Multi-Stone
ActiveMulti-Stone has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €385k and a net result of €15k. Equity is growing by ~4% per year across the filed fiscal years. Its solvency ranks better than 71% of 1286 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
74
/ 100
Healthy▼ -8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability19▼-19
Solvency79▲+8
Growth78=
Stability100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity tight (current ratio 1.47 against 1.19 in 2024), and 54.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 · 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
45.9%
Return on assets
1.8%
Age of the figures
8 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 55
Relative position
BE, all sectors
reference
Sector 55
higher
← fewer bankruptcies
more bankruptcies →
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 19-07-2026, 12 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
12 d early
2024
16 d early
2023
53 d early
2022
11 d early
2021
11 d early
2020
16 d early
2019
28 d early
← before the deadline
after the deadline →
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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€385k▲ 4.0%
2024 · €370k
2018: €293k
2019: €298k
2020: €306k
2021: €312k
2022: €319k
2023: €341k
2024: €370k
2018 → 2025
Total assets
€837k=
2024 · €837k
2018: €1.02M
2019: €1.03M
2020: €973k
2021: €988k
2022: €986k
2023: €816k
2024: €837k
2018 → 2025
Net result
€15k▼ 47.8%
2024 · €28k
2018: €12k
2019: €6k
2020: €8k
2021: €6k
2022: €6k
2023: €23k
2024: €28k
2018 → 2025
Working capital
€43k▲ 163%
2024 · €17k
2018: €9k
2019: €59k
2020: €56k
2021: €102k
2022: €148k
2023: €9k
2024: €17k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€312k-€319k▲ 2.1%€341k▲ 7.1%€370k▲ 8.3%€385k▲ 4.0%
Operating result€6k-€7k▲ 8.6%€23k▲ 233%€29k▲ 25.4%€15k▼ 47.5%
Net result€6k-€6k▲ 4.6%€23k▲ 251%€28k▲ 24.7%€15k▼ 47.8%
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 48% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €837k
Fixed assets
€701k▼ 4.4%
Current assets
€136k▲ 30.9%
Equity and liabilities €837k
Equity
€385k▲ 4.0%
Debt
€453k▼ 3.2%
The debt ratio falls from 55.8% to 54.1%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€51k▼
2024 · €68k
Cash flow
€51k▼
2024 · €67k
Solvency
45.9%▲
2024 · 44.2%
Current ratio
1.47▲
2024 · 1.19
Quick ratio
1.47▲
2024 · 1.19
Debt / equity
1.18▼
2024 · 1.26
ROE
3.8%▼
2024 · 7.7%
ROA
1.8%▼
2024 · 3.4%
Interest coverage
236.21▲
2024 · 172.07
Debt
€453k▼
2024 · €467k
Debt ≤ 1 year
€93k▲
2024 · €87k
Debt > 1 year
€360k▼
2024 · €380k
Income taxes
€350▲
2024 · €345
Staff costs
€23k▲
2024 · €22k
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€837k€837k=
Fixed assets21/28€733k€701k▼
Tangible fixed assets22/27€733k€701k▼
Land and buildings22€726k€697k▼
Plant, machinery and equipment23€3k€4k▲
Other tangible fixed assets26€4k€0▼
Current assets29/58€104k€136k▲
Amounts receivable within one year40/41€68k€62k▼
Trade receivables40€67k€61k▼
Other amounts receivable41€549€1k▲
Cash at bank and in hand54/58€29k€68k▲
Deferred charges and accrued income490/1€7k€7k▼
Equity and liabilities
Total equity and liabilities10/49€837k€837k=
Equity10/15€370k€385k▲
Contributions10/11€225k€225k=
Reserves13€145k€160k▲
Tax-exempt reserves132€18k€18k=
Distributable reserves133€127k€141k▲
Amounts payable17/49€467k€453k▼
Amounts payable after more than one year17€380k€360k▼
Financial debts170/4€380k€360k▼
Amounts payable within one year42/48€87k€93k▲
Trade debts44€5k€4k▼
Suppliers440/4€5k€4k▼
Advances received on contracts in progress46€72k€73k▲
Taxes, remuneration and social security45€10k€7k▼
Taxes450/3€6k€3k▼
Remuneration and social security454/9€4k€4k▲
Other amounts payable47/48€732€8k▲
Income statement
Code20242025
Remuneration, social security and pensions62€22k€23k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€39k€36k▼
Other operating charges640/8€4k€4k▼
Gross operating margin9900€94k€78k▼
Operating profit (loss)9901€29k€15k▼
Financial income75/76B€29€100▲
Recurring financial income75€29€100▲
Financial charges65/66B€395€216▼
Recurring financial charges65€395€216▼
Profit (loss) for the period before taxes9903€29k€15k▼
Income taxes67/77€345€350▲
Profit (loss) for the period9904€28k€15k▼
Profit (loss) for the period to be appropriated9905€28k€15k▼
Appropriation of the result
Profit (loss) to be appropriated9906€28k€15k▼
Transfer to equity691/2€28k€15k▼
To other reserves6921€28k€15k▼
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
19-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
15-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €28k ▲24.7%
Operating result €29k, net result €28k, both a record.
08-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
20-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
15-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
03-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €6k ▼54.3%
Net result drops to €6k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 2.63
Current ratio from 1.31 to 2.63.
11-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
20-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
06-06
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
2 directors, no change since 2023
Hilde Mostmans
CurrentDirector · since 06-12-2023
Luc Potters
CurrentDirector · since 06-12-2023
06-12-2023
Hilde Mostmans: Resigned as Director
06-12-2023
Hilde Mostmans: Appointed as Director
06-12-2023
Luc Potters: Resigned as Director
06-12-2023
Luc Potters: Appointed as Director
Location & real-estate footprint
Registered office, Beerse · 2 establishment units since 1996
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.
Eendenstraat 1A2340 BeerseGround area
4,485 m²
Building footprint
408 m²
Volume, LiDAR
1,886 m³
2 parcels, Flanders · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
MULTI-STONE
since 19962.077.138.204
Heuem 36-37, 4783 Sankt Vith
since 20152.245.617.207
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13004E0001/00Y060indicative | Flanders | 2,616 m² | 1 · 320 m² | 6.6 m · 1 fl. |
| 13004E0001/00B078 | Flanders | 1,869 m² | 1 · 88 m² | 7.7 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
1 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
Peggy MEIRESONNE
BE 0472.113.846
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IRMAR
BE 0792.878.097
Middelkerke · Eq €355k
NEMROD
BE 0429.196.987
Namur · Eq €418k
NIEUWHOF
BE 0433.855.957
Gistel · Eq €419k
LA MAISON KHNOPFF
BE 0458.721.611
Sint-Joost-ten-Node · Eq €424k
Of 730 companies in sector 55209 we hold annual accounts for 207. 126 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-06-1996
Fiscal year end31-12
Activities, NACEBEL
55209Other holiday and short-stay accommodation
56101Full-service restaurants
56111Full-service restaurants
74142
55900Accommodation
56210Event catering
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73300Public relations and communication consultancy
77210Renting and leasing of sports and recreation goods
82990Other business support services
93299Other amusement and recreation activities
Sources
Crossroads Bank for EnterprisesNational Bank · 29 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.