STONE-QUALITY
ActiveSummary
STONE-QUALITY has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €102k and a net result of €38k. Equity is growing by ~16.3% per year across the filed fiscal years. Its solvency ranks better than 32% of 14128 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability73▲+35
Solvency34▼-1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity tight (current ratio 1.19 against 1.23 in 2024; short-term debt: 82.7% and cash: 3.5% of total assets), and 90.6% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers 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
Real estate activities (NACE 68)
about 43% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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 · 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
9.4%
Return on assets
3.5%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 09-09-2026, 40 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
40 d late
2024
28 d late
2023
5 d early
2022
28 d late
2021
12 d early
2020
27 d late
2019
140 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€102k▲ 0.6%
2024 · €101k
Total assets
€1.08M▲ 10.6%
2024 · €977k
Net result
€38k▲ 12,842%
2024 · €291
Working capital
€169k▼ 8.3%
2024 · €184k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€188k▲ 99.5%€164k▼ 12.6%€3k▼ 98.3%€2k▼ 29.3%€40k▲ 1,948%
Net result€159k▲ 101%€155k▼ 2.4%€-2k€291€38k▲ 12,842%
Equity€97k▲ 152%€103k▲ 5.2%€101k▼ 1.8%€101k▲ 0.3%€102k▲ 0.6%
Total assets€1.67M▲ 3.2%€1.57M▼ 5.9%€1.48M▼ 6.0%€977k▼ 33.9%€1.08M▲ 10.6%
Debt€1.49M▼ 0.5%€1.39M▼ 6.9%€1.30M▼ 6.6%€797k▼ 38.6%€899k▲ 12.9%
Working capital€183k▲ 51.3%€188k▲ 3.0%€190k▲ 0.6%€184k▼ 2.8%€169k▼ 8.3%
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 1,948% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.08M
Fixed assets
€18k
Current assets
€1.06M
Equity and liabilities €1.08M
Equity
€102k ▲ 0.6%
Provisions
€79k =
Debt
€899k ▲ 12.9%
Debt's share of the balance-sheet total rises from 81.6% to 83.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€42k
Cash flow
€40k
Current ratio
1.19▼
2024 · 1.23
Quick ratio
0.33▼
2024 · 0.91
Debt to equity
8.86▲
2024 · 7.90
ROE
37.1%▲
2024 · 0.3%
ROA
3.5%▲
2024 · 0.0%
Interest coverage
6.25
Debt ≤ 1 year
€893k▲
2024 · €793k
Income taxes
€649▼
2024 · €971
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | - | €7k | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €0 | - | - | - | €2k | - |
| Other operating charges640/8 | €2k | €6k | €2k | €2k | €28k | ▲ 1,731% |
| Gross operating margin9900 | €190k | €170k | €5k | €3k | €70k | ▲ 1,911% |
| Operating profit (loss)9901 | €188k | €164k | €3k | €2k | €40k | ▲ 1,948% |
| Financial income75/76B | €2k | €5k | €5k | €3k | €5k | ▲ 57.1% |
| Recurring financial income75 | €2k | €5k | €5k | €3k | €5k | ▲ 57.1% |
| Financial charges65/66B | €10k | €10k | €10k | €4k | €7k | ▲ 71.7% |
| Recurring financial charges65 | €10k | €10k | €10k | €4k | €7k | ▲ 71.7% |
| Profit (loss) for the period before taxes9903 | €180k | €159k | €-2k | €1k | €38k | ▲ 2,933% |
| Income taxes67/77 | €21k | €3k | €147 | €971 | €649 | ▼ 33.2% |
| Profit (loss) for the period9904 | €159k | €155k | €-2k | €291 | €38k | ▲ 12,842% |
| Profit (loss) for the period to be appropriated9905 | €159k | €155k | €-2k | €291 | €38k | ▲ 12,842% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.67M | €1.57M | €1.48M | €977k | €1.08M | ▲ 10.6% |
| Fixed assets21/28 | - | - | - | - | €18k | - |
| Tangible fixed assets22/27 | - | - | - | - | €18k | - |
| Furniture and vehicles24 | - | - | - | - | €18k | - |
| Current assets29/58 | €1.67M | €1.57M | €1.48M | €977k | €1.06M | ▲ 8.7% |
| Stocks and contracts in progress3 | €946k | €746k | €830k | €257k | €770k | ▲ 200% |
| Stocks30/36 | €946k | €746k | €830k | €257k | €770k | ▲ 200% |
| Amounts receivable within one year40/41 | €202k | €457k | €553k | €180k | €251k | ▲ 39.9% |
| Trade receivables40 | €202k | €433k | €503k | €166k | €198k | ▲ 19.0% |
| Other amounts receivable41 | €0 | €24k | €51k | €14k | €54k | ▲ 292% |
| Cash at bank and in hand54/58 | €520k | €368k | €94k | €540k | €38k | ▼ 92.9% |
| Deferred charges and accrued income490/1 | €467 | €560 | €38 | €335 | €2k | ▲ 549% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.67M | €1.57M | €1.48M | €977k | €1.08M | ▲ 10.6% |
