V.D.S. STONE
ActiveSummary
V.D.S. STONE has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €44k and a net result of €8k. Equity is growing by ~22.8% per year across the filed fiscal years. Its solvency ranks better than 83% of 11322 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
90
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability88▲+34
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity ample (current ratio 4.86 against 3.57 in 2024; short-term debt: 17.5% of total assets), and 17.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← 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
82.5%
Return on assets
15.1%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 18-12-2025, 44 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
44 d early
2024
45 d early
2023
20 d early
2022
8 d early
2021
10 d early
2020
32 d early
2019
35 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 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€44k▲ 22.4%
2024 · €36k
2019: €-2k
2020: €-2k
2021: €12k
2022: €35k
2023: €36k
2024: €36k
2019 → 2025
Total assets
€54k▲ 13.9%
2024 · €47k
2019: €35k
2020: €42k
2021: €35k
2022: €54k
2023: €52k
2024: €47k
2019 → 2025
Net result
€8k▲ 1,879%
2024 · €408
2019: €-24k
2020: €-626
2021: €15k
2022: €23k
2023: €795
2024: €408
2019 → 2025
Working capital
€36k▲ 28.7%
2024 · €28k
2019: €-21k
2020: €-21k
2021: €293
2022: €23k
2023: €25k
2024: €28k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€12k-€35k▲ 183%€36k▲ 2.3%€36k▲ 1.1%€44k▲ 22.4%
Operating result€16k-€-26k€-4k▲ 86.0%€2k€9k▲ 472%
Net result€15k-€23k▲ 54.1%€795▼ 96.5%€408▼ 48.7%€8k▲ 1,879%
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 2022 the operating result has climbed three years in a row; 2025 is 472% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €54k
Fixed assets
€8k ▼ 0.1%
Current assets
€46k ▲ 16.7%
Equity and liabilities €54k
Equity
€44k ▲ 22.4%
Debt
€9k ▼ 14.2%
The debt ratio falls from 23.3% to 17.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€9k▲
2024 · €5k
Cash flow
€8k▲
2024 · €4k
Current ratio
4.86▲
2024 · 3.57
Debt / equity
0.21▼
2024 · 0.30
ROE
18.3%▲
2024 · 1.1%
ROA
15.1%▲
2024 · 0.9%
Interest coverage
9.90▲
2024 · 4.12
Debt ≤ 1 year
€9k▼
2024 · €11k
Income taxes
€2k▲
2024 · €0
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 · 41 lines
Balance sheet
Code20242025
Assets
Total assets20/58€47k€54k▲
Fixed assets21/28€8k€8k▼
Tangible fixed assets22/27€8k€8k▼
Land and buildings22€8k€8k▼
Furniture and vehicles24€0-
Current assets29/58€39k€46k▲
Amounts receivable within one year40/41€39k€46k▲
Trade receivables40€6k€6k=
Other amounts receivable41€33k€39k▲
Equity and liabilities
Total equity and liabilities10/49€47k€54k▲
Equity10/15€36k€44k▲
Contributions10/11€19k€19k=
Reserves13€24k€24k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€23k€23k=
Profit (loss) carried forward14€-7k€1k▲
Amounts payable17/49€11k€9k▼
Amounts payable within one year42/48€11k€9k▼
Financial debts43€6k€4k▼
Credit institutions430/8€6k€4k▼
Trade debts44€2k€1k▼
Suppliers440/4€2k€1k▼
Taxes, remuneration and social security45-€2k
Taxes450/3-€2k
Other amounts payable47/48€2k€2k=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€11▼
Other operating charges640/8€1k€1k▼
Non-recurring operating charges66A€83€0▼
Gross operating margin9900€6k€10k▲
Operating profit (loss)9901€2k€9k▲
Financial income75/76B€0€2k▲
Recurring financial income75€0€2k▲
Financial charges65/66B€1k€888▼
Recurring financial charges65€1k€888▼
Profit (loss) for the period before taxes9903€408€10k▲
Income taxes67/77€0€2k▲
Profit (loss) for the period9904€408€8k▲
Profit (loss) for the period to be appropriated9905€408€8k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-7k€1k▲
Profit (loss) brought forward from the previous period14P€-7k€-7k▲
The notes to these accounts (4 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
2025
18-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
17-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
11-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
23-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Highest result since 2019net €23k ▲54.1%
Net result €23k, the highest in the series.
30-06
Financial
Liquidity doublescurrent ratio 2.39
Current ratio from 1.02 to 2.39; short-term debt falls from €17k to €17k.
21-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Back to profitnet €15k
Net result €15k after 2 loss-making years.
30-06
Financial
Liquidity doublescurrent ratio 1.02
Current ratio from 0.50 to 1.02; short-term debt falls from €41k to €17k.
2020
30-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
27-12
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
19-12
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
24-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 236 days late
2016
20-12
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.
Directors · office · real estate
Directors
1 act for this company is 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, Herzele · 1 establishment unit since 1996
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.
Provincieweg 1529552 HerzeleGround area
704 m²
Building footprint
701 m²
Volume, LiDAR
5,235 m³
Parcel 41008A0492/00M000, Flanders · tallest building 12.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
VDS STONE
since 19962.077.381.494
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41008A0492/00M000 | Flanders | 704 m² | 1 · 701 m² | 12.9 m · 3 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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BE 0653.825.926
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Athenena
BE 0866.486.152
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WEST EUROPESE BOUWSTOFFEN
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STALMAT
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Of 1,803 companies in sector 46831 we hold annual accounts for 1,397. 602 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded20-06-1996
Fiscal year end30-06
Activities, NACEBEL
46831Wholesale of construction materials, general range
51532
23700Cutting, shaping and finishing of stone
26700
Sources
Crossroads Bank for EnterprisesNational Bank · 29 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.