Checked.be
Active
BE 0462.533.711Private limited company (pre-2019)
NATUURLIJK
Wijnegemsteenweg 17 ·2970 Schilde, Belgium· 28 yrs active
Sector: Wholesale trade
(46220)
Conclusion
NATUURLIJK has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €164k and a net result of €-5k. Equity remains stable across the filed fiscal years (±0.4% per year). Its solvency ranks better than 51% of 10877 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Based on the State Gazette, CBE and 5 annual accounts.
Key figures
| Equity | €164k |
| Net result | €-5k |
| Better than sector | 51% |
| Active | 28 yrs |
Financial profile
55
/ 100
Mixed profile: strong on stability, weaker on profitability.
All 5 axes are computed from data Checked has read.
Health
48
Profitability
0
Solvency
74
Growth
52
Stability
100
Bankruptcy probability (12 mo)
Risk Assessment
0 / 100
Low riskTrust signals
Long-established
Founded in 1998, 28 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Checked score
48
/ 100
Fair
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Indicative credit limit
€8k
estimate, not credit advice
Score history
79
2021
77
2022
64
2023
81
2024
48
2025
purely financial, excl. current insolvency signals
Score components
Liquidity
Current ratio 1.35 (≥ 1.0)
+5
Leverage
Debt/equity 1.27 (< 2.0)
+3
Profitability
Negatieve ROE -3%
-10
Interest coverage
Interest coverage 1.7×
+3
Profit trend
Net profit down YoY
-3
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview
Annual accounts filed on 28-08-2026 with the NBB · fiscal year 2025 · micro schema
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
stable
Equity: stable across 5 fiscal years (±0.4%/year).
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
Sector comparison
Fiscal year 2025 · NACE 46, Wholesale trade · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 44.0% | 42.6% | |
| Net result | €-5k | €6k | |
| Equity | €164k | €60k | |
| Gross operating margin | €71k | €29k | |
| Staff costs | €49k | €37k |
€19k
-66.5%
21-25
€-5k
-
21-25
€7k
-81.6%
21-25
€372k
+0.4%
21-25
€164k
-6.1%
21-25
€73k
-2.9%
21-25
2
-
21-25
€49k
-24.7%
21-25
€1k
-89.7%
21-25
€0
-100.0%
21-25
€208k
+6.1%
21-25
€208k
+6.1%
21-25
€0
-100.0%
21-25
1.35
-2.3%
21-25
0.72
-12.4%
21-25
44.0%
-6.4%
21-25
1.27
+12.9%
21-25
-3.0%
-
21-25
-1.3%
-
21-25
1.67
-70.1%
21-25
Figures by fiscal year and ratios
| Fiscal year | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Deposit | micro schema | micro schema | micro schema | micro schema | micro schema |
| Revenue | - | - | - | - | - |
| EBITDA | €19k | €58k | €20k | €34k | €37k |
| Net profit | €-5k | €24k | €1k | €13k | €4k |
| Cash flow | €7k | €36k | €4k | €20k | €29k |
| Staff costs | €49k | €66k | €71k | €65k | €54k |
| Income taxes | €1k | €11k | €4k | €7k | €3k |
| Dividends | €0 | €24k | - | - | - |
| Total assets | €372k | €371k | €359k | €408k | €324k |
| Equity | €164k | €174k | €174k | €173k | €161k |
| Debt | €208k | €196k | €184k | €234k | €163k |
| of which ≤ 1y | €208k | €196k | €184k | €232k | €135k |
| of which > 1y | - | - | €0 | €2k | €28k |
| Working capital | €73k | €75k | €64k | €70k | €82k |
| Employees (FTE) | - | - | - | - | 1.9 |
Ratios (computed)
| 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|
| Current ratio | 1.35 | 1.38 | 1.35 | 1.30 | 1.60 |
| Quick ratio | 0.72 | 0.82 | 0.78 | 0.88 | 1.24 |
| Working capital ratio | 19.6% | 20.2% | 17.7% | 17.1% | 25.2% |
| Solvency | 44.0% | 47.0% | 48.6% | 42.5% | 49.6% |
| Debt / equity | 1.27 | 1.13 | 1.06 | 1.35 | 1.02 |
| Long-term debt ratio | - | - | 0.00 | 0.01 | 0.17 |
| Interest coverage | 1.67 | 5.57 | 1.69 | 5.32 | 6.79 |
| Gross margin | - | - | - | - | - |
| Net margin | - | - | - | - | - |
| ROA | -1.3% | 6.6% | 0.3% | 3.1% | 1.2% |
| ROE | -3.0% | 13.9% | 0.6% | 7.3% | 2.4% |
