BAUMA-STONE
ActiveSummary
BAUMA-STONE has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3.81M and a net result of €41k. Equity remains stable across the filed fiscal years (±1.4% per year). Its solvency ranks better than 42% of 4886 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability53▲+19
Solvency63▼-5
Growth33▲+1
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €230k at 30 days acceptable
Liquidity ample (current ratio 1.52 against 1.68 in 2024; short-term debt: 54.9% and cash: 3.8% of total assets), but 61.6% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
38.4%
Return on assets
0.4%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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 d early
2024
6 d early
2023
14 d early
2022
28 d early
2021
24 d early
2020
24 d early
2019
24 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€11.51M▲ 1.6%
2024 · €11.34M
2018: €11.69M
2019: €12.41M▲ +6.2% vs 2018
2020: €15.57M▲ +25.5% vs 2019
2021: €17.90M▲ +15.0% vs 2020highest in 8 years
2022: €17.12M▼ -4.4% vs 2021
2023: €12.79M▼ -25.3% vs 2022
2024: €11.34M▼ -11.4% vs 2023lowest in 8 years
2025: €11.51M▲ +1.6% vs 2024
2018 → 2025
EBIT margin
2.9%▲ 3.3pp
2024 · -0.4%
2018: 5.1%
2019: 3.4%▼ -34.1% vs 2018
2020: 3.4%▲ +1.6% vs 2019
2021: 5.9%▲ +73.5% vs 2020highest in 8 years
2022: 2.1%▼ -64.8% vs 2021
2023: -3.4%▼ -265% vs 2022lowest in 8 years
2024: -0.4%▲ +88.0% vs 2023
2025: 2.9%▲ +795% vs 2024
2018 → 2025
Net result
€41k
2024 · €-338k
2018: €354k
2019: €210k▼ -40.8% vs 2018
2020: €249k▲ +18.6% vs 2019
2021: €625k▲ +151% vs 2020highest in 8 years
2022: €84k▼ -86.5% vs 2021
2023: €-720k▼ -955% vs 2022lowest in 8 years
2024: €-338k▲ +53.0% vs 2023
2025: €41k▲ +112% vs 2024
2018 → 2025
Working capital
€2.85M▲ 2.1%
2024 · €2.79M
2018: €2.88M
2019: €3.36M▲ +16.8% vs 2018
2020: €3.26M▼ -2.9% vs 2019
2021: €3.74M▲ +14.8% vs 2020
2022: €3.83M▲ +2.4% vs 2021highest in 8 years
2023: €3.09M▼ -19.5% vs 2022
2024: €2.79M▼ -9.7% vs 2023lowest in 8 years
2025: €2.85M▲ +2.1% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€17.90M-€17.12M▼ 4.4%€12.79M▼ 25.3%€11.34M▼ 11.4%€11.51M▲ 1.6%
2021: €17.90Mhighest in 5 years
2022: €17.12M▼ -4.4% vs 2021
2023: €12.79M▼ -25.3% vs 2022
2024: €11.34M▼ -11.4% vs 2023lowest in 5 years
2025: €11.51M▲ +1.6% vs 2024
Equity€4.76M-€4.87M▲ 2.4%€4.14M▼ 15.0%€3.79M▼ 8.6%€3.81M▲ 0.5%
2021: €4.76M
2022: €4.87M▲ +2.4% vs 2021highest in 5 years
2023: €4.14M▼ -15.0% vs 2022
2024: €3.79M▼ -8.6% vs 2023lowest in 5 years
2025: €3.81M▲ +0.5% vs 2024
Operating result€1.06M-€356k▼ 66.3%€-440k€-47k▲ 89.4%€330k
2021: €1.06Mhighest in 5 years
2022: €356k▼ -66.3% vs 2021
2023: €-440k▼ -223% vs 2022lowest in 5 years
2024: €-47k▲ +89.4% vs 2023
2025: €330k▲ +806% vs 2024
Net result€625k-€84k▼ 86.5%€-720k€-338k▲ 53.0%€41k
2021: €625khighest in 5 years
2022: €84k▼ -86.5% vs 2021
2023: €-720k▼ -955% vs 2022lowest in 5 years
2024: €-338k▲ +53.0% vs 2023
2025: €41k▲ +112% vs 2024
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €330k after a loss of €47k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €9.92M
Fixed assets
€1.63M ▼ 15.2%
Current assets
€8.29M ▲ 20.9%
Equity and liabilities €9.92M
Equity
€3.81M ▲ 0.5%
