STONE PARTNER
ActiveSTONE PARTNER has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €61k and a net result of €7k. Equity remains stable across the filed fiscal years (±1.4% per year). Its solvency ranks better than 61% of 11200 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
93
/ 100
Excellent▼ -1 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability56▼-13
Solvency90▲+1
Growth78=
Stability100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 1.67 against 1.82 in 2024), and 43.6% 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
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
56.4%
Return on assets
6.3%
Age of the figures
11 mo
lowers risk · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €61k
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 23-04-2026, 7 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
7 d early
2024
27 d early
2023
9 d early
2022
20 d early
2021
12 d early
2020
44 d early
2019
54 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
15-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€61k▲ 12.5%
2024 · €54k
2018: €47k
2019: €52k
2020: €47k
2021: €48k
2022: €46k
2023: €47k
2024: €54k
2018 → 2025
Total assets
€108k▼ 3.9%
2024 · €113k
2018: €156k
2019: €152k
2020: €137k
2021: €131k
2022: €118k
2023: €111k
2024: €113k
2018 → 2025
Net result
€7k▼ 9.6%
2024 · €8k
2018: €5k
2019: €5k
2020: €-5k
2021: €700
2022: €-2k
2023: €616
2024: €8k
2018 → 2025
Working capital
€13k▼ 25.8%
2024 · €17k
2018: €33k
2019: €35k
2020: €27k
2021: €22k
2022: €17k
2023: €14k
2024: €17k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€48k-€46k▼ 3.3%€47k▲ 1.3%€54k▲ 16.1%€61k▲ 12.5%
Operating result€6k-€3k▼ 55.7%€5k▲ 94.4%€14k▲ 186%€13k▼ 6.9%
Net result€700-€-2k€616€8k▲ 1,119%€7k▼ 9.6%
Turnover and EBIT margin not published: the micro 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 €108k
Fixed assets
€76k▲ 2.8%
Current assets
€32k▼ 16.8%
Equity and liabilities €108k
Equity
€61k▲ 12.5%
Debt
€47k▼ 19.1%
The debt ratio falls from 51.8% to 43.6%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€18k▼
2024 · €19k
Cash flow
€12k▼
2024 · €13k
Solvency
56.4%▲
2024 · 48.2%
Current ratio
1.67▼
2024 · 1.82
Quick ratio
1.67▼
2024 · 1.82
Debt / equity
0.77▼
2024 · 1.07
ROE
11.1%▼
2024 · 13.8%
ROA
6.3%▼
2024 · 6.7%
Interest coverage
7.32▼
2024 · 7.73
Debt
€47k▼
2024 · €58k
Debt ≤ 1 year
€19k▼
2024 · €21k
Debt > 1 year
€28k▼
2024 · €37k
Income taxes
€4k▼
2024 · €4k
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€113k€108k▼
Fixed assets21/28€74k€76k▲
Tangible fixed assets22/27€74k€76k▲
Land and buildings22€74k€70k▼
Furniture and vehicles24-€7k
Current assets29/58€38k€32k▼
Amounts receivable within one year40/41€7k€7k=
Trade receivables40€7k€7k=
Cash at bank and in hand54/58€25k€20k▼
Deferred charges and accrued income490/1€6k€5k▼
Equity and liabilities
Total equity and liabilities10/49€113k€108k▼
Equity10/15€54k€61k▲
Contributions10/11€20k€20k=
Reserves13€41k€47k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€39k€45k▲
Profit (loss) carried forward14€-6k€-6k=
Amounts payable17/49€58k€47k▼
Amounts payable after more than one year17€37k€28k▼
Financial debts170/4€37k€28k▼
Amounts payable within one year42/48€21k€19k▼
Current portion of amounts payable after more than one year42€9k€9k=
Trade debts44€493€572▲
Suppliers440/4€493€572▲
Taxes, remuneration and social security45€5k€3k▼
Taxes450/3€5k€3k▼
Other amounts payable47/48€6k€6k▼
Accrued charges and deferred income492/3€616€449▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€5k▲
Other operating charges640/8€1k€1k▼
Gross operating margin9900€21k€20k▼
Operating profit (loss)9901€14k€13k▼
Financial income75/76B€14€56▲
Recurring financial income75€14€56▲
Financial charges65/66B€3k€3k▲
Recurring financial charges65€3k€3k▲
Profit (loss) for the period before taxes9903€12k€11k▼
Income taxes67/77€4k€4k▼
Profit (loss) for the period9904€8k€7k▼
Profit (loss) for the period to be appropriated9905€8k€7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€1k€530▼
Profit (loss) brought forward from the previous period14P€-6k€-6k=
Transfer to equity691/2€8k€7k▼
To other reserves6921€8k€7k▼
The notes to these accounts (8 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
23-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
03-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Highest result since 2018net €8k ▲1119%
Operating result €14k, net result €8k, both a record.
21-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Back to profitnet €616
Net result €616 after one loss-making year.
10-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
18-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Back to profitnet €700
Net result €700 after one loss-making year.
17-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Weakest financial yearnet €-5k ▼202%
Net result drops to €-5k, the lowest in the series; recovery starts the following year.
07-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
11-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
03-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
09-03
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
2 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, Dentergem · 1 establishment unit since 2003
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.
Sint-Sebastiaanslaan(Wak) 88720 DentergemGround area
350 m²
Building footprint
110 m²
Parcel 37016B0990/00V002, Flanders. Linked by address, not a title deed.
1 establishment unit
STONE PARTNER
since 20032.132.678.028
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 37016B0990/00V002 | Flanders | 350 m² | 1 · 110 m² | - |
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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Of 1,794 companies in sector 46831 we hold annual accounts for 1,390. 677 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-04-2003
Fiscal year end30-09
Activities, NACEBEL
46831Wholesale of construction materials, general range
51532
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.