| EBITDA margin | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - |
| Days inventory (DSI) | - | - | - | - | - |
Balance-sheet composition 2025
Full annual accounts (25 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Balance sheet, Assets | ||||||
| TOTAL ASSETS | 20/58 | €372k | €371k | €359k | €408k | €324k |
| Fixed assets | 21/28 | €91k | €99k | €111k | €106k | €107k |
| Tangible fixed assets | 22/27 | €91k | €99k | €110k | €105k | €107k |
| Financial fixed assets | 28 | €366 | €366 | €366 | €366 | €366 |
| Current assets | 29/58 | €281k | €271k | €248k | €302k | €217k |
| Stocks & contracts in progress | 3 | €132k | €111k | €104k | €99k | €50k |
| Amounts receivable within one year | 40/41 | €117k | €112k | €119k | €178k | €163k |
| Cash & bank | 54/58 | €32k | €48k | €25k | €26k | €5k |
| Balance sheet, Equity & liabilities | ||||||
| TOTAL EQUITY & LIABILITIES | 10/49 | €372k | €371k | €359k | €408k | €324k |
| Equity | 10/15 | €164k | €174k | €174k | €173k | €161k |
| Contributions / capital | 10/11 | €19k | €19k | €19k | €19k | €19k |
| Reserves | 13 | €145k | €156k | €156k | €155k | €142k |
| Accumulated profits (losses) | 14 | €0 | €0 | - | - | - |
| Amounts payable | 17/49 | €208k | €196k | €184k | €234k | €163k |
| Amounts payable after one year | 17 | - | - | €0 | €2k | €28k |
| Amounts payable within one year | 42/48 | €208k | €196k | €184k | €232k | €135k |
| Trade debts payable within one year | 44 | €35k | €30k | €48k | €77k | €54k |
| Income statement | ||||||
| Gross operating margin | 9900 | €71k | €126k | €93k | €102k | €93k |
| Operating result | 9901 | €8k | €46k | €16k | €26k | €12k |
| Financial income | 75 | €22 | €14 | €50 | €7 | €0 |
| Financial charges | 65 | €12k | €10k | €12k | €6k | €5k |
| Result before taxes | 9903 | €-4k | €36k | €5k | €20k | €7k |
| Income taxes | 67/77 | €1k | €11k | €4k | €7k | €3k |
| Net result for the period | 9904 | €-5k | €24k | €1k | €13k | €4k |
| Result to be appropriated | 9905 | €-5k | €24k | €1k | €13k | €4k |
Legal Structure
| NACE primary | Wholesale trade(46220) |
| Legal form | Private limited company (pre-2019)(015) |
| Incorporation | 28-01-1998 |
| Status | Active |
| Postal code | 2970 |
Establishment units
NATUURLIJK
since 19982.086.003.113
Real-estate footprint
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11041C0005/00H000 | Flanders | 159 m² | 1 · 102 m² | 10.6 m · 2 fl. |
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.
Updates
Next filing, fiscal year 2026, expected by
2026
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-12
Financial
Weakest financial yearnet €-5k ▼120%
Net result drops to €-5k, the lowest in the series.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2021net €24k ▲2277%
Operating result €46k, net result €24k, both a record.
02-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 124 days late
2023
09-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 70 days late
2022
31-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 92 days late
31-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 184 days late
2020
10-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 41 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 29 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 30 days late
2017
24-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 24 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Belgian State Gazette reading coverage
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
Credit advice
Company registry (CBE)
Activities
Wholesale trade46220Retail sale of flowers, plants, seeds and fertilisers4776152483Wholesale of beverages, general range46349Other non-specialised retail sale47120Retail sale of beverages, general range47252Retail trade47910
Names & trade names
| Legal nameNL | NATUURLIJK |
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