT GROUP Vilvoorde | €641 | -€4,507 | -393.8% | - |
| HRMNS Maasmechelen | €615 | -€8,586 | -190.8% | - |
These companies have the same main activity as UtopyStudio: computer consultancy and computer facilities management (NACE 62200). They are comparable in size and age: total assets between €508 and €770, founded between 2023 and 2025.
UtopyStudio has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€1,919) and a net result of -€2,419.
Its solvency ranks better than 5% of 21,208 sector peers (NACE 62, financial year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Turnover and EBIT margin are not published. The micro format does not require them.
| Line | Trend | 2025 |
|---|---|---|
| Balance sheet: assets | ||
20/58 |
626 | |
29/58 |
626 | |
40/41 |
103 | |
41 |
103 | |
54/58 |
524 | |
| Balance sheet: equity and liabilities | ||
10/49 |
626 | |
10/15 |
-1,919 | |
10/11 |
500 | |
14 |
-2,419 | |
17/49 |
2,545 | |
42/48 |
2,545 | |
44 |
45 | |
440/4 |
45 | |
47/48 |
2,500 | |
| Income statement | ||
9900 |
-2,338 | |
9901 |
-2,338 | |
65/66B |
81 | |
65 |
81 | |
9903 |
-2,419 | |
9904 |
-2,419 | |
9905 |
-2,419 | |
| Appropriation of the result | ||
9906 |
-2,419 | |
| Document | ||
The notes to these accounts have 1 item. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 29-06-2026.
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 29-06-2026 | 2026-00226160 |
| Line | Trend | 2025 |
|---|---|---|
| -1,919 |
The ratios are withheld because a balance sheet total of €626 is too small for a meaningful ratio.
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.
Equity is negative. Debt (€2,545) exceeds the balance-sheet total (€626).
UtopyStudio has no parent and no holdings in its annual accounts.
| MARAMO
establishment since 01-04-1994 · founded in 1994 |
total assets €2.2m (2025) 0452.338.912 |
| DOCTEUR PIERRE MONTIGNY RADIOLOGUE
establishment since 27-01-2017 · founded in 2017 |
total assets €1.3m (2025) 0670.490.229 |
| FLOCANE
registered office since 01-07-2016 · founded in 1998 |
total assets €856,154 (2025) 0463.529.940 |
| REDPULSAR
registered office since 08-12-2016 · founded in 2016 |
total assets €680,132 (2025) 0667.566.470 |
| INBOUND
registered office since 18-07-2016 · founded in 2016 · accounts filed late |
total assets €410,122 (2025) 0659.740.748 |
| ADO SRL
registered office since 06-02-2025 · founded in 2025 |
total assets €216,823 (2025) 1019.683.695 |
| Dr AS Petit
establishment since 18-07-2022 · founded in 2022 |
total assets €162,953 (2025) 0788.699.080 |
| Utopian IT
registered office since 21-12-2017 · founded in 2017 |
total assets €106,670 (2025) 0686.727.732 |
| DENTABAAK
registered office since 31-10-2024 · founded in 2024 |
total assets €102,722 (2025) 1015.800.331 |
| Ovisi Dental
registered office since 09-01-2025 · founded in 2025 |
total assets €97,767 (2025) 1018.506.136 |
The connected companies are in the list below.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
| Establishment | Since | Unit number |
|---|---|---|
| Marcel Thirylaan 216 registered office 1200 Woluwe-Saint-Lambert | 11-12-2024 | 2.367.949.350 |
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 21018A0008/00M000 | 5,504 m² | 1 · 1,441 m² | 29.6 m · 9 |
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