Result
€40,798 €40,798
Back in profit in 2025, after a loss of €338,441 in 2024.
BAUMA-STONE
Lifetime
20 annual accounts with figures on one time axis, 30 filings since 1996peak €17.9m (2021)
€11.5m▲ 1.6%
lowest -€720,434 (2023)
€40,798▲ €379,239
peak €4.9m (2022)
€3.8m▲ 0.5%
€6.1m▲ 22.4%
peak 30.6 FTE (2012)
12.9 FTE▲ 15.2%
Board3 names since 2020
-
Owners
Documentsfilings and deeds
07-07-202624 days before the deadline
2025financial year
Back to profit: €40,798Staff from 11.2 FTE to 12.9 FTEDebts from €5.0m to €6.1mCash from €163,016 to €372,892
Key points
from the 2025 annual accountsDebts
€6.1m ▲ 22.4%
Debts rose by €1.1m in 2025.
Investments
€128,082 0.3 × depreciation
Green is investment, beige is depreciation.
Staff
12.9 FTE from 30.6 in 2012
Between 2012 and 2025, 58% of the full-time equivalents disappeared.
Payment terms
57 days to suppliers
BAUMA-STONE pays its suppliers 22 days later than in 2024. Customers pay 8 days later.
Filings
30 annual accounts since 1996
The last five annual accounts were filed 6 to 28 days before the end of the period.
Checked score
83
Excellent
Financially stronger than 37% of small companies in wholesale trade (NACE 46)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.3% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 4,374 companies (NACE 46, small).
About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.4%
01-2025: 0.4%● unchanged vs 12-2024
02-2025: 0.4%● unchanged vs 01-2025
03-2025: 0.4%● unchanged vs 02-2025
04-2025: 0.4%● unchanged vs 03-2025
05-2025: 0.4%● unchanged vs 04-2025
06-2025: 0.4%● unchanged vs 05-2025
07-2025: 0.5%▲ +0.1 percentage points vs 06-2025highest value
08-2025: 0.4%▼ -0.1 percentage points vs 07-2025
09-2025: 0.4%● unchanged vs 08-2025
10-2025: 0.4%● unchanged vs 09-2025
11-2025: 0.4%● unchanged vs 10-2025
12-2025: 0.4%● unchanged vs 11-2025
01-2026: 0.4%● unchanged vs 12-2025
02-2026: 0.4%● unchanged vs 01-2026
03-2026: 0.4%● unchanged vs 02-2026
04-2026: 0.4%● unchanged vs 03-2026
05-2026: 0.4%● unchanged vs 04-2026
06-2026: 0.4%● unchanged vs 05-2026
07-2026: 0.4%● unchanged vs 06-2026
08-2026: 0.3%▼ -0.1 percentage points vs 07-2026lowest value
09-2026: 0.3%● unchanged vs 08-2026
10-2026: 0.3%● unchanged vs 09-2026
11-2026: 0.3%● unchanged vs 10-2026
Financial strengthAverage
Score breakdown
raises risk
Liquidity: current ratio 1.52, cash €372,892
Size: turnover €11.5m, 12.9 FTE, total assets €9.9m
lowers risk
Founded in 1995
Legal form: public limited company
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 46, small). It does better than 45% of them on solvency, 24% on liquidity, 35% on profitability and 45% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 14,766 companies had the same profile as BAUMA-STONE has now. Each dot stands for 37 companies, two years later.
