NATURAL CAFFè
ActiveSummary
The computed 12-month bankruptcy probability of NATURAL CAFFè is 1.6% (moderate). The 2025 annual accounts show equity of €223k and a net result of €1k. Equity is growing by ~52.1% per year across the filed fiscal years. Its solvency ranks better than 74% of 3705 sector peers (fiscal year 2025). The company has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability50▼-50
Solvency80▼-5
Growth78=
Track record100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity tight (current ratio 1.11 against 1.4 in 2024; short-term debt: 35.4% and cash: 1.8% of total assets), and 45% of the assets are financed with debt.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Food and beverage service activities (NACE 56)
about 206% more 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
55%
Return on assets
0.3%
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 22-09-2026, 53 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
53 d late
2024
119 d late
2023
26 d early
2022
70 d late
2021
78 d late
2020
88 d late
2019
122 d late
← 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
History
Financials · fiscal year 2025, abbreviated schema
Turnover
€814k
EBIT margin
19.3%
Net result
€1k▼ 99.1%
2024 · €142k
Working capital
€16k▼ 59.8%
2024 · €39k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€814k
Operating result€-85k€81k€124k▲ 52.2%€157k▲ 26.6%€17k▼ 89.2%
Net result€-89k€69k€91k▲ 30.3%€142k▲ 57.1%€1k▼ 99.1%
EBIT margin19.3%
Equity€-81k€-11k▲ 86.2%€79k€222k▲ 179%€223k▲ 0.6%
Total assets€395k▲ 261%€327k▼ 17.2%€290k▼ 11.2%€371k▲ 27.7%€405k▲ 9.4%
Debt€475k▲ 379%€338k▼ 28.9%€211k▼ 37.6%€149k▼ 29.4%€183k▲ 22.6%
Working capital€-307k▼ 422%€-222k▲ 27.6%€-105k▲ 53.0%€39k€16k▼ 59.8%
Staff (FTE)4▼ 23.1%2.6▼ 35.0%6.2▲ 138%10.2▲ 64.5%8.7▼ 14.7%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 89% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €405k
Fixed assets
€246k ▲ 4.8%
Current assets
€159k ▲ 17.5%
Equity and liabilities €405k
Equity
€223k ▲ 0.6%
Debt
€183k ▲ 22.6%
Debt's share of the balance-sheet total rises from 40.2% to 45.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€59k▼
2024 · €196k
Cash flow
€43k▼
2024 · €181k
Current ratio
1.11▼
2024 · 1.40
Quick ratio
1.04▼
2024 · 1.29
Debt to equity
0.82▲
2024 · 0.67
ROE
0.6%▼
2024 · 64.2%
ROA
0.3%▼
2024 · 38.4%
Interest coverage
3.75▼
2024 · 12.86
Debt ≤ 1 year
€143k▲
2024 · €97k
Debt > 1 year
€39k▼
2024 · €52k
Income taxes
€1
Staff costs
€183k▲
2024 · €160k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | - | - | - | €814k | - | - |
| Goods, raw materials, services and sundry goods60/61 | - | - | - | €482k | - | - |
| Remuneration, social security and pensions62 | €47k | €82k | €122k | €160k | €183k | ▲ 14.6% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €42k | €46k | €37k | €39k | €42k | ▲ 8.7% |
| Other operating charges640/8 | €40k | €351 | €17k | €5k | €7k | ▲ 50.7% |
| Non-recurring operating charges66A | - | - | - | - | €222 | - |
| Gross operating margin9900 | €44k | €210k | €300k | €360k | €250k | ▼ 30.7% |
| Operating profit (loss)9901 | €-85k | €81k | €124k | €157k | €17k | ▼ 89.2% |
| Financial income75/76B | €3k | €81 | €137 | €594 | €53 | ▼ 91.1% |
| Recurring financial income75 | €3k | €81 | €137 | €594 | €53 | ▼ 91.1% |
| Financial charges65/66B | €7k | €12k | €34k | €15k | €16k | ▲ 3.5% |
| Recurring financial charges65 | €7k | €12k | €34k | €15k | €16k | ▲ 3.5% |
| Profit (loss) for the period before taxes9903 | €-89k | €69k | €91k | €142k | €1k | ▼ 99.1% |
| Income taxes67/77 | €223 | - | - | - | €1 | - |
| Profit (loss) for the period9904 | €-89k | €69k | €91k | €142k | €1k | ▼ 99.1% |
| Profit (loss) for the period to be appropriated9905 | €-89k | €69k | €91k | €142k | €1k | ▼ 99.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €395k | €327k | €290k | €371k | €405k | ▲ 9.4% |
| Fixed assets21/28 | €318k | €290k | €251k | €235k | €246k | ▲ 4.8% |
| Tangible fixed assets22/27 | €318k | €290k | €250k | €235k | €246k | ▲ 4.8% |
| Plant, machinery and equipment23 | €33k | €18k | €5k | €3k | €35k | ▲ 1,189% |
| Furniture and vehicles24 | €4k | €8k | €12k | €9k | €6k | ▼ 33.9% |
| Leasing and similar rights25 | - | - | - | €16k | €13k | ▼ 22.6% |
| Other tangible fixed assets26 | €281k | €264k | €233k | €207k | €193k | ▼ 7.0% |
| Financial fixed assets28 | €100 | €100 | €100 | €100 | €100 | = |
| Current assets29/58 | €77k | €37k | €40k | €135k | €159k | ▲ 17.5% |
| Stocks and contracts in progress3 | €5k | €6k | €10k | €10k | €10k | = |
| Stocks30/36 | €5k | €6k | €10k | €10k | €10k | = |
| Amounts receivable within one year40/41 | €60k | €15k | €15k | €110k | €140k | ▲ 26.8% |
| Trade receivables40 | €21k | €12k | €15k | €2k | €372 | ▼ 82.7% |
