JEROME-GRANITS
ActiveJEROME-GRANITS has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €982k and a net result of €77k. Equity remains stable across the filed fiscal years (±0.6% per year). Its solvency ranks better than 90% of 501 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2024
94
/ 100
Excellent▲ +11 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability39▲+23
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €90k at 30 days acceptable
Liquidity ample (current ratio 10.02 against 11.16 in 2023), and 14.3% 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 · 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 →
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 2024Solvency, return and age of the figures
Solvency
85.7%
Return on assets
6.7%
Age of the figures
20 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 11-10-2025, 72 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
72 d late
2023
30 d late
2022
30 d late
2021
31 d late
2020
31 d late
2019
90 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€77k▲ 150%
2023 · €31k
2018: €261
2019: €43k
2020: €164k
2021: €131k
2022: €76k
2023: €31k
2018 → 2024
Working capital
€830k▲ 2.4%
2023 · €810k
2018: €891k
2019: €780k
2020: €822k
2021: €860k
2022: €842k
2023: €810k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€986k-€1.02M▲ 3.7%€1.02M=€979k▼ 4.2%€982k▲ 0.3%
Operating result€169k-€133k▼ 21.1%€73k▼ 45.6%€85k▲ 16.4%€63k▼ 25.0%
Net result€164k-€131k▼ 20.6%€76k▼ 41.7%€31k▼ 59.8%€77k▲ 150%
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 25% below 2023 and is the lowest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.15M
Fixed assets
€223k▲ 4.6%
Current assets
€922k▲ 3.5%
Equity and liabilities €1.15M
Equity
€982k▲ 0.3%
Provisions
€13k=
Debt
€151k▲ 34.5%
The debt ratio rises from 10.1% to 13.2%: debt grows faster than equity.
Key figures and ratios
EBITDA
€107k▼
2023 · €125k
Cash flow
€120k▲
2023 · €71k
Solvency
85.7%▼
2023 · 88.7%
Current ratio
10.02▼
2023 · 11.16
Quick ratio
8.15▼
2023 · 8.49
Debt / equity
0.15▲
2023 · 0.11
ROE
7.8%▲
2023 · 3.1%
ROA
6.7%▲
2023 · 2.8%
Interest coverage
31.50▼
2023 · 34.26
Debt
€151k▲
2023 · €112k
Debt ≤ 1 year
€92k▲
2023 · €80k
Debt > 1 year
€43k▲
2023 · €32k
Income taxes
€-15k▼
2023 · €67k
Staff costs
€214k▲
2023 · €164k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€1.10M€1.15M▲
Fixed assets21/28€214k€223k▲
Tangible fixed assets22/27€107k€117k▲
Plant, machinery and equipment23€37k€28k▼
Furniture and vehicles24€63k€34k▼
Other tangible fixed assets26€6k€54k▲
Financial fixed assets28€107k€107k=
Current assets29/58€890k€922k▲
Stocks and contracts in progress3€213k€172k▼
Stocks30/36€213k€172k▼
Amounts receivable within one year40/41€243k€241k▼
Trade receivables40€108k€162k▲
Other amounts receivable41€134k€78k▼
Cash at bank and in hand54/58€412k€494k▲
Deferred charges and accrued income490/1€23k€15k▼
Equity and liabilities
Total equity and liabilities10/49€1.10M€1.15M▲
Equity10/15€979k€982k▲
Contributions10/11€32k€32k=
Outside capital11€32k€32k=
Other1109/19€32k€32k=
Reserves13€532k€532k=
Tax-exempt reserves132€72k€72k=
Distributable reserves133€460k€460k=
Profit (loss) carried forward14€401k€403k▲
Investment grants15€14k€14k=
Provisions and deferred taxes16€13k€13k=
Provisions for liabilities and charges160/5€13k€13k=
Other liabilities and charges164/5€13k€13k=
Amounts payable17/49€112k€151k▲
Amounts payable after more than one year17€32k€43k▲
Financial debts170/4€32k€43k▲
Amounts payable within one year42/48€80k€92k▲
Current portion of amounts payable after more than one year42€29k€23k▼
Trade debts44€22k€54k▲
Suppliers440/4€22k€54k▲
Advances received on contracts in progress46€439€439=
Taxes, remuneration and social security45€28k€14k▼
Taxes450/3€9k€1k▼
Remuneration and social security454/9€19k€13k▼
Accrued charges and deferred income492/3-€16k
Income statement
Code20232024
Remuneration, social security and pensions62€164k€214k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€40k€43k▲
Other operating charges640/8€6k€19k▲
Gross operating margin9900€295k€340k▲
Operating profit (loss)9901€85k€63k▼
Financial income75/76B€17k€1k▼
Recurring financial income75€67€717▲
Non-recurring financial income76B€17k€753▼
Financial charges65/66B€4k€3k▼
Recurring financial charges65€4k€3k▼
Profit (loss) for the period before taxes9903€98k€62k▼
Income taxes67/77€67k€-15k▼
Profit (loss) for the period9904€31k€77k▲
Profit (loss) for the period to be appropriated9905€31k€77k▲
Appropriation of the result
Profit (loss) to be appropriated9906€401k€477k▲
Profit (loss) brought forward from the previous period14P€370k€401k▲
Transfer from equity791/2€74k-
Profit to be distributed694/7€74k€74k=
Return on contributions (dividend)694€74k€74k=
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
11-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 72 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 31 days late
2021
31-12
Financial
Equity above €1MEq €1.02M ▲3.7%
4 profitable years in a row build equity to €1.02M.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 31 days late
2020
31-12
Financial
Highest result since 2018net €164k ▲280%
Operating result €169k, net result €164k, both a record.
29-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 90 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 30 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 29 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 31 days late
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Seraing · 1 establishment unit since 2012
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.
Rue Ferrer 2504100 SeraingGround area
1,563 m²
Building footprint
472 m²
Volume, LiDAR
4,337 m³
2 parcels, Wallonia · tallest building 18.2 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
JEROME-GRANITS
since 20122.216.100.996
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62352E0460/00L003 | Wallonia | 788 m² | 1 · 155 m² | 18.2 m · 4 fl. |
| 62352E0295/00D000 | Wallonia | 775 m² | 1 · 316 m² | 8.5 m · 2 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.
Recognitions · licences · registrations
Recognised contractor
6 categoriesJEROME-GRANITS SRL35284
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NATUURSTEENZAGERIJ
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PAUWELS NST
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Of 736 companies in sector 23700 we hold annual accounts for 489. 345 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded31-12-2012
Fiscal year end31-12
Activities, NACEBEL
23700Cutting, shaping and finishing of stone
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:www.jeromegranits.be
E-mail:jerome.granits@skynet.be