Natu-Ral
ActiveSummary
Natu-Ral has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €144,253 and a net result of €8,238. Equity is growing by ~16.9% per year across the filed fiscal years. Its solvency ranks better than 76% of 3173 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability73▼-4
Solvency89▼-3
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11,000 at 30 days acceptable
Liquidity ample (current ratio 2.56 against 2.91 in 2024; short-term debt: 33.5% and cash: 21.2% of total assets), and 35.5% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 01
Relative position
BE, all sectors
reference
Crop and animal production, hunting and related service activities (NACE 01)
about 70% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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
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
64.5%
Return on assets
3.7%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 03-08-2026, 3 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
3 d late
2024
30 d late
2023
29 d late
2022
29 d late
2021
30 d late
2020
49 d late
2019
59 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 16 days after the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 37% of the sector filed late.
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. Usually files around 30 August (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€144,253▲ 6.1%
2024 · €136,015
Total assets
€223,669▲ 10.4%
2024 · €202,607
Net result
€8,238▼ 41.1%
2024 · €13,976
Working capital
€117,394▲ 5.0%
2024 · €111,819
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 01, Crop and animal production, hunting and related service activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€26,195▼ 27.4%€31,576▲ 20.5%€18,275▼ 42.1%€25,475▲ 39.4%€20,263▼ 20.5%
Net result€17,731within the sector's middle half▼ 29.5%€17,345within the sector's middle half▼ 2.2%€19,103within the sector's middle half▲ 10.1%€13,976within the sector's middle half▼ 26.8%€8,238within the sector's middle half▼ 41.1%
Equity€85,591within the sector's middle half▲ 26.1%€102,936within the sector's middle half▲ 20.3%€122,039within the sector's middle half▲ 18.6%€136,015within the sector's middle half▲ 11.5%€144,253within the sector's middle half▲ 6.1%
Total assets€164,162within the sector's middle half▲ 5.0%€182,387within the sector's middle half▲ 11.1%€176,509within the sector's middle half▼ 3.2%€202,607within the sector's middle half▲ 14.8%€223,669within the sector's middle half▲ 10.4%
Debt€78,571▼ 11.3%€79,452▲ 1.1%€54,470▼ 31.4%€66,592▲ 22.3%€79,416▲ 19.3%
Working capital€65,462within the sector's middle half▲ 23.6%€86,449within the sector's middle half▲ 32.1%€99,553above the sector's middle half▲ 15.2%€111,819above the sector's middle half▲ 12.3%€117,394above the sector's middle half▲ 5.0%
Solvency52.1%within the sector's middle half▲ 8.8pp56.4%within the sector's middle half▲ 4.3pp69.1%above the sector's middle half▲ 12.7pp67.1%above the sector's middle half▼ 2.0pp64.5%above the sector's middle half▼ 2.6pp
Current ratio2.02within the sector's middle half▲ 0.362.26within the sector's middle half▲ 0.243.14above the sector's middle half▲ 0.882.91above the sector's middle half▼ 0.232.56above the sector's middle half▼ 0.34
Return on assets (ROA)10.8%above the sector's middle half▼ 5.3pp9.5%above the sector's middle half▼ 1.3pp10.8%above the sector's middle half▲ 1.3pp6.9%within the sector's middle half▼ 3.9pp3.7%within the sector's middle half▼ 3.2pp
Staff (FTE)1.7▲ 54.5%20.8▼ 60.0%
above
within
below
the middle half (P25 to P75) of NACE 01, Crop and animal production, hunting and related service activities, each year against the same schema; no band under 30 filings.
