Whitestone & Onestone
ActiveSummary
Whitestone & Onestone has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €19k and a net result of €6k. Equity is growing by ~10.8% per year across the filed fiscal years. Its solvency ranks better than 78% of 9460 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
96
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+32
Solvency100▲+40
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 4.71 against 1.53 in 2024; short-term debt: 19.8% and cash: 82.9% of total assets), and 19.8% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Sector 71
lower
← fewer bankruptcies
more bankruptcies →
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
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
80.2%
Return on assets
26.8%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
30 d late
2023
29 d late
2022
20 d late
2021
153 d late
2020
60 d late
2019
92 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€19k▲ 50.0%
2024 · €12k
2018: €9k
2019: €9k
2020: €16k
2021: €9k
2022: €24k
2023: €22k
2024: €12k
2018 → 2025
Total assets
€23k▼ 34.1%
2024 · €35k
2018: €34k
2019: €32k
2020: €44k
2021: €23k
2022: €40k
2023: €33k
2024: €35k
2018 → 2025
Net result
€6k
2024 · €-103
2018: €-3k
2019: €-184
2020: €7k
2021: €-7k
2022: €16k
2023: €67
2024: €-103
2018 → 2025
Working capital
€17k▲ 41.8%
2024 · €12k
2018: €21k
2019: €13k
2020: €21k
2021: €1k
2022: €23k
2023: €22k
2024: €12k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€9k-€24k▲ 159%€22k▼ 6.4%€12k▼ 44.9%€19k▲ 50.0%
Operating result€-7k-€12k€-881€277€10k▲ 3,591%
Net result€-7k-€16k€67▼ 99.6%€-103€6k
Turnover and EBIT margin not published: the 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 3,591% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €23k
Fixed assets
€2k ▲ 281%
Current assets
€22k ▼ 38.0%
Equity and liabilities €23k
Equity
€19k ▲ 50.0%
Debt
€5k ▼ 79.9%
Debt's share of the balance-sheet total falls from 64.7% to 19.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€11k▲
2024 · €484
Cash flow
€7k▲
2024 · €104
Current ratio
4.71▲
2024 · 1.53
Debt to equity
0.25▼
2024 · 1.84
ROE
33.3%▲
2024 · -0.8%
ROA
26.8%▲
2024 · -0.3%
Debt ≤ 1 year
€5k▼
2024 · €23k
Income taxes
€4k▲
2024 · €741
Staff costs
€5k▲
2024 · €916
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 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€35k€23k▼
Fixed assets21/28€428€2k▲
Tangible fixed assets22/27€428€2k▲
Furniture and vehicles24€428€2k▲
Current assets29/58€35k€22k▼
Amounts receivable within one year40/41€5k€1k▼
Trade receivables40€5k€336▼
Other amounts receivable41€739€739=
Current investments50/53€534€1k▲
Cash at bank and in hand54/58€29k€19k▼
Equity and liabilities
Total equity and liabilities10/49€35k€23k▼
Equity10/15€12k€19k▲
Contributions10/11€1k€1k=
Reserves13€11k€18k▲
Tax-exempt reserves132€2k€2k=
Distributable reserves133€10k€16k▲
Amounts payable17/49€23k€5k▼
Amounts payable within one year42/48€23k€5k▼
Trade debts44€71€72▲
Suppliers440/4€71€72▲
Taxes, remuneration and social security45€3k€4k▲
Taxes450/3€3k€4k▲
Remuneration and social security454/9-€379
Other amounts payable47/48€19k€560▼
Income statement
Code20242025
Remuneration, social security and pensions62€916€5k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€207€459▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€480-
Other operating charges640/8€614€563▼
Gross operating margin9900€2k€16k▲
Operating profit (loss)9901€277€10k▲
Financial income75/76B€366€22▼
Recurring financial income75€366€22▼
Financial charges65/66B€5-
Recurring financial charges65€5-
Profit (loss) for the period before taxes9903€638€10k▲
Income taxes67/77€741€4k▲
Profit (loss) for the period9904€-103€6k▲
Profit (loss) for the period to be appropriated9905€-103€6k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-103€6k▲
Transfer from equity791/2€1k-
Transfer to equity691/2-€6k
To other reserves6921-€6k
Profit to be distributed694/7€948-
Return on contributions (dividend)694€948-
The notes to these accounts (7 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 4.71
Current ratio from 1.53 to 4.71; short-term debt falls from €23k to €5k.
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
20-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 20 days late
2022
31-12
Financial
Back to profitnet €16k
Net result €16k after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 2.45
Current ratio from 1.18 to 2.45.
31-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 153 days late
2021
31-12
Financial
Weakest financial yearnet €-7k ▼190%
Net result drops to €-7k, the lowest in the series; recovery starts the following year.
29-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 60 days late
2020
31-12
Financial
Back to profitnet €7k
Net result €7k after 2 loss-making years.
Show earlier events
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 92 days late
2019
18-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 18 days late
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 27 days late
2017
27-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 27 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
9 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 2004
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.
Nieuwstraat 1031730 AsseGround area
951 m²
Building footprint
376 m²
Volume, LiDAR
2,364 m³
2 parcels, Flanders · tallest building 22.7 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
WHITESTONE & ONESTONE
since 20042.143.669.316
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23095C0073/00Y064 | Flanders | 888 m² | 1 · 313 m² | 8.7 m · 2 fl. |
| 23002F0261/00S000 | Flanders | 63 m² | 1 · 63 m² | 22.7 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Legal Entity Identifier
89450010HSSQ9BOAKQ72
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Of 18,255 companies in sector 71111 we hold annual accounts for 6,321. 4,371 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-10-2004
Fiscal year end31-12
Activities, NACEBEL 2025
68310Real estate agency activities
71111Activities of building architects
74301Translation services
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:0477/746658