IMMO STONE
ActiveSummary
IMMO STONE has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €411,125 and a net result of -€17,254. Equity is growing by ~11.2% per year across the filed fiscal years. Its solvency ranks better than 66% of 14254 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability32▼-33
Solvency76▼-2
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €24,000 at 30 days acceptable
Liquidity ample (current ratio 4.48 against 4.88 in 2024; short-term debt: 22.3% and cash: 0.5% of total assets), and 49.4% of the assets are financed with debt.
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Signals
Three signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Real estate activities (NACE 68)
about 43% fewer bankruptcies
← 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
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 17-12-2025, 45 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
45 d early
2024
17 d early
2023
14 d early
2022
on the day
2021
25 d early
2020
19 d early
2019
22 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 20 days before the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today. Usually files around 14 January (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-06-2026 close28-09-2026 today31-01-2027 deadline
History
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Financials · fiscal year 2025, micro schema
In the rankings
#10 company by equity in Oostrozebeke, Real estate sector
Equity
€411,125▼ 4.0%
2024 · €428,380
Total assets
€813,279▲ 0.5%
2024 · €809,403
Net result
-€17,254
2024 · €89,392
Working capital
€631,687▼ 1.8%
2024 · €643,394
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 68, Real estate activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€24,873€43,569▲ 75.2%€74,934▲ 72.0%€136,772▲ 82.5%-€8,960
Net result€16,655within the sector's middle half€27,062within the sector's middle half▲ 62.5%€51,391above the sector's middle half▲ 89.9%€89,392above the sector's middle half▲ 73.9%-€17,254below the sector's middle half
Equity€260,535within the sector's middle half▲ 6.8%€287,597within the sector's middle half▲ 10.4%€338,988above the sector's middle half▲ 17.9%€428,380above the sector's middle half▲ 26.4%€411,125above the sector's middle half▼ 4.0%
Total assets€731,431within the sector's middle half▲ 4.4%€775,279within the sector's middle half▲ 6.0%€818,547within the sector's middle half▲ 5.6%€809,403within the sector's middle half▼ 1.1%€813,279within the sector's middle half▲ 0.5%
Debt€470,896▲ 3.1%€487,682▲ 3.6%€479,560▼ 1.7%€381,023▼ 20.5%€402,154▲ 5.5%
Working capital€701,113above the sector's middle half▲ 3.2%€733,766above the sector's middle half▲ 4.7%€792,172above the sector's middle half▲ 8.0%€643,394above the sector's middle half▼ 18.8%€631,687above the sector's middle half▼ 1.8%
Solvency35.6%within the sector's middle half▲ 0.8pp37.1%within the sector's middle half▲ 1.5pp41.4%within the sector's middle half▲ 4.3pp52.9%within the sector's middle half▲ 11.5pp50.6%within the sector's middle half▼ 2.4pp
Current ratio24.13above the sector's middle half▼ 8.1118.68above the sector's middle half▼ 5.4531.03above the sector's middle half▲ 12.364.88above the sector's middle half▼ 26.164.48above the sector's middle half▼ 0.40
Return on assets (ROA)2.3%within the sector's middle half▲ 5.6pp3.5%within the sector's middle half▲ 1.2pp6.3%within the sector's middle half▲ 2.8pp11.0%above the sector's middle half▲ 4.8pp-2.1%within the sector's middle half▼ 13.2pp
above
within
below
the middle half (P25 to P75) of NACE 68, Real estate activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €8,960 after €136,772 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €813,279
Equity
€411,125 ▼ 4.0%
Debt
€402,154 ▲ 5.5%
Debt's share of the balance-sheet total rises from 47.1% to 49.4%. Equity is lower and debt is higher.
Key figures and ratios
Quick ratio
3.27▼
2024 · 4.20
Debt to equity
0.98▲
2024 · 0.89
ROE
-4.2%▼
2024 · 20.9%
Debt ≤ 1 year
€181,592▲
2024 · €166,008
Debt > 1 year
€199,276=
2024 · €199,276
Income taxes
€0▼
2024 · €32,622
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 2,688 companies that looked in July 2024 the way this one looks now, 0.5% went bankrupt within 24 months and 94% are still going.