Debt
€6.12M ▲ 22.4%
Debt's share of the balance-sheet total rises from 56.9% to 61.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€746k▲
2024 · €414k
Cash flow
€457k▲
2024 · €122k
Current ratio
1.52▼
2024 · 1.68
Quick ratio
0.26▼
2024 · 0.46
Debt to equity
1.61▲
2024 · 1.32
ROE
1.1%▲
2024 · -8.9%
ROA
0.4%▲
2024 · -3.9%
Interest coverage
4.40▲
2024 · 2.36
Debt ≤ 1 year
€5.45M▲
2024 · €4.07M
Debt > 1 year
€647k▼
2024 · €921k
Income taxes
€517▲
2024 · €492
Staff costs
€800k▲
2024 · €729k
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 · 74 lines
Balance sheet
Code20242025
Assets
Total assets20/58€8.78M€9.92M▲
Fixed assets21/28€1.92M€1.63M▼
Tangible fixed assets22/27€1.92M€1.63M▼
Land and buildings22€1.65M€1.40M▼
Plant, machinery and equipment23€188k€180k▼
Furniture and vehicles24€50k€33k▼
Leasing and similar rights25€29k€18k▼
Current assets29/58€6.86M€8.29M▲
Stocks and contracts in progress3€4.99M€6.86M▲
Stocks30/36€4.99M€6.86M▲
Goods purchased for resale34€4.99M€6.86M▲
Amounts receivable within one year40/41€1.68M€935k▼
Trade receivables40€641k€930k▲
Other amounts receivable41€1.04M€5k▼
Cash at bank and in hand54/58€163k€373k▲
Deferred charges and accrued income490/1€30k€127k▲
Equity and liabilities
Total equity and liabilities10/49€8.78M€9.92M▲
Equity10/15€3.79M€3.81M▲
Contributions10/11€2.50M€2.50M=
Capital10€2.50M€2.50M=
Issued capital100€2.50M€2.50M=
Reserves13€135k€137k▲
Non-distributable reserves130/1€135k€137k▲
Legal reserve130€135k€137k▲
Profit (loss) carried forward14€1.04M€1.08M▲
Investment grants15€109k€89k▼
Amounts payable17/49€5.00M€6.12M▲
Amounts payable after more than one year17€921k€647k▼
Financial debts170/4€921k€647k▼
Leasing and similar obligations172€6k-
Credit institutions173€915k€647k▼
Amounts payable within one year42/48€4.07M€5.45M▲
Current portion of amounts payable after more than one year42€357k€273k▼
Financial debts43€2.70M€3.20M▲
Credit institutions430/8€2.70M€3.20M▲
Trade debts44€968k€1.56M▲
Suppliers440/4€968k€1.56M▲
Taxes, remuneration and social security45€50k€84k▲
Taxes450/3€4k€36k▲
Remuneration and social security454/9€46k€48k▲
Other amounts payable47/48-€335k
Accrued charges and deferred income492/3-€21k
Income statement
Code20242025
Operating income70/76A€11.39M€11.66M▲
Turnover70€11.34M€11.51M▲
Other operating income74€27k€33k▲
Non-recurring operating income76A€24k€116k▲
Operating charges60/66A€11.43M€11.33M▼
Goods for resale, raw materials and consumables60€7.46M€7.22M▼
Purchases600/8€6.05M€9.10M▲
Change in stocks: decrease (increase)609€1.41M€-1.88M▼
Services and other goods61€2.68M€2.79M▲
Remuneration, social security and pensions62€729k€800k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€461k€416k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€17k€35k▲
Other operating charges640/8€80k€79k▼
Operating profit (loss)9901€-47k€330k▲
Financial income75/76B€100k€109k▲
Recurring financial income75€100k€109k▲
Income from financial fixed assets750-€16k
Other financial income752/9€100k€93k▼
Financial charges65/66B€391k€397k▲
Recurring financial charges65€391k€397k▲
Debt charges650€176k€169k▼
Other financial charges652/9€216k€228k▲
Profit (loss) for the period before taxes9903€-338k€41k▲
