STONEWISE
ActiveSTONEWISE has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-40k) and a net result of €43k. Equity is shrinking by ~26% per year across the filed fiscal years. Its solvency ranks better than 8% of 3452 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-100
Solvency67=
Growth58▲+26
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity ample (current ratio 4.39 against 7.96 in 2024), but equity is negative.
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 74
Relative position
BE, all sectors
reference
Sector 74
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-63.4%
Return on assets
68.2%
Age of the figures
9 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
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 8% of 3452 sector peers (2025).
NBB · sector comparisonPosition among 3452 sector peers
Solvency
better than 8%
← weakest
strongest →
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 10-07-2026, 21 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
21 d early
2024
51 d early
2023
99 d early
2022
32 d early
2021
22 d late
2020
30 d late
2019
32 d early
← before the deadline
after the deadline →
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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-40k▲ 51.8%
2024 · €-83k
2018: €-3k
2019: €-18k
2020: €-34k
2021: €-50k
2022: €-50k
2023: €-64k
2024: €-83k
2018 → 2025
Total assets
€63k▲ 101%
2024 · €31k
2018: €141k
2019: €337k
2020: €379k
2021: €217k
2022: €121k
2023: €71k
2024: €31k
2018 → 2025
Net result
€43k
2024 · €-18k
2018: €-14k
2019: €-15k
2020: €-16k
2021: €-15k
2022: €-485
2023: €-14k
2024: €-18k
2018 → 2025
Working capital
€30k▲ 266%
2024 · €8k
2018: €-7k
2019: €-22k
2020: €-37k
2021: €-51k
2022: €-51k
2023: €-64k
2024: €8k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-50k-€-50k▼ 1.0%€-64k▼ 28.0%€-83k▼ 28.5%€-40k▲ 51.8%
Operating result€-12k-€696€-13k€-18k▼ 30.9%€45k
Net result€-15k-€-485▲ 96.8%€-14k▼ 2,799%€-18k▼ 30.3%€43k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €45k after a loss of €18k in 2024, the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €63k
Fixed assets
€24k▲ 10.4%
Current assets
€39k▲ 314%
Key figures and ratios
EBITDA
€51k▲
2024 · €-17k
Cash flow
€49k▲
2024 · €-18k
Solvency
-63.4%▲
2024 · -264.3%
Current ratio
4.39▼
2024 · 7.96
Quick ratio
4.39▼
2024 · 7.96
Debt / equity
-2.58▼
2024 · -1.38
ROE
-107.5%▼
2024 · 22.2%
ROA
68.2%▲
2024 · -58.7%
Interest coverage
29.29▲
2024 · -23.75
Debt
€103k▼
2024 · €114k
Debt ≤ 1 year
€9k▲
2024 · €1k
Debt > 1 year
€92k▼
2024 · €113k
Income taxes
€396▲
2024 · €24
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€31k€63k▲
Fixed assets21/28€22k€24k▲
Tangible fixed assets22/27€22k€24k▲
Plant, machinery and equipment23-€1k
Furniture and vehicles24€22k€23k▲
Current assets29/58€9k€39k▲
Stocks and contracts in progress3€0-
Stocks30/36€0-
Amounts receivable within one year40/41€6k€176▼
Trade receivables40€500€0▼
Other amounts receivable41€6k€176▼
Cash at bank and in hand54/58€3k€38k▲
Deferred charges and accrued income490/1€437€702▲
Equity and liabilities
Total equity and liabilities10/49€31k€63k▲
Equity10/15€-83k€-40k▲
Contributions10/11€20k€20k=
Profit (loss) carried forward14€-103k€-60k▲
Amounts payable17/49€114k€103k▼
Amounts payable after more than one year17€113k€92k▼
Financial debts170/4€113k€92k▼
Amounts payable within one year42/48€1k€9k▲
Financial debts43-€63
Credit institutions430/8-€63
Trade debts44€1k€2k▲
Suppliers440/4€1k€2k▲
Taxes, remuneration and social security45€95€7k▲
Taxes450/3€95€7k▲
Other amounts payable47/48€0-
Accrued charges and deferred income492/3-€1k
Income statement
Code20242025
Non-recurring operating income76A€500€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€336€6k▲
Other operating charges640/8€2k€449▼
Gross operating margin9900€-16k€52k▲
Operating profit (loss)9901€-18k€45k▲
Financial income75/76B€0€0▼
Recurring financial income75€0€0▼
Financial charges65/66B€726€2k▲
Recurring financial charges65€726€2k▲
Profit (loss) for the period before taxes9903€-18k€43k▲
Income taxes67/77€24€396▲
Profit (loss) for the period9904€-18k€43k▲
Profit (loss) for the period to be appropriated9905€-18k€43k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-103k€-60k▲
Profit (loss) brought forward from the previous period14P€-84k€-103k▼
The notes to these accounts (15 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
10-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €43k
Net result €43k after 7 loss-making years.
10-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-18k
Net result drops to €-18k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity times 15current ratio 7.96
Current ratio from 0.52 to 7.96; short-term debt falls from €135k to €1k.
23-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
22-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 22 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
29-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
11-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 31 days late
2017
20-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 51 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Asse · 1 establishment unit since 2013
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.
Muzeumstraat 191730 AsseGround area
232 m²
Building footprint
232 m²
Volume, LiDAR
1,410 m³
Parcel 23002F0451/00H000, Flanders · tallest building 10.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
L.I.C.
since 20132.218.288.545
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23002F0451/00H000 | Flanders | 232 m² | 1 · 232 m² | 10.6 m · 2 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 883 companies in sector 74991 we hold annual accounts for 313. 179 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-03-2013
Fiscal year end31-12
Activities, NACEBEL
74901Other professional, scientific and technical activities
74991Agents and managers of artists, athletes and other public figures
23310Manufacture of other non-metallic mineral products
23430Manufacture of other non-metallic mineral products
23450Manufacture of other non-metallic mineral products
41001General construction of residential buildings
43310Plastering work
43320Joinery installation
43331Floor and wall tiling
43422Screed work
43990Other specialised construction activities
43992Specialised construction activities
43995Specialised construction activities
81220Other building cleaning and industrial cleaning
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.