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STONE PARTNERS

Active
Private limited company (pre-2019)founded 201115 yrs activeChaussée de Dinant(WP) 1322, 5100 Namur, BelgiumKBO/BCE: BE 0839.176.197
Summary

STONE PARTNERS has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €43,424 and a net result of €7,586. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 35% of 8982 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).

Risk analysisWatch ReportCompare
STONE PARTNERSActiveChecked score 64/100
Risk analysis ReportCompare

Overview

Activity
General construction of residential buildings
NACE 41001General construction of buildings NACE 41201
1 site
Size
€151,096total assets 2025
Equity
€43,424
Profit
€7,586
Turnover not published (abridged schema)
Financial health
64 Healthy Checked score 2025
Bankruptcy chance 12 m
1.4%
Structure
Accounts 3 d early0 of 6 deeds read
Why 64- 1 change of registered office in 24 months- Sector Construction of residential and non-residential buildings (NACE 41)- Size: total assets €151,096+ Figures for FY 2025 (filed 28-07-2026)Show the evidence

Checked score

Score 2025
64 / 100
Healthy
Probability in this band: 0.55% to 1.5%
Better than 41% of its sector peers (NACE 41, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Average
Solvency 54+3
equity 28.7% of total assets
Liquidity 16+6
short-term debt 71.3% · cash 3.5%
Profitability 75-11
return on assets 5.0%
Bankruptcy probability, 12 months
1.4% Low
0%0.5%1.5%4%10%≥ 25%

About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.5% (13,373 companies)
Last 24 months 11-2024: 3.0% 12-2024: 3.0%● 0.0% vs 11-2024 01-2025: 3.0%● 0.0% vs 12-2024 02-2025: 3.0%● 0.0% vs 01-2025 03-2025: 3.0%● 0.0% vs 02-2025 04-2025: 3.0%▼ -0.4% vs 03-2025 05-2025: 2.9%▼ -4.6% vs 04-2025 06-2025: 2.8%▼ -3.3% vs 05-2025 07-2025: 3.0%▲ +8.7% vs 06-2025 08-2025: 6.8%▲ +123% vs 07-2025highest value 09-2025: 4.0%▼ -41.1% vs 08-2025 10-2025: 4.0%● 0.0% vs 09-2025 11-2025: 4.0%● 0.0% vs 10-2025 12-2025: 4.0%● 0.0% vs 11-2025 01-2026: 4.0%● 0.0% vs 12-2025 02-2026: 4.0%● 0.0% vs 01-2026 03-2026: 4.0%● 0.0% vs 02-2026 04-2026: 4.2%▲ +5.5% vs 03-2026 05-2026: 4.6%▲ +9.3% vs 04-2026 06-2026: 4.5%▼ -2.4% vs 05-2026 07-2026: 4.5%▲ +0.3% vs 06-2026 08-2026: 1.4%▼ -68.6% vs 07-2026lowest value 09-2026: 1.4%● 0.0% vs 08-2026lowest value 10-2026: 1.4%● 0.0% vs 09-2026lowest value
  • 1 change of registered office in 24 months raises the probability
  • Sector Construction of residential and non-residential buildings (NACE 41) raises the probability
  • Size: total assets €151,096 raises the probability for this profile
  • Figures for FY 2025 (filed 28-07-2026) lowers the probability
Credit up to €2,500 at 30 days acceptable
Liquidity tight (current ratio 1.37 against 1.32 in 2024; short-term debt: 71.3% and cash: 3.5% of total assets), and 71.3% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 41, micro). Better than this share of them on solvency 36%, liquidity 13%, profitability 52%, growth against the median 65%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 04-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

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Signals

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · 1 change of registered office in 24 months
In the bankruptcy model this factor raises the probability.
Belgian State Gazette
raises risk · Sector Construction of residential and non-residential buildings (NACE 41)
In the bankruptcy model this factor raises the probability.
KBO
raises risk · Size: total assets €151,096
In the bankruptcy model this factor raises the probability for this profile.
NBB · annual accounts
lowers risk · Figures for FY 2025 (filed 28-07-2026)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025
Equity per financial year
1819202122232425
2018 to 2025 · latest year €43,424
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 28-07-2026, 3 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
3 d early
2024
6 d late
2023
28 d late
2022
58 d late
2021
92 d late
2020
90 d late
2019
122 d late
← 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 56 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.

Checked, nothing found (2)
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. Usually files around 29 August (4 of the last 5 filed years within 32 days of that day).
Companies Code · seven months
Position in the running window
05-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · 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
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Annual accounts filedfiscal year 2024 · micro…
  3. Annual accounts filedfiscal year 2023 · micro…

Key points

  • Positive: 5 profitable years in a rowprofit 2025: €7,586 5 years View
  • Total assets 20256 fiscal years filed €151,096 View
  • Active since 2011founded 09-09-2011 15 years View

By topic

Financials

Fiscal year
2025
Total assets
€151,096
Profit
€7,586
Solvency
28.7%
Total assets▲ 9.6%
Net result
20182025
Go to Financials

Timeline

Events
13
Since
2017
Next accounts
by 31-07-2027
  1. 28-07-2026Annual accounts filed
  2. 06-08-2025Annual accounts filed
  3. 28-08-2024Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company (pre-2019)
Activity
General construction of residential buildingsNACE 41001
Founded
09-09-2011
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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