STONE & CONCEPTION
ActiveSummary
STONE & CONCEPTION has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€210,396) and a net result of -€62,829. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 353 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency0=
Growth32=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.41 against 0.7 in 2024; short-term debt: 217% and cash: 2.1% of total assets), and equity is negative.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
-117%
Return on assets
-34.9%
Age of the figures
15 mo
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
Manufacture of other non-metallic mineral products (NACE 23)
about 17% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year -€210,396
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 29-01-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
217 d late
2023
1 d early
2022
4 d early
2021
6 d early
2020
27 d early
2019
57 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 17 days after the deadline; the sector median for financial year 2024 is 11 days before the deadline, and 34% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 29 January (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-06-2026 close29-09-2026 today31-01-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Turnover
€50,348
EBIT margin
-92.6%
Net result
-€62,829▲ 24.4%
2024 · -€83,105
Working capital
-€229,928▼ 33.7%
2024 · -€171,990
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 23, Manufacture of other non-metallic mineral products, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€50,348
Operating result€17,017-€3,310-€37,270▼ 1,026%-€79,733▼ 114%-€46,637▲ 41.5%
Net result€5,462within the sector's middle half-€13,097below the sector's middle half-€43,831below the sector's middle half▼ 235%-€83,105below the sector's middle half▼ 89.6%-€62,829below the sector's middle half▲ 24.4%
EBIT margin-92.6%
Equity-€7,534below the sector's middle half▲ 42.0%-€20,631below the sector's middle half▼ 174%-€64,462below the sector's middle half▼ 212%-€147,567below the sector's middle half▼ 129%-€210,396below the sector's middle half▼ 42.6%
Total assets€266,306within the sector's middle half▲ 4.0%€227,486within the sector's middle half▼ 14.6%€395,155within the sector's middle half▲ 73.7%€423,270within the sector's middle half▲ 7.1%€179,810within the sector's middle half▼ 57.5%
Debt€273,840▲ 1.8%€248,117▼ 9.4%€459,617▲ 85.2%€570,837▲ 24.2%€390,206▼ 31.6%
Working capital-€15,919below the sector's middle half▲ 36.8%-€40,615below the sector's middle half▼ 155%-€81,583below the sector's middle half▼ 101%-€171,990below the sector's middle half▼ 111%-€229,928below the sector's middle half▼ 33.7%
Solvency-2.8%below the sector's middle half▲ 2.2pp-9.1%below the sector's middle half▼ 6.2pp-16.3%below the sector's middle half▼ 7.2pp-34.9%below the sector's middle half▼ 18.6pp-117.0%below the sector's middle half▼ 82.1pp
Current ratio0.94below the sector's middle half▲ 0.040.84below the sector's middle half▼ 0.100.82below the sector's middle half▼ 0.010.70below the sector's middle half▼ 0.120.41below the sector's middle half▼ 0.29
Return on assets (ROA)2.1%within the sector's middle half▲ 9.4pp-5.8%below the sector's middle half▼ 7.8pp-11.1%below the sector's middle half▼ 5.3pp-19.6%below the sector's middle half▼ 8.5pp-34.9%below the sector's middle half▼ 15.3pp
Staff (FTE)4=3▼ 25.0%2.8▼ 6.7%2
above
within
below
the middle half (P25 to P75) of NACE 23, Manufacture of other non-metallic mineral products, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €46,637 in 2025 against €79,733 in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €179,810
Fixed assets
€19,532 ▼ 20.7%
Current assets
€160,278 ▼ 59.8%
Key figures and ratios
EBITDA
-€41,548
Cash flow
-€57,739
Quick ratio
0.10▼
2024 · 0.46
Debt to equity
-1.85▲
2024 · -3.87
Interest coverage
-2.57
Debt ≤ 1 year
€390,206▼
2024 · €570,638
Staff costs
€38,561▲
2024 · €36,315
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,622 companies that looked in July 2024 the way this one looks now, 4.6% went bankrupt within 24 months and 84% are still going.
