POTIER STONE
ActivePOTIER STONE has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €1.51M and a net result of €57k. Equity is growing by ~19.1% per year across the filed fiscal years. Its solvency ranks better than 35% of 324 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2024
64
/ 100
Healthy▼ -4 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability19▼-36
Solvency64▲+7
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €95k at 30 days acceptable
Liquidity tight (current ratio 1.44 against 1.45 in 2023), and 65.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers 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 →
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
34.5%
Return on assets
1.3%
Age of the figures
20 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 10-07-2025, 21 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
21 d early
2023
36 d early
2022
24 d early
2021
25 d early
2020
31 d late
2019
19 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€1.51M▲ 3.9%
2023 · €1.45M
2019: €588k
2020: €651k
2021: €950k
2022: €1.29M
2023: €1.45M
2019 → 2024
Total assets
€4.37M▼ 8.9%
2023 · €4.80M
2019: €2.48M
2020: €3.00M
2021: €3.42M
2022: €3.65M
2023: €4.80M
2019 → 2024
Net result
€57k▼ 64.1%
2023 · €159k
2019: €69k
2020: €63k
2021: €299k
2022: €340k
2023: €159k
2019 → 2024
Working capital
€806k▼ 12.8%
2023 · €925k
2019: €542k
2020: €631k
2021: €834k
2022: €1.13M
2023: €925k
2019 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€651k-€950k▲ 46.0%€1.29M▲ 35.8%€1.45M▲ 12.3%€1.51M▲ 3.9%
Operating result€113k-€422k▲ 274%€493k▲ 16.9%€239k▼ 51.5%€170k▼ 29.0%
Net result€63k-€299k▲ 374%€340k▲ 13.6%€159k▼ 53.3%€57k▼ 64.1%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2024 is 29% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €4.37M
Fixed assets
€1.71M▼ 5.9%
Current assets
€2.66M▼ 10.7%
Equity and liabilities €4.37M
Equity
€1.51M▲ 3.9%
Debt
€2.86M▼ 14.5%
The debt ratio falls from 69.8% to 65.5%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€313k▼
2023 · €561k
Cash flow
€200k▼
2023 · €481k
Solvency
34.5%▲
2023 · 30.2%
Current ratio
1.44▼
2023 · 1.45
Quick ratio
0.33▼
2023 · 0.49
Debt / equity
1.90▼
2023 · 2.31
ROE
3.8%▼
2023 · 11.0%
ROA
1.3%▼
2023 · 3.3%
Interest coverage
3.19▼
2023 · 13.38
Debt
€2.86M▼
2023 · €3.35M
Debt ≤ 1 year
€1.85M▼
2023 · €2.05M
Debt > 1 year
€912k▼
2023 · €1.24M
Income taxes
€29k▼
2023 · €65k
Staff costs
€1.63M▲
2023 · €1.61M
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€4.80M€4.37M▼
Fixed assets21/28€1.82M€1.71M▼
Intangible fixed assets21€8k€4k▼
Tangible fixed assets22/27€1.80M€1.69M▼
Land and buildings22€1.36M€1.36M=
Plant, machinery and equipment23€123k€102k▼
Furniture and vehicles24€70k€48k▼
Leasing and similar rights25€212k€148k▼
Other tangible fixed assets26€36k€30k▼
Assets under construction and advance payments27-€9k
Financial fixed assets28€14k€14k=
Current assets29/58€2.98M€2.66M▼
Stocks and contracts in progress3€1.97M€2.05M▲
Stocks30/36€1.67M€1.81M▲
Contracts in progress37€303k€246k▼
Amounts receivable within one year40/41€817k€510k▼
Trade receivables40€656k€424k▼
Other amounts receivable41€161k€86k▼
Cash at bank and in hand54/58€183k€86k▼
Deferred charges and accrued income490/1€4k€8k▲
Equity and liabilities
Total equity and liabilities10/49€4.80M€4.37M▼
Equity10/15€1.45M€1.51M▲
Contributions10/11€500k€500k=
Reserves13€940k€1.00M▲
Distributable reserves133€940k€1.00M▲
Profit (loss) carried forward14€9k€6k▼
Amounts payable17/49€3.35M€2.86M▼
Amounts payable after more than one year17€1.24M€912k▼
Financial debts170/4€1.24M€912k▼
Other amounts payable178/9€0-
Amounts payable within one year42/48€2.05M€1.85M▼
Current portion of amounts payable after more than one year42€356k€348k▼
Financial debts43€500k€650k▲
Credit institutions430/8€500k€650k▲
