STONE & PERSPECTIVES
ActiveSTONE & PERSPECTIVES has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €800k and a net result of €15k. Equity is growing by ~28.3% per year across the filed fiscal years. Its solvency ranks better than 88% of 4809 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2024
77
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability71▲+9
Solvency100▲+31
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €60k at 30 days acceptable
Liquidity ample (current ratio 8.12 against 1.78 in 2023; short-term debt: 12.1% and cash: 2.4% of total assets), and 12.1% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
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
87.9%
Return on assets
1.7%
Age of the figures
21 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
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 25-07-2025, 6 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
6 d early
2023
26 d late
2022
21 d early
2021
19 d late
2020
18 d late
2019
52 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€15k▼ 81.0%
2023 · €79k
2018: €-50k
2019: €136k
2020: €239k
2021: €154k
2022: €304k
2023: €79k
2018 → 2024
Working capital
€785k▲ 2.0%
2023 · €770k
2018: €55k
2019: €203k
2020: €430k
2021: €481k
2022: €692k
2023: €770k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€428k-€492k▲ 15.0%€706k▲ 43.5%€785k▲ 11.2%€800k▲ 1.9%
Operating result€332k-€216k▼ 34.8%€437k▲ 102%€147k▼ 66.4%€26k▼ 82.0%
Net result€239k-€154k▼ 35.6%€304k▲ 97.1%€79k▼ 73.9%€15k▼ 81.0%
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2024 is 82% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €911k
Fixed assets
€15k▼ 35.2%
Current assets
€896k▼ 48.9%
Equity and liabilities €911k
Equity
€800k▲ 1.9%
Debt
€110k▼ 88.9%
The debt ratio falls from 55.8% to 12.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€34k▼
2023 · €155k
Cash flow
€23k▼
2023 · €87k
Solvency
87.9%▲
2023 · 44.2%
Current ratio
8.12▲
2023 · 1.78
Quick ratio
0.23▼
2023 · 0.97
Debt / equity
0.14▼
2023 · 1.26
ROE
1.9%▼
2023 · 10.1%
ROA
1.7%▼
2023 · 4.5%
Interest coverage
11.39▲
2023 · 4.55
Debt
€110k▼
2023 · €990k
Debt ≤ 1 year
€110k▼
2023 · €982k
Debt > 1 year
€0▼
2023 · €8k
Income taxes
€8k▼
2023 · €33k
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€1.78M€911k▼
Fixed assets21/28€23k€15k▼
Tangible fixed assets22/27€23k€15k▼
Furniture and vehicles24€23k€15k▼
Current assets29/58€1.75M€896k▼
Stocks and contracts in progress3€803k€870k▲
Stocks30/36€803k€870k▲
Amounts receivable within one year40/41€915k€654▼
Trade receivables40€915k€654▼
Other amounts receivable41€0-
Cash at bank and in hand54/58€32k€22k▼
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€1.78M€911k▼
Equity10/15€785k€800k▲
Contributions10/11€163k€163k=
Capital10€163k€163k=
Issued capital100€163k€163k=
Reserves13€623k€638k▲
Non-distributable reserves130/1€16k€16k=
Legal reserve130€16k€16k=
Distributable reserves133€606k€621k▲
Profit (loss) carried forward14€0-
Amounts payable17/49€990k€110k▼
Amounts payable after more than one year17€8k€0▼
Financial debts170/4€8k€0▼
Amounts payable within one year42/48€982k€110k▼
Current portion of amounts payable after more than one year42€10k€8k▼
Financial debts43€557k€49▼
Credit institutions430/8€557k€49▼
Trade debts44€120k€52k▼
Suppliers440/4€120k€52k▼
Taxes, remuneration and social security45€154k€46k▼
Taxes450/3€154k€46k▼
Other amounts payable47/48€141k€4k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€8k=
Other operating charges640/8€9k€8k▼
Gross operating margin9900€164k€42k▼
Operating profit (loss)9901€147k€26k▼
Financial income75/76B€4€18▲
Recurring financial income75€4€18▲
Financial charges65/66B€34k€3k▼
Recurring financial charges65€34k€3k▼
Profit (loss) for the period before taxes9903€113k€23k▼
Income taxes67/77€33k€8k▼
Profit (loss) for the period9904€79k€15k▼
Profit (loss) for the period to be appropriated9905€79k€15k▼
Appropriation of the result
Profit (loss) to be appropriated9906€79k€15k▼
Transfer from equity791/2€0-
Transfer to equity691/2€79k€15k▼
To other reserves6921€79k€15k▼
Profit to be distributed694/7€0-
Return on contributions (dividend)694€0-
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Liquidity times 5current ratio 8.12
Current ratio from 1.78 to 8.12; short-term debt falls from €982k to €110k.
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 26 days late
2023
10-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Highest result since 2018net €304k ▲97.1%
Operating result €437k, net result €304k, both a record.
31-12
Financial
Equity above €500kEq €706k ▲43.5%
4 profitable years in a row build equity to €706k.
19-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 19 days late
2021
18-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 18 days late
2020
31-12
Financial
Liquidity doublescurrent ratio 2.79
Current ratio from 1.23 to 2.79; short-term debt falls from €879k to €240k.
31-12
Financial
Equity above €200kEq €428k ▲127%
2 profitable years in a row build equity to €428k.
21-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 52 days late
2019
31-12
Financial
Back to profitnet €136k
Net result €136k after one loss-making year.
31-12
Financial
Equity above €150kEq €189k ▲262%
Equity rises from €52k to €189k.
25-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
26-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
27-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2016
27-07
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Anderlecht · 1 establishment unit since 2014
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.
Limnanderstraat 201070 AnderlechtGround area
343 m²
Building footprint
328 m²
Volume, LiDAR
5,955 m³
Parcel 21305B0204/00L035, Brussels · tallest building 21.3 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
Stone & Perspectives
since 20142.235.881.177
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21305B0204/00L035 | Brussels | 343 m² | 1 · 328 m² | 21.3 m · 6 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.
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Of 7,321 companies in sector 68110 we hold annual accounts for 5,382. 3,394 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded04-09-2014
Fiscal year end31-12
Activities, NACEBEL
68110Buying and selling of own real estate
68121Development of residential building projects
68122Development of non-residential building projects
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.