TOTAL STONE CONCEPTS
ActiveTOTAL STONE CONCEPTS has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €127k and a net result of €46k. Equity is growing by ~20.4% per year across the filed fiscal years. Its solvency ranks better than 22% of 345 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
58
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability75▲+12
Solvency39=
Growth78▲+26
Track record94
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity tight (current ratio 1.08 against 1.11 in 2024; short-term debt: 50.9% and cash: 10.2% of total assets), and 85.9% of the assets are financed with debt.
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
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
Sector 23
lower
← 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
14.1%
Return on assets
5.1%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 345 sector peers (2025).
NBB · sector comparisonPosition among 345 sector peers
Solvency
better than 22%
← 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 26-07-2026, 5 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
5 d early
2024
30 d early
2023
30 d late
2022
59 d late
2021
31 d late
← 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€127k▲ 14.0%
2024 · €111k
2021: €35k
2022: €75k
2023: €95k
2024: €111k
2021 → 2025
Total assets
€900k▲ 12.6%
2024 · €800k
2021: €256k
2022: €568k
2023: €685k
2024: €800k
2021 → 2025
Net result
€46k▲ 186%
2024 · €16k
2021: €33k
2022: €110k
2023: €21k
2024: €16k
2021 → 2025
Working capital
€37k▲ 0.6%
2024 · €37k
2021: €-7k
2022: €10k
2023: €72k
2024: €37k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€35k-€75k▲ 115%€95k▲ 27.5%€111k▲ 16.7%€127k▲ 14.0%
Operating result€45k-€105k▲ 134%€43k▼ 59.5%€54k▲ 27.6%€82k▲ 49.9%
Net result€33k-€110k▲ 233%€21k▼ 81.3%€16k▼ 22.8%€46k▲ 186%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 50% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €900k
Fixed assets
€404k▼ 7.5%
Current assets
€496k▲ 36.7%
Equity and liabilities €900k
Equity
€127k▲ 14.0%
Debt
€773k▲ 12.4%
The debt ratio falls from 86.1% to 85.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€131k▼
2024 · €158k
Cash flow
€95k▼
2024 · €120k
Solvency
14.1%▲
2024 · 13.9%
Current ratio
1.08▼
2024 · 1.11
Quick ratio
1.06▼
2024 · 1.08
Debt / equity
6.10▼
2024 · 6.18
ROE
35.9%▲
2024 · 14.3%
ROA
5.1%▲
2024 · 2.0%
Interest coverage
5.99▲
2024 · 5.03
Debt
€773k▲
2024 · €688k
Debt ≤ 1 year
€458k▲
2024 · €326k
Debt > 1 year
€312k▼
2024 · €363k
Income taxes
€13k▲
2024 · €8k
Staff costs
€98k▲
2024 · €89k
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€800k€900k▲
Fixed assets21/28€437k€404k▼
Intangible fixed assets21-€3k
Tangible fixed assets22/27€433k€397k▼
Land and buildings22€367k€357k▼
Plant, machinery and equipment23€17k€15k▼
Furniture and vehicles24€44k€25k▼
Leasing and similar rights25€4k€0▼
Financial fixed assets28€4k€4k=
Current assets29/58€363k€496k▲
Stocks and contracts in progress3€11k€11k▼
Stocks30/36€11k€11k▼
Amounts receivable within one year40/41€253k€393k▲
Trade receivables40€156k€283k▲
Other amounts receivable41€97k€110k▲
Cash at bank and in hand54/58€77k€92k▲
Deferred charges and accrued income490/1€22k€566▼
Equity and liabilities
Total equity and liabilities10/49€800k€900k▲
Equity10/15€111k€127k▲
Contributions10/11€5k€5k=
Reserves13€106k€122k▲
Distributable reserves133€106k€122k▲
Amounts payable17/49€688k€773k▲
Amounts payable after more than one year17€363k€312k▼
Financial debts170/4€363k€312k▼
Amounts payable within one year42/48€326k€458k▲
Current portion of amounts payable after more than one year42€80k€68k▼
Financial debts43-€50k
Credit institutions430/8-€50k
Trade debts44€240k€305k▲
Suppliers440/4€240k€305k▲
Taxes, remuneration and social security45€5k€4k▼
Taxes450/3€3k€4k▲
Remuneration and social security454/9€3k-
Other amounts payable47/48€474€31k▲
Accrued charges and deferred income492/3-€3k
Income statement
Code20242025
Remuneration, social security and pensions62€89k€98k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€104k€50k▼
Other operating charges640/8€6k€6k▲
Gross operating margin9900€253k€236k▼
Operating profit (loss)9901€54k€82k▲
Financial income75/76B€653€1k▲
Recurring financial income75€653€1k▲
Financial charges65/66B€32k€24k▼
Recurring financial charges65€32k€22k▼
Non-recurring financial charges66B-€2k
Profit (loss) for the period before taxes9903€24k€59k▲
Income taxes67/77€8k€13k▲
Profit (loss) for the period9904€16k€46k▲
Profit (loss) for the period to be appropriated9905€16k€46k▲
Appropriation of the result
Profit (loss) to be appropriated9906€16k€46k▲
Transfer to equity691/2€16k€16k▼
To other reserves6921€16k€16k▼
Profit to be distributed694/7-€30k
Directors or managers695-€30k
The notes to these accounts (11 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
26-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €16k ▼22.8%
Net result drops to €16k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €100kEq €111k ▲16.7%
4 profitable years in a row build equity to €111k.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
28-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 59 days late
2022
31-12
Financial
Highest result since 2021net €110k ▲233%
Operating result €105k, net result €110k, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 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, Zonhoven · 1 establishment unit since 2020
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.
Houthalenseweg 1293520 ZonhovenGround area
1,124 m²
Building footprint
320 m²
Volume, LiDAR
2,114 m³
Parcel 71066A1015/00W000, Flanders · tallest building 11.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
TOTAL STONE CONCEPTS
since 20202.307.811.231
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71066A1015/00W000 | Flanders | 1,124 m² | 1 · 320 m² | 11.6 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.
Similar companies · same sector, comparable size
DECASTONE
BE 0827.745.837
Bornem · Eq €127k
Rudy BAUWENS
BE 0811.515.262
Saint-Ghislain · Eq €127k
POTEL
BE 0741.790.969
Marchin · Eq €128k
SABBE-DESANDER
BE 0507.730.662
Oostrozebeke · Eq €129k
PORTO-MARBEL
BE 0439.988.733
Liège · Eq €124k
Of 738 companies in sector 23700 we hold annual accounts for 491. 405 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-09-2020
Fiscal year end31-12
Activities, NACEBEL
23700Cutting, shaping and finishing of stone
43331Floor and wall tiling
43350Other building finishing work
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 5 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.