ANDRE CELIS NATUURSTEEN
ActiveANDRE CELIS NATUURSTEEN has been active since 1960 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.06M and a net result of €77k. Equity is growing by ~17.3% per year across the filed fiscal years. Its solvency ranks better than 23% of 7931 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very 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
Profitability57=
Solvency42▲+3
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €60k at 30 days acceptable
Liquidity tight (current ratio 1.06 against 1.17 in 2024; short-term debt: 49.1% and cash: 2.4% of total assets), and 82.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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
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
17.5%
Return on assets
1.3%
Age of the figures
15 mo
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 →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 7931 sector peers (2025).
NBB · sector comparisonPosition among 7931 sector peers
Solvency
better than 23%
← weakest
strongest →
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 05-12-2025, 57 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
57 d early
2024
24 d early
2023
72 d early
2022
18 d early
2021
7 d early
2020
24 d early
2019
31 d early
← before the deadline
after the deadline →
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 close18-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.06M▲ 7.8%
2024 · €987k
2019: €271k
2020: €275k
2021: €259k
2022: €829k
2023: €896k
2024: €987k
2019 → 2025
Total assets
€6.08M▼ 13.8%
2024 · €7.06M
2019: €5.95M
2020: €5.49M
2021: €5.97M
2022: €7.93M
2023: €6.76M
2024: €7.06M
2019 → 2025
Net result
€77k▼ 14.9%
2024 · €90k
2019: €6k
2020: €5k
2021: €-16k
2022: €70k
2023: €67k
2024: €90k
2019 → 2025
Working capital
€188k▼ 67.8%
2024 · €585k
2019: €-334k
2020: €-316k
2021: €-485k
2022: €-430k
2023: €-623k
2024: €585k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€259k-€829k▲ 220%€896k▲ 8.1%€987k▲ 10.1%€1.06M▲ 7.8%
Operating result€65k-€195k▲ 199%€219k▲ 12.1%€266k▲ 21.9%€247k▼ 7.2%
Net result€-16k-€70k€67k▼ 4.6%€90k▲ 35.0%€77k▼ 14.9%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 7% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €6.08M
Fixed assets
€2.91M▼ 4.5%
Current assets
€3.17M▼ 20.8%
Equity and liabilities €6.08M
Equity
€1.06M▲ 7.8%
Debt
€5.02M▼ 17.3%
The debt ratio falls from 86.0% to 82.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€795k▼
2024 · €813k
Cash flow
€625k▼
2024 · €637k
Solvency
17.5%▲
2024 · 14.0%
Current ratio
1.06▼
2024 · 1.17
Quick ratio
0.56▼
2024 · 0.65
Debt / equity
4.72▼
2024 · 6.15
ROE
7.2%▼
2024 · 9.2%
ROA
1.3%▼
2024 · 1.3%
Interest coverage
4.43▲
2024 · 4.40
Debt
€5.02M▼
2024 · €6.07M
Debt ≤ 1 year
€2.98M▼
2024 · €3.42M
Debt > 1 year
€2.03M▼
2024 · €2.65M
Income taxes
€38k▼
2024 · €41k
Staff costs
€1.97M▼
2024 · €2.05M
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€7.06M€6.08M▼
Fixed assets21/28€3.05M€2.91M▼
Tangible fixed assets22/27€3.05M€2.91M▼
Land and buildings22€1.54M€1.52M▼
Plant, machinery and equipment23€624k€725k▲
Furniture and vehicles24€10k€75k▲
Leasing and similar rights25€871k€590k▼
Financial fixed assets28€3k€3k=
Current assets29/58€4.01M€3.17M▼
Stocks and contracts in progress3€1.80M€1.51M▼
Stocks30/36€1.80M€1.51M▼
Amounts receivable within one year40/41€2.01M€1.24M▼
Trade receivables40€936k€835k▼
Other amounts receivable41€1.07M€407k▼
Cash at bank and in hand54/58€59k€147k▲
Deferred charges and accrued income490/1€144k€275k▲
Equity and liabilities
Total equity and liabilities10/49€7.06M€6.08M▼
Equity10/15€987k€1.06M▲
Contributions10/11€531k€531k=
Reserves13€302k€302k=
Tax-exempt reserves132€2k€2k=
Distributable reserves133€300k€300k=
Profit (loss) carried forward14€154k€230k▲
Amounts payable17/49€6.07M€5.02M▼
Amounts payable after more than one year17€2.65M€2.03M▼
Financial debts170/4€2.65M€2.03M▼
