CAMPOVERDE STONE

Active

Private limited companyfounded 20206 yrs activeBasiliekstraat 64, 1500 Halle, BelgiumKBO/BCE: BE 0746.355.711

The computed 12-month bankruptcy probability of CAMPOVERDE STONE is 2.2% (moderate). The 2025 annual accounts show equity of €157k and a net result of €-54k. Equity is growing by ~26.4% per year across the filed fiscal years. Its solvency ranks better than 42% of 7452 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

36 / 100

Weak

The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability3▼-84

Solvency61▼-4

Growth52▼-26

Track record100

Bankruptcy probability, 12 months

2.2% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €5k at 30 days only on tighter terms

Liquidity ample (current ratio 1.54 against 1.63 in 2024; short-term debt: 64% and cash: 9.8% of total assets), but 64% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Six signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 41

Relative position

BE, all sectors

reference

Sector 41

higher

← fewer bankruptcies more bankruptcies →

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 2025

Solvency, return and age of the figures

Solvency

36%

Return on assets

-12.4%

Age of the figures

15 mo

Latest accounts filed on time

The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 20-01-2026, 11 days ahead of the deadline.

NBB · 5 filings

Deviation from the deadline

2025

11 d early

2024

35 d early

2023

218 d late

2022

on the day

2021

6 d early

← before the deadline after the deadline →

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 months

Position in the running window

30-06-2026 close23-09-2026 today31-01-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€157k▼ 25.6%

2024 · €211k

2021: €47k 2022: €121k 2023: €134k 2024: €211k

2021 → 2025

Total assets

€436k▼ 17.3%

2024 · €528k

2021: €60k 2022: €150k 2023: €284k 2024: €528k

2021 → 2025

Net result

€-54k

2024 · €77k

2021: €42k 2022: €74k 2023: €13k 2024: €77k

2021 → 2025

Working capital

€149k▼ 25.3%

2024 · €200k

2021: €47k 2022: €130k 2023: €125k 2024: €200k

2021 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€47k-€121k▲ 155%€134k▲ 10.8%€211k▲ 57.5%€157k▼ 25.6%

Operating result€43k-€86k▲ 101%€16k▼ 81.3%€108k▲ 573%€-52k

Net result€42k-€74k▲ 73.2%€13k▼ 82.3%€77k▲ 490%€-54k

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result turns negative in 2025: a loss of €52k after €108k in 2024, the lowest result in the available series.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €436k

98.2%

Fixed assets €8k▼ 30.2%

Current assets €429k▼ 17.1%

Equity and liabilities €436k

36.0%

64.0%

Equity €157k▼ 25.6%

Debt €279k▼ 11.8%

The debt ratio rises from 60.0% to 64.0%. Equity and debt are lower.

Key figures and ratios

2025 value · change against 2024

EBITDA

€-48k▼

2024 · €111k

Cash flow

€-51k▼

2024 · €81k

Solvency

36.0%▼

2024 · 40.0%

Current ratio

1.54▼

2024 · 1.63

Quick ratio

1.54▼

2024 · 1.63

Debt / equity

1.78▲

2024 · 1.50

ROE

-34.3%▼

2024 · 36.5%

ROA

-12.4%▼

2024 · 14.6%

Interest coverage

-11.09▼

2024 · 13.08

Debt

€279k▼

2024 · €317k

Debt ≤ 1 year

€279k▼

2024 · €317k

Staff costs

€13k

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€528k€436k▼

Fixed assets21/28€11k€8k▼

Tangible fixed assets22/27€10k€6k▼

Plant, machinery and equipment23€2k€1k▼

Furniture and vehicles24€8k€5k▼

Financial fixed assets28€2k€2k=

Current assets29/58€517k€429k▼

Amounts receivable within one year40/41€511k€386k▼

Trade receivables40€466k€341k▼

Other amounts receivable41€46k€44k▼

Cash at bank and in hand54/58€5k€43k▲

Equity and liabilities

Total equity and liabilities10/49€528k€436k▼

Equity10/15€211k€157k▼

Contributions10/11€5k€5k=

Profit (loss) carried forward14€206k€152k▼

Amounts payable17/49€317k€279k▼

Amounts payable within one year42/48€317k€279k▼

Trade debts44€286k€263k▼

Suppliers440/4€286k€263k▼

Taxes, remuneration and social security45€31k€16k▼

Taxes450/3€25k€9k▼

Remuneration and social security454/9€6k€7k▲

Income statement Code20242025

Remuneration, social security and pensions62-€13k

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€3k▼

Other operating charges640/8€852€2k▲

Gross operating margin9900€112k€-33k▼

Operating profit (loss)9901€108k€-52k▼

Financial income75/76B€2k€2k▲

Recurring financial income75€2k€2k▲

Financial charges65/66B€9k€4k▼

Recurring financial charges65€9k€4k▼

Profit (loss) for the period before taxes9903€101k€-54k▼

Income taxes67/77€24k-

Profit (loss) for the period9904€77k€-54k▼

Profit (loss) for the period to be appropriated9905€77k€-54k▼

Appropriation of the result

Profit (loss) to be appropriated9906€206k€152k▼

Profit (loss) brought forward from the previous period14P€129k€206k▲

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 10Financial 5Filings 5

Next filing, fiscal year 2026, expected by 31-01-2027

2026

20-01

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

30-06

Financial Weakest financial yearnet €-54k ▼170%

Net result drops to €-54k, the lowest in the series.

2024

27-12

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

05-09

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 218 days late

30-06

Financial Highest result since 2021net €77k ▲490%

Operating result €108k, net result €77k, both a record.

30-06

Financial Equity above €200kEq €211k ▲57.5%

4 profitable years in a row build equity to €211k.

2023

31-01

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

30-06

Financial Liquidity triplescurrent ratio 13.58

Current ratio from 4.66 to 13.58; short-term debt falls from €13k to €10k.

30-06

Financial Equity above €100kEq €121k ▲155%

2 profitable years in a row build equity to €121k.

25-01

NBB filing Annual accounts filed

fiscal year 2021 · micro schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

0 of 6 acts read

About the unread acts

We know of 6 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Have them read with priority Sign in to place this company at the front of the reading queue.

Directors · office · real estate

Directors

no sitting director, last change in 2023

We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.

16-11-2023 Resigned as Director

Not every act has been read: a resignation may be missing here

6 of this company's 6 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.

Location & real-estate footprint

Registered office, Halle · 1 establishment unit since 2020

seat establishment The establishment unit on the map

Ground area

584 m²

Building footprint

293 m²

Volume, LiDAR

3,916 m³

2 parcels, Brussels, Flanders · tallest building 19.5 m, ±5 floors. Linked by address, not a title deed.

1 establishment unit

CAMPOVERDE STONE

Ahornbomenstraat 31, 1040 EtterbeekSite preparation

since 20202.301.371.223

2 parcels

Flanders 1 (50%) Brussels 1 (50%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
21362B0037/00E005	Brussels	474 m²	1 · 185 m²	19.5 m · 5 fl.
23027G0121/00B000 ProtectedTownscape or village viewStadskern HalleSource ↗	Flanders	110 m²	1 · 108 m²	15.3 m · 2 fl.