IMRM Stone
ActiveSummary
IMRM Stone has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €18k and a net result of €480. Equity is shrinking by ~15% per year across the filed fiscal years. Its solvency ranks better than 92% of 7500 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability43▼-2
Solvency100▲+34
Growth58=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 7.53 against 1.69 in 2024; short-term debt: 13.3% and cash: 0.2% of total assets), and 13.3% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Construction of residential and non-residential buildings (NACE 41)
about 67% more 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
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
86.7%
Return on assets
2.3%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €18k
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 · 10 filingsDeviation from the deadline
2025
2 d early
2024
17 d early
2023
22 d late
2022
282 d late
2021
31 d late
2020
on the day
2019
1 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, micro schema
Equity
€18k▲ 2.7%
2024 · €18k
2018: €46khighest in 8 years
2019: €46k▼ -0.6% vs 2018
2020: €46k▼ -0.6% vs 2019
2021: €45k▼ -2.7% vs 2020
2022: €17k▼ -62.0% vs 2021
2023: €16k▼ -2.9% vs 2022lowest in 8 years
2024: €18k▲ +7.3% vs 2023
2025: €18k▲ +2.7% vs 2024
2018 → 2025
Total assets
€21k▼ 51.6%
2024 · €43k
2018: €49khighest in 8 years
2019: €49k● 0.0% vs 2018highest in 8 years
2020: €48k▼ -1.3% vs 2019
2021: €47k▼ -2.5% vs 2020
2022: €25k▼ -47.8% vs 2021
2023: €24k▼ -3.7% vs 2022
2024: €43k▲ +82.5% vs 2023
2025: €21k▼ -51.6% vs 2024lowest in 8 years
2018 → 2025
Net result
€480▼ 60.4%
2024 · €1k
2018: €-203
2019: €-273▼ -34.2% vs 2018
2020: €-262▲ +4.0% vs 2019
2021: €-1k▼ -368% vs 2020lowest in 8 years
2022: €3k▲ +328% vs 2021highest in 8 years
2023: €-492▼ -118% vs 2022
2024: €1k▲ +346% vs 2023
2025: €480▼ -60.4% vs 2024
2018 → 2025
Working capital
€18k▲ 2.7%
2024 · €18k
2018: €46khighest in 8 years
2019: €46k▼ -0.6% vs 2018
2020: €46k▼ -0.6% vs 2019
2021: €45k▼ -2.7% vs 2020
2022: €17k▼ -62.0% vs 2021
2023: €16k▼ -2.9% vs 2022lowest in 8 years
2024: €18k▲ +7.3% vs 2023
2025: €18k▲ +2.7% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€45k-€17k▼ 62.0%€16k▼ 2.9%€18k▲ 7.3%€18k▲ 2.7%
2021: €45khighest in 5 years
2022: €17k▼ -62.0% vs 2021
2023: €16k▼ -2.9% vs 2022lowest in 5 years
2024: €18k▲ +7.3% vs 2023
2025: €18k▲ +2.7% vs 2024
Operating result€-1k-€1k€-1k€1k€553▼ 57.2%
2021: €-1k
2022: €1k▲ +216% vs 2021highest in 5 years
2023: €-1k▼ -202% vs 2022lowest in 5 years
2024: €1k▲ +189% vs 2023
2025: €553▼ -57.2% vs 2024
Net result€-1k-€3k€-492€1k€480▼ 60.4%
2021: €-1klowest in 5 years
2022: €3k▲ +328% vs 2021highest in 5 years
2023: €-492▼ -118% vs 2022
2024: €1k▲ +346% vs 2023
2025: €480▼ -60.4% vs 2024
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 57% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €21k
Equity
€18k ▲ 2.7%
Debt
€3k ▼ 89.1%
Debt's share of the balance-sheet total falls from 59.1% to 13.3%. Equity is higher and debt is lower.
