LE NAUTY

Active

Private limited companyfounded 20233 yrs activeRue de Montigny 104, 6000 Charleroi, BelgiumKBO/BCE: BE 0802.958.377

Summary

The computed 12-month bankruptcy probability of LE NAUTY is 2.7% (moderate). The 2025 annual accounts show negative equity (-€85,689) and a net result of €8,011. Equity is shrinking by ~19.3% per year across the filed fiscal years. Its solvency ranks better than 8% of 14676 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Risk analysisWatch Report Compare

LE NAUTYActiveChecked score 51/100

Risk analysis Report Compare

Activity

Cafés and bars

NACE 56301

1 site

Size

€58,053total assets 2025

Equity: -€85,689
Profit: €8,011

Financial health

51 Fair Checked score 2025

Bankruptcy chance 12 m: 2.7%

Structure

Accounts 18 d early0 of 2 deeds read

Why 51- Founded in 2023- Sector Food and beverage service activities (NACE 56)- Negative equity -€85,689+ Liquidity: current ratio 0.32, cash €26,987Show the evidence

Checked score

Score 2025

51 / 100

Fair

Probability in this band: 1.5% to 4.2%

Better than 39% of its sector peers (NACE 56, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2024

Weak

Solvency 0=

equity -147.6% of total assets

Liquidity 50+4

short-term debt 247.6% · cash 46.5%

Profitability 63+63

return on assets 13.8%

Bankruptcy probability, 12 months

2.7% Moderate

0%0.5%1.5%4%10%≥ 25%

About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.9% (23,449 companies)

Last 16 months 07-2025: 6.6% 08-2025: 7.3%▲ +10.2% vs 07-2025highest value 09-2025: 4.4%▼ -40.3% vs 08-2025 10-2025: 4.4%● 0.0% vs 09-2025 11-2025: 4.4%● 0.0% vs 10-2025 12-2025: 4.4%● 0.0% vs 11-2025 01-2026: 4.3%▼ -0.8% vs 12-2025 02-2026: 4.4%▲ +0.6% vs 01-2026 03-2026: 4.3%▼ -1.2% vs 02-2026 04-2026: 4.3%● 0.0% vs 03-2026 05-2026: 4.3%● 0.0% vs 04-2026 06-2026: 4.3%▼ -1.1% vs 05-2026 07-2026: 4.5%▲ +4.6% vs 06-2026 08-2026: 2.7%▼ -39.5% vs 07-2026 09-2026: 2.7%● 0.0% vs 08-2026 10-2026: 2.7%▼ -0.5% vs 09-2026lowest value

Founded in 2023 raises the probability for this profile
Sector Food and beverage service activities (NACE 56) raises the probability
Liquidity: current ratio 0.32, cash €26,987 lowers the probability
Negative equity -€85,689 raises the probability

No credit on open account

Liquidity short (current ratio 0.32 against 0.2 in 2024; short-term debt: 247.6% and cash: 46.5% of total assets), and equity is negative.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 56, micro). Better than this share of them on solvency 9%, liquidity 49%, profitability 42%, growth against the median 54%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

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Signals

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

−lowers risk+raises risk○neutral

Founded in 2023

In the bankruptcy model this factor raises the probability for this profile.

KBO

Sector Food and beverage service activities (NACE 56)

In the bankruptcy model this factor raises the probability.

KBO

Liquidity: current ratio 0.32, cash €26,987

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Negative equity -€85,689

In the bankruptcy model this factor raises the probability.

NBB · annual accounts

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 8% of 14676 sector peers (2025).

NBB · sector comparison

Position among 14676 sector peers

Solvency

better than 8%

← weakest strongest →

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 13-07-2026, 18 days ahead of the deadline.

NBB · 3 filings

Deviation from the deadline

2025

18 d early

2024

28 d late

2023

30 d late

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 3 accounts on average 13 days after the deadline; the sector median for financial year 2024 is 6 days after the deadline, and 53% of the sector filed late.

Checked, nothing found (2)

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. Usually files around 28 August (3 of the last 3 filed years within 46 days of that day).

Companies Code · seven months

Position in the running window

02-10-2026 today31-12-2026 close31-07-2027 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

13-07-26 Annual accounts filedfiscal year 2025 · micro…
31-12-25 Back to profitnet €8,011
28-08-25 Annual accounts filedfiscal year 2024 · micro…

Key points

Risk: Negative equityfiscal year 2025: debts exceed assets -€85,689 View
Caution: Among the weakest 6% on equitysector median €29,271 · 14,705 companies -€85,689 View
Total assets 20253 fiscal years filed €58,053 View