Naturo Construct
ActiveSummary
The computed 12-month bankruptcy probability of Naturo Construct is 3.1% (moderate). The 2025 annual accounts show equity of €146,182 and a net result of €91,274. Equity has been shrinking by about 8.8% per year since 2022. Its solvency ranks better than 49% of 5,684 sector peers (NACE 81, financial year 2025). The company has been active since 2021 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Overview
Official details
Source: KBO- Status
- Active since 31-05-2021 Normal situation
- Activity
- Landscape service activities NACE 81300and 2 others
- Joint committee
- 145 Paritair Comité voor het tuinbouwbedrijf · annual accounts 30-06-2025
- Establishment unit
- 2.319.077.879 2000 Antwerpen, since 31-05-2021
- Financial year end
- 30 June
- Peppol
- Reachable since 11-12-2025
Financial position
- Bankruptcy probabilitywithin 12 months
- 3.1%
- Gross margin
- €146,263
- ▲ 280%
- Turnover
- ≈ €490,000
- estimated
- Profit
- €91,274
- Equity
- €146,182
- ▲ 166%
- Total assets
- €367,165
- ▲ 73.3%
- Employees on 30-06-2025
- 2
- ▲ 100%
- 2025 accounts filed 1 day after the deadline
Score breakdownraises riskLiquidity: current ratio 1.71Last filed accounts filed 2 days late; 1 of the last 3 accounts lateFounded in 2021Sector: Services to buildings and landscape activities (NACE 81)Show the evidence
Checked score
About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 81, micro). It does better than 48% of them on solvency, 39% on liquidity, 84% on profitability and 94% on growth.
The bankruptcy probability was computed on 01-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
The company filed its last 4 accounts on average 35 days after the deadline. In the sector (NACE 81), the median for financial year 2024 was 1 day before the deadline, and 43% of those companies filed late.
Searched, nothing found (2)
Financials
Financials · financial year 2025, micro format
2025 annual accounts filed 1 day after the deadline Filed on 1 February 2026, deadline 31 January 2026 (7 months after the close on 30 June 2025, Companies Code art. 3:10). Source: NBB, 2026-00025364.
Annual accounts 2025 filed on 01-02-2026 PDF all 4 filings
2022 to 2025, 4 financial years
The operating result for 2025 is a profit of €108,206, after a loss of €11,214 in 2024.
Turnover is what the company sold, the result is what was left of it. A loss stands below the zero line.
Assets, equity and debt per financial year.
Above zero, the company can pay its short-term debts with what it holds in the short term.
The EBIT margin is the share of each euro of turnover left from operations. The return on assets is what the assets earn.
The higher the solvency, the better the company absorbs a setback.
A ratio above 1 means the short-term assets cover the short-term debts.
Average staff per financial year, in full-time equivalents (FTE).
Use the arrow keys on the chart for the figures per year.
The sector band is the middle half of the companies in Services to buildings and landscape activities (NACE 81). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30. The dashed line is the median. There is a sector band for net result, equity, total assets, working capital, solvency, current ratio and return on assets (ROA).
Staff
| Item | 30-06-2023 | 30-06-2024 | 30-06-2025 |
|---|---|---|---|
| Employees at the balance-sheet date | 1 | 1 | 2 |
| full-time | - | - | 1 |
| part-time | 1 | 1 | 1 |
| in full-time equivalents | 0.5 | 0.5 | 1.5 |
| Average over the year, in full-time equivalents | 0.6 | - | 0.7 |
| On a permanent contract | - | 1 | 2 |
| Joined | - | - | 2 |
| Left | - | - | 1 |
Source: social balance sheet in the 2023 to 2025 annual accounts
Investments
| Item | 30-06-2022 | 30-06-2023 | 30-06-2024 | 30-06-2025 |
|---|---|---|---|---|
| Tangible fixed assets | €32,700 | €45,500 | - | €9,000 |
| Depreciation and write-downs of the year | €5,304 | €26,024 | €17,677 | €10,538 |
Source: notes to the 2022 to 2025 annual accounts (statement of fixed assets)
Comparable companies
These companies have the same main activity as Naturo Construct: landscape service activities (NACE 81300). They are comparable in size and age: total assets between €328,000 and €386,000, founded between 2020 and 2021.
| Company | Founded | Total assets | Equity | Gross margin | Net result | Financial year |
|---|---|---|---|---|---|---|
| Naturo Construct Antwerpen | 2021 | €367,165 | €146,182 | €146,263 | €91,274 | 2025 |
| Joost Van Loon Tuinen en Landschappen Oud-Turnhout | 2021 | €328,308 | €1,806 | €147,982 | €71,331 | 2025 |
| JVS Infra & Groen Merchtem | 2021 | €385,616 | €88,154 | €148,914 | €26,225 | 2025 |
| LOONBEDRIJF PB Pelt | 2020 | €366,697 | €119,895 | €148,449 | €33,500 | 2025 |
| TUINWERKEN VERSTREPEN Hoegaarden | 2021 | €359,934 | €180,793 | €161,928 | €77,841 | 2025 |
| VAN HASSEL HOVENIER Sint-Pieters-Leeuw | 2021 | €385,220 | €35,219 | €141,017 | €14,274 | 2025 |
| JARDI CHRIS Binche | 2020 | €338,083 | €22,041 | €148,748 | €23,401 | 2025 |
They were chosen from the 4,477 other active companies with that main activity and annual accounts from the past two years. All companies with this main activity
Companies with the same profile, two years later
Historical observationIn July 2024, 26,972 companies had the same profile as Naturo Construct has now. Two years later, 1.6% had gone bankrupt and 94.9% were still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of Naturo Construct itself is higher: 3.1% within 12 months. It rests on far more data about Naturo Construct than the profile alone.
