Equity
€184,153 from €2.6m in 2008
Equity fell by 93% in 17 years.
StoneTech
Lifetime
20 annual accounts with figures on one time axis, 37 filings since 1989peak €194,830 (2014)
€9,413▼ 48.1%
lowest -€1.1m (2014)
-€42,794▼ €8,342
peak €2.6m (2008)
€184,153▼ 18.9%
€23,739▼ 45.6%
peak 2.5 FTE (2008)
-not published
Board2 names since 2021
2 directorsINSOLUTIONS NV and 1 other
Owners
50%InSolutions
Documentsfilings and deeds
07-07-202624 days before the deadline
2025micro format
Gross margin from €18,131 to €9,413Loss of €42,794Equity from €226,947 to €184,153Debts from €43,646 to €23,739Cash from €13,088 to €17,498
Key points
from the 2025 annual accountsLosses
-€2.4m in 17 years
Every financial year from 2009 to 2025 closed with a loss. 2014 was the heaviest.
Position in the sector
-€42,794
Lower net result than 94% of companies in wholesale trade. Sector median €5,626 · 13,803 companies.
Checked score
87
Excellent
Financially stronger than 53% of micro companies in wholesale trade (NACE 46)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.4% across 26,892 companies (NACE 46, micro).
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.3%
01-2025: 0.3%● unchanged vs 12-2024
02-2025: 0.3%● unchanged vs 01-2025
03-2025: 0.3%● unchanged vs 02-2025
04-2025: 0.3%● unchanged vs 03-2025
05-2025: 0.4%▲ +0.1 percentage points vs 04-2025
06-2025: 0.4%● unchanged vs 05-2025
07-2025: 0.5%▲ +0.1 percentage points vs 06-2025highest value
08-2025: 0.3%▼ -0.2 percentage points vs 07-2025
09-2025: 0.3%● unchanged vs 08-2025
10-2025: 0.3%● unchanged vs 09-2025
11-2025: 0.3%● unchanged vs 10-2025
12-2025: 0.3%● unchanged vs 11-2025
01-2026: 0.3%● unchanged vs 12-2025
02-2026: 0.3%● unchanged vs 01-2026
03-2026: 0.3%● unchanged vs 02-2026
04-2026: 0.3%● unchanged vs 03-2026
05-2026: 0.3%● unchanged vs 04-2026
06-2026: 0.3%● unchanged vs 05-2026
07-2026: 0.4%▲ +0.1 percentage points vs 06-2026
08-2026: 0.2%▼ -0.2 percentage points vs 07-2026lowest value
09-2026: 0.2%● unchanged vs 08-2026lowest value
10-2026: 0.2%● unchanged vs 09-2026lowest value
11-2026: 0.2%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
raises risk
Loss of €42,794, the second in a row (financial year 2025)
lowers risk
Founded in 1989
Size: total assets €207,892
Equity €184,153 (88.6% of total assets)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 46, micro). It does better than 90% of them on solvency, 66% on liquidity, 39% on profitability and 20% on growth.
The bankruptcy probability was computed on 07-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 5,831 companies had the same profile as StoneTech has now. Each dot stands for 15 companies, two years later.
84.6%
were still trading
13.4%
stopped another way
1.7%
went bankrupt
Another 0.3% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of StoneTech itself is lower: 0.2% within 12 months. It rests on far more data about StoneTech than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 5,831 companies, not a prediction for StoneTech. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €16,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 4.32 (5.55 in 2024), above the usual 1.5. Short-term debt is 11.4% and cash 8.4% of total assets. 11.4% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€42,794
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 07-07-2026, 24 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
24 days early
2024
29 days early
2023
43 days early
2022
45 days early
2021
33 days early
2020
33 days early
2019
21 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 33 days before the deadline. In the sector (NACE 46), the median for financial year 2024 was 3 days before the deadline, and 39% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 28 June (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
08-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
VC
VAN CAMP GUIDO
Director
- InSolutions 50%score 55equity -€364,549 (2025) · 2025 annual accounts of InSolutions
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0437081010
Registered office moved within Berchem
New registered office: Marie-Josélaan 49, 2600 Berchem · Previous registered office: Pastoor van de Wouwerstraat 14, 2600 BERCHEM · Board meeting of 17-01-2022 · Gazette deed
First establishment
Pastoor Van de Wouwerstraat 14, Antwerp
Incorporation
published on 18-04-1989 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| StoneTech Antwerp | €207,892 | €9,413 | 88.6% | - |
| LES LABORATOIRES FAMA Ans | €136,071 | €16,284 | 86.0% | - |
| A.C.A.C. Kapellen | €222,645 | €12,611 | 33.3% | - |
| M.V. TRADING Beringen | €291,856 | €35,200 | 53.7% | - |
| MICHIELS REAL ESTATE Zele | €386,984 | €10,231 | 81.6% | - |
| CRENIER ONE CONCEPT Grâce-Hollogne | €208,897 | €52,190 | 92.3% | - |
| INDUSTRIAL HANDLINGS Merchtem | €397,529 | €48,589 | 24.5% | 2 |
These companies have the same main activity as StoneTech: wholesale trade (NACE 46839). They are comparable in size and age: total assets between €136,000 and €398,000, founded between 1988 and 2008.
Official details
Source: KBO- Status
- Active since 23-03-1989Normal situation
- Activity
- Wholesale tradeNACE 46839and 4 others
- Establishment unit
- 2.044.723.0792600 Antwerp, since 12-09-1989
- Financial year end
- 31 December
- Peppol
- Reachable since 10-12-2025
Annual accounts 2025
- ≈ €120,000estimated
- €207,892▼ 23.2%
- Filing
- Filed on 07-07-2026, 24 days before the end of the filing period
Insights on StoneTech
StoneTech files the micro format. That format states no turnover. The gross margin fell from €92,698 in 2006 to €9,413 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about StoneTech
- What is the company number of StoneTech?
- The company number of StoneTech is 0437.081.010. The VAT number is the same number with BE in front: BE 0437.081.010.
- Where is StoneTech based?
- The registered office is at Marie-Josélaan 49, 2600 Antwerp.Company details
- What does StoneTech do?
- According to the KBO register, the main activity is wholesale trade (NACE 46839).
- What is the legal form of StoneTech?
- StoneTech is a private limited company (pre-2019) (BVBA).
- When was StoneTech founded?
- StoneTech was founded on 23-03-1989.
- Is StoneTech still active?
- Yes, StoneTech is an active enterprise in the KBO register.
- What is the turnover of StoneTech?
- The turnover in financial year 2025 is ≈ €120,000. This figure is estimated from the gross margin of €9,413 and 212 comparable companies (NACE 46). It probably lies between €57,000 and €300,000. It is a rough estimate.Financials
- Is StoneTech profitable?
- In financial year 2025, StoneTech made a loss of €42,794.
- Where can I find the annual accounts of StoneTech?
- StoneTech filed 37 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of StoneTech due?
- StoneTech must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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