Stonetec
ActiveSummary
Stonetec has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €29k and a net result of €2k. Equity is growing by ~7.4% per year across the filed fiscal years. Its solvency ranks better than 52% of 350 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability73▼-1
Solvency75▼-5
Growth52=
Track record94
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 2.38 against 5.85 in 2024; short-term debt: 26.3% and cash: 15.5% of total assets), and 49.6% 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+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 23
Relative position
BE, all sectors
reference
Manufacture of other non-metallic mineral products (NACE 23)
about 17% fewer bankruptcies
← 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 2025Solvency, return and age of the figures
Solvency
50.4%
Return on assets
3.1%
Age of the figures
9 mo
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 29-07-2026, 2 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
2 d early
2024
1 d early
2023
29 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
€29k▲ 6.6%
2024 · €27k
2023: €25klowest in 3 years
2024: €27k▲ +9.0% vs 2023
2025: €29k▲ +6.6% vs 2024highest in 3 years
2023 → 2025
Total assets
€58k▲ 16.1%
2024 · €50k
2023: €33klowest in 3 years
2024: €50k▲ +53.1% vs 2023
2025: €58k▲ +16.1% vs 2024highest in 3 years
2023 → 2025
Net result
€2k▼ 19.6%
2024 · €2k
2023: €15khighest in 3 years
2024: €2k▼ -85.1% vs 2023
2025: €2k▼ -19.6% vs 2024lowest in 3 years
2023 → 2025
Working capital
€21k▼ 7.3%
2024 · €23k
2023: €24khighest in 3 years
2024: €23k▼ -5.3% vs 2023
2025: €21k▼ -7.3% vs 2024lowest in 3 years
2023 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€25k-€27k▲ 9.0%€29k▲ 6.6%
2023: €25klowest in 3 years
2024: €27k▲ +9.0% vs 2023
2025: €29k▲ +6.6% vs 2024highest in 3 years
Operating result€19k-€2k▼ 88.8%€3k▲ 35.8%
2023: €19khighest in 3 years
2024: €2k▼ -88.8% vs 2023lowest in 3 years
2025: €3k▲ +35.8% vs 2024
Net result€15k-€2k▼ 85.1%€2k▼ 19.6%
2023: €15khighest in 3 years
2024: €2k▼ -85.1% vs 2023
2025: €2k▼ -19.6% vs 2024lowest in 3 years
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 36% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €58k
Fixed assets
€22k ▼ 3.8%
Current assets
€36k ▲ 32.4%
Equity and liabilities €58k
Equity
€29k ▲ 6.6%
Debt
€29k ▲ 27.5%
Debt's share of the balance-sheet total rises from 45.1% to 49.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€8k▲
2024 · €3k
Cash flow
€7k▲
2024 · €3k
Current ratio
2.38▼
2024 · 5.85
Debt to equity
0.98▲
2024 · 0.82
ROE
6.2%▼
2024 · 8.2%
ROA
3.1%▼
2024 · 4.5%
Interest coverage
11.31▲
2024 · 7.78
Debt ≤ 1 year
€15k▲
2024 · €5k
Debt > 1 year
€14k▼
2024 · €18k
Income taxes
€344▲
2024 · €116
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 · 38 lines
Balance sheet
Code20242025
Assets
Total assets20/58€50k€58k▲
Fixed assets21/28€23k€22k▼
Tangible fixed assets22/27€23k€22k▼
Plant, machinery and equipment23-€3k
Furniture and vehicles24€23k€19k▼
Current assets29/58€27k€36k▲
Amounts receivable within one year40/41€12k€27k▲
Trade receivables40€10k€27k▲
Other amounts receivable41€3k€0▼
Cash at bank and in hand54/58€15k€9k▼
Equity and liabilities
Total equity and liabilities10/49€50k€58k▲
Equity10/15€27k€29k▲
Contributions10/11€10k€10k=
Profit (loss) carried forward14€17k€19k▲
Amounts payable17/49€23k€29k▲
Amounts payable after more than one year17€18k€14k▼
Financial debts170/4€18k€14k▼
Amounts payable within one year42/48€5k€15k▲
Current portion of amounts payable after more than one year42€4k€4k▲
Trade debts44€338€3k▲
Suppliers440/4€338€3k▲
Taxes, remuneration and social security45€147€6k▲
Taxes450/3€147€6k▲
Other amounts payable47/48€0€2k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€5k▲
Other operating charges640/8€368€690▲
Gross operating margin9900€4k€9k▲
Operating profit (loss)9901€2k€3k▲
Financial income75/76B€659€0▼
Recurring financial income75€659€0▼
Financial charges65/66B€405€722▲
Recurring financial charges65€405€722▲
Profit (loss) for the period before taxes9903€2k€2k▼
Income taxes67/77€116€344▲
Profit (loss) for the period9904€2k€2k▼
