Financials
- Financial year
- 2025
- Total assets
- €5,777
- Loss
- -€4,260
- Solvency
- 99.3%
Gemstone
ActiveSummary
The annual accounts of Gemstone for financial year 2025 show a net loss of 74% of total assets. The 2025 annual accounts show equity of €5,740 and a net result of -€4,260. Its solvency ranks better than 95% of 13,454 sector peers (NACE 46, financial year 2025). The company has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.7% (low).
Overview
Activity
Wholesale of diamonds and other precious stones
NACE 46861
1 site
Size
€5,777total assets 2025
- Equity
- €5,740
- Loss
- -€4,260
Turnover not published (micro format)
Structure
Accounts 2 days early0 of 1 deed read
Why 56raises riskCapped at 59: a net loss of at least half of total assets or of the equity at the start of the financial yearFounded in 2024Loss of €4,260 (financial year 2025)lowers riskLiquidity: current ratio 153.82, cash €2,100Equity €5,740 (99.3% of total assets)Show the evidence
Checked score
Score 2025
56
/ 100
Fair
Probability in this band: 1.5% to 4.2%
Financially better than 63% of its sector peers (NACE 46, micro)
A net loss of at least half of total assets or of the equity at the start of the financial year caps the score at 59. Every signal that counts is listed under Signals.
Financial strength
Strong
Solvency
100
equity 99.3% of total assets
Liquidity
95
short-term debt 0.7% · cash 36.4%
Profitability
0
return on assets -73.7%
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
About 7 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2025: 1.7%
12-2025: 1.7%● unchanged vs 11-2025
01-2026: 1.8%▲ +0.1 percentage points vs 12-2025
02-2026: 2.1%▲ +0.3 percentage points vs 01-2026
03-2026: 2.2%▲ +0.1 percentage points vs 02-2026
04-2026: 2.4%▲ +0.2 percentage points vs 03-2026
05-2026: 2.4%● unchanged vs 04-2026
06-2026: 2.7%▲ +0.3 percentage points vs 05-2026
07-2026: 2.7%● unchanged vs 06-2026highest value
08-2026: 0.7%▼ -2.0 percentage points vs 07-2026lowest value
09-2026: 0.7%● unchanged vs 08-2026
10-2026: 0.7%● unchanged vs 09-2026
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
short-term debt: 0.7% and cash: 36.4% of total assets, and 0.7% of the assets are financed with debt and provisions.
How it is calculated
The band follows from the bankruptcy probability, on a scale where 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, micro): better than 90% on solvency, 93% on liquidity and 6% on profitability.
The bankruptcy probability was computed on 15-10-2026 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.
Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
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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 29-07-2026, 2 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
2 days early
← before the deadline
after the deadline →
Searched, nothing found (1)
- Annual accounts filedfinancial year 2025 · micro…
Key points
By topic
Timeline
- Events
- 1
- Since
- 2026
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Wholesale of diamonds and other precious stonesNACE 46861
- Founded
- 28-10-2024
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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