STUDENTCOMFORT
ActiveSummary
STUDENTCOMFORT has been active since 1992 and the Belgian State Gazette contains no insolvency signals. The CBE does carry 2 administrative register entries (see administrative flags). The 2025 annual accounts show equity of €85.50M and a net result of €3.72M. Equity remains stable across the filed fiscal years (±0.5% per year). Its solvency ranks better than 51% of 9194 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
56
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability42=
Solvency57▼-2
Growth78▲+26
Track record84
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2M at 30 days acceptable
Liquidity short (current ratio 0.19 against 0.15 in 2024; short-term debt: 40.8% and cash: 0.2% of total assets), and 67.7% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Nine 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 68
Relative position
BE, all sectors
reference
Sector 68
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
32.3%
Return on assets
1.4%
Age of the figures
18 mo
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 31-10-2025, 0 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
on the day
2024
53 d late
2022
4 d early
2021
on the day
2020
13 d early
2019
on the day
2018
1 d late
← before the deadline
after the deadline →
raises risk · Administrative warnings in the KBO publications
2 publications by the FPS Economy about this company, such as a strike-off for address, accounts or UBO, or their withdrawal.
KBO publicationsPublications
Address struckAddress strikeout annulled
Checked, nothing found (1)
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, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€3.72M
2024 · €-528k
2019: €-355k
2020: €-139k
2021: €15.09M
2022: €1.64M
2024: €-528k
2019 → 2025
Working capital
€-87.39M▼ 6.9%
2024 · €-81.75M
2019: €-100.03M
2020: €-104.63M
2021: €-84.45M
2022: €-84.65M
2024: €-81.75M
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220242025Trend
Equity€85.38M-€90.19M▲ 5.6%€90.27M▲ 0.1%€87.05M▼ 3.6%€85.50M▼ 1.8%
Operating result€1.85M-€22.21M▲ 1,103%€4.13M▼ 81.4%€4.27M▲ 3.4%€9.95M▲ 133%
Net result€-139k-€15.09M€1.64M▼ 89.1%€-528k€3.72M
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 133% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €264.91M
Fixed assets
€244.10M ▲ 2.5%
Current assets
€20.81M ▲ 44.7%
Equity and liabilities €264.91M
Equity
€85.50M ▼ 1.8%
Provisions
€7.50M ▲ 13.9%
Debt
€171.91M ▲ 8.2%
Debt's share of the balance-sheet total rises from 62.9% to 64.9%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€15.09M▲
2024 · €13.10M
Cash flow
€8.86M▲
2024 · €8.31M
Current ratio
0.19▲
2024 · 0.15
Quick ratio
0.04▲
2024 · 0.02
Debt to equity
2.01▲
2024 · 1.82
ROE
4.3%▲
2024 · -0.6%
ROA
1.4%▲
2024 · -0.2%
Interest coverage
2.58▼
2024 · 2.80
Debt ≤ 1 year
€108.20M▲
2024 · €96.13M
Debt > 1 year
€63.55M▲
2024 · €61.55M
Income taxes
€305▼
2024 · €428k
Staff costs
€335k▲
2024 · €298k
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 · 71 lines
Balance sheet
Code20242025
Assets
Total assets20/58€252.47M€264.91M▲
Fixed assets21/28€238.09M€244.10M▲
Intangible fixed assets21€2.24M€2.24M=
Tangible fixed assets22/27€215.28M€218.90M▲
Land and buildings22€213.43M€217.07M▲
Furniture and vehicles24€12k€58k▲
Leasing and similar rights25€1.84M€1.77M▼
Financial fixed assets28€20.57M€22.96M▲
Current assets29/58€14.38M€20.81M▲
Stocks and contracts in progress3€12.46M€16.62M▲
Stocks30/36€12.46M€16.62M▲
Amounts receivable within one year40/41€1.82M€3.72M▲
Trade receivables40€1.30M€786k▼
Other amounts receivable41€524k€2.93M▲
Current investments50/53€814€814=
Cash at bank and in hand54/58€104k€428k▲
Deferred charges and accrued income490/1€74€40k▲
Equity and liabilities
Total equity and liabilities10/49€252.47M€264.91M▲
Equity10/15€87.05M€85.50M▼
Contributions10/11€550k€550k=
Capital10€550k€550k=
Issued capital100€550k€550k=
Revaluation surpluses12€70.30M€65.03M▼
Reserves13€18.75M€21.53M▲
Non-distributable reserves130/1€12k€12k=
Legal reserve130€12k€12k=
Tax-exempt reserves132€18.73M€21.51M▲
Distributable reserves133€8k€8k=
Profit (loss) carried forward14€-2.55M€-1.61M▲
Provisions and deferred taxes16€6.59M€7.50M▲
Provisions for liabilities and charges160/5€10k€10k=
Environmental obligations163€10k€10k=
Deferred taxes168€6.58M€7.49M▲
Amounts payable17/49€158.83M€171.91M▲
Amounts payable after more than one year17€61.55M€63.55M▲
Financial debts170/4€61.55M€63.55M▲