- Small
- 10 to 20 years old
- solvency 30% or more
- a small loss
0.5%
went bankrupt
5.4%
stopped otherwise
94%
still going
A further 0.4% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.3% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 2,688 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Other operating charges640/8 | - | €2,193 | €2,119 | €912 | €10,719 | ▲ 1,075% |
| Gross operating margin9900 | €26,730 | €45,762 | €77,053 | €137,684 | €1,759 | ▼ 98.7% |
| Operating profit (loss)9901 | €24,873 | €43,569 | €74,934 | €136,772 | -€8,960 | ▼ 107% |
| Financial income75/76B | - | €5,777 | €6,530 | €1,554 | €13,324 | ▲ 757% |
| Recurring financial income75 | €2,619 | €5,777 | €6,530 | €1,554 | €13,324 | ▲ 757% |
| Financial charges65/66B | - | €9,279 | €10,568 | €16,312 | €21,619 | ▲ 32.5% |
| Recurring financial charges65 | €9,253 | €9,279 | €10,568 | €16,312 | €21,619 | ▲ 32.5% |
| Profit (loss) for the period before taxes9903 | €18,238 | €40,067 | €70,896 | €122,014 | -€17,254 | ▼ 114% |
| Income taxes67/77 | €1,584 | €13,005 | €19,505 | €32,622 | €0 | ▼ 100% |
| Profit (loss) for the period9904 | €16,655 | €27,062 | €51,391 | €89,392 | -€17,254 | ▼ 119% |
| Profit (loss) for the period to be appropriated9905 | €16,655 | €27,062 | €51,391 | €89,392 | -€17,254 | ▼ 119% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €731,431 | €775,279 | €818,547 | €809,403 | €813,279 | ▲ 0.5% |
| Current assets29/58 | €731,431 | €775,279 | €818,547 | €809,403 | €813,279 | ▲ 0.5% |
| Stocks and contracts in progress3 | €230,540 | €223,891 | €161,563 | €112,113 | €219,302 | ▲ 95.6% |
| Stocks30/36 | - | €223,891 | €161,563 | €112,113 | €219,302 | ▲ 95.6% |
| Amounts receivable within one year40/41 | €146,408 | €257,899 | €365,799 | €526,964 | €589,390 | ▲ 11.8% |
| Trade receivables40 | - | €97,118 | €191,718 | €260,600 | €10,600 | ▼ 95.9% |
| Other amounts receivable41 | - | €160,781 | €174,081 | €266,364 | €578,790 | ▲ 117% |
| Cash at bank and in hand54/58 | €354,197 | €292,844 | €290,654 | €170,189 | €4,451 | ▼ 97.4% |
| Deferred charges and accrued income490/1 | - | €646 | €532 | €136 | €136 | ▲ 0.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €731,431 | €775,279 | €818,547 | €809,403 | €813,279 | ▲ 0.5% |
| Equity10/15 | €260,535 | €287,597 | €338,988 | €428,380 | €411,125 | ▼ 4.0% |
| Contributions10/11 | - | €20,000 | €20,000 | €20,000 | €20,000 | = |
| Reserves13 | €240,535 | €267,597 | €318,988 | €408,380 | €391,125 | ▼ 4.2% |
| Non-distributable reserves130/1 | - | €12,870 | €12,870 | €0 | - | - |
| Reserves not available under the articles1311 | - | €12,870 | €12,870 | €0 | - | - |
| Distributable reserves133 | - | €254,726 | €306,117 | €408,380 | €391,125 | ▼ 4.2% |
| Amounts payable17/49 | €470,896 | €487,682 | €479,560 | €381,023 | €402,154 | ▲ 5.5% |
| Amounts payable after more than one year17 | €432,420 | €437,505 | €442,811 | €199,276 | €199,276 | = |
| Financial debts170/4 | - | €437,505 | €442,811 | €0 | - | - |
| Other amounts payable178/9 | - | - | - | €199,276 | €199,276 | = |
| Amounts payable within one year42/48 | €30,318 | €41,512 | €26,375 | €166,008 | €181,592 | ▲ 9.4% |
| Trade debts44 | €2,326 | €531 | €614 | €2,993 | €3,079 | ▲ 2.9% |
| Suppliers440/4 | - | €531 | €614 | €2,993 | €3,079 | ▲ 2.9% |
| Advances received on contracts in progress46 | - | - | - | €83,791 | €0 | ▼ 100% |
| Taxes, remuneration and social security45 | - | €8,755 | €750 | €33,372 | €750 | ▼ 97.8% |
| Taxes450/3 | - | €8,755 | €750 | €33,372 | €750 | ▼ 97.8% |
| Other amounts payable47/48 | - | €32,226 | €25,012 | €45,852 | €177,763 | ▲ 288% |
| Accrued charges and deferred income492/3 | - | €8,665 | €10,373 | €15,739 | €21,286 | ▲ 35.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €16,655 | €27,062 | €51,391 | €89,392 | -€17,254 | ▼ 119% |
| Operating cash flow (approximation) | €16,655 | €27,062 | €51,391 | €89,392 | -€17,254 | ▼ 119% |
| Change in cash | - | -€61,353 | -€2,190 | -€120,465 | -€165,738 | ▼ 37.6% |
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
2025
17-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
14-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Highest result since 2019net €89,392 ▲73.9%
Operating result €136,772, net result €89,392, both a record.
17-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
06-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Back to profitnet €16,655
Net result €16,655 after one loss-making year.
12-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
Financial
Weakest financial yearnet -€23,566
Net result drops to -€23,566, the lowest in the series; recovery starts the following year.
09-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
19-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
15-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
23-12
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.
0 of 4 acts read
About the unread acts
We know of 4 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
4 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, Oostrozebeke · 1 establishment unit since 2013
Ground area
7,860 m²
Building footprint
275 m²
Volume, LiDAR
1,271 m³
Parcel 37010C0254/00F000, Flanders · tallest building 9.4 m, ±1 floor. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
IMMO STONE
since 20132.219.246.964
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 37010C0254/00F000 | Flanders | 7,860 m² | 1 · 275 m² | 9.4 m · 1 fl. |
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.
Similar companies · same sector, comparable size
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AY PRO REAL ESTATE
BE 0793.757.334
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DUSTHER
BE 0832.101.236
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Altis
BE 0808.170.643
Gent · Eq €410,016
Of 9,698 companies in sector 68121 we hold annual accounts for 7,393. 4,903 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded29-05-2012
Fiscal year end30-06
Activities, NACEBEL 2025
68121Development of residential building projects
64210Activities of holding companies
E-invoicing
Reachable via Peppol
Peppol ID
0208:0846243836
Registered
03-11-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.