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Complete company report
Generated 19-08-2026
Active BE 0782.698.344Private limited company

O'NATURALIS

Haute Levée 19 ·4970 Stavelot, Belgium· 4 yrs active
Sector: Overige niet-gespecialiseerde detailhandel (47120)
Conclusion Checked

The computed 12-month bankruptcy probability of O'NATURALIS is 5.2% (elevated). The 2023 annual accounts show negative equity (€-26k) and a net result of €-34k. Its solvency ranks better than 15% of 5807 sector peers (fiscal year 2023). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 2 annual accounts.
Key figures
Equity €-26k
Net result €-34k
Staff (FTE) 1.3
Better than sector 15%
Financial profile 5 of 5 axes measured · computed by Checked
Health30Profitability100Solvency45Growth58Stability94
65 / 100

Strong profile, led by profitability.

All 5 axes are computed from data Checked has read.

Health 30
Profitability 100
Solvency 45
Growth 58
Stability 94
Bankruptcy probability (12 mo) Checked model v1 · free
5.2% Elevated
0%0,5%1,5%4%10%≥25%
Annual accounts: weaker financial profile +Young company +Higher-failure-rate sector +

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

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
More than 3 years active
Founded in 2022, 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 Flags0 events
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.
Health barometer FY 2023 · computed
30 / 100 Weak
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.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2023. Indicative, not credit advice.
Financial overview2 NBB filings
Annual accounts filed on 08-08-2024 with the NBB · fiscal year 2023 · micro
€-60k€-40k€-20k€0Operating result 2022: €-42k€-42kNet result 2022: €-43k€-43kOperating result 2023: €-32k€-32kNet result 2023: €-34k€-34k20222023
Operating resultNet result
Sector comparison
Fiscal year 2023 · NACE 47, Retail trade · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency -33.5% 20.0%
better than 15% of 5807 sector peers
Net result €-34k €3k
better than 8% of 5787 sector peers
Equity €-26k €15k
better than 11% of 5815 sector peers
Gross operating margin €15k €23k
better than 43% of 5761 sector peers
Staff costs €40k €33k
higher than 57% of 2598 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€-25k
+33.1% 22-23
Net profit
€-34k
+20.8% 22-23
Cash flow
€-26k
+30.4% 22-23
Total assets
€78k
-16.0% 22-23
Equity
€-26k
- 22-23
Working capital
€1k
- 22-23
Employees (FTE)
1
+333.3% 22-23
Staff costs
€40k
+194.1% 22-23
Show 10 other metrics
Debt
€105k
+21.9% 22-23
Debt ≤ 1y
€45k
-37.8% 22-23
Debt > 1y
€60k
+322.2% 22-23
Current ratio
1.03
+38.0% 22-23
Quick ratio
0.14
-40.3% 22-23
Solvency
-33.5%
- 22-23
Debt / equity
-3.99
- 22-23
ROE
128.3%
- 22-23
ROA
-43.0%
+5.7% 22-23
Interest coverage
-16.80
+68.2% 22-23
Figures by fiscal year
Fiscal year2023
Depositmicro
Revenue-
EBITDA€-25k
Net profit€-34k
Cash flow€-26k
Staff costs€40k
Income taxes-
Dividends-
Total assets€78k
Equity€-26k
Debt€105k
of which ≤ 1y€45k
of which > 1y€60k
Working capital€1k
Employees (FTE)1.3
Ratios (computed)
2023
Current ratio1.03