Amounts payable within one year42/48€96.13M€108.20M▲
Current portion of amounts payable after more than one year42€6.68M€2.52M▼
Financial debts43€61.05M€73.66M▲
Credit institutions430/8€61.05M€73.66M▲
Trade debts44€1.48M€2.61M▲
Suppliers440/4€1.48M€2.61M▲
Advances received on contracts in progress46€451k€1.57M▲
Taxes, remuneration and social security45€146k€241k▲
Taxes450/3€132k€148k▲
Remuneration and social security454/9€14k€92k▲
Other amounts payable47/48€26.32M€27.60M▲
Accrued charges and deferred income492/3€1.15M€160k▼
Income statement
Code20242025
Non-recurring operating income76A€8k€30k▲
Remuneration, social security and pensions62€298k€335k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8.83M€5.14M▼
Provisions for liabilities and charges: additions (uses and reversals)635/8€10k-
Other operating charges640/8€1.60M€794k▼
Non-recurring operating charges66A€88k-
Gross operating margin9900€15.10M€16.22M▲
Operating profit (loss)9901€4.27M€9.95M▲
Financial income75/76B€280k€539k▲
Recurring financial income75€280k€539k▲
Financial charges65/66B€4.69M€5.86M▲
Recurring financial charges65€4.69M€5.86M▲
Profit (loss) for the period before taxes9903€-139k€4.63M▲
Transfer from deferred taxes780€39k€219k▲
Transfer to deferred taxes680-€1.13M
Income taxes67/77€428k€305▼
Profit (loss) for the period9904€-528k€3.72M▲
Transfer from tax-exempt reserves789€54k€624k▲
Transfer to tax-exempt reserves689-€3.40M
Profit (loss) for the period to be appropriated9905€-475k€938k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-2.55M€-1.61M▲
Profit (loss) brought forward from the previous period14P€-2.07M€-2.55M▼
Social balance
Average headcount (FTE)90876.813.2▲
The notes to these accounts (15 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
31-10
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
28-04
KBO administration
Address strikeout annulled
31-03
Financial
Back to profitnet €3.72M
Net result €3.72M after one loss-making year.
14-03
KBO administration
Address struck
Naamsestraat 111 Die Sitzadresse Naamsestraat 111 3000
Leuven · event 15-01-2025
2024
23-12
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 53 days late
31-03
Financial
Weakest financial yearnet €-528k ▼132%
Net result drops to €-528k, the lowest in the series; recovery starts the following year.
27-02
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
09-02
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2023
27-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-06
Financial
Back to profitnet €15.09M
Net result €15.09M after 2 loss-making years.
18-01
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
Show earlier events
2020
30-06
Financial
Equity above €50MEq €85.38M ▲2856%
Equity rises from €2.89M to €85.38M.
31-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
01-02
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 1 day late
2018
25-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
SignalFinancial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
10 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 · 2 establishment units since 1993
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.
Quinten Metsysplein 123000 LeuvenGround area
5,564 m²
Building footprint
556 m²
Volume, LiDAR
1,325 m³
2 parcels, Flanders · tallest building 11.9 m, ±1 floor. Linked by address, not a title deed.
2 establishment units
Establishment
since 19932.060.705.117
Quinten Metsysplein 12, 3000 Leuven
since 20182.279.489.310
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24502B0324/00S002 | Flanders | 5,098 m² | 1 · 405 m² | 10.9 m |
| 24502C0360/00K000 | Flanders | 466 m² | 1 · 151 m² | 11.9 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Legal Entity Identifier
254900UN3FDZ6DOPF917
Similar companies · same sector, comparable size
Bidfood Belgium
BE 0472.877.770
Thuin · Eq €84.69M
INCLUSIO
BE 0840.020.295
Oudergem · Eq €83.79M
Helanet
BE 0409.792.237
Antwerpen · Eq €83.67M
BELFIUS IMMO
BE 0436.006.090
Sint-Joost-ten-Node · Eq €87.99M
MARCHMAIN INVEST
BE 0458.957.775
Turnhout · Eq €81.89M
Of 9,140 companies in sector 68201 we hold annual accounts for 6,769. 366 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 formPublic limited company
Founded15-12-1992
Fiscal year end31-03
Activities, NACEBEL 2025
68201Renting and operating of own or leased residential real estate, excluding social housing
46730Wholesale trade
Sources
Crossroads Bank for EnterprisesNational Bank · 33 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.