Income taxes67/77€492€517▲
Taxes670/3€492€517▲
Profit (loss) for the period9904€-338k€41k▲
Profit (loss) for the period to be appropriated9905€-338k€41k▲
Appropriation of the result
Profit (loss) to be appropriated9906€1.04M€1.08M▲
Profit (loss) brought forward from the previous period14P€1.38M€1.04M▼
Transfer to equity691/2-€2k
To the legal reserve6920-€2k
Social balance
Average headcount (FTE)908711.212.9▲
The notes to these accounts (78 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Operating income70/76A | €17.98M | €17.19M | €12.86M | €11.39M | €11.66M | ▲ 2.4% |
| Turnover70 | €17.90M | €17.12M | €12.79M | €11.34M | €11.51M | ▲ 1.6% |
| Other operating income74 | €47k | €34k | €33k | €27k | €33k | ▲ 20.8% |
| Non-recurring operating income76A | €28k | €33k | €33k | €24k | €116k | ▲ 375% |
| Operating charges60/66A | €16.92M | €16.83M | €13.30M | €11.43M | €11.33M | ▼ 0.9% |
| Goods for resale, raw materials and consumables60 | €11.80M | €11.52M | €8.78M | €7.46M | €7.22M | ▼ 3.3% |
| Purchases600/8 | €13.21M | €13.46M | €7.33M | €6.05M | €9.10M | ▲ 50.4% |
| Change in stocks: decrease (increase)609 | €-1.41M | €-1.93M | €1.45M | €1.41M | €-1.88M | ▼ 233% |
| Services and other goods61 | €3.81M | €3.86M | €3.09M | €2.68M | €2.79M | ▲ 3.8% |
| Remuneration, social security and pensions62 | €858k | €871k | €901k | €729k | €800k | ▲ 9.8% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €534k | €519k | €517k | €461k | €416k | ▼ 9.7% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | €-196k | €-10k | €6k | €17k | €35k | ▲ 102% |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | - | - | €-70k | - | - | - |
| Other operating charges640/8 | €113k | €68k | €69k | €80k | €79k | ▼ 0.9% |
| Operating profit (loss)9901 | €1.06M | €356k | €-440k | €-47k | €330k | ▲ 806% |
| Financial income75/76B | €162k | €153k | €141k | €100k | €109k | ▲ 8.9% |
| Recurring financial income75 | €162k | €153k | €141k | €100k | €109k | ▲ 8.9% |
| Income from financial fixed assets750 | - | - | - | - | €16k | - |
| Income from current assets751 | €8k | - | - | - | - | - |
| Other financial income752/9 | €154k | €153k | €141k | €100k | €93k | ▼ 7.3% |
| Financial charges65/66B | €390k | €395k | €431k | €391k | €397k | ▲ 1.5% |
| Recurring financial charges65 | €390k | €395k | €431k | €391k | €397k | ▲ 1.5% |
| Debt charges650 | €63k | €75k | €202k | €176k | €169k | ▼ 3.5% |
| Other financial charges652/9 | €327k | €320k | €229k | €216k | €228k | ▲ 5.7% |
| Profit (loss) for the period before taxes9903 | €831k | €115k | €-730k | €-338k | €41k | ▲ 112% |
| Transfer from deferred taxes780 | €835 | €1k | €10k | - | - | - |
| Transfer to deferred taxes680 | €1k | €2k | - | - | - | - |
| Income taxes67/77 | €206k | €29k | €417 | €492 | €517 | ▲ 5.1% |
| Taxes670/3 | €206k | €29k | €417 | €492 | €517 | ▲ 5.1% |
| Profit (loss) for the period9904 | €625k | €84k | €-720k | €-338k | €41k | ▲ 112% |
| Transfer from tax-exempt reserves789 | €3k | €3k | €31k | - | - | - |
| Transfer to tax-exempt reserves689 | €4k | €7k | - | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €624k | €80k | €-689k | €-338k | €41k | ▲ 112% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €12.07M | €12.41M | €9.52M | €8.78M | €9.92M | ▲ 13.0% |