Test of the method
The method was tested on the 497,445 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 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% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 26,972 companies, not a prediction for Naturo Construct. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €15,600 | €14,354 | €15,083 | €24,170 | ▲ 60.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €5,304 | €26,024 | €17,677 | €10,538 | ▼ 40.4% |
| Other operating charges640/8 | €999 | €1,055 | €2,348 | €3,349 | ▲ 42.6% |
| Non-recurring operating charges66A | - | - | €14,621 | - | - |
| Gross operating margin9900 | €151,459 | €14,200 | €38,516 | €146,263 | ▲ 280% |
| Operating profit (loss)9901 | €129,556 | -€27,234 | -€11,214 | €108,206 | - |
| Financial income75/76B | €155 | €99 | €2 | €8 | ▲ 314% |
| Recurring financial income75 | €155 | €99 | €2 | €8 | ▲ 314% |
| Financial charges65/66B | €11 | €4,278 | €7,513 | €4,469 | ▼ 40.5% |
| Recurring financial charges65 | €11 | €4,278 | €7,513 | €4,469 | ▼ 40.5% |
| Profit (loss) for the period before taxes9903 | €129,700 | -€31,413 | -€18,724 | €103,744 | - |
| Income taxes67/77 | €27,654 | - | - | €12,470 | - |
| Profit (loss) for the period9904 | €102,046 | -€31,413 | -€18,724 | €91,274 | - |
| Profit (loss) for the period to be appropriated9905 | €102,046 | -€31,413 | -€18,724 | €91,274 | - |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €222,317 | €183,627 | €211,851 | €367,165 | ▲ 73.3% |
| Fixed assets21/28 | €27,396 | €46,871 | €29,195 | €27,656 | ▼ 5.3% |
| Tangible fixed assets22/27 | €27,396 | €46,871 | €29,195 | €27,656 | ▼ 5.3% |
| Plant, machinery and equipment23 | €12,561 | €5,386 | - | - | - |
| Furniture and vehicles24 | €14,835 | €41,485 | €29,195 | €27,656 | ▼ 5.3% |
| Current assets29/58 | €194,922 | €136,755 | €182,656 | €339,509 | ▲ 85.9% |
| Amounts receivable within one year40/41 | €187,982 | €136,755 | €182,656 | €339,509 | ▲ 85.9% |
| Trade receivables40 | €140,161 | €129,553 | €180,143 | €320,729 | ▲ 78.0% |
| Other amounts receivable41 | €47,821 | €7,202 | €2,513 | €18,780 | ▲ 647% |
| Cash at bank and in hand54/58 | €6,939 | - | - | - | - |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €222,317 | €183,627 | €211,851 | €367,165 | ▲ 73.3% |
| Equity10/15 | €105,046 | €73,632 | €54,908 | €146,182 | ▲ 166% |
| Contributions10/11 | €3,000 | €3,000 | €3,000 | €3,000 | = |
| Capital10 | €3,000 | €3,000 | - | - | - |
| Issued capital100 | €3,000 | €3,000 | - | - | - |
| Contributions outside capital11 | - | - | €3,000 | €3,000 | = |
| Other1109/19 | - | - | €3,000 | €3,000 | = |
| Profit (loss) carried forward14 | €102,046 | €70,632 | €51,908 | €143,182 | ▲ 176% |
| Amounts payable17/49 | €117,272 | €109,995 | €156,943 | €220,983 | ▲ 40.8% |
| Amounts payable after more than one year17 | - | €39,957 | €31,266 | €22,136 | ▼ 29.2% |
| Financial debts170/4 | - | €39,957 | €31,266 | €22,136 | ▼ 29.2% |
| Amounts payable within one year42/48 | €117,272 | €70,038 | €125,677 | €198,848 | ▲ 58.2% |
| Financial debts43 | - | €15,534 | €19,985 | €9,692 | ▼ 51.5% |
| Credit institutions430/8 | - | €15,534 | €19,985 | €9,692 | ▼ 51.5% |
| Trade debts44 | €56,080 | €5,942 | €61,168 | €69,069 | ▲ 12.9% |
| Suppliers440/4 | €56,080 | €5,942 | €61,168 | €69,069 | ▲ 12.9% |
| Advances received on contracts in progress46 | - | - | - | €93,650 | - |
| Taxes, remuneration and social security45 | €32,406 | €36,501 | €4,202 | €16,600 | ▲ 295% |
| Taxes450/3 | €28,645 | €27,654 | - | €12,470 | - |
| Remuneration and social security454/9 | €3,761 | €8,847 | €4,202 | €4,130 | ▼ 1.7% |
| Other amounts payable47/48 | €28,785 | €12,061 | €40,322 | €9,836 | ▼ 75.6% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €102,046 | -€31,413 | -€18,724 | €91,274 | - |
| + Depreciation and write-downs630 | €5,304 | €26,024 | €17,677 | €10,538 | ▼ 40.4% |
| Operating cash flow (approximation) | €107,350 | -€5,389 | -€1,048 | €101,812 | - |
| Investment in fixed assets (approximation) | - | -€45,500 | €0 | -€9,000 | - |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Board & ownership
Directors
Owners and capital
Owners
Network & group
Naturo Construct shares no director with another company.
Connections & network
1 current directorThe network starts from the directors of Naturo Construct. Every other company they run is a node.
Timeline
Acts, filings and financial milestones
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordRegistered office and establishments
Activities
NACEBEL 2025Codes under NACEBEL 2008
Invoicing and payment
Financial year and general meeting
Accounts at the NBBSites & property
Buildings and parcels at the address
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 11802B0911/00_000 | Flanders | 76 m² | 1 · 42 m² | 13.3 m · 4 |