StoneConcept
ActiveSummary
StoneConcept has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €445k and a net result of €33k. Equity is growing by ~20.7% per year across the filed fiscal years. Its solvency ranks better than 86% of 27965 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability76▼-8
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 5.26 against 10.97 in 2024; short-term debt: 18.9% and cash: 56.7% of total assets), and 18.9% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% more 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
81.1%
Return on assets
6.1%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 04-03-2026, 57 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
57 d early
2024
44 d early
2023
71 d early
2022
97 d early
2021
40 d early
2020
106 d early
2019
114 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today30-09-2026 close30-04-2027 deadline
History
Financials · fiscal year 2025, micro schema
Equity
€445k▲ 1.7%
2024 · €437k
Total assets
€549k▲ 14.2%
2024 · €480k
Net result
€33k▼ 43.3%
2024 · €59k
Working capital
€441k▲ 3.8%
2024 · €425k
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€65k▼ 22.3%€103k▲ 57.9%€153k▲ 48.4%€76k▼ 50.3%€38k▼ 49.9%
Net result€48k▼ 22.1%€77k▲ 58.8%€108k▲ 41.2%€59k▼ 45.7%€33k▼ 43.3%
Equity€232k▲ 26.2%€308k▲ 33.0%€388k▲ 25.7%€437k▲ 12.8%€445k▲ 1.7%
Total assets€459k▲ 49.4%€520k▲ 13.3%€513k▼ 1.4%€480k▼ 6.3%€549k▲ 14.2%
Debt€227k▲ 83.8%€211k▼ 6.8%€125k▼ 41.0%€43k▼ 65.8%€104k▲ 143%
Working capital€185k▲ 15.3%€272k▲ 47.3%€362k▲ 32.8%€425k▲ 17.5%€441k▲ 3.8%
Staff (FTE)
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 50% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €549k
Fixed assets
€4k ▼ 68.6%
Current assets
€545k ▲ 16.4%
Equity and liabilities €549k
Equity
€445k ▲ 1.7%
Debt
€104k ▲ 143%
Debt's share of the balance-sheet total rises from 8.9% to 18.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€47k▼
2024 · €91k
Cash flow
€42k▼
2024 · €74k
Current ratio
5.26▼
2024 · 10.97
Quick ratio
4.72▼
2024 · 10.12
Debt to equity
0.23▲
2024 · 0.10
ROE
7.5%▼
2024 · 13.4%
ROA
6.1%▼
2024 · 12.2%
Interest coverage
152.37▼
2024 · 246.53
Debt ≤ 1 year
€104k▲
2024 · €43k
Income taxes
€13k▼
2024 · €24k
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 | - | €19k | €44k | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €19k | €20k | €15k | €15k | €8k | ▼ 42.9% |
| Other operating charges640/8 | - | €986 | €1k | €3k | €2k | ▼ 35.1% |
| Gross operating margin9900 | €86k | €124k | €169k | €93k | €48k | ▼ 48.4% |
| Operating profit (loss)9901 | €65k | €103k | €153k | €76k | €38k | ▼ 49.9% |
| Financial income75/76B | - | €2k | €1k | €7k | €9k | ▲ 27.6% |
| Recurring financial income75 | €1k | €2k | €1k | €7k | €9k | ▲ 27.6% |
| Financial charges65/66B | - | €632 | €731 | €368 | €305 | ▼ 17.1% |
| Recurring financial charges65 | €705 | €632 | €731 | €368 | €305 | ▼ 17.1% |
| Profit (loss) for the period before taxes9903 | €66k | €104k | €153k | €82k | €46k | ▼ 43.7% |
| Income taxes67/77 | €18k | €28k | €45k | €24k | €13k | ▼ 44.8% |
| Profit (loss) for the period9904 | €48k | €77k | €108k | €59k | €33k | ▼ 43.3% |
| Profit (loss) for the period to be appropriated9905 | €48k | €77k | €108k | €59k | €33k | ▼ 43.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €459k | €520k | €513k | €480k | €549k | ▲ 14.2% |
| Fixed assets21/28 | €63k | €41k | €26k | €12k | €4k | ▼ 68.6% |
| Tangible fixed assets22/27 | €63k | €41k | €26k | €12k | €4k | ▼ 68.6% |
| Plant, machinery and equipment23 | - | €407 | €76 | €874 | €471 | ▼ 46.1% |
| Furniture and vehicles24 | - | €20k | €14k | €12k | €3k | ▼ 70.3% |
| Leasing and similar rights25 | - | €21k | €12k | - | - | - |
| Current assets29/58 | €396k | €478k | €486k | €468k | €545k | ▲ 16.4% |
| Amounts receivable after more than one year29 | - | - | - | €55k | €56k | ▲ 2.2% |
| Other amounts receivable291 | - | - | - | €55k | €56k | ▲ 2.2% |
| Stocks and contracts in progress3 | €63k | €351k | €61k | €36k | €55k | ▲ 52.8% |
| Stocks30/36 | - | €351k | €61k | €36k | €55k | ▲ 52.8% |
| Amounts receivable within one year40/41 | €40k | €6k | €11k | €7k | €35k | ▲ 362% |
| Trade receivables40 | - | €1k | - | €3k | - | - |
| Other amounts receivable41 | - | €5k | €11k | €5k | €35k | ▲ 640% |
| Current investments50/53 | - | - | €7k | €39k | €81k | ▲ 110% |
