ISTONE
ActiveISTONE has been active since 1987 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €41k and a net result of €-2k. Equity is growing by ~8% per year across the filed fiscal years. Its solvency ranks better than 66% of 345 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
65
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability15▼-36
Solvency90▼-10
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity ample (current ratio 2.86 against 6.55 in 2024; short-term debt: 30.2% and cash: 16.6% of total assets), and 35.3% 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
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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 23
Relative position
BE, all sectors
reference
Sector 23
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
64.7%
Return on assets
-3.3%
Age of the figures
15 mo
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 12-01-2026, 19 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
19 d early
2024
4 d early
2023
2 d early
2022
5 d early
2021
22 d late
2020
88 d late
2019
on the day
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
30-06-2026 close22-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€41k▼ 4.9%
2024 · €43k
2019: €27k
2020: €29k
2021: €35k
2022: €37k
2023: €40k
2024: €43k
2019 → 2025
Total assets
€64k▲ 15.8%
2024 · €55k
2019: €106k
2020: €85k
2021: €90k
2022: €96k
2023: €104k
2024: €55k
2019 → 2025
Net result
€-2k
2024 · €3k
2019: €299
2020: €2k
2021: €6k
2022: €2k
2023: €4k
2024: €3k
2019 → 2025
Working capital
€36k▼ 23.4%
2024 · €47k
2019: €65k
2020: €68k
2021: €73k
2022: €72k
2023: €76k
2024: €47k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€35k-€37k▲ 5.1%€40k▲ 9.7%€43k▲ 7.3%€41k▼ 4.9%
Operating result€8k-€3k▼ 60.2%€5k▲ 73.4%€4k▼ 20.7%€-2k
Net result€6k-€2k▼ 68.7%€4k▲ 102%€3k▼ 17.7%€-2k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €2k after €4k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €64k
Fixed assets
€9k
Current assets
€55k
Equity and liabilities €64k
Equity
€41k▼ 4.9%
Debt
€23k▲ 93.1%
The debt ratio rises from 21.2% to 35.3%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-744
Cash flow
€-1k
Solvency
64.7%▼
2024 · 78.8%
Current ratio
2.86▼
2024 · 6.55
Quick ratio
2.86▼
2024 · 6.55
Debt / equity
0.55▲
2024 · 0.27
ROE
-5.2%▼
2024 · 6.8%
ROA
-3.3%▼
2024 · 5.4%
Interest coverage
-19.06
Debt
€23k▲
2024 · €12k
Debt ≤ 1 year
€19k▲
2024 · €8k
Income taxes
€230▼
2024 · €1k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€55k€64k▲
Fixed assets21/28-€9k
Tangible fixed assets22/27-€9k
Furniture and vehicles24-€9k
Current assets29/58€55k€55k▼
Amounts receivable within one year40/41€23k€44k▲
Trade receivables40€21k€40k▲
Other amounts receivable41€2k€3k▲
Cash at bank and in hand54/58€32k€11k▼
Deferred charges and accrued income490/1-€675
Equity and liabilities
Total equity and liabilities10/49€55k€64k▲
Equity10/15€43k€41k▼
Contributions10/11€19k€19k=
Reserves13€25k€23k▼
Tax-exempt reserves132€4k€4k=
Distributable reserves133€21k€19k▼
Amounts payable17/49€12k€23k▲
Amounts payable within one year42/48€8k€19k▲
Trade debts44€699€13k▲
Suppliers440/4€699€13k▲
Taxes, remuneration and social security45€1k€6k▲
Taxes450/3€1k-
Remuneration and social security454/9-€6k
Other amounts payable47/48€7k€491▼
Accrued charges and deferred income492/3€3k€3k=
Income statement
Code20242025
Non-recurring operating income76A-€4k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€1k
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€8k
Other operating charges640/8€525€2k▲
Gross operating margin9900€5k€10k▲
Operating profit (loss)9901€4k€-2k▼
Financial charges65/66B€35€39▲
Recurring financial charges65€35€39▲
Profit (loss) for the period before taxes9903€4k€-2k▼
Income taxes67/77€1k€230▼
Profit (loss) for the period9904€3k€-2k▼
Profit (loss) for the period to be appropriated9905€3k€-2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€3k€-2k▼
Transfer from equity791/2-€2k
Transfer to equity691/2€3k-
To other reserves6921€3k-
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
12-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Weakest financial yearnet €-2k ▼172%
Net result drops to €-2k, the lowest in the series.
27-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
29-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
26-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
22-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 22 days late
2021
30-06
Financial
Highest result since 2019net €6k ▲139%
Operating result €8k, net result €6k, both a record.
29-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 88 days late
2020
31-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
28-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
27-01
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.
Directors · office · real estate
Directors
1 act for this company is 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, Deinze · 1 establishment unit since 1987
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.
Spoelstraat 89850 DeinzeGround area
2,597 m²
Building footprint
398 m²
Volume, LiDAR
1,894 m³
2 parcels, Flanders · tallest building 7.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SANDERLING
since 19872.033.764.455
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44012B0510/00A000 | Flanders | 1,610 m² | 1 · 196 m² | 7.8 m · 2 fl. |
| 44049D0086/00F000 | Flanders | 987 m² | 1 · 203 m² | 7.8 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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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BE 0781.862.560
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GRANITS WALLONIE
BE 0444.699.765
La Louvière · Eq €42k
MARBRERIE SOARES DA COSTA
BE 0830.573.683
Soignies · Eq €42k
TAILLEUR DE PIERRE
BE 1002.809.457
Flémalle · Eq €42k
E & M
BE 0441.305.854
Merelbeke-Melle · Eq €40k
Of 739 companies in sector 23700 we hold annual accounts for 491. 322 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-01-1987
Fiscal year end30-06
Activities, NACEBEL
23700Cutting, shaping and finishing of stone
26700
Sources
Crossroads Bank for EnterprisesNational Bank · 38 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.