96.2%
were still trading
3.5%
stopped another way
0.2%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of BAUMA-STONE itself: 0.3% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 14,766 companies, not a prediction for BAUMA-STONE. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €310,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 1.52 (1.68 in 2024), above the usual 1.5. Short-term debt is 54.9% and cash 3.8% of total assets. However, 61.6% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
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 07-07-2026, 24 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
24 days early
2024
6 days early
2023
14 days early
2022
28 days early
2021
24 days early
2020
24 days early
2019
24 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 21 days before the deadline. In the sector (NACE 46), the median for financial year 2024 was 3 days before the deadline, and 39% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 7 July (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0456409546
1 statutory auditor appointed
BDO Réviseurs d'Entreprises Soc. SCRL (statutory auditor) · Permanent representatives: Christian Schmetz and Horst COHNEN · General meeting of 29-06-2023 · Gazette deed
1 statutory auditor appointed
BDO Réviseurs d'Entreprises Soc. SCRL (statutory auditor) · Permanent representatives: Christian Schmetz and Horst COHNEN · General meeting of 25-06-2020 · Gazette deed
1 director resigning
Change of role: BAUMA HC, from director to sole director · Resignation: Horst COHNEN · Permanent representative: Horst COHNEN · General meeting of 10-09-2020 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| BAUMA-STONE Oupeye | €11.5m | 2.9% | 38.4% | 12.9 |
| RB-ISOL Malle | €10.9m | 8.9% | 78.7% | 11.6 |
| HEYLEN Antwerp | €13.7m | 15.3% | 63.7% | 9.9 |
| RI.PA. BELGIUM Laarne | €11.6m | -3.8% | 41.1% | 18.8 |
| GI-BO-MA Malmedy | €17.9m | 2.5% | 42.7% | 16.4 |
| MATEGRO Herstal | €13.9m | 2.2% | 69.0% | 10.6 |
| PLASTIEK HOFSTADE Aalst | €12.3m | 9.3% | 71.7% | 17.6 |
Grey: the largest companies of the sector (wholesale trade (NACE 46)), without their names. Blue: the sector peers from the table.
These companies have the same main activity as BAUMA-STONE: wholesale of construction materials, general range (NACE 46831). They are comparable in size and age: total assets between €7m and €11m, founded between 1982 and 1999.
Official details
Source: KBO- Status
- Active since 10-11-1995Normal situation
- Activity
- Wholesale of construction materials, general rangeNACE 46831and 5 others
- Joint committee
- 124Construction · annual accounts 2025
- Establishment unit
- 2.236.552.5564681 Oupeye, since 01-03-2014
- Financial year end
- 31 December
- Peppol
- Reachable since 11-09-2025
Annual accounts 2025
- €9.9m▲ 13.0%
- Employeeson 31-12-2025
- 13=
- Filing
- Filed on 07-07-2026, 24 days before the end of the filing period
Insights on BAUMA-STONE
BAUMA-STONE has been active since 1995 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3.8m and a net result of €40,798, with €115,794 of non-recurring income.
Equity has been stable since 2018 (±1.3% per year). Its solvency ranks better than 42% of 6,192 sector peers (NACE 46, financial year 2025).
The computed 12-month bankruptcy probability is 0.3% (very low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about BAUMA-STONE
- What is the company number of BAUMA-STONE?
- The company number of BAUMA-STONE is 0456.409.546. The VAT number is the same number with BE in front: BE 0456.409.546.
- Where is BAUMA-STONE based?
- The registered office is at Rue Voie de Liège 20, 4681 Oupeye.Company details
- What does BAUMA-STONE do?
- According to the KBO register, the main activity is wholesale of construction materials, general range (NACE 46831).
- What is the legal form of BAUMA-STONE?
- BAUMA-STONE is a public limited company (NV).
- When was BAUMA-STONE founded?
- BAUMA-STONE was founded on 10-11-1995.
- Is BAUMA-STONE still active?
- Yes, BAUMA-STONE is an active enterprise in the KBO register.
- How many employees does BAUMA-STONE have?
- BAUMA-STONE had an average of 12.9 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does BAUMA-STONE fall under?
- In its 2025 annual accounts, BAUMA-STONE states joint committee 124 (Construction).
- What is the turnover of BAUMA-STONE?
- The turnover of BAUMA-STONE was €11.5m in financial year 2025, according to the filed annual accounts.
- Is BAUMA-STONE profitable?
- In financial year 2025, BAUMA-STONE made a profit of €40,798.
- Where can I find the annual accounts of BAUMA-STONE?
- BAUMA-STONE filed 30 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of BAUMA-STONE due?
- BAUMA-STONE must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence See whether the workforce is growing and whether people stay.Employer check Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check See the other companies in the same group.BAUMA HC · 9 companies
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