Stone Forum

Active

Private limited companyfounded 20205 yrs activeBouw 19, 1840 Londerzeel, BelgiumKBO/BCE: BE 0755.906.152

Summary

Stone Forum has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €149k and a net result of €30k. Equity is growing by ~30% per year across the filed fiscal years. Its solvency ranks better than 46% of 7750 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).

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Checked score

Score 2025

72 / 100

Healthy

The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability80▼-16

Solvency70▼-30

Growth52=

Track record94

Bankruptcy probability, 12 months

0.7% Low

0%0.5%1.5%4%10%≥ 25%

Credit up to €10k at 30 days acceptable

Liquidity ample (current ratio 2.9 against 25.29 in 2024; short-term debt: 27.7% and cash: 26.7% of total assets), but 54.5% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Four signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Lower-failure-rate sector

In this sector companies fail less often than the Belgian average.

Gazette · bankruptcies per sector, NACE 82

Relative position

BE, all sectors

reference

Sector 82

lower

← fewer bankruptcies more bankruptcies →

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

45.5%

Return on assets

9.1%

Age of the figures

9 mo

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 16-07-2026, 15 days ahead of the deadline.

NBB · 5 filings

Deviation from the deadline

2025

15 d early

2024

3 d early

2023

49 d late

2022

43 d late

2021

57 d late

← before the deadline after the deadline →

Checked, nothing found (2)

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 months

Position in the running window

24-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Turnover

€248k

EBIT margin

31.4%

Net result

€30k▼ 33.4%

2024 · €45k

2021: €61k 2022: €45k 2023: €47k 2024: €45k

2021 → 2025

Working capital

€172k▼ 11.9%

2024 · €195k

2021: €73k 2022: €102k 2023: €149k 2024: €195k

2021 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Turnover€248k-

Equity€63k-€108k▲ 71.2%€155k▲ 43.7%€199k▲ 28.8%€149k▼ 25.2%

Operating result€78k-€62k▼ 20.9%€62k▲ 0.7%€63k▲ 1.5%€41k▼ 34.8%

Net result€61k-€45k▼ 26.2%€47k▲ 5.2%€45k▼ 5.4%€30k▼ 33.4%

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 35% below 2024 and is the lowest result in the available series.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €328k

19.8%

80.2%

Fixed assets €65k ▲ 1,579%

Current assets €263k ▲ 29.1%

Equity and liabilities €328k

45.5%

54.5%

Equity €149k ▼ 25.2%

Debt €179k ▲ 2,118%

Debt's share of the balance-sheet total rises from 3.9% to 54.5%. Equity is lower and debt is higher.

Key figures and ratios

2025 value · change against 2024

EBITDA

€63k▼

2024 · €65k

Cash flow

€51k▲

2024 · €47k

Current ratio

2.90▼

2024 · 25.29

Debt to equity

1.20▲

2024 · 0.04

ROE

19.9%▼

2024 · 22.4%

ROA

9.1%▼

2024 · 21.5%

Interest coverage

14.29▼

2024 · 87.63

Debt ≤ 1 year

€91k▲

2024 · €8k

Debt > 1 year

€88k

Income taxes

€7k▼

2024 · €18k

Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Filed annual accounts As filed with the NBB · 2025 against 2024 · 41 lines

Balance sheet Code20242025

Assets

Total assets20/58€207k€328k▲

Fixed assets21/28€4k€65k▲

Tangible fixed assets22/27€4k€65k▲

Plant, machinery and equipment23€1k€63k▲

Furniture and vehicles24€3k€2k▼

Current assets29/58€204k€263k▲

Amounts receivable within one year40/41€51k€175k▲

Trade receivables40€26k€37k▲

Other amounts receivable41€24k€139k▲

Cash at bank and in hand54/58€130k€87k▼

Deferred charges and accrued income490/1€23k-

Equity and liabilities

Total equity and liabilities10/49€207k€328k▲

Equity10/15€199k€149k▼

Contributions10/11€3k€3k=

Reserves13€196k€146k▼

Distributable reserves133€196k€146k▼

Amounts payable17/49€8k€179k▲

Amounts payable after more than one year17-€88k

Financial debts170/4-€88k

Amounts payable within one year42/48€8k€91k▲

Current portion of amounts payable after more than one year42-€9k

Taxes, remuneration and social security45€8k€14k▲

Taxes450/3€6k€11k▲

Remuneration and social security454/9€3k€3k▲

Other amounts payable47/48-€68k

Income statement Code20242025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€22k▲

Other operating charges640/8€1k€814▼

Gross operating margin9900€66k€64k▼

Operating profit (loss)9901€63k€41k▼

Financial charges65/66B€743€4k▲

Recurring financial charges65€743€4k▲

Profit (loss) for the period before taxes9903€62k€37k▼

Income taxes67/77€18k€7k▼

Profit (loss) for the period9904€45k€30k▼

Profit (loss) for the period to be appropriated9905€45k€30k▼

Appropriation of the result

Profit (loss) to be appropriated9906€45k€30k▼

Transfer from equity791/2-€80k

Transfer to equity691/2€45k€30k▼

To other reserves6921€45k€30k▼

Profit to be distributed694/7-€80k

Return on contributions (dividend)694-€80k

The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 9Financial 4Filings 5

Next filing, fiscal year 2026, expected by 31-07-2027

2026

16-07

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

31-12

Financial Weakest financial yearnet €30k ▼33.4%

Net result drops to €30k, the lowest in the series.

28-07

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

31-12

Financial Liquidity doublescurrent ratio 25.29

Current ratio from 10.84 to 25.29; short-term debt falls from €15k to €8k.

18-09

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 49 days late

2023

31-12

Financial Equity above €150kEq €155k ▲43.7%

3 profitable years in a row build equity to €155k.

12-09

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 43 days late

2022

31-12

Financial Equity above €100kEq €108k ▲71.2%

2 profitable years in a row build equity to €108k.

26-09

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 57 days late

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, Londerzeel · 1 establishment unit since 2020

establishment The establishment unit on the map

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.

Bouw 191840 Londerzeel

Ground area

2,426 m²

Building footprint

241 m²

Volume, LiDAR

1,100 m³

Parcel 23080A0009/00N000, Flanders · tallest building 31.0 m, ±1 floor. Linked by address, not a title deed.

1 establishment unit

Stone Forum

Bouw 19, 1840 LonderzeelAgents specialised in the wholesale of other particular products

since 20202.308.126.777

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
23080A0009/00N000	Flanders	2,426 m²	1 · 241 m²	31.0 m · 1 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

2025 · 1 entry · 2,070 EUR awarded

Year	Entries	awarded	paid
2025	1	2,070 EUR	0 EUR

Schemes

Subsidies voor internationaal ondernemen

1 entry · 2,070 EUR · Vlaams Agentschap voor Internationaal Ondernemen

Similar companies · same sector, comparable size

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Saerens Management Services

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Boortmeerbeek · Eq €149,120

Of 24,500 companies in sector 82990 we hold annual accounts for 9,404. 7,128 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded08-10-2020

Fiscal year end31-12

Activities, NACEBEL 2025

82990Other business support services

Sources

Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers

Scores and ratios are computed by Checked and are not a credit decision.