welovestones
ActiveSummary
The computed 12-month bankruptcy probability of welovestones is 3.2% (moderate). The 2025 annual accounts show equity of €14k and a net result of €-9k. Equity is shrinking by ~30% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2028. The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
35
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability30▼-3
Solvency28▼-2
Growth58=
Track record94
Bankruptcy probability, 12 months
3.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Liquidity short (current ratio 0.02 against 0.01 in 2024; short-term debt: 45.2% and cash: 0.6% of total assets), and 97.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · 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 2025Solvency, return and age of the figures
Solvency
2.9%
Return on assets
-1.8%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
232425
2023 to 2025 · latest year €-9k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 02-07-2026, 29 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
29 d early
2024
15 d early
2023
47 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 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
€14k▼ 39.2%
2024 · €23k
2023: €27k
2024: €23k
2023 → 2025
Total assets
€479k▲ 3.3%
2024 · €464k
2023: €480k
2024: €464k
2023 → 2025
Net result
€-9k▼ 89.1%
2024 · €-5k
2023: €-23k
2024: €-5k
2023 → 2025
Working capital
€-213k▼ 18.6%
2024 · €-180k
2023: €-176k
2024: €-180k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€27k-€23k▼ 17.2%€14k▼ 39.2%
Operating result€-11k-€7k€2k▼ 67.8%
Net result€-23k-€-5k▲ 79.3%€-9k▼ 89.1%
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 68% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €479k
Fixed assets
€476k ▲ 3.0%
Current assets
€4k ▲ 52.1%
Equity and liabilities €479k
Equity
€14k ▼ 39.2%
Debt
€466k ▲ 5.4%
Debt's share of the balance-sheet total rises from 95.1% to 97.1%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€18k▼
2024 · €21k
Cash flow
€7k▼
2024 · €10k
Current ratio
0.02▲
2024 · 0.01
Debt to equity
33.82▲
2024 · 19.51
ROE
-64.4%▼
2024 · -20.7%
ROA
-1.8%▼
2024 · -1.0%
Interest coverage
1.59▼
2024 · 1.87
Debt ≤ 1 year
€217k▲
2024 · €182k
Debt > 1 year
€249k▼
2024 · €259k
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 · 39 lines
Balance sheet
Code20242025
Assets
Total assets20/58€464k€479k▲
Fixed assets21/28€462k€476k▲
Tangible fixed assets22/27€462k€476k▲
Land and buildings22€458k€473k▲
Furniture and vehicles24€4k€3k▼
Current assets29/58€3k€4k▲
Amounts receivable within one year40/41€225€1k▲
Trade receivables40€0-
Other amounts receivable41€225€1k▲
Cash at bank and in hand54/58€2k€3k▲
Deferred charges and accrued income490/1€0-
Equity and liabilities
Total equity and liabilities10/49€464k€479k▲
Equity10/15€23k€14k▼
Contributions10/11€0-
Reserves13€50k€50k=
Non-distributable reserves130/1€50k€50k=
Reserves not available under the articles1311€50k€50k=
Profit (loss) carried forward14€-27k€-36k▼
Amounts payable17/49€442k€466k▲
Amounts payable after more than one year17€259k€249k▼
Financial debts170/4€259k€249k▼
Amounts payable within one year42/48€182k€217k▲
Current portion of amounts payable after more than one year42€10k€11k▲
Trade debts44€4k€5k▲
Suppliers440/4€4k€5k▲
Other amounts payable47/48€168k€201k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€15k▲
Other operating charges640/8€2k€2k▼
Gross operating margin9900€23k€20k▼
Operating profit (loss)9901€7k€2k▼
Financial income75/76B€0€31▲
Recurring financial income75€0€31▲
Financial charges65/66B€11k€11k▼
Recurring financial charges65€11k€11k▼
Profit (loss) for the period before taxes9903€-5k€-9k▼
Profit (loss) for the period9904€-5k€-9k▼
Profit (loss) for the period to be appropriated9905€-5k€-9k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-27k€-36k▼
Profit (loss) brought forward from the previous period14P€-23k€-27k▼
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
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
16-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
14-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
NBB filing
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, Antwerpen · 1 establishment unit since 2022
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.
Transvaalstraat 452600 AntwerpenGround area
680 m²
Building footprint
112 m²
Volume, LiDAR
1,524 m³
Parcel 11302D1280/00Y003, Flanders · tallest building 23.6 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
welovestones
since 20222.337.050.989
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11302D1280/00Y003 | Flanders | 680 m² | 1 · 112 m² | 23.6 m · 5 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-09-2022
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.