STONE DESIGN CONCEPT
ActiveSTONE DESIGN CONCEPT has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €413k and a net result of €134k. Equity is growing by ~47% per year across the filed fiscal years. Its solvency ranks better than 61% of 11238 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2025
79
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability91▲+4
Solvency81▲+13
Growth78=
Track record94
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 5.49 against 2.97 in 2024; short-term debt: 10.8% and cash: 35.9% of total assets), and 44.4% 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
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← 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 2025Solvency, return and age of the figures
Solvency
55.6%
Return on assets
18%
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 30-01-2026, 1 day ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
1 d early
2024
10 d early
2023
12 d early
2022
17 d early
← 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 close18-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€413k▲ 47.5%
2024 · €280k
2022: €78k
2023: €184k
2024: €280k
2022 → 2025
Total assets
€743k▲ 14.8%
2024 · €647k
2022: €166k
2023: €268k
2024: €647k
2022 → 2025
Net result
€134k▲ 40.1%
2024 · €96k
2022: €76k
2023: €108k
2024: €96k
2022 → 2025
Working capital
€359k▲ 52.5%
2024 · €235k
2022: €75k
2023: €175k
2024: €235k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€78k-€184k▲ 136%€280k▲ 51.9%€413k▲ 47.5%
Operating result€114k-€149k▲ 30.8%€138k▼ 7.0%€192k▲ 39.3%
Net result€76k-€108k▲ 41.1%€96k▼ 11.4%€134k▲ 40.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 39% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €743k
Fixed assets
€304k▲ 4.0%
Current assets
€439k▲ 23.6%
Equity and liabilities €743k
Equity
€413k▲ 47.5%
Debt
€330k▼ 10.2%
The debt ratio falls from 56.8% to 44.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€226k▲
2024 · €178k
Cash flow
€167k▲
2024 · €136k
Solvency
55.6%▲
2024 · 43.2%
Current ratio
5.49▲
2024 · 2.97
Quick ratio
4.19▲
2024 · 2.02
Debt / equity
0.80▼
2024 · 1.31
ROE
32.4%▼
2024 · 34.2%
ROA
18.0%▲
2024 · 14.8%
Interest coverage
22.95▼
2024 · 33.47
Debt
€330k▼
2024 · €367k
Debt ≤ 1 year
€80k▼
2024 · €120k
Debt > 1 year
€249k▲
2024 · €247k
Income taxes
€53k▲
2024 · €38k
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€647k€743k▲
Fixed assets21/28€292k€304k▲
Tangible fixed assets22/27€292k€304k▲
Land and buildings22€274k€248k▼
Plant, machinery and equipment23€11k€50k▲
Furniture and vehicles24€2k€543▼
Other tangible fixed assets26€5k€5k▲
Current assets29/58€355k€439k▲
Stocks and contracts in progress3€113k€104k▼
Stocks30/36€113k€104k▼
Amounts receivable within one year40/41€47k€67k▲
Trade receivables40€30k€57k▲
Other amounts receivable41€17k€10k▼
Cash at bank and in hand54/58€194k€267k▲
Deferred charges and accrued income490/1€713€841▲
Equity and liabilities
Total equity and liabilities10/49€647k€743k▲
Equity10/15€280k€413k▲
Contributions10/11€3k€3k=
Reserves13€277k€410k▲
Tax-exempt reserves132€111k€177k▲
Distributable reserves133€166k€233k▲
Amounts payable17/49€367k€330k▼
Amounts payable after more than one year17€247k€249k▲
Financial debts170/4€242k€233k▼
Advances received on contracts in progress176€5k€16k▲
Amounts payable within one year42/48€120k€80k▼
Current portion of amounts payable after more than one year42€9k€9k▲
Trade debts44€82k€40k▼
Suppliers440/4€82k€40k▼
Advances received on contracts in progress46-€10k
Taxes, remuneration and social security45€27k€19k▼
Taxes450/3€27k€19k▼
Other amounts payable47/48€3k€1k▼
Accrued charges and deferred income492/3€598€693▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€40k€33k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€3k
Other operating charges640/8€3k€2k▼
Gross operating margin9900€181k€230k▲
Operating profit (loss)9901€138k€192k▲
Financial income75/76B€602€5k▲
Recurring financial income75€334€2k▲
Non-recurring financial income76B€268€3k▲
Financial charges65/66B€5k€10k▲
Recurring financial charges65€5k€10k▲
Profit (loss) for the period before taxes9903€133k€187k▲
Income taxes67/77€38k€53k▲
Profit (loss) for the period9904€96k€134k▲
Transfer to tax-exempt reserves689€48k€66k▲
Profit (loss) for the period to be appropriated9905€48k€68k▲
Appropriation of the result
Profit (loss) to be appropriated9906€48k€68k▲
Transfer to equity691/2€48k€67k▲
To other reserves6921€48k€67k▲
Profit to be distributed694/7-€833
Return on contributions (dividend)694-€833
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
Next filing, fiscal year 2026, expected by
2026
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Highest result since 2022net €134k ▲40.1%
Operating result €192k, net result €134k, both a record.
21-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Equity above €200kEq €280k ▲51.9%
3 profitable years in a row build equity to €280k.
19-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Equity above €150kEq €184k ▲136%
2 profitable years in a row build equity to €184k.
14-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro 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, Hensies · 1 establishment unit since 2021
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 de Cantrène(TH) 37350 HensiesGround area
8,115 m²
Building footprint
183 m²
Volume, LiDAR
931 m³
Parcel 53076A0962/00B000, Wallonia · tallest building 12.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
STONE DESIGN CONCEPT
since 20212.318.917.632
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53076A0962/00B000 | Wallonia | 8,115 m² | 1 · 183 m² | 12.5 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.
Similar companies · same sector, comparable size
EUROVENTES
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eWTP Digital Services (Belgium)
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16PA
BE 1015.361.455
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MARINE CONSULTANTS RUHLMANN
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Of 6,156 companies in sector 46190 we hold annual accounts for 2,567. 1,627 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-06-2021
Fiscal year end30-06
Abbreviation FR
STONE DESIGN
Activities, NACEBEL
46190Agents in non-specialised wholesale trade
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.