Naturo
ActiveThe computed 12-month bankruptcy probability of Naturo is 2.4% (moderate). The 2024 annual accounts show equity of €443k and a net result of €246k. Equity is growing by ~116.5% per year across the filed fiscal years. The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
71
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency82▼-18
Growth78=
Track record100
Bankruptcy probability, 12 months
2.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 3.84 against 15.17 in 2023; short-term debt: 16.2% and cash: 11.1% of total assets), and 42.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
57.3%
Return on assets
31.8%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 07-07-2025, 24 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
not confirmed
2024
24 d early
2023
33 d early
2022
25 d late
2021
24 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€443k▲ 79.2%
2023 · €247k
2021: €44k
2022: €114k
2023: €247k
2021 → 2024
Total assets
€773k▲ 192%
2023 · €265k
2021: €59k
2022: €150k
2023: €265k
2021 → 2024
Net result
€246k▲ 84.7%
2023 · €133k
2021: €39k
2022: €71k
2023: €133k
2021 → 2024
Working capital
€355k▲ 45.1%
2023 · €245k
2021: €44k
2022: €112k
2023: €245k
2021 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220232024Trend
Equity€44k-€114k▲ 162%€247k▲ 117%€443k▲ 79.2%
Operating result€49k-€89k▲ 80.6%€172k▲ 93.9%€320k▲ 85.8%
Net result€39k-€71k▲ 82.4%€133k▲ 88.7%€246k▲ 84.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen three years in a row; 2024 is 86% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €773k
Fixed assets
€294k▲ 10,299%
Current assets
€480k▲ 83.2%
Equity and liabilities €773k
Equity
€443k▲ 79.2%
Debt
€330k▲ 1,811%
The debt ratio rises from 6.5% to 42.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€326k▲
2023 · €173k
Cash flow
€252k▲
2023 · €134k
Solvency
57.3%▼
2023 · 93.5%
Current ratio
3.84▼
2023 · 15.17
Quick ratio
3.84▼
2023 · 15.17
Debt / equity
0.74▲
2023 · 0.07
ROE
55.5%▲
2023 · 53.8%
ROA
31.8%▼
2023 · 50.3%
Interest coverage
57.63▼
2023 · 655.08
Debt
€330k▲
2023 · €17k
Debt ≤ 1 year
€125k▲
2023 · €17k
Debt > 1 year
€205k
Income taxes
€69k▲
2023 · €39k
Staff costs
€2k▼
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€265k€773k▲
Fixed assets21/28€3k€294k▲
Tangible fixed assets22/27€3k€293k▲
Land and buildings22-€265k
Plant, machinery and equipment23-€595
Furniture and vehicles24€3k€28k▲
Financial fixed assets28€10€10=
Current assets29/58€262k€480k▲
Amounts receivable within one year40/41€2k€139k▲
Trade receivables40-€6k
Other amounts receivable41€2k€134k▲
Current investments50/53€40k€251k▲
Cash at bank and in hand54/58€191k€85k▼
Deferred charges and accrued income490/1€29k€4k▼
Equity and liabilities
Total equity and liabilities10/49€265k€773k▲
Equity10/15€247k€443k▲
Contributions10/11€5k€5k=
Reserves13€242k€438k▲
Distributable reserves133€242k€438k▲
Amounts payable17/49€17k€330k▲
Amounts payable after more than one year17-€205k
Financial debts170/4-€205k
Amounts payable within one year42/48€17k€125k▲
Current portion of amounts payable after more than one year42-€11k
Trade debts44-€10k
Suppliers440/4-€10k
Taxes, remuneration and social security45€15k€13k▼
Taxes450/3€15k€13k▼
Other amounts payable47/48€3k€90k▲
Income statement
Code20232024
Non-recurring operating income76A-€6k
Remuneration, social security and pensions62€2k€2k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€691€6k▲
Other operating charges640/8€496€816▲
Gross operating margin9900€175k€329k▲
Operating profit (loss)9901€172k€320k▲
Financial income75/76B€176€1k▲
Recurring financial income75€176€1k▲
Financial charges65/66B€264€6k▲
Recurring financial charges65€264€6k▲
Profit (loss) for the period before taxes9903€172k€315k▲
Income taxes67/77€39k€69k▲
Profit (loss) for the period9904€133k€246k▲
Profit (loss) for the period to be appropriated9905€133k€246k▲
Appropriation of the result
Profit (loss) to be appropriated9906€133k€246k▲
Transfer to equity691/2€133k€196k▲
To other reserves6921€133k€196k▲
Profit to be distributed694/7-€50k
Return on contributions (dividend)694-€50k
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
07-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2021net €246k ▲84.7%
Operating result €320k, net result €246k, both a record.
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity quadruplescurrent ratio 15.17
Current ratio from 4.13 to 15.17; short-term debt falls from €36k to €17k.
31-12
Financial
Equity above €200kEq €247k ▲117%
3 profitable years in a row build equity to €247k.
25-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 25 days late
2022
31-12
Financial
Equity above €100kEq €114k ▲162%
2 profitable years in a row build equity to €114k.
07-07
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
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, Pelt · 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.
Wildlaan 413910 PeltGround area
2,548 m²
Building footprint
315 m²
Volume, LiDAR
2,699 m³
Parcel 72025A0186/00D046, Flanders · tallest building 20.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Naturo
since 20202.310.325.907
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72025A0186/00D046 | Flanders | 2,548 m² | 1 · 315 m² | 20.6 m · 3 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.
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-09-2020
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.