Natuur Rif
ActiveSummary
Natuur Rif has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €147k and a net result of €12k. Equity is growing by ~25% per year across the filed fiscal years. Its solvency ranks better than 88% of 10359 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
83
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability77▼-4
Solvency100▲+24
Growth78=
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity ample (current ratio 4.42 against 2.0 in 2024; short-term debt: 20.4% and cash: 69.8% of total assets), and 20.5% of the assets are financed with debt.
Credit check 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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
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
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
79.5%
Return on assets
6.3%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 07-07-2026, 24 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
24 d early
2024
31 d early
2023
29 d early
2022
34 d early
2021
13 d early
2020
4 d early
2019
10 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€149k
EBIT margin
1.9%
Net result
€12k▼ 16.6%
2024 · €14k
2018: €5k
2019: €-3k
2020: €11k
2021: €742
2022: €16k
2023: €8k
2024: €14k
2018 → 2025
Working capital
€129k▲ 87.9%
2024 · €69k
2018: €19k
2019: €6k
2020: €22k
2021: €31k
2022: €48k
2023: €57k
2024: €69k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€149k-
Equity€34k-€50k▲ 45.8%€58k▲ 16.1%€72k▲ 24.2%€147k▲ 105%
Operating result€3k-€22k▲ 696%€13k▼ 44.1%€21k▲ 64.5%€48k▲ 133%
Net result€742-€16k▲ 2,014%€8k▼ 48.7%€14k▲ 74.5%€12k▼ 16.6%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 133% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €185k
Fixed assets
€18k ▲ 472%
Current assets
€167k ▲ 21.2%
Equity and liabilities €185k
Equity
€147k ▲ 105%
Debt
€38k ▼ 44.8%
Debt's share of the balance-sheet total falls from 48.9% to 20.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€51k▲
2024 · €21k
Cash flow
€15k▲
2024 · €15k
Current ratio
4.42▲
2024 · 2.00
Quick ratio
4.38▲
2024 · 1.97
Debt to equity
0.26▼
2024 · 0.96
ROE
7.9%▼
2024 · 19.5%
ROA
6.3%▼
2024 · 10.0%
Interest coverage
14.75▲
2024 · 7.85
Debt ≤ 1 year
€38k▼
2024 · €69k
Income taxes
€33k▲
2024 · €4k
Staff costs
€13k▲
2024 · €1k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 47 lines
Balance sheet
Code20242025
Assets
Total assets20/58€141k€185k▲
Fixed assets21/28€3k€18k▲
Tangible fixed assets22/27€3k€18k▲
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24-€16k
Financial fixed assets28€657€657=
Current assets29/58€138k€167k▲
Stocks and contracts in progress3€2k€2k▲
Stocks30/36€2k€2k▲
Amounts receivable within one year40/41€341€36k▲
Trade receivables40-€2k
Other amounts receivable41€341€34k▲
Cash at bank and in hand54/58€136k€129k▼
Deferred charges and accrued income490/1€143-
Equity and liabilities
Total equity and liabilities10/49€141k€185k▲
Equity10/15€72k€147k▲
Contributions10/11€19k€19k=
Outside capital11€19k€19k=
Other1109/19€19k€19k=
Reserves13€2k€65k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133-€64k
Profit (loss) carried forward14€52k€63k▲
Amounts payable17/49€69k€38k▼
Amounts payable within one year42/48€69k€38k▼
Trade debts44€41k€4k▼
Suppliers440/4€41k€4k▼
Taxes, remuneration and social security45€28k€34k▲
Taxes450/3€4k€33k▲
Remuneration and social security454/9€24k€1k▼
Accrued charges and deferred income492/3-€324
Income statement
Code20242025
Remuneration, social security and pensions62€1k€13k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€482€3k▲
Other operating charges640/8€2k€4k▲
Gross operating margin9900€24k€68k▲
Operating profit (loss)9901€21k€48k▲
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€3k€3k▲
Recurring financial charges65€3k€3k▲
Profit (loss) for the period before taxes9903€18k€45k▲
Income taxes67/77€4k€33k▲
Profit (loss) for the period9904€14k€12k▼
Profit (loss) for the period to be appropriated9905€14k€12k▼
Appropriation of the result
Profit (loss) to be appropriated9906€52k€63k▲
Profit (loss) brought forward from the previous period14P€38k€52k▲
The notes to these accounts (5 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
07-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Liquidity doublescurrent ratio 4.42
Current ratio from 2.00 to 4.42; short-term debt falls from €69k to €38k.
31-12
Financial
Equity above €100kEq €147k ▲105%
6 profitable years in a row build equity to €147k.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
27-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €16k ▲2014%
Net result €16k, the highest in the series.
18-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
27-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €11k
Net result €11k after one loss-making year.
10-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 10 days late
2019
31-12
Financial
Weakest financial yearnet €-3k ▼156%
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
Show earlier events
11-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
02-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
21-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Sint-Jans-Molenbeek · 1 establishment unit since 2008
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.
Vrijheidslaan 1751080 Sint-Jans-MolenbeekGround area
658 m²
Building footprint
296 m²
Volume, LiDAR
1,906 m³
2 parcels, Brussels, Flanders · tallest building 10.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
NATUUR - RIF
since 20082.174.281.427
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11038A0312/02E003 | Flanders | 349 m² | 1 · 53 m² | 10.4 m · 3 fl. |
| 21526D0069/02A005 | Brussels | 310 m² | 1 · 243 m² | 10.9 m · 2 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.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 237 EUR awarded · 237 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 237 EUR | 237 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 10,519 companies in sector 47110 we hold annual accounts for 5,857. 4,478 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-10-2008
Fiscal year end31-12
Activities, NACEBEL 2025
47110Non-specialised retail sale with food, beverages or tobacco predominating
47789Other retail sale of new goods
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:0472/86 21 72