BELGIUM STONE
ActiveThe computed 12-month bankruptcy probability of BELGIUM STONE is 1.6% (moderate). The 2025 annual accounts show equity of €37k and a net result of €32k. Its solvency ranks better than 23% of 11297 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
44
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes
Profitability75
Solvency31
Growth-
Track record67
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days only on tighter terms
Liquidity short (current ratio 0.97; short-term debt: 94% and cash: 2.1% of total assets), and 94% 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+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
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
Sector 46
higher
← 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
6%
Return on assets
5.1%
Age of the figures
15 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 11297 sector peers (2025).
NBB · sector comparisonPosition among 11297 sector peers
Solvency
better than 23%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 03-02-2026, 3 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 1 filingDeviation from the deadline
2025
3 d late
← before the deadline
after the deadline →
Financials · fiscal year 2025, micro schema
Equity
€37k
Total assets
€619k
Net result
€32k
Working capital
€-18k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €619k
Fixed assets
€54k
Current assets
€564k
Equity and liabilities €619k
Equity
€37k
Debt
€582k
Debt finances 94.0% of the balance-sheet total.
Key figures and ratios
EBITDA
€52k
Cash flow
€43k
Solvency
6.0%
Current ratio
0.97
Quick ratio
0.11
Debt / equity
15.80
ROE
86.4%
ROA
5.1%
Interest coverage
90.85
Debt
€582k
Debt ≤ 1 year
€582k
Income taxes
€8k
Filed annual accounts
As filed with the NBB · 2025
Balance sheet
Code2025
Assets
Total assets20/58€619k
Fixed assets21/28€54k
Tangible fixed assets22/27€39k
Plant, machinery and equipment23€25k
Furniture and vehicles24€14k
Financial fixed assets28€16k
Current assets29/58€564k
Stocks and contracts in progress3€502k
Stocks30/36€502k
Amounts receivable within one year40/41€43k
Trade receivables40€43k
Cash at bank and in hand54/58€13k
Deferred charges and accrued income490/1€6k
Equity and liabilities
Total equity and liabilities10/49€619k
Equity10/15€37k
Contributions10/11€5k
Profit (loss) carried forward14€32k
Amounts payable17/49€582k
Amounts payable within one year42/48€582k
Trade debts44€455k
Suppliers440/4€455k
Advances received on contracts in progress46€1k
Taxes, remuneration and social security45€11k
Taxes450/3€11k
Other amounts payable47/48€114k
Income statement
Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k
Other operating charges640/8€40k
Gross operating margin9900€92k
Operating profit (loss)9901€41k
Financial income75/76B€0
Recurring financial income75€0
Financial charges65/66B€568
Recurring financial charges65€568
Profit (loss) for the period before taxes9903€40k
Income taxes67/77€8k
Profit (loss) for the period9904€32k
Profit (loss) for the period to be appropriated9905€32k
Appropriation of the result
Profit (loss) to be appropriated9906€32k
The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
03-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 3 days late
NBB filing
Directors · office · real estate
Directors
2 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, Dessel · 1 establishment unit since 2023
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.
Polderstraat 482480 DesselGround area
1,733 m²
Building footprint
209 m²
Volume, LiDAR
936 m³
Parcel 13006E1389/00B000, Flanders · tallest building 6.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BELGIUM STONE
since 20232.352.845.460
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13006E1389/00B000 | Flanders | 1,733 m² | 1 · 209 m² | 6.6 m · 2 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.
Similar companies · same sector, comparable size
INTERIEUR FRANK EERDEKENS
BE 0439.639.137
Heusden-Zolder · Eq €37k
B&Be Consult
BE 0789.999.177
Drogenbos · Eq €37k
ROS BeLux
BE 0461.621.218
Kontich · Eq €37k
Suppuni
BE 0751.767.321
Zutendaal · Eq €37k
Cheetah Creative Consulting
BE 1018.366.772
Ranst · Eq €37k
Of 6,155 companies in sector 46190 we hold annual accounts for 2,570. 1,861 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-12-2023
Fiscal year end30-06
Activities, NACEBEL
46190Agents in non-specialised wholesale trade
46831Wholesale of construction materials, general range
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.