| Equity10/15 | €97k | €103k | €101k | €101k | €102k | ▲ 0.6% |
| Contributions10/11 | €19k | €19k | €19k | €19k | €19k | = |
| Reserves13 | €79k | €84k | €82k | €82k | €83k | ▲ 0.8% |
| Non-distributable reserves130/1 | €2k | €2k | €0 | - | - | - |
| Reserves not available under the articles1311 | €2k | €2k | €0 | - | - | - |
| Distributable reserves133 | €77k | €82k | €82k | €82k | €83k | ▲ 0.8% |
| Profit (loss) carried forward14 | €0 | €0 | €0 | - | €0 | - |
| Provisions and deferred taxes16 | €79k | €79k | €79k | €79k | €79k | = |
| Provisions for liabilities and charges160/5 | €79k | €79k | €79k | €79k | €79k | = |
| Major repairs and maintenance162 | €79k | €79k | €79k | €79k | €79k | = |
| Amounts payable17/49 | €1.49M | €1.39M | €1.30M | €797k | €899k | ▲ 12.9% |
| Amounts payable within one year42/48 | €1.49M | €1.38M | €1.29M | €793k | €893k | ▲ 12.7% |
| Financial debts43 | €306k | €17 | €0 | - | - | - |
| Credit institutions430/8 | €306k | €17 | €0 | - | - | - |
| Trade debts44 | €523k | €769k | €709k | €75k | €85k | ▲ 13.3% |
| Suppliers440/4 | €523k | €769k | €709k | €75k | €85k | ▲ 13.3% |
| Advances received on contracts in progress46 | €195k | €0 | - | - | - | - |
| Taxes, remuneration and social security45 | €14k | €5k | €155 | €1k | €1k | ▼ 5.9% |
| Taxes450/3 | €14k | €5k | €155 | €1k | €1k | ▼ 5.9% |
| Other amounts payable47/48 | €447k | €609k | €578k | €717k | €807k | ▲ 12.7% |
| Accrued charges and deferred income492/3 | €6k | €7k | €10k | €4k | €6k | ▲ 48.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €159k | €155k | €-2k | €291 | €38k | ▲ 12,842% |
| + Depreciation and write-downs630 | €0 | - | - | - | €2k | - |
| Operating cash flow (approximation) | €159k | €155k | €-2k | €291 | €40k | ▲ 13,540% |
| Change in cash | - | €-153k | €-274k | €446k | €-502k | ▼ 213% |
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
09-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 40 days late
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Back to profitnet €291
Net result €291 after one loss-making year.
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
31-12
Financial
Equity above €100kEq €103k ▲5.2%
3 profitable years in a row build equity to €103k.
19-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €159k ▲101%
Operating result €188k, net result €159k, both a record.
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
2020
31-12
Financial
Back to profitnet €79k
Net result €79k after 2 loss-making years.
18-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 140 days late
2019
31-12
Financial
Weakest financial yearnet €-3k
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
Show earlier events
02-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
27-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
19-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro 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, Oostrozebeke · 1 establishment unit since 1998
Ground area
7,860 m²
Building footprint
275 m²
Volume, LiDAR
1,271 m³
Parcel 37010C0254/00F000, Flanders · tallest building 9.4 m, ±1 floor. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
stone-quality
since 19982.088.789.585
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 37010C0254/00F000 | Flanders | 7,860 m² | 1 · 275 m² | 9.4 m · 1 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.
Similar companies · same sector, comparable size
Envision Construct
BE 0805.866.595
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Kanal
BE 0761.815.828
Mechelen · Eq €101,577
D+A FRESH
BE 0840.954.069
Halle · Eq €101,600
B.C.P. INVEST
BE 0450.599.444
Braine-le-Château · Eq €101,475
Luxwonen
BE 0773.844.422
Lier · Eq €101,467
Of 9,698 companies in sector 68121 we hold annual accounts for 7,384. 5,308 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
Founded20-03-1997
Fiscal year end31-12
Activities, NACEBEL 2025
68121Development of residential building projects
68122Development of non-residential building projects
43410Roofing work
68203Renting and operating of own or leased non-residential real estate, excluding land
Contact
E-mail
sebastiaan.steenhoudt@pandora.beOostrozebeke
Phone
04760499941Oostrozebeke
Scores and ratios are computed by Checked and are not a credit decision.