De Fotostudio
ActiveSummary
De Fotostudio has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €54k and a net result of €15k. Equity is growing by ~30.9% per year across the filed fiscal years. Its solvency ranks better than 57% of 3480 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
85
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability89=
Solvency82▲+6
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity ample (current ratio 2.01 against 1.91 in 2024; short-term debt: 41.3% and cash: 30.9% of total assets), and 42.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 74
Relative position
BE, all sectors
reference
Sector 74
lower
← fewer bankruptcies
more bankruptcies →
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
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 28-10-2025, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2024
2 d early
2023
20 d late
2022
12 d late
2021
15 d late
2020
12 d late
2019
on the day
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close24-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€54k▲ 38.4%
2024 · €39k
2019: €37k
2020: €14k
2021: €1k
2022: €4k
2023: €27k
2024: €39k
2019 → 2025
Total assets
€95k▲ 23.5%
2024 · €77k
2019: €102k
2020: €63k
2021: €55k
2022: €79k
2023: €90k
2024: €77k
2019 → 2025
Net result
€15k▲ 21.0%
2024 · €12k
2019: €25k
2020: €6k
2021: €-13k
2022: €2k
2023: €23k
2024: €12k
2019 → 2025
Working capital
€40k▲ 34.6%
2024 · €29k
2019: €12k
2020: €-4k
2021: €-3k
2022: €-11k
2023: €14k
2024: €29k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1k-€4k▲ 169%€27k▲ 577%€39k▲ 46.4%€54k▲ 38.4%
Operating result€-12k-€3k€32k▲ 846%€22k▼ 32.5%€30k▲ 35.2%
Net result€-13k-€2k€23k▲ 818%€12k▼ 45.5%€15k▲ 21.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 35% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €95k
Fixed assets
€16k ▲ 6.1%
Current assets
€79k ▲ 27.9%
Equity and liabilities €95k
Equity
€54k ▲ 38.4%
Debt
€41k ▲ 8.0%
Debt's share of the balance-sheet total falls from 48.9% to 42.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€39k▲
2024 · €29k
Cash flow
€25k▲
2024 · €20k
Current ratio
2.01▲
2024 · 1.91
Quick ratio
1.32▲
2024 · 0.94
Debt to equity
0.75▼
2024 · 0.96
ROE
27.7%▼
2024 · 31.7%
ROA
15.9%▼
2024 · 16.2%
Interest coverage
13.96▼
2024 · 93.22
Debt ≤ 1 year
€39k▲
2024 · €32k
Debt > 1 year
€1k▼
2024 · €5k
Income taxes
€12k▲
2024 · €9k
Staff costs
€54k▲
2024 · €43k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 50 lines
Balance sheet
Code20242025
Assets
Total assets20/58€77k€95k▲
Fixed assets21/28€15k€16k▲
Tangible fixed assets22/27€15k€16k▲
Plant, machinery and equipment23€1k€9k▲
Furniture and vehicles24€11k€6k▼
Other tangible fixed assets26€4k€803▼
Current assets29/58€62k€79k▲
Stocks and contracts in progress3€31k€27k▼
Stocks30/36€31k€27k▼
Amounts receivable within one year40/41€9k€22k▲
Trade receivables40€6k€2k▼
Other amounts receivable41€3k€20k▲
Cash at bank and in hand54/58€21k€29k▲
Deferred charges and accrued income490/1€786€0▼
Equity and liabilities
Total equity and liabilities10/49€77k€95k▲
Equity10/15€39k€54k▲
Contributions10/11€6k€6k=
Reserves13€14k€29k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€12k€27k▲
Profit (loss) carried forward14€19k€19k▲
Amounts payable17/49€38k€41k▲
Amounts payable after more than one year17€5k€1k▼
Financial debts170/4€5k€1k▼
Amounts payable within one year42/48€32k€39k▲
Current portion of amounts payable after more than one year42€4k€4k▲
Trade debts44€3k€1k▼
Suppliers440/4€3k€1k▼
Taxes, remuneration and social security45€26k€34k▲
Taxes450/3€20k€24k▲
Remuneration and social security454/9€5k€10k▲
Other amounts payable47/48€0-
Income statement
Code20242025
Remuneration, social security and pensions62€43k€54k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€10k▲
Other operating charges640/8€4k€3k▼
Gross operating margin9900€76k€97k▲
Operating profit (loss)9901€22k€30k▲
Financial income75/76B€85€772▲
Recurring financial income75€85€772▲
Financial charges65/66B€314€3k▲
Recurring financial charges65€314€3k▲
Profit (loss) for the period before taxes9903€22k€28k▲
Income taxes67/77€9k€12k▲
Profit (loss) for the period9904€12k€15k▲
Profit (loss) for the period to be appropriated9905€12k€15k▲
Appropriation of the result
Profit (loss) to be appropriated9906€31k€34k▲
Profit (loss) brought forward from the previous period14P€19k€19k=
Transfer to equity691/2€12k€15k▲
To other reserves6921€12k€15k▲
The notes to these accounts (9 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
2025
28-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
29-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
20-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 20 days late
2022
12-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 12 days late
31-03
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
2021
15-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 15 days late
31-03
Financial
Weakest financial yearnet €-13k ▼308%
Net result drops to €-13k, the lowest in the series; recovery starts the following year.
2020
12-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 12 days late
2019
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
09-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 9 days late
2017
25-11
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 25 days late
2016
18-11
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 18 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Leuven · 1 establishment unit since 1999
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.
Leopold Vanderkelenstraat 73000 LeuvenGround area
207 m²
Building footprint
204 m²
Volume, LiDAR
2,606 m³
Parcel 24502B0686/00K000, Flanders · tallest building 18.8 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
DE FOTOSTUDIO
since 19992.091.148.170
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24502B0686/00K000 | Flanders | 207 m² | 1 · 204 m² | 18.8 m · 5 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
EM7
BE 0888.203.858
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MARVI
BE 0896.196.262
Namur · Eq €54,635
EKINSOL
BE 0740.479.291
Zedelgem · Eq €54,684
ATELIER D'ARCHITECTURE DEBRAY - ARCHITECTUUR ATELIER DEBRAY
BE 0453.527.656
Grez-Doiceau · Eq €54,294
CREAJARDIN
BE 0864.919.702
Brussel · Eq €54,025
Of 14,143 companies in sector 74201 we hold annual accounts for 2,612. 2,081 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-04-1999
Fiscal year end31-03
Activities, NACEBEL 2025
47782Retail trade
74201Photography, excluding press photography
47742Retail sale of prescription glasses, lenses and sunglasses
47789Other retail sale of new goods
74209Other photographic activities
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.