Key figures and ratios
Current ratio
7.53▲
2024 · 1.69
Quick ratio
5.15▲
2024 · 0.89
Debt to equity
0.15▼
2024 · 1.44
ROE
2.6%▼
2024 · 6.8%
ROA
2.3%▼
2024 · 2.8%
Debt ≤ 1 year
€3k▼
2024 · €26k
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 · 31 lines
Balance sheet
Code20242025
Assets
Total assets20/58€43k€21k▼
Current assets29/58€43k€21k▼
Stocks and contracts in progress3€20k€7k▼
Stocks30/36€20k€7k▼
Amounts receivable within one year40/41€23k€14k▼
Trade receivables40€19k-
Other amounts receivable41€3k€14k▲
Cash at bank and in hand54/58-€44
Equity and liabilities
Total equity and liabilities10/49€43k€21k▼
Equity10/15€18k€18k▲
Contributions10/11€10k€10k=
Reserves13€6k€6k=
Distributable reserves133€6k€6k=
Profit (loss) carried forward14€2k€2k▲
Amounts payable17/49€26k€3k▼
Amounts payable within one year42/48€26k€3k▼
Financial debts43€6-
Credit institutions430/8€6-
Trade debts44€2k€3k▲
Suppliers440/4€2k€3k▲
Other amounts payable47/48€24k-
Income statement
Code20242025
Other operating charges640/8€387€784▲
Gross operating margin9900€2k€1k▼
Operating profit (loss)9901€1k€553▼
Financial charges65/66B€83€74▼
Recurring financial charges65€83€74▼
Profit (loss) for the period before taxes9903€1k€480▼
Profit (loss) for the period9904€1k€480▼
Profit (loss) for the period to be appropriated9905€1k€480▼
Appropriation of the result
Profit (loss) to be appropriated9906€2k€2k▲
Profit (loss) brought forward from the previous period14P€465€2k▲
The notes to these accounts (2 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 |
|---|---|---|---|---|---|---|
| Other operating charges640/8 | €348 | €500 | €384 | €387 | €784 | ▲ 102% |
| Gross operating margin9900 | €-879 | €2k | €-1k | €2k | €1k | ▼ 20.4% |
| Operating profit (loss)9901 | €-1k | €1k | €-1k | €1k | €553 | ▼ 57.2% |
| Financial income75/76B | - | €2k | €0 | - | - | - |
| Recurring financial income75 | - | €2k | €0 | - | - | - |
| Financial charges65/66B | - | €2 | €61 | €83 | €74 | ▼ 10.7% |
| Recurring financial charges65 | - | €2 | €61 | €83 | €74 | ▼ 10.7% |
| Profit (loss) for the period before taxes9903 | €-1k | €4k | €-2k | €1k | €480 | ▼ 60.4% |
| Income taxes67/77 | - | €1k | €-1k | - | - | - |
| Profit (loss) for the period9904 | €-1k | €3k | €-492 | €1k | €480 | ▼ 60.4% |
| Profit (loss) for the period to be appropriated9905 | €-1k | €3k | €-492 | €1k | €480 | ▼ 60.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €47k | €25k | €24k | €43k | €21k | ▼ 51.6% |
| Current assets29/58 | €47k | €25k | €24k | €43k | €21k | ▼ 51.6% |
| Stocks and contracts in progress3 | - | - | €10k | €20k | €7k | ▼ 67.6% |
| Stocks30/36 | - | - | €10k | €20k | €7k | ▼ 67.6% |
| Amounts receivable within one year40/41 | €47k | €24k | €13k | €23k | €14k | ▼ 37.4% |
| Trade receivables40 | - | €3k | €12k | €19k | - | - |
| Other amounts receivable41 | €47k | €21k | €973 | €3k | €14k | ▲ 312% |
| Cash at bank and in hand54/58 | - | €147 | €672 | - | €44 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €47k | €25k | €24k | €43k | €21k | ▼ 51.6% |
| Equity10/15 | €45k | €17k | €16k | €18k | €18k | ▲ 2.7% |
| Contributions10/11 | €31k | €10k | €10k | €10k | €10k | = |
| Reserves13 | €13k | €7k | €6k | €6k | €6k | = |
| Non-distributable reserves130/1 | €3k | - | - | - | - | - |
| Reserves not available under the articles1311 | €3k | - | - | - | - | - |
| Distributable reserves133 | €10k | €7k | €6k | €6k | €6k | = |
| Profit (loss) carried forward14 | €450 | €253 | €465 | €2k | €2k | ▲ 28.6% |
| Amounts payable17/49 | €3k | €8k | €7k | €26k | €3k | ▼ 89.1% |
| Amounts payable within one year42/48 | €3k | €8k | €7k | €26k | €3k | ▼ 89.1% |
| Financial debts43 | - | - | - | €6 | - | - |
| Credit institutions430/8 | - | - | - | €6 | - | - |
| Trade debts44 | €3k | €4k | €3k | €2k | €3k | ▲ 48.4% |
| Suppliers440/4 | €3k | €4k | €3k | €2k | €3k | ▲ 48.4% |
| Taxes, remuneration and social security45 | - | €4k | €3k | - | - | - |
| Taxes450/3 | - | €4k | €3k | - | - | - |
| Other amounts payable47/48 | - | - | €894 | €24k | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-1k | €3k | €-492 | €1k | €480 | ▼ 60.4% |
| Operating cash flow (approximation) | €-1k | €3k | €-492 | €1k | €480 | ▼ 60.4% |
| Change in cash | - | - | €526 | - | - | - |
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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity quadruplescurrent ratio 7.53
Current ratio from 1.69 to 7.53; short-term debt falls from €26k to €3k.
14-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €1k
Net result €1k after one loss-making year.
22-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 22 days late
08-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 282 days late
2022
31-12
Financial
Back to profitnet €3k
Net result €3k after 4 loss-making years.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Weakest financial yearnet €-1k
Net result drops to €-1k, the lowest in the series; recovery starts the following year.
31-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
23-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
3 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, Brecht · 1 establishment unit since 1998
Ground area
526 m²
Building footprint
136 m²
Volume, LiDAR
644 m³
Parcel 11332L0031/00K008, Flanders · tallest building 6.7 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
BOUWSMEDERIJ GILLARD
since 19982.087.136.231
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11332L0031/00K008 | Flanders | 526 m² | 1 · 136 m² | 6.7 m · 2 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
BOUWONER
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MILELI
BE 0797.996.828
Moorslede · Eq €18,168
B.A-concept
BE 1012.957.142
Sint-Pieters-Leeuw · Eq €18,171
ENTREPRISE DANDOY
BE 1004.953.058
Mons · Eq €18,138
EMBRACOM
BE 0771.840.183
Kapelle-op-den-Bos · Eq €18,175
Of 29,787 companies in sector 41001 we hold annual accounts for 16,036. 11,282 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
Founded05-05-1998
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
43240Other construction installation
43350Other building finishing work
43990Other specialised construction activities
Scores and ratios are computed by Checked and are not a credit decision.