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 20% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €223,669
Fixed assets
€31,245 ▼ 3.0%
Current assets
€192,424 ▲ 12.9%
Equity and liabilities €223,669
Equity
€144,253 ▲ 6.1%
Debt
€79,416 ▲ 19.3%
Debt's share of the balance-sheet total rises from 32.9% to 35.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€25,138▼
2024 · €30,357
Cash flow
€13,112▼
2024 · €18,857
Quick ratio
1.95▼
2024 · 2.24
Debt to equity
0.55▲
2024 · 0.49
ROE
5.7%▼
2024 · 10.3%
Interest coverage
7.06▲
2024 · 6.72
Debt ≤ 1 year
€75,030▲
2024 · €58,592
Debt > 1 year
€4,386▼
2024 · €8,000
Income taxes
€8,465▲
2024 · €6,983
Staff costs
€3,657▼
2024 · €18,412
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 17,040 companies that looked in July 2024 the way this one looks now, 0.5% went bankrupt within 24 months and 94% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit under 5% of the balance sheet
0.5%
went bankrupt
4.9%
stopped otherwise
94%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.1% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 1.0% |
| 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% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 17,040 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €53,646 | €63,362 | €34,787 | €18,412 | €3,657 | ▼ 80.1% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €7,074 | €8,771 | €5,897 | €4,881 | €4,874 | ▼ 0.1% |
| Other operating charges640/8 | €2,812 | €2,350 | €1,254 | €2,880 | €2,326 | ▼ 19.2% |
| Gross operating margin9900 | €89,727 | €106,059 | €60,213 | €51,649 | €31,120 | ▼ 39.7% |
| Operating profit (loss)9901 | €26,195 | €31,576 | €18,275 | €25,475 | €20,263 | ▼ 20.5% |
| Financial income75/76B | €26 | €0 | - | - | - | - |
| Recurring financial income75 | €26 | €0 | - | - | - | - |
| Financial charges65/66B | €2,536 | €2,885 | €5,064 | €4,516 | €3,560 | ▼ 21.2% |
| Recurring financial charges65 | €2,536 | €2,885 | €5,064 | €4,516 | €3,560 | ▼ 21.2% |
| Profit (loss) for the period before taxes9903 | €23,685 | €28,692 | €13,211 | €20,959 | €16,703 | ▼ 20.3% |
| Income taxes67/77 | €5,954 | €11,347 | -€5,892 | €6,983 | €8,465 | ▲ 21.2% |
| Profit (loss) for the period9904 | €17,731 | €17,345 | €19,103 | €13,976 | €8,238 | ▼ 41.1% |
| Profit (loss) for the period to be appropriated9905 | €17,731 | €17,345 | €19,103 | €13,976 | €8,238 | ▼ 41.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €164,162 | €182,387 | €176,509 | €202,607 | €223,669 | ▲ 10.4% |
| Fixed assets21/28 | €34,286 | €27,304 | €30,487 | €32,196 | €31,245 | ▼ 3.0% |
| Tangible fixed assets22/27 | €34,062 | €27,080 | €30,263 | €31,972 | €31,021 | ▼ 3.0% |
| Land and buildings22 | €9,712 | €8,837 | €7,962 | €7,087 | €6,212 | ▼ 12.3% |
| Plant, machinery and equipment23 | €16,105 | €15,613 | €21,808 | €24,885 | €24,809 | ▼ 0.3% |
| Furniture and vehicles24 | €8,245 | €2,629 | €493 | €0 | - | - |
| Financial fixed assets28 | €224 | €224 | €224 | €224 | €224 | = |
| Current assets29/58 | €129,876 | €155,084 | €146,022 | €170,411 | €192,424 | ▲ 12.9% |
| Stocks and contracts in progress3 | €68,307 | €63,106 | €50,686 | €39,140 | €46,344 | ▲ 18.4% |
| Stocks30/36 | €68,307 | €63,106 | €50,686 | €39,140 | €46,344 | ▲ 18.4% |
| Amounts receivable within one year40/41 | €33,220 | €52,606 | €69,445 | €91,946 | €96,336 | ▲ 4.8% |
| Trade receivables40 | €10,145 | €18,554 | €16,261 | €21,486 | €23,312 | ▲ 8.5% |
| Other amounts receivable41 | €23,075 | €34,053 | €53,184 | €70,460 | €73,025 | ▲ 3.6% |
| Cash at bank and in hand54/58 | €27,303 | €37,224 | €23,682 | €36,992 | €47,403 | ▲ 28.1% |
| Deferred charges and accrued income490/1 | €1,046 | €2,147 | €2,209 | €2,333 | €2,340 | ▲ 0.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €164,162 | €182,387 | €176,509 | €202,607 | €223,669 | ▲ 10.4% |
| Equity10/15 | €85,591 | €102,936 | €122,039 | €136,015 | €144,253 | ▲ 6.1% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Capital10 | €18,600 | - | - | - | - | - |
| Issued capital100 | €18,600 | - | - | - | - | - |
| Reserves13 | €41,838 | €59,183 | €78,286 | €92,262 | €100,500 | ▲ 8.9% |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Legal reserve130 | €1,860 | - | - | - | - | - |
