Naturo Construct · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of Naturo Construct is 2.0% (moderate). The 2025 annual accounts show equity of €146k and a net result of €91k. Equity is shrinking by ~8.8% per year across the filed fiscal years. Its solvency ranks better than 53% of 436 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 4 annual accounts.

Signals

1 signal · with evidence

Growing equity

Equity grew over 2023-2025. Profits are largely retained rather than distributed.

View the equity trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide

Filed after the deadline

The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 01-02-2026, 1 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.

The next deadline is still running

The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.

How we compute the deadline

The year end is derived from 4 filed financial years, each closing on 30-06. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 30-06-2025, that is 31-01-2026.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
30-06-2025	31-01-2026	01-02-2026	1 d late	2026-00025364
30-06-2024	31-01-2025	31-01-2025	on the day	2025-00023708
30-06-2023	31-01-2024	29-05-2024	119 d late	2024-00100660
30-06-2022	31-01-2023	21-02-2023	21 d late	2023-00032100

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

More than 3 years active

Founded in 2021, past the statistically most fragile first 3 years.

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.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

2.0% Moderate

0%0,5%1,5%4%10%≥25%

Young company +Higher-failure-rate sector +Annual accounts: healthy financial profile −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)

EBIT marginNot published (abbreviated filing)

Net result€91k

Working capital€141k+146.9%

CSV export

Annual accounts & ratios

Source: NBB · 2025

Annual accounts filed on 01-02-2026 with the NBB · fiscal year 2025 · micro

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

declining Equity: declining trend of ~8.8%/year over 4 fiscal years, indicative, assuming unchanged policy.

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 81, Cleaning & landscape services · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	39.8%	38.6%	better than 53% of 436 sector peers
Net result	€91k	€13k	better than 95% of 433 sector peers
Equity	€146k	€38k	better than 89% of 436 sector peers
Gross operating margin	€146k	€50k	better than 81% of 432 sector peers
Staff costs	€24k	€38k	higher than 35% of 198 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Sector position over time

Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).

Solvency P53

Weakening position over 2022-2025 · n=436-1972

Net result P95

Stable position over 2022-2025 · n=433-1964

Equity P89

Weakening position over 2022-2025 · n=436-1973

Gross operating margin P81

Improving position over 2022-2025 · n=432-1962

Describes the position versus peers, not a forecast.

EBITDA

€119k

+1737.3% 22-25

Net profit

€91k

- 22-25

Cash flow

€102k

- 22-25

Total assets

€367k

+73.3% 22-25

Equity

€146k

+166.2% 22-25

Working capital

€141k

+146.9% 22-25

Employees (FTE)

1

-20.0% 22-25

Staff costs

€24k

+60.2% 22-25

Income taxes

€12k

-54.9% 22-25

Debt

€221k

+40.8% 22-25

Debt ≤ 1y

€199k

+58.2% 22-25

Debt > 1y

€22k

-29.2% 22-25

Current ratio

1.71

+17.5% 22-25

Quick ratio

1.71

+17.5% 22-25

Solvency

39.8%

+53.6% 22-25

Debt / equity

1.51

-47.1% 22-25

ROE

62.4%

- 22-25

ROA

24.9%

- 22-25

Interest coverage

26.57

+2988.3% 22-25

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2025
Deposit	micro
Revenue	-
EBITDA	€119k
Net profit	€91k
Cash flow	€102k
Staff costs	€24k
Income taxes	€12k
Dividends	-
Total assets	€367k
Equity	€146k
Debt	€221k
of which ≤ 1y	€199k
of which > 1y	€22k
Working capital	€141k
Employees (FTE)	0.8

Ratios (computed)

	2025
Current ratio	1.71
Quick ratio	1.71
Working capital ratio	38.3%
Solvency	39.8%
Debt / equity	1.51
Long-term debt ratio	0.15
Interest coverage	26.57
Gross margin	-
Net margin	-
ROA	24.9%
ROE	62.4%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2025

Assets

Fixed assets €28k · 7.5% Current assets €340k · 92.5%

Equity & liabilities

Equity €146k · 39.8% Debt €221k · 60.2%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€367k
Fixed assets	21/28	€28k
Tangible fixed assets	22/27	€28k
Current assets	29/58	€340k
Amounts receivable within one year	40/41	€340k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€367k
Equity	10/15	€146k
Contributions / capital	10/11	€3k
Accumulated profits (losses)	14	€143k
Amounts payable	17/49	€221k
Amounts payable after one year	17	€22k
Amounts payable within one year	42/48	€199k
Trade debts payable within one year	44	€69k
Income statement
Gross operating margin	9900	€146k
Operating result	9901	€108k
Financial income	75	€8
Financial charges	65	€4k
Result before taxes	9903	€104k
Income taxes	67/77	€12k
Net result for the period	9904	€91k
Result to be appropriated	9905	€91k

You're seeing the latest fiscal year only. Unlock 3 prior years (figures + ratios) with a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2025 · computed

94 / 100 Excellent

050100

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.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank

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.

Prinsesstraat 282000 Antwerpen

Establishment units

1 location

Naturo Construct

Prinsesstraat 28, 2000 AntwerpenBoren en aanleggen van waterputten, graven van mijnschachten

since 20212.319.077.879

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area76 m²

Buildings1

Building footprint42 m²

Volume (LiDAR)486 m³

Tallest building13.3 m · ±4 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
11802B0911/00_000	Flanders	76 m²	1 · 42 m²	13.3 m · 4 fl.

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Snowflake analysis

financial profile on 5 axes

83 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 94

Profitability 100

Solvency 77

Growth 52

Stability 94

Ask AI about this company

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AI due-diligence brief

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Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

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Credit advice

verdict per customer and amount

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We hold annual accounts for 1,204 of the 21,134 companies in this sector. 901 of them are within a factor 10 of this company's equity.

See full sector →

Company registry

Company registry (CBE)

Crossroads Bank

Activities

Landschapsverzorging81300Landschapsverzorging81300Verhuur en lease van machines, apparatuur en handgereedschap voor doe-het-zelvers77221Verhuur en lease van machines, apparatuur en handgereedschap voor doe-het-zelvers77291Verhuur en lease van andere machines en werktuigen en andere materiële goederen77399Verhuur en lease van andere machines en werktuigen en andere materiële goederen77399

Primary activity highlighted.

Names & trade names

Legal nameNL

Naturo Construct

Registered office

Prinsesstraat 28

2000 Antwerpen, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.