| Other amounts receivable41 | €40k | €2k | - | €108k | €139k | ▲ 29.0% |
| Current investments50/53 | €526 | €526 | €526 | €526 | €526 | = |
| Cash at bank and in hand54/58 | €9k | €13k | €11k | €14k | €7k | ▼ 45.4% |
| Deferred charges and accrued income490/1 | €2k | €2k | €3k | €754 | €1k | ▲ 54.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €395k | €327k | €290k | €371k | €405k | ▲ 9.4% |
| Equity10/15 | €-81k | €-11k | €79k | €222k | €223k | ▲ 0.6% |
| Contributions10/11 | €2.01M | €2.01M | €2.01M | €2.01M | €2.01M | = |
| Capital10 | €1.91M | €1.91M | €1.91M | €1.91M | €1.91M | = |
| Issued capital100 | €1.91M | €1.91M | €1.91M | €1.91M | €1.91M | = |
| Outside capital11 | €100k | €100k | €100k | €100k | €100k | = |
| Share premium1100/10 | €100k | €100k | €100k | €100k | €100k | = |
| Profit (loss) carried forward14 | €-2.09M | €-2.02M | €-1.93M | €-1.79M | €-1.79M | ▲ 0.1% |
| Amounts payable17/49 | €475k | €338k | €211k | €149k | €183k | ▲ 22.6% |
| Amounts payable after more than one year17 | €91k | €78k | €65k | €52k | €39k | ▼ 25.2% |
| Financial debts170/4 | €91k | €78k | €65k | €52k | €39k | ▼ 25.2% |
| Amounts payable within one year42/48 | €384k | €259k | €144k | €97k | €143k | ▲ 48.4% |
| Current portion of amounts payable after more than one year42 | €9k | €13k | €13k | €13k | €13k | = |
| Financial debts43 | €7 | - | - | - | - | - |
| Credit institutions430/8 | €7 | - | - | - | - | - |
| Trade debts44 | €66k | €20k | €69k | €32k | €54k | ▲ 67.2% |
| Suppliers440/4 | €66k | €20k | €69k | €32k | €54k | ▲ 67.2% |
| Taxes, remuneration and social security45 | €6k | €14k | €28k | €28k | €53k | ▲ 88.8% |
| Taxes450/3 | - | €549 | €10k | €11k | €10k | ▼ 12.8% |
| Remuneration and social security454/9 | €6k | €14k | €18k | €17k | €43k | ▲ 157% |
| Other amounts payable47/48 | €304k | €212k | €35k | €23k | €23k | = |
| Accrued charges and deferred income492/3 | €164 | €600 | €1k | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-89k | €69k | €91k | €142k | €1k | ▼ 99.1% |
| + Depreciation and write-downs630 | €42k | €46k | €37k | €39k | €42k | ▲ 8.7% |
| Operating cash flow (approximation) | €-47k | €115k | €128k | €181k | €43k | ▼ 76.0% |
| Investment in fixed assets (approximation) | - | €-18k | €2k | €-23k | €-53k | ▼ 127% |
| Change in cash | - | €4k | €-2k | €2k | €-6k | ▼ 386% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
More with these figures Sector benchmark What changed Value indication
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
22-09
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 53 days late
2025
27-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 119 days late
2024
31-12
Financial
Liquidity times 5current ratio 1.40
Current ratio from 0.27 to 1.40; short-term debt falls from €144k to €97k.
31-12
Financial
Equity above €200kEq €222k ▲179%
3 profitable years in a row build equity to €222k.
05-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
09-10
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 70 days late
2022
31-12
Financial
Back to profitnet €69k
Net result €69k after one loss-making year.
17-10
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 78 days late
2021
27-10
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 88 days late
2020
31-12
Financial
Back to profitnet €217k
Net result €217k after 2 loss-making years.
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 122 days late
2019
09-10
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 70 days late
2018
23-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 23 days late
2017
19-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 28 acts read
About the unread acts
We know of 28 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
28 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, Elsene · 1 establishment unit since 2010
Ground area
483 m²
Building footprint
304 m²
Volume, LiDAR
7,912 m³
Parcel 21807G0121/00W006, Brussels · tallest building 30.9 m, ±9 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
Natural Caffé Centrale Administrative
since 20102.191.938.692
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21807G0121/00W006 | Brussels | 483 m² | 1 · 304 m² | 30.9 m · 9 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteElsene2.191.938.692
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Of 21,861 companies in sector 56112 we hold annual accounts for 9,773. 6,430 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded15-09-2003
Fiscal year end31-12
Activities, NACEBEL 2025
56112Limited-service restaurants, excluding mobile food services
10830Manufacture of food products
47110Non-specialised retail sale with food, beverages or tobacco predominating
Scores and ratios are computed by Checked and are not a credit decision.