| Reserves not available under the articles1311 | - | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Distributable reserves133 | €39,978 | €57,323 | €76,426 | €90,402 | €98,640 | ▲ 9.1% |
| Profit (loss) carried forward14 | €25,153 | €25,153 | €25,153 | €25,153 | €25,153 | = |
| Amounts payable17/49 | €78,571 | €79,452 | €54,470 | €66,592 | €79,416 | ▲ 19.3% |
| Amounts payable after more than one year17 | €14,157 | €10,816 | €8,000 | €8,000 | €4,386 | ▼ 45.2% |
| Financial debts170/4 | €14,157 | €10,816 | €8,000 | €8,000 | €4,386 | ▼ 45.2% |
| Amounts payable within one year42/48 | €64,414 | €68,635 | €46,470 | €58,592 | €75,030 | ▲ 28.1% |
| Current portion of amounts payable after more than one year42 | €3,298 | €3,340 | €3,162 | - | - | - |
| Financial debts43 | €35,000 | €35,000 | €35,000 | €30,000 | €35,000 | ▲ 16.7% |
| Credit institutions430/8 | €35,000 | €35,000 | €35,000 | €30,000 | €35,000 | ▲ 16.7% |
| Trade debts44 | €7,355 | €5,202 | €369 | €25,284 | €14,113 | ▼ 44.2% |
| Suppliers440/4 | €7,355 | €5,202 | €369 | €25,284 | €14,113 | ▼ 44.2% |
| Taxes, remuneration and social security45 | €15,500 | €21,874 | €6,680 | €3,308 | €5,916 | ▲ 78.9% |
| Taxes450/3 | €12,706 | €17,403 | €4,191 | €3,308 | €5,916 | ▲ 78.9% |
| Remuneration and social security454/9 | €2,794 | €4,471 | €2,489 | - | - | - |
| Other amounts payable47/48 | €3,262 | €3,219 | €1,259 | - | €20,000 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €17,731 | €17,345 | €19,103 | €13,976 | €8,238 | ▼ 41.1% |
| + Depreciation and write-downs630 | €7,074 | €8,771 | €5,897 | €4,881 | €4,874 | ▼ 0.1% |
| Operating cash flow (approximation) | €24,805 | €26,116 | €25,000 | €18,857 | €13,112 | ▼ 30.5% |
| Investment in fixed assets (approximation) | - | -€1,789 | -€9,080 | -€6,591 | -€3,924 | ▲ 40.5% |
| Change in cash | - | €9,921 | -€13,542 | €13,310 | €10,410 | ▼ 21.8% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
03-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 3 days late
2025
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
31-12
Financial
Equity above €100,000Eq €102,936 ▲20.3%
4 profitable years in a row build equity to €102,936.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
18-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 49 days late
2020
31-12
Financial
Highest result since 2019net €25,153 ▲2,177%
Operating result €36,058, net result €25,153, both a record.
2019
03-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
20-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
14-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
15-12
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.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
No directors read yet: 0 of 2 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Kampenhout · 1 establishment unit since 2003
Ground area
5,250 m²
Building footprint
455 m²
Volume, LiDAR
1,622 m³
Parcel 23038D0041/00B000, Flanders · tallest building 25.8 m, ±1 floor. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Frijselstraat 40, 1910 Kampenhout
since 20032.123.572.696
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23038D0041/00B000 | Flanders | 5,249 m² | 1 · 455 m² | 25.8 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Subsidies and aid
Flemish government
2022 to 2023 · 5 entries · 1,974 EUR awarded · 1,974 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 3 | 1,437 EUR | 1,474 EUR |
| 2022 | 2 | 537 EUR | 500 EUR |
Recognitions · licences · registrations
Food safety, FASFC
1 siteKampenhout2.123.572.696
Dual-learning approval
2 live approvals · 1 endedAssistent plantaardige productie duaal (so)
Productiemedewerker plant duaal (so)
Show 1 ended approval
Assistent plantaardige productie duaal (so)
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Company details
Identification
Legal formPrivate limited company
Founded11-12-2002
Fiscal year end31-12
Trade name NL
Vaste Planten Jo Bogaerts
Activities, NACEBEL 2025
01191Growing of flowers
81300Landscape service activities
E-invoicing
Reachable via Peppol
Peppol ID
0208:0478988968
Also
9925:BE0478988968
Registered
10-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.