NATURALYA
ActiveNATURALYA has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €18k and a net result of €-4k. Equity is growing by ~58.6% per year across the filed fiscal years. Its solvency ranks better than 24% of 15868 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2024
42
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability30▼-23
Solvency30▼-1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Liquidity short (current ratio 0.6 against 0.69 in 2023; short-term debt: 38.3% and cash: 0.9% of total assets), and 94.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 2024Solvency, return and age of the figures
Solvency
5.1%
Return on assets
-1%
Age of the figures
21 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 →
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
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 15868 sector peers (2024).
NBB · sector comparisonPosition among 15868 sector peers
Solvency
better than 24%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 05-08-2025, 5 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
not confirmed
2024
5 d late
2023
6 d late
2022
19 d early
2021
5 d early
2020
26 d late
2019
52 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€18k▼ 16.8%
2023 · €22k
2018: €-11k
2019: €-8k
2020: €-6k
2021: €9k
2022: €17k
2023: €22k
2018 → 2024
Total assets
€360k▼ 5.0%
2023 · €379k
2018: €134k
2019: €124k
2020: €126k
2021: €122k
2022: €103k
2023: €379k
2018 → 2024
Net result
€-4k
2023 · €5k
2018: €-4k
2019: €3k
2020: €1k
2021: €16k
2022: €8k
2023: €5k
2018 → 2024
Working capital
€-56k▼ 33.1%
2023 · €-42k
2018: €27k
2019: €27k
2020: €38k
2021: €54k
2022: €57k
2023: €-42k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€-6k-€9k€17k▲ 83.7%€22k▲ 28.6%€18k▼ 16.8%
Operating result€5k-€18k▲ 256%€9k▼ 48.6%€12k▲ 25.6%€6k▼ 45.7%
Net result€1k-€16k▲ 1,138%€8k▼ 49.9%€5k▼ 37.2%€-4k
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 2024; 2024 is 46% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €360k
Fixed assets
€278k▼ 3.0%
Current assets
€82k▼ 11.1%
Equity and liabilities €360k
Equity
€18k▼ 16.8%
Debt
€342k▼ 4.3%
The debt ratio rises from 94.2% to 94.9%. Equity and debt are lower.
Key figures and ratios
EBITDA
€15k▼
2023 · €20k
Cash flow
€5k▼
2023 · €13k
Solvency
5.1%▼
2023 · 5.8%
Current ratio
0.60▼
2023 · 0.69
Quick ratio
0.08▼
2023 · 0.16
Debt / equity
18.71▲
2023 · 16.27
ROE
-20.2%▼
2023 · 22.3%
ROA
-1.0%▼
2023 · 1.3%
Interest coverage
1.52▼
2023 · 3.87
Debt
€342k▼
2023 · €357k
Debt ≤ 1 year
€138k▲
2023 · €134k
Debt > 1 year
€179k▼
2023 · €190k
Income taxes
€239▼
2023 · €2k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€379k€360k▼
Fixed assets21/28€287k€278k▼
Tangible fixed assets22/27€287k€278k▼
Land and buildings22€287k€278k▼
Current assets29/58€93k€82k▼
Stocks and contracts in progress3€71k€71k▲
Stocks30/36€71k€71k▲
Amounts receivable within one year40/41€6k€7k▲
Trade receivables40€6k€7k▲
Cash at bank and in hand54/58€15k€3k▼
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€379k€360k▼
Equity10/15€22k€18k▼
Contributions10/11€19k€19k=
Profit (loss) carried forward14€3k€-322▼
Amounts payable17/49€357k€342k▼
Amounts payable after more than one year17€190k€179k▼
Financial debts170/4€190k€179k▼
Amounts payable within one year42/48€134k€138k▲
Current portion of amounts payable after more than one year42€11k€13k▲
Financial debts43-€716
Credit institutions430/8-€716
Trade debts44€11k€6k▼
Suppliers440/4€11k€6k▼
Advances received on contracts in progress46€1k€3k▲
Taxes, remuneration and social security45€9k€7k▼
Taxes450/3€9k€7k▼
Other amounts payable47/48€102k€108k▲
Accrued charges and deferred income492/3€33k€25k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€9k▲
Other operating charges640/8€2k€3k▲
Gross operating margin9900€21k€18k▼
Operating profit (loss)9901€12k€6k▼
Financial income75/76B€75€117▲
Recurring financial income75€75€117▲
Financial charges65/66B€5k€10k▲
Recurring financial charges65€5k€10k▲
Profit (loss) for the period before taxes9903€7k€-3k▼
Income taxes67/77€2k€239▼
Profit (loss) for the period9904€5k€-4k▼
Profit (loss) for the period to be appropriated9905€5k€-4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€3k€-322▼
Profit (loss) brought forward from the previous period14P€-2k€3k▲
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
2025
05-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 5 days late
2024
06-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 6 days late
2023
12-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
26-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €16k ▲1138%
Operating result €18k, net result €16k, both a record.
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
2020
09-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
22-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 22 days late
2018
11-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 29 days late
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Dison · 1 establishment unit since 2011
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.
Rue des Gris-Chevris 444821 DisonGround area
3,079 m²
Building footprint
473 m²
Volume, LiDAR
2,726 m³
2 parcels, Wallonia · tallest building 10.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Rue Maurice Duesberg 72, 4821 Dison
since 20112.205.873.634
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63002B0282/00L005 | Wallonia | 2,813 m² | 1 · 430 m² | 7.2 m · 2 fl. |
| 63002A0506/00D002 | Wallonia | 266 m² | 1 · 43 m² | 10.6 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
LEMCA
BE 0435.259.982
Antwerpen · Eq €18k
ELIN Cosmetics
BE 0772.903.621
Antwerpen · Eq €19k
New Life Factory
BE 0634.940.323
Rixensart · Eq €19k
JMS & Co
BE 0656.520.744
Leuven · Eq €18k
SOUNDSATIONAL
BE 0447.031.230
Gent · Eq €19k
Of 1,170 companies in sector 46499 we hold annual accounts for 743. 275 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-11-2011
Fiscal year end31-12
Activities, NACEBEL
46499Wholesale of other household goods
46471Wholesale trade
46480Wholesale trade
47551Retail sale of household furniture
47559Retail sale of other household articles
47591Retail trade
47599Retail trade
47770Retail sale of watches and jewellery
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.