Equity
€193,128 ▲ 32.7%
NATFLOWIT has made a profit in every financial year since 2023.
NATFLOWIT
Lifetime
3 annual accounts with figures on one time axispeak €91,361 (2023)
€60,619▼ 32.3%
peak €71,155 (2023)
€47,608▼ 32.3%
peak €193,128 (2025)
€193,128▲ 32.7%
€8,885▼ 60.7%
Board1 name since 2023
1 directorBernd Schwarzer
Documentsfilings and deeds
28-07-20263 days before the deadline
2025micro format
Gross margin from €89,587 to €60,619Result from €70,366 to €47,608Registered office moved from Nieuwpoort to Veurne 15-07Equity from €145,521 to €193,128Debts from €22,581 to €8,885
Key points
from the 2025 annual accountsTurnover
≈ €120,000 estimated
The micro format states no turnover.
Liquidity
24.38 was 7.39 in 2024
Short-term debts fell from €22,581 to €8,245.
Filings
3 annual accounts 1 late
The 2023 accounts came 20 days late. The other two were filed on time.
Starting capital
€4,000 100 shares
Position in the sector
95.6%
Higher solvency than 95% of companies in computer programming and consultancy. Sector median 60.0% · 21,208 companies.
Checked score
97
Excellent
Financially stronger than 79% of micro companies in computer programming and consultancy (NACE 62)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 25,932 companies (NACE 62, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: < 0.1%
01-2025: < 0.1%● unchanged vs 12-2024lowest value
02-2025: < 0.1%● unchanged vs 01-2025
03-2025: < 0.1%● unchanged vs 02-2025
04-2025: < 0.1%● unchanged vs 03-2025
05-2025: < 0.1%● unchanged vs 04-2025
06-2025: < 0.1%● unchanged vs 05-2025
07-2025: < 0.1%● unchanged vs 06-2025
08-2025: < 0.1%● unchanged vs 07-2025
09-2025: < 0.1%● unchanged vs 08-2025
10-2025: < 0.1%● unchanged vs 09-2025
11-2025: < 0.1%● unchanged vs 10-2025
12-2025: < 0.1%● unchanged vs 11-2025
01-2026: < 0.1%● unchanged vs 12-2025
02-2026: < 0.1%● unchanged vs 01-2026
03-2026: < 0.1%● unchanged vs 02-2026
04-2026: < 0.1%● unchanged vs 03-2026
05-2026: < 0.1%● unchanged vs 04-2026
06-2026: < 0.1%● unchanged vs 05-2026
07-2026: 0.1%▲ +0.1 percentage points vs 06-2026highest value
08-2026: < 0.1%▼ -0.1 percentage points vs 07-2026
09-2026: < 0.1%● unchanged vs 08-2026
10-2026: < 0.1%● unchanged vs 09-2026
11-2026: < 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
1 change of registered office in 24 months
lowers risk
Liquidity: current ratio 24.38, cash €188,787
Sector: Computer programming, consultancy and related activities (NACE 62)
Equity €193,128 (95.6% of total assets)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 62, micro). It does better than 85% of them on solvency, 96% on liquidity, 63% on profitability and 73% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 39,278 companies had the same profile as NATFLOWIT has now. Each dot stands for 99 companies, two years later.
95.8%
were still trading
2.3%
stopped another way
1.8%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of NATFLOWIT itself is lower: < 0.1% within 12 months. It rests on far more data about NATFLOWIT than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 39,278 companies, not a prediction for NATFLOWIT. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €18,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 24.38 (7.39 in 2024), above the usual 1.5. Short-term debt is 4.1% and cash 93.5% of total assets. 4.4% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
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 28-07-2026, 3 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
3 days early
2024
on the day
2023
20 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 3 accounts on average 6 days after the deadline. In the sector (NACE 62), the median for financial year 2024 was 9 days before the deadline, and 33% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 31 July (3 of the last 3 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- Bernd Schwarzer 99 sharesdeed of 10-08-2023
- Ingrid Janssen 1 sharedeed of 10-08-2023
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0804635289
Registered office moved from Nieuwpoort to Veurne
New registered office: Vaartstraat 25 bus 0202, 8630 Veurne · Previous registered office: Pieter Deswartelaan 31/A102, 8620 Nieuwpoort · Board meeting of 02-05-2025 · Gazette deed
Incorporation
Founding capital of €4,000, 100 shares · Founders: Bernd Schwarzer and Ingrid Janssen · Appointment: Bernd Schwarzer (director) · published on 10-08-2023 · Gazette deed
First establishment
Vaartstraat 25, Veurne
Comparable companies
same main activity, similar in size and ageThese companies have the same main activity as NATFLOWIT: computer consultancy and computer facilities management (NACE 62200). They are comparable in size and age: total assets between €183,000 and €217,000, founded in 2023.
Official details
Source: KBO- Status
- Active since 08-08-2023Normal situation
- Activity
- Computer consultancy and computer facilities managementNACE 62200and 5 others
- Establishment unit
- 2.348.198.4678630 Veurne, since 08-08-2023
- Financial year end
- 31 December
- Peppol
- Reachable since 04-01-2026
Annual accounts 2025
- €202,013▲ 20.2%
- Filing
- Filed on 28-07-2026, 3 days before the end of the filing period
Insights on NATFLOWIT
NATFLOWIT files the micro format. That format states no turnover. The gross margin fell from €91,361 in 2023 to €60,619 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about NATFLOWIT
- What is the company number of NATFLOWIT?
- The company number of NATFLOWIT is 0804.635.289. The VAT number is the same number with BE in front: BE 0804.635.289.
- Where is NATFLOWIT based?
- The registered office is at Vaartstraat 25, 8630 Veurne.Company details
- What does NATFLOWIT do?
- According to the KBO register, the main activity is computer consultancy and computer facilities management (NACE 62200).
- What is the legal form of NATFLOWIT?
- NATFLOWIT is a private limited company (BV).
- When was NATFLOWIT founded?
- NATFLOWIT was founded on 08-08-2023.
- Is NATFLOWIT still active?
- Yes, NATFLOWIT is an active enterprise in the KBO register.
- What is the turnover of NATFLOWIT?
- The turnover in financial year 2025 is ≈ €120,000. This figure is estimated from the gross margin of €60,619 and 60 comparable companies (NACE 62200). It probably lies between €100,000 and €150,000.Financials
- Is NATFLOWIT profitable?
- In financial year 2025, NATFLOWIT made a profit of €47,608.
- Where can I find the annual accounts of NATFLOWIT?
- NATFLOWIT filed 3 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of NATFLOWIT due?
- NATFLOWIT must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
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