| Fixed assets21/28 | €3.14M | €2.82M | €2.33M | €1.92M | €1.63M | ▼ 15.2% |
| Intangible fixed assets21 | €16k | €9k | €2k | - | - | - |
| Tangible fixed assets22/27 | €3.12M | €2.81M | €2.33M | €1.92M | €1.63M | ▼ 15.2% |
| Land and buildings22 | €2.39M | €2.13M | €1.88M | €1.65M | €1.40M | ▼ 15.5% |
| Plant, machinery and equipment23 | €388k | €403k | €298k | €188k | €180k | ▼ 4.1% |
| Furniture and vehicles24 | €285k | €231k | €93k | €50k | €33k | ▼ 34.0% |
| Leasing and similar rights25 | €59k | €40k | €56k | €29k | €18k | ▼ 37.4% |
| Current assets29/58 | €8.94M | €9.59M | €7.18M | €6.86M | €8.29M | ▲ 20.9% |
| Stocks and contracts in progress3 | €5.91M | €7.86M | €6.41M | €4.99M | €6.86M | ▲ 37.6% |
| Stocks30/36 | €5.91M | €7.86M | €6.41M | €4.99M | €6.86M | ▲ 37.6% |
| Goods purchased for resale34 | €5.91M | €7.86M | €6.41M | €4.99M | €6.86M | ▲ 37.6% |
| Amounts receivable within one year40/41 | €2.58M | €1.44M | €600k | €1.68M | €935k | ▼ 44.4% |
| Trade receivables40 | €1.72M | €1.11M | €590k | €641k | €930k | ▲ 45.1% |
| Other amounts receivable41 | €857k | €332k | €11k | €1.04M | €5k | ▼ 99.6% |
| Cash at bank and in hand54/58 | €444k | €286k | €163k | €163k | €373k | ▲ 129% |
| Deferred charges and accrued income490/1 | €11k | €8k | €9k | €30k | €127k | ▲ 317% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €12.07M | €12.41M | €9.52M | €8.78M | €9.92M | ▲ 13.0% |
| Equity10/15 | €4.76M | €4.87M | €4.14M | €3.79M | €3.81M | ▲ 0.5% |
| Contributions10/11 | €2.50M | €2.50M | €2.50M | €2.50M | €2.50M | = |
| Capital10 | €2.50M | €2.50M | €2.50M | €2.50M | €2.50M | = |
| Issued capital100 | €2.50M | €2.50M | €2.50M | €2.50M | €2.50M | = |
| Reserves13 | €157k | €166k | €135k | €135k | €137k | ▲ 1.5% |
| Non-distributable reserves130/1 | €130k | €135k | €135k | €135k | €137k | ▲ 1.5% |
| Legal reserve130 | €130k | €135k | €135k | €135k | €137k | ▲ 1.5% |
| Tax-exempt reserves132 | €27k | €31k | - | - | - | - |
| Profit (loss) carried forward14 | €2.00M | €2.07M | €1.38M | €1.04M | €1.08M | ▲ 3.7% |
| Investment grants15 | €102k | €136k | €126k | €109k | €89k | ▼ 18.4% |
| Provisions and deferred taxes16 | €79k | €80k | - | - | - | - |
| Provisions for liabilities and charges160/5 | €70k | €70k | - | - | - | - |
| Other liabilities and charges164/5 | €70k | €70k | - | - | - | - |
| Deferred taxes168 | €9k | €10k | - | - | - | - |
| Amounts payable17/49 | €7.24M | €7.46M | €5.38M | €5.00M | €6.12M | ▲ 22.4% |
| Amounts payable after more than one year17 | €2.04M | €1.70M | €1.28M | €921k | €647k | ▼ 29.7% |
| Financial debts170/4 | €2.04M | €1.70M | €1.28M | €921k | €647k | ▼ 29.7% |
| Leasing and similar obligations172 | €48k | €30k | €31k | €6k | - | - |
| Credit institutions173 | €1.99M | €1.67M | €1.25M | €915k | €647k | ▼ 29.2% |
| Amounts payable within one year42/48 | €5.20M | €5.76M | €4.10M | €4.07M | €5.45M | ▲ 33.7% |
| Current portion of amounts payable after more than one year42 | €516k | €452k | €498k | €357k | €273k | ▼ 23.6% |
| Financial debts43 | €2.00M | €3.00M | €2.30M | €2.70M | €3.20M | ▲ 18.5% |
