Art & Stone
ActiveArt & Stone has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €41k and a net result of €15k. Equity is growing by ~12.6% per year across the filed fiscal years. Its solvency ranks better than 15% of 7692 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
47
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability50▼-22
Solvency39▲+10
Growth52=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity tight (current ratio 1.07 against 1.0 in 2024; short-term debt: 83.8% and cash: 2.1% of total assets), and 85.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
14.1%
Return on assets
5.2%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 7692 sector peers (2025).
NBB · sector comparisonPosition among 7692 sector peers
Solvency
better than 15%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
29 d late
2023
104 d late
2022
31 d late
2021
78 d late
2020
31 d late
2019
15 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€41k▲ 57.9%
2024 · €26k
2018: €14k
2019: €17k
2020: €6k
2021: €30k
2022: €22k
2023: €8k
2024: €26k
2018 → 2025
Total assets
€289k▼ 57.2%
2024 · €675k
2018: €125k
2019: €150k
2020: €126k
2021: €827k
2022: €937k
2023: €1.30M
2024: €675k
2018 → 2025
Net result
€15k▼ 13.8%
2024 · €17k
2018: €24k
2019: €3k
2020: €-10k
2021: €24k
2022: €-7k
2023: €-14k
2024: €17k
2018 → 2025
Working capital
€18k▲ 472%
2024 · €3k
2018: €17k
2019: €23k
2020: €13k
2021: €-644k
2022: €-645k
2023: €-664k
2024: €3k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€30k-€22k▼ 24.2%€8k▼ 62.5%€26k▲ 204%€41k▲ 57.9%
Operating result€-16k-€-7k▲ 58.0%€-14k▼ 103%€18k€15k▼ 14.2%
Net result€24k-€-7k€-14k▼ 95.5%€17k€15k▼ 13.8%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 14% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €289k
Fixed assets
€29k=
Current assets
€260k▼ 59.8%
Equity and liabilities €289k
Equity
€41k▲ 57.9%
Provisions
€6k=
Debt
€242k▼ 62.4%
The debt ratio falls from 95.3% to 83.8%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
14.1%▲
2024 · 3.8%
Current ratio
1.07▲
2024 · 1.00
Quick ratio
1.07▲
2024 · 1.00
Debt / equity
5.96▼
2024 · 25.01
ROE
36.7%▼
2024 · 67.1%
ROA
5.2%▲
2024 · 2.6%
Debt
€242k▼
2024 · €643k
Debt ≤ 1 year
€242k▼
2024 · €643k
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€675k€289k▼
Fixed assets21/28€29k€29k=
Financial fixed assets28€29k€29k=
Current assets29/58€646k€260k▼
Amounts receivable within one year40/41€637k€254k▼
Trade receivables40€28k€53k▲
Other amounts receivable41€608k€201k▼
Current investments50/53€2€4▲
Cash at bank and in hand54/58€9k€6k▼
Equity and liabilities
Total equity and liabilities10/49€675k€289k▼
Equity10/15€26k€41k▲
Contributions10/11€20k€20k=
Profit (loss) carried forward14€5k€20k▲
Provisions and deferred taxes16€6k€6k=
Provisions for liabilities and charges160/5€6k€6k=
Major repairs and maintenance162€6k€6k=
Amounts payable17/49€643k€242k▼
Amounts payable within one year42/48€643k€242k▼
Trade debts44€6k€5k▼
Suppliers440/4€6k€5k▼
Other amounts payable47/48€637k€237k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€368-
Other operating charges640/8€2k€120▼
Gross operating margin9900€20k€15k▼
Operating profit (loss)9901€18k€15k▼
Financial income75/76B€8€2▼
Recurring financial income75€8€2▼
Financial charges65/66B€368€232▼
Recurring financial charges65€368€232▼
Profit (loss) for the period before taxes9903€17k€15k▼
Profit (loss) for the period9904€17k€15k▼
Profit (loss) for the period to be appropriated9905€17k€15k▼
Appropriation of the result
Profit (loss) to be appropriated9906€5k€20k▲
Profit (loss) brought forward from the previous period14P€-12k€5k▲
The notes to these accounts (4 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 29 days late
2024
31-12
Financial
Back to profitnet €17k
Net result €17k after 2 loss-making years.
31-12
Financial
Liquidity doublescurrent ratio 1.00
Current ratio from 0.48 to 1.00; short-term debt falls from €1.29M to €643k.
12-11
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 104 days late
2023
31-12
Financial
Weakest financial yearnet €-14k
Net result drops to €-14k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 31 days late
2022
17-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 78 days late
2021
31-12
Financial
Back to profitnet €24k
Net result €24k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
16-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
19-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 19 days late
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
11-07
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
1 act for this company is 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, Antwerpen · 1 establishment unit since 2006
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.
Dennenlaan 242610 AntwerpenGround area
190 m²
Building footprint
122 m²
Volume, LiDAR
897 m³
Parcel 11051B0095/00V000, Flanders · tallest building 10.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
ART & STONE
since 20062.151.858.292
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11051B0095/00V000 | Flanders | 190 m² | 1 · 122 m² | 10.8 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Similar companies · same sector, comparable size
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CRV CONCEPT
BE 0779.321.358
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GYPROJECT
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PINGU CONSTRUCT
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Of 15,542 companies in sector 43990 we hold annual accounts for 7,421. 5,949 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded27-01-2006
Fiscal year end31-12
Activities, NACEBEL
43990Other specialised construction activities
43999Specialised construction activities
45250
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.