Trade debts44€1.10M€765k▼
Suppliers440/4€1.10M€765k▼
Advances received on contracts in progress46€0-
Taxes, remuneration and social security45€70k€69k▼
Taxes450/3€2k€86▼
Remuneration and social security454/9€68k€69k▲
Other amounts payable47/48€29k€18k▼
Accrued charges and deferred income492/3€56k€101k▲
Income statement
Code20232024
Non-recurring operating income76A€23k€60▼
Remuneration, social security and pensions62€1.61M€1.63M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€322k€143k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€40k
Other operating charges640/8€79k€22k▼
Gross operating margin9900€2.25M€2.01M▼
Operating profit (loss)9901€239k€170k▼
Financial income75/76B€26k€15k▼
Recurring financial income75€26k€15k▼
Financial charges65/66B€42k€98k▲
Recurring financial charges65€42k€98k▲
Profit (loss) for the period before taxes9903€224k€86k▼
Income taxes67/77€65k€29k▼
Profit (loss) for the period9904€159k€57k▼
Profit (loss) for the period to be appropriated9905€159k€57k▼
Appropriation of the result
Profit (loss) to be appropriated9906€199k€66k▼
Profit (loss) brought forward from the previous period14P€40k€9k▼
Transfer to equity691/2€190k€60k▼
To other reserves6921€190k€60k▼
Social balance
Average headcount (FTE)908723.423.4=
The notes to these accounts (30 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
10-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Weakest financial yearnet €57k ▼64.1%
Net result drops to €57k, the lowest in the series.
25-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
07-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Highest result since 2019net €340k ▲13.6%
Operating result €493k, net result €340k, both a record.
31-12
Financial
Equity above €1MEq €1.29M ▲35.8%
4 profitable years in a row build equity to €1.29M.
06-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
2020
10-02
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
06-02
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
17-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 17 days late
2016
03-02
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
10 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, Maldegem · 1 establishment unit since 2007
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.
Vliegplein 649991 MaldegemGround area
5,381 m²
Building footprint
1,579 m²
Volume, LiDAR
10,626 m³
Parcel 43001H0444/00H000, Flanders · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
POTIER STONE
since 20072.162.877.195
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 43001H0444/00H000 | Flanders | 5,381 m² | 1 · 1,579 m² | 7.7 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 616 EUR awarded · 616 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 190 EUR | 190 EUR |
| 2024 | 1 | 151 EUR | 151 EUR |
| 2023 | 1 | 0 EUR | 275 EUR |
| 2022 | 1 | 275 EUR | 0 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
INTERSTONE
BE 0870.723.171
Lier · Eq €1.51M
FELLER CONCASSAGES
BE 0477.020.264
Comblain-au-Pont · Eq €1.52M
MAGMA NATUURSTEEN
BE 0452.121.354
Tielt · Eq €1.49M
GIELKENS
BE 0440.781.361
Bilzen-Hoeselt · Eq €1.52M
Amant
BE 0471.998.634
Evergem · Eq €1.57M
Of 736 companies in sector 23700 we hold annual accounts for 489. 301 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-04-2007
Fiscal year end31-12
Activities, NACEBEL
23700Cutting, shaping and finishing of stone
26700
08111Other mining and quarrying
43240Other construction installation
43299Specialised construction activities
43331Floor and wall tiling
43990Other specialised construction activities
43999Specialised construction activities
45250
47551Retail sale of household furniture
47591Retail trade
52441
Sources
Crossroads Bank for EnterprisesNational Bank · 17 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.