NATURA MATER
ActiveThe computed 12-month bankruptcy probability of NATURA MATER is 3.8% (moderate). The 2025 annual accounts show negative equity (€-15k) and a net result of €-5k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 8% of 9389 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability100▲+100
Solvency67=
Growth58=
Stability100
Bankruptcy probability, 12 months
3.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity ample (current ratio 5.57 against 3.81 in 2024), but equity is negative.
Credit advice for your own amount and term
Signals
Eight 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
-16.5%
Return on assets
-5.7%
Age of the figures
9 mo
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 →
raises risk · Negative equity
Equity is negative for financial year 2025: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).
NBB · annual accounts 2025Equity per financial year
2122232425
2021 to 2025 · latest year -€15k
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 17-08-2026, 17 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 5 filingsDeviation from the deadline
2025
17 d late
2024
31 d early
2023
45 d early
2022
32 d early
2021
9 d early
← before the deadline
after the deadline →
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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-15k▼ 52.6%
2024 · €-10k
2021: €-2k
2022: €5k
2023: €-17k
2024: €-10k
2021 → 2025
Total assets
€92k▼ 15.9%
2024 · €109k
2021: €136k
2022: €206k
2023: €110k
2024: €109k
2021 → 2025
Net result
€-5k
2024 · €7k
2021: €-10k
2022: €7k
2023: €-22k
2024: €7k
2021 → 2025
Working capital
€72k▼ 8.0%
2024 · €79k
2021: €97k
2022: €143k
2023: €72k
2024: €79k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-2k-€5k€-17k€-10k▲ 42.1%€-15k▼ 52.6%
Operating result€-10k-€7k€-22k€8k€-5k
Net result€-10k-€7k€-22k€7k€-5k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €5k after €8k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €92k
Fixed assets
€4k▲ 44.0%
Current assets
€88k▼ 17.3%
Key figures and ratios
EBITDA
€-5k▼
2024 · €8k
Cash flow
€-5k▼
2024 · €7k
Solvency
-16.5%▼
2024 · -9.1%
Current ratio
5.57▲
2024 · 3.81
Quick ratio
3.30▲
2024 · 2.52
Debt / equity
-7.07▲
2024 · -12.02
ROE
34.5%▲
2024 · -72.8%
ROA
-5.7%▼
2024 · 6.6%
Interest coverage
-14.92▼
2024 · 15.41
Debt
€107k▼
2024 · €119k
Debt ≤ 1 year
€16k▼
2024 · €28k
Debt > 1 year
€91k=
2024 · €91k
Staff costs
€46k▼
2024 · €64k
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€109k€92k▼
Fixed assets21/28€2k€4k▲
Intangible fixed assets21-€1k
Tangible fixed assets22/27€963€706▼
Furniture and vehicles24€963€706▼
Financial fixed assets28€2k€2k=
Current assets29/58€107k€88k▼
Stocks and contracts in progress3€36k€36k=
Stocks30/36€36k€36k=
Amounts receivable within one year40/41€64k€43k▼
Trade receivables40€59k€43k▼
Other amounts receivable41€5k-
Cash at bank and in hand54/58€6k€9k▲
Deferred charges and accrued income490/1-€364
Equity and liabilities
Total equity and liabilities10/49€109k€92k▼
Equity10/15€-10k€-15k▼
Contributions10/11€8k€8k=
Profit (loss) carried forward14€-17k€-23k▼
Amounts payable17/49€119k€107k▼
Amounts payable after more than one year17€91k€91k=
Financial debts170/4€91k€91k=
Amounts payable within one year42/48€28k€16k▼
Trade debts44€21k€6k▼
Suppliers440/4€21k€6k▼
Taxes, remuneration and social security45€6k€9k▲
Taxes450/3-€3k
Remuneration and social security454/9€6k€6k▲
Other amounts payable47/48€370€882▲
Income statement
Code20242025
Remuneration, social security and pensions62€64k€46k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€122€415▲
Other operating charges640/8-€1k
Gross operating margin9900€72k€43k▼
Operating profit (loss)9901€8k€-5k▼
Financial income75/76B-€45
Recurring financial income75-€45
Financial charges65/66B€508€304▼
Recurring financial charges65€508€304▼
Profit (loss) for the period before taxes9903€7k€-5k▼
Profit (loss) for the period9904€7k€-5k▼
Profit (loss) for the period to be appropriated9905€7k€-5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-17k€-23k▼
Profit (loss) brought forward from the previous period14P€-25k€-17k▲
The notes to these accounts (10 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
17-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 17 days late
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
16-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-22k ▼410%
Net result drops to €-22k, the lowest in the series; recovery starts the following year.
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
22-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Brussel · 1 establishment unit since 2020
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.
Louizalaan 5231050 BrusselGround area
3,529 m²
Building footprint
1,878 m²
Volume, LiDAR
44,063 m³
Parcel 21822R0226/00W011, Brussels · tallest building 38.1 m, ±7 floors. Linked by address, not a title deed.
1 establishment unit
NATURA MATER
since 20202.303.298.949
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21822R0226/00W011 | Brussels | 3,529 m² | 1 · 1,878 m² | 38.1 m · 7 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.
Similar companies · same sector, comparable size
VIA
BE 0455.056.890
Zulte · Eq €5k
RMB-BOX
BE 0555.834.249
Sambreville · Eq €5k
HONFLEUR CONSTRUCT
BE 1018.718.447
Middelkerke · Eq €5k
STUCKERS BOUWMATERIALEN
BE 0880.458.211
Antwerpen · Eq €5k
Ecoluc.be
BE 0766.995.925
Haaltert · Eq €5k
Of 1,794 companies in sector 46831 we hold annual accounts for 1,390. 203 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-05-2020
Fiscal year end31-12
Activities, NACEBEL
46831Wholesale of construction materials, general range
71121Engineering and related technical consultancy, excluding land surveyors
46130Agents in the wholesale of timber and building materials
47120Other non-specialised retail sale
47910Retail trade
70200Business and other management consultancy
70220Business consulting
82990Other business support services
85592Vocational training
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:www.naturamater.eu
E-mail:hello@naturamater.eu