Profit (loss) for the period to be appropriated9905€2k€2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€17k€19k▲
Profit (loss) brought forward from the previous period14P€15k€17k▲
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €569 | €1k | €5k | ▲ 414% |
| Other operating charges640/8 | €235 | €368 | €690 | ▲ 87.6% |
| Gross operating margin9900 | €20k | €4k | €9k | ▲ 152% |
| Operating profit (loss)9901 | €19k | €2k | €3k | ▲ 35.8% |
| Financial income75/76B | - | €659 | €0 | ▼ 100% |
| Recurring financial income75 | - | €659 | €0 | ▼ 100% |
| Financial charges65/66B | €60 | €405 | €722 | ▲ 78.3% |
| Recurring financial charges65 | €60 | €405 | €722 | ▲ 78.3% |
| Profit (loss) for the period before taxes9903 | €19k | €2k | €2k | ▼ 9.1% |
| Income taxes67/77 | €4k | €116 | €344 | ▲ 195% |
| Profit (loss) for the period9904 | €15k | €2k | €2k | ▼ 19.6% |
| Profit (loss) for the period to be appropriated9905 | €15k | €2k | €2k | ▼ 19.6% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €33k | €50k | €58k | ▲ 16.1% |
| Fixed assets21/28 | €1k | €23k | €22k | ▼ 3.8% |
| Tangible fixed assets22/27 | €1k | €23k | €22k | ▼ 3.8% |
| Plant, machinery and equipment23 | - | - | €3k | - |
| Furniture and vehicles24 | €1k | €23k | €19k | ▼ 15.2% |
| Current assets29/58 | €32k | €27k | €36k | ▲ 32.4% |
| Amounts receivable within one year40/41 | €7k | €12k | €27k | ▲ 119% |
| Trade receivables40 | €7k | €10k | €27k | ▲ 186% |
| Other amounts receivable41 | - | €3k | €0 | ▼ 100% |
| Cash at bank and in hand54/58 | €25k | €15k | €9k | ▼ 39.9% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €33k | €50k | €58k | ▲ 16.1% |
| Equity10/15 | €25k | €27k | €29k | ▲ 6.6% |
| Contributions10/11 | €10k | €10k | €10k | = |
| Profit (loss) carried forward14 | €15k | €17k | €19k | ▲ 10.4% |
| Amounts payable17/49 | €7k | €23k | €29k | ▲ 27.5% |
| Amounts payable after more than one year17 | - | €18k | €14k | ▼ 24.3% |
| Financial debts170/4 | - | €18k | €14k | ▼ 24.3% |
| Amounts payable within one year42/48 | €7k | €5k | €15k | ▲ 225% |
| Current portion of amounts payable after more than one year42 | - | €4k | €4k | ▲ 3.4% |
| Trade debts44 | €528 | €338 | €3k | ▲ 810% |
| Suppliers440/4 | €528 | €338 | €3k | ▲ 810% |
| Taxes, remuneration and social security45 | €5k | €147 | €6k | ▲ 4,098% |
| Taxes450/3 | €5k | €147 | €6k | ▲ 4,098% |
| Other amounts payable47/48 | €2k | €0 | €2k | - |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €15k | €2k | €2k | ▼ 19.6% |
| + Depreciation and write-downs630 | €569 | €1k | €5k | ▲ 414% |
| Operating cash flow (approximation) | €16k | €3k | €7k | ▲ 116% |
| Investment in fixed assets (approximation) | - | €-22k | €-4k | ▲ 80.3% |
| Change in cash | - | €-10k | €-6k | ▲ 39.7% |
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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €2k ▼19.6%
Net result drops to €2k, the lowest in the series.
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
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, Dendermonde · 1 establishment unit since 2022
Ground area
675 m²
Parcel 42021B0571/00H002, Flanders. Linked by address, not a title deed.
1 establishment unit
Stonetec
since 20222.327.471.448
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42021B0571/00H002 | Flanders | 675 m² | - | - |
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.
Public money · subsidies and aid
Flemish government
2024 to 2025 · 2 entries · 197 EUR awarded · 197 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 0 EUR | 30 EUR |
| 2024 | 1 | 197 EUR | 167 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 738 companies in sector 23700 we hold annual accounts for 490. 270 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
Founded14-01-2022
Fiscal year end31-12
Activities, NACEBEL 2025
23700Cutting, shaping and finishing of stone
41001General construction of residential buildings
47523Retail trade
47784Retail sale of souvenirs and religious articles
70200Business and other management consultancy
Contact
E-mail
info@stonetec.be
Scores and ratios are computed by Checked and are not a credit decision.