studio ratio
Activestudio ratio has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €326k and a net result of €40k. Equity is growing by ~5.3% per year across the filed fiscal years. Its solvency ranks better than 95% of 31523 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
90
/ 100
Excellent▼ -10 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability62▼-20
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 81.06 against 35.51 in 2024), and 1.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
98.4%
Return on assets
12.1%
Age of the figures
11 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
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 26-02-2026, 63 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
63 d early
2024
41 d early
2023
39 d early
2022
38 d early
2021
43 d early
2020
37 d early
2019
13 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
15-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€326k▼ 0.9%
2024 · €329k
2018: €217k
2019: €228k
2020: €293k
2021: €334k
2022: €289k
2023: €304k
2024: €329k
2018 → 2025
Total assets
€331k▼ 2.2%
2024 · €339k
2018: €368k
2019: €248k
2020: €314k
2021: €340k
2022: €297k
2023: €314k
2024: €339k
2018 → 2025
Net result
€40k▼ 25.7%
2024 · €54k
2018: €30k
2019: €43k
2020: €65k
2021: €71k
2022: €36k
2023: €39k
2024: €54k
2018 → 2025
Working capital
€270k=
2024 · €270k
2018: €262k
2019: €148k
2020: €216k
2021: €225k
2022: €195k
2023: €218k
2024: €270k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€334k-€289k▼ 13.4%€304k▲ 5.3%€329k▲ 8.0%€326k▼ 0.9%
Operating result€104k-€56k▼ 45.9%€58k▲ 3.1%€80k▲ 37.3%€57k▼ 28.7%
Net result€71k-€36k▼ 49.2%€39k▲ 8.5%€54k▲ 38.0%€40k▼ 25.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 29% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €331k
Fixed assets
€57k▼ 4.8%
Current assets
€274k▼ 1.6%
Equity and liabilities €331k
Equity
€326k▼ 0.9%
Debt
€5k▼ 45.0%
The debt ratio falls from 2.9% to 1.6%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€67k▼
2024 · €89k
Cash flow
€50k▼
2024 · €63k
Solvency
98.4%▲
2024 · 97.1%
Current ratio
81.06▲
2024 · 35.51
Quick ratio
81.06▲
2024 · 35.51
Debt / equity
0.02▼
2024 · 0.03
ROE
12.3%▼
2024 · 16.4%
ROA
12.1%▼
2024 · 15.9%
Interest coverage
870.33▲
2024 · 107.91
Debt
€5k▼
2024 · €10k
Debt ≤ 1 year
€3k▼
2024 · €8k
Income taxes
€21k▼
2024 · €27k
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€339k€331k▼
Fixed assets21/28€60k€57k▼
Tangible fixed assets22/27€60k€57k▼
Land and buildings22€51k€45k▼
Plant, machinery and equipment23€7k€6k▼
Furniture and vehicles24€3k€6k▲
Financial fixed assets28€110€110=
Current assets29/58€278k€274k▼
Amounts receivable within one year40/41€16k€23k▲
Trade receivables40€14k€13k▼
Other amounts receivable41€2k€10k▲
Current investments50/53€147k€147k=
Cash at bank and in hand54/58€115k€103k▼
Deferred charges and accrued income490/1€720€757▲
Equity and liabilities
Total equity and liabilities10/49€339k€331k▼
Equity10/15€329k€326k▼
Contributions10/11€19k€19k=
Reserves13€310k€307k▼
Distributable reserves133€310k€307k▼
Amounts payable17/49€10k€5k▼
Amounts payable within one year42/48€8k€3k▼
Trade debts44€7k€3k▼
Suppliers440/4€7k€3k▼
Taxes, remuneration and social security45€184€848▲
Taxes450/3€184€848▲
Other amounts payable47/48€889-
Accrued charges and deferred income492/3€2k€2k▲
Income statement
Code20242025
Non-recurring operating income76A€2k€85▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€10k▲
Other operating charges640/8€998€1k▲
Non-recurring operating charges66A€22-
Gross operating margin9900€90k€68k▼
Operating profit (loss)9901€80k€57k▼
Financial income75/76B€2k€4k▲
Recurring financial income75€2k€4k▲
Financial charges65/66B€824€76▼
Recurring financial charges65€824€76▼
Profit (loss) for the period before taxes9903€81k€61k▼
Income taxes67/77€27k€21k▼
Profit (loss) for the period9904€54k€40k▼
Profit (loss) for the period to be appropriated9905€54k€40k▼
Appropriation of the result
Profit (loss) to be appropriated9906€54k€40k▼
Transfer from equity791/2€30k€43k▲
Transfer to equity691/2€54k€40k▼
To other reserves6921€54k€40k▼
Profit to be distributed694/7€30k€43k▲
Return on contributions (dividend)694€30k€43k▲
The notes to these accounts (6 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
26-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Liquidity doublescurrent ratio 81.06
Current ratio from 35.51 to 81.06; short-term debt falls from €8k to €3k.
20-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
22-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
23-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
18-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Highest result since 2018net €71k ▲9.3%
Operating result €104k, net result €71k, both a record.
30-09
Financial
Liquidity quadruplescurrent ratio 54.98
Current ratio from 12.31 to 54.98; short-term debt falls from €19k to €4k.
24-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
17-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
29-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
03-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 3 days late
2017
27-04
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
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, Gent · 1 establishment unit since 2011
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.
Burggravenlaan 2929000 GentGround area
177 m²
Building footprint
108 m²
Volume, LiDAR
745 m³
Parcel 44808H0209/00L002, Flanders · tallest building 11.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
studio ratio
since 20112.197.418.105
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44808H0209/00L002 | Flanders | 177 m² | 1 · 108 m² | 11.8 m · 3 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.
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TE-MEA
BE 0835.265.812
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ACE-Consult
BE 0665.737.130
Oostkamp · Eq €326k
DIJCKSCHAU
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Deinze · Eq €326k
Of 82,215 companies in sector 70200 we hold annual accounts for 52,392. 37,529 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-03-2011
Fiscal year end30-09
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
68110Buying and selling of own real estate
70210Activities of head offices; management consultancy activities
71111Activities of building architects
73110Advertising agencies
73300Public relations and communication consultancy
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.