| Cash at bank and in hand54/58 | €291k | €100k | €393k | €321k | €311k | ▼ 3.0% |
| Deferred charges and accrued income490/1 | - | €21k | €14k | €10k | €6k | ▼ 33.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €459k | €520k | €513k | €480k | €549k | ▲ 14.2% |
| Equity10/15 | €232k | €308k | €388k | €437k | €445k | ▲ 1.7% |
| Contributions10/11 | - | €12k | €12k | €12k | €12k | = |
| Reserves13 | €220k | €296k | €375k | €425k | €433k | ▲ 1.8% |
| Non-distributable reserves130/1 | - | €2k | €2k | €2k | €2k | = |
| Reserves not available under the articles1311 | - | €2k | €2k | €2k | €2k | = |
| Distributable reserves133 | - | €294k | €374k | €423k | €431k | ▲ 1.8% |
| Amounts payable17/49 | €227k | €211k | €125k | €43k | €104k | ▲ 143% |
| Amounts payable after more than one year17 | €16k | €5k | - | - | - | - |
| Financial debts170/4 | - | €5k | - | - | - | - |
| Amounts payable within one year42/48 | €211k | €206k | €125k | €43k | €104k | ▲ 143% |
| Current portion of amounts payable after more than one year42 | - | €11k | €5k | - | - | - |
| Financial debts43 | - | €5k | €5k | - | - | - |
| Credit institutions430/8 | - | €5k | €5k | - | - | - |
| Trade debts44 | €48k | €48k | €39k | €21k | €47k | ▲ 125% |
| Suppliers440/4 | - | €48k | €39k | €21k | €47k | ▲ 125% |
| Advances received on contracts in progress46 | - | €123k | €52k | €9k | €44k | ▲ 412% |
| Taxes, remuneration and social security45 | - | €17k | €21k | €10k | €13k | ▲ 26.0% |
| Taxes450/3 | - | €17k | €21k | €10k | €13k | ▲ 26.0% |
| Other amounts payable47/48 | - | €3k | €2k | €3k | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €48k | €77k | €108k | €59k | €33k | ▼ 43.3% |
| + Depreciation and write-downs630 | €19k | €20k | €15k | €15k | €8k | ▼ 42.9% |
| Operating cash flow (approximation) | €67k | €97k | €123k | €74k | €42k | ▼ 43.2% |
| Investment in fixed assets (approximation) | - | €2k | €0 | €-1k | €0 | ▲ 100% |
| Change in cash | - | €-190k | €293k | €-72k | €-10k | ▲ 86.5% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
More with these figures Sector benchmark What changed Value indication
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
04-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
17-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Liquidity triplescurrent ratio 10.97
Current ratio from 3.90 to 10.97; short-term debt falls from €125k to €43k.
19-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Highest result since 2018net €108k ▲41.2%
Operating result €153k, net result €108k, both a record.
23-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
21-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Equity above €200kEq €232k ▲26.2%
4 profitable years in a row build equity to €232k.
14-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Equity above €150kEq €184k ▲50.8%
3 profitable years in a row build equity to €184k.
07-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Equity above €100kEq €122k ▲25.9%
2 profitable years in a row build equity to €122k.
Show earlier events
28-02
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
26-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
14-11
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
2 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, Bornem · 2 establishment units since 2006
Ground area
1.9 ha
Building footprint
4,365 m²
Volume, LiDAR
29,063 m³
2 parcels, Flanders · tallest building 8.5 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
STONECONCEPT
since 20062.150.762.390
STONECONCEPT
since 20062.151.977.266
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12015D0395/00A000 | Flanders | 1.8 ha | 1 · 4,245 m² | 8.5 m · 2 fl. |
| 12362G0423/00B003 | Flanders | 629 m² | 1 · 120 m² | 8.5 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels 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
2023 · 1 entry · 259 EUR awarded · 258 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 259 EUR | 258 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 3,959 companies in sector 43331 we hold annual accounts for 1,787. 1,106 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
Founded28-11-2005
Fiscal year end30-09
Activities, NACEBEL 2025
43331Floor and wall tiling
Scores and ratios are computed by Checked and are not a credit decision.