- Micro
- 20 years or older
- negative equity
- a loss of 10% of the balance sheet or more
4.6%
went bankrupt
10.0%
stopped otherwise
84%
still going
A further 1.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 0.7% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 6,622 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | - | - | - | - | €50,348 | - |
| Remuneration, social security and pensions62 | - | €114,329 | €82,540 | €36,315 | €38,561 | ▲ 6.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €22,096 | €8,278 | €3,532 | - | €5,089 | - |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | €210 | - | - | - | - |
| Other operating charges640/8 | - | €8,538 | €14,594 | €11,752 | €12,440 | ▲ 5.9% |
| Gross operating margin9900 | €174,240 | €128,045 | €63,395 | -€31,666 | €9,454 | ▲ 130% |
| Operating profit (loss)9901 | €17,017 | -€3,310 | -€37,270 | -€79,733 | -€46,637 | ▲ 41.5% |
| Financial income75/76B | - | €6 | €1 | - | - | - |
| Recurring financial income75 | - | €6 | €1 | - | - | - |
| Financial charges65/66B | - | €9,793 | €6,561 | €3,372 | €16,192 | ▲ 380% |
| Recurring financial charges65 | €10,523 | €9,793 | €6,561 | €3,372 | €16,192 | ▲ 380% |
| Profit (loss) for the period before taxes9903 | €6,494 | -€13,097 | -€43,831 | -€83,105 | -€62,829 | ▲ 24.4% |
| Income taxes67/77 | €1,032 | - | - | - | - | - |
| Profit (loss) for the period9904 | €5,462 | -€13,097 | -€43,831 | -€83,105 | -€62,829 | ▲ 24.4% |
| Profit (loss) for the period to be appropriated9905 | €5,462 | -€13,097 | -€43,831 | -€83,105 | -€62,829 | ▲ 24.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €266,306 | €227,486 | €395,155 | €423,270 | €179,810 | ▼ 57.5% |
| Fixed assets21/28 | €22,025 | €20,653 | €17,122 | €24,622 | €19,532 | ▼ 20.7% |
| Tangible fixed assets22/27 | €21,728 | €20,356 | €16,824 | €24,325 | €19,235 | ▼ 20.9% |
| Land and buildings22 | - | €7,334 | €5,845 | €5,845 | €4,356 | ▼ 25.5% |
| Plant, machinery and equipment23 | - | €2,047 | €1,421 | €8,921 | €6,821 | ▼ 23.5% |
| Furniture and vehicles24 | - | €457 | €281 | €281 | €104 | ▼ 62.9% |
| Other tangible fixed assets26 | - | €10,519 | €9,278 | €9,278 | €7,954 | ▼ 14.3% |
| Financial fixed assets28 | €297 | €297 | €297 | €297 | €297 | = |
| Current assets29/58 | €244,280 | €206,833 | €378,033 | €398,648 | €160,278 | ▼ 59.8% |
| Stocks and contracts in progress3 | €134,913 | €137,731 | €137,731 | €137,731 | €122,231 | ▼ 11.3% |
| Stocks30/36 | - | €137,731 | €137,731 | €137,731 | €122,231 | ▼ 11.3% |
| Amounts receivable within one year40/41 | €87,842 | €57,842 | €186,517 | €205,754 | €34,328 | ▼ 83.3% |
| Trade receivables40 | - | €57,621 | €186,322 | €201,385 | €6,236 | ▼ 96.9% |
| Other amounts receivable41 | - | €221 | €195 | €4,369 | €28,092 | ▲ 543% |
| Current investments50/53 | €1 | €1 | €1 | €1 | - | - |
| Cash at bank and in hand54/58 | €18,336 | €9,129 | €52,333 | €53,711 | €3,719 | ▼ 93.1% |
| Deferred charges and accrued income490/1 | - | €2,130 | €1,452 | €1,451 | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €266,306 | €227,486 | €395,155 | €423,270 | €179,810 | ▼ 57.5% |
| Equity10/15 | -€7,534 | -€20,631 | -€64,462 | -€147,567 | -€210,396 | ▼ 42.6% |
| Contributions10/11 | - | €18,550 | €18,550 | €18,550 | €18,550 | = |
| Reserves13 | €1,855 | €1,855 | €1,855 | €1,855 | €1,855 | = |
| Non-distributable reserves130/1 | - | €1,855 | €1,855 | €1,855 | €1,855 | = |
| Reserves not available under the articles1311 | - | €1,855 | €1,855 | €1,855 | €1,855 | = |
| Profit (loss) carried forward14 | -€27,939 | -€41,036 | -€84,867 | -€167,972 | -€230,801 | ▼ 37.4% |