Amounts payable within one year42/48€3.42M€2.98M▼
Current portion of amounts payable after more than one year42€791k€765k▼
Financial debts43€1.04M€1.03M▼
Credit institutions430/8€1.04M€1.03M▼
Trade debts44€1.33M€902k▼
Suppliers440/4€1.33M€902k▼
Taxes, remuneration and social security45€173k€183k▲
Taxes450/3€16k€28k▲
Remuneration and social security454/9€158k€154k▼
Other amounts payable47/48€82k€104k▲
Income statement
Code20242025
Non-recurring operating income76A€18k€13k▼
Remuneration, social security and pensions62€2.05M€1.97M▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€547k€548k▲
Other operating charges640/8€25k€17k▼
Non-recurring operating charges66A€300€250▼
Gross operating margin9900€2.89M€2.78M▼
Operating profit (loss)9901€266k€247k▼
Financial income75/76B€50k€47k▼
Recurring financial income75€50k€47k▼
Financial charges65/66B€185k€179k▼
Recurring financial charges65€185k€179k▼
Profit (loss) for the period before taxes9903€132k€115k▼
Income taxes67/77€41k€38k▼
Profit (loss) for the period9904€90k€77k▼
Profit (loss) for the period to be appropriated9905€90k€77k▼
Appropriation of the result
Profit (loss) to be appropriated9906€154k€230k▲
Profit (loss) brought forward from the previous period14P€63k€154k▲
Social balance
Average headcount (FTE)908730.229.0▼
The notes to these accounts (23 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
05-12
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
30-06
Financial
Equity above €1MEq €1.06M ▲7.8%
4 profitable years in a row build equity to €1.06M.
07-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-06
Financial
Highest result since 2019net €90k ▲35%
Operating result €266k, net result €90k, both a record.
2023
20-11
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
13-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-06
Financial
Back to profitnet €70k
Net result €70k after one loss-making year.
30-06
Financial
Equity above €500kEq €829k ▲220%
Equity rises from €259k to €829k.
24-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-06
Financial
Weakest financial yearnet €-16k ▼458%
Net result drops to €-16k, the lowest in the series; recovery starts the following year.
07-01
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2019
31-12
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
24-12
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
27-12
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
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
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, Lubbeek · 2 establishment units since 1960
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.
Staatsbaan(LUB) 1193210 LubbeekGround area
6,597 m²
Building footprint
3,375 m²
Volume, LiDAR
27,088 m³
3 parcels, Flanders · tallest building 11.4 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
Hertogstraat 28, 3001 Leuven
since 19602.007.059.563
André Celis Natuursteen
since 20052.150.683.208
3 parcels
Flanders
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24066B0338/00L003 | Flanders | 6,197 m² | 1 · 3,163 m² | 11.1 m · 3 fl. |
| 24434F0246/00T003 | Flanders | 223 m² | 1 · 71 m² | 9.4 m · 2 fl. |
| 24066B0307/00M002 | Flanders | 177 m² | 1 · 142 m² | 11.4 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 to 2024 · 2 entries · 7,306 EUR awarded · 7,306 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 2,130 EUR | 2,130 EUR |
| 2022 | 1 | 5,176 EUR | 5,176 EUR |
Schemes
Vlaams opleidingsverlof (VOV)
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Of 1,804 companies in sector 46831 we hold annual accounts for 1,398. 998 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-01-1960
Fiscal year end30-06
Activities, NACEBEL
23700Cutting, shaping and finishing of stone
26700
46831Wholesale of construction materials, general range
51532
Sources
Crossroads Bank for EnterprisesNational Bank · 48 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.