| Credit institutions430/8 | €2.00M | €3.00M | €2.30M | €2.70M | €3.20M | ▲ 18.5% |
| Trade debts44 | €2.33M | €1.72M | €726k | €968k | €1.56M | ▲ 60.8% |
| Suppliers440/4 | €2.33M | €1.72M | €726k | €968k | €1.56M | ▲ 60.8% |
| Taxes, remuneration and social security45 | €103k | €42k | €72k | €50k | €84k | ▲ 67.0% |
| Taxes450/3 | €24k | €7k | €14k | €4k | €36k | ▲ 707% |
| Remuneration and social security454/9 | €79k | €35k | €58k | €46k | €48k | ▲ 4.8% |
| Other amounts payable47/48 | €244k | €539k | €502k | - | €335k | - |
| Accrued charges and deferred income492/3 | €533 | €6k | €538 | - | €21k | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €625k | €84k | €-720k | €-338k | €41k | ▲ 112% |
| + Depreciation and write-downs630 | €534k | €519k | €517k | €461k | €416k | ▼ 9.7% |
| Operating cash flow (approximation) | €1.16M | €603k | €-204k | €122k | €457k | ▲ 273% |
| Investment in fixed assets (approximation) | - | €-202k | €-31k | €-47k | €-125k | ▼ 163% |
| Change in cash | - | €-159k | €-123k | €-45 | €210k | ▲ 471,627% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
07-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Back to profitnet €41k
Net result €41k after 2 loss-making years.
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
17-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Weakest financial yearnet €-720k
Net result drops to €-720k, the lowest in the series; recovery starts the following year.
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
07-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Highest result since 2018net €625k ▲151%
Operating result €1.06M, net result €625k, both a record.
07-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
07-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
03-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
10-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
03-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 12 acts read
About the unread acts
We know of 12 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
12 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, Oupeye · 1 establishment unit since 2014
Ground area
2,504 m²
Parcel 62049A1372/00B000, Wallonia. Linked by address, not a title deed.
1 establishment unit
Rue Voie de Liège 20, 4681 Oupeye
since 20142.236.552.556
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62049A1372/00B000 | Wallonia | 2,504 m² | - | - |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel 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
54930088Q4BSM9444542
Similar companies · same sector, comparable size
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Of 1,804 companies in sector 46831 we hold annual accounts for 1,397. 775 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded10-11-1995
Fiscal year end31-12
Activities, NACEBEL 2025
46831Wholesale of construction materials, general range
46216Wholesale of agricultural produce and animal feed, general range
46610Wholesale trade
46810Wholesale of solid, liquid and gaseous fuels and related products
46900Non-specialised wholesale trade
49410Freight transport by road
Scores and ratios are computed by Checked and are not a credit decision.