| Amounts payable17/49 | €273,840 | €248,117 | €459,617 | €570,837 | €390,206 | ▼ 31.6% |
| Amounts payable after more than one year17 | €13,641 | €669 | - | - | - | - |
| Financial debts170/4 | - | €669 | - | - | - | - |
| Amounts payable within one year42/48 | €260,199 | €247,448 | €459,617 | €570,638 | €390,206 | ▼ 31.6% |
| Current portion of amounts payable after more than one year42 | - | €12,972 | €5,836 | €5,836 | - | - |
| Financial debts43 | - | €125,000 | €176,137 | €176,137 | €165,213 | ▼ 6.2% |
| Credit institutions430/8 | - | €125,000 | €176,137 | €176,137 | €165,213 | ▼ 6.2% |
| Trade debts44 | €81,416 | €70,990 | €135,622 | €156,867 | €51,662 | ▼ 67.1% |
| Suppliers440/4 | - | €70,990 | €135,622 | €156,867 | €51,662 | ▼ 67.1% |
| Taxes, remuneration and social security45 | - | €6,133 | €42,266 | €87,199 | €60,624 | ▼ 30.5% |
| Taxes450/3 | - | €1,187 | €5,602 | €29,912 | €30,907 | ▲ 3.3% |
| Remuneration and social security454/9 | - | €4,946 | €36,664 | €57,287 | €29,717 | ▼ 48.1% |
| Other amounts payable47/48 | - | €32,353 | €99,756 | €144,599 | €112,708 | ▼ 22.1% |
| Accrued charges and deferred income492/3 | - | - | - | €199 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €5,462 | -€13,097 | -€43,831 | -€83,105 | -€62,829 | ▲ 24.4% |
| + Depreciation and write-downs630 | €22,096 | €8,278 | €3,532 | - | €5,089 | - |
| Operating cash flow (approximation) | €27,557 | -€4,819 | -€40,299 | -€83,105 | -€57,739 | ▲ 30.5% |
| Investment in fixed assets (approximation) | - | -€6,906 | €0 | -€7,500 | €0 | ▲ 100% |
| Change in cash | - | -€9,207 | €43,204 | €1,378 | -€49,992 | ▼ 3,728% |
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
29-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
05-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 217 days late
2024
30-06
Financial
Weakest financial yearnet -€83,105
Net result drops to -€83,105, the lowest in the series; recovery starts the following year.
30-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
27-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
25-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Back to profitnet €5,462
Net result €5,462 after 2 loss-making years.
04-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
05-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
13-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
21-12
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
30-01
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 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
5 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, Gembloux · 1 establishment unit since 2005
Ground area
486 m²
Building footprint
238 m²
Volume, LiDAR
1,800 m³
Parcel 92085B0031/00F003, Wallonia · tallest building 10.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Stone & Conception
since 20052.156.990.384
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92085B0031/00F003 | Wallonia | 486 m² | 1 · 238 m² | 10.7 m · 3 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.
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Of 737 companies in sector 23700 we hold annual accounts for 489. 92 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
Founded17-07-2000
Fiscal year end30-06
Activities, NACEBEL 2025
23700Cutting, shaping and finishing of stone
47521Retail sale of hardware, building materials, paint and glass (general range)
Contact
E-mail
info@stoneconception.beGembloux
Phone
081/633249Gembloux
Fax
081/634420Gembloux
E-invoicing
Reachable via Peppol
Peppol ID
0208:0472378914
Also
9925:BE0472378914
Registered
20-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.