An image-forming method, containing the steps of: superposing a heat-sensitive transfer sheet on a heat-sensitive transfer image-receiving sheet so that the following at least one receptor layer of the heat-sensitive transfer image-receiving sheet can be contacted with the following thermal transfer layer of the heat-sensitive transfer sheet; and providing thermal energy in accordance with image signals, thereby to form a thermal transfer image; in which the heat-sensitive transfer image-receiving sheet comprises, on a support, at least one receptor layer containing a polymer latex, and at least one heat insulation layer containing hollow polymer particles but free of any resins having poor resistance to an organic solvent except for the hollow polymer particles, and the heat-sensitive transfer sheet comprises, on a support, a thermal transfer layer containing at least any one of a compound represented by formula (Y), a compound represented by formula (M) and a compound represented by formula (C): in which, in formulas (Y), (M) and (C), X, Y and Z each independently represents ═C(D13)- or a nitrogen atom, and D1 to D23 each independently represent a hydrogen atom or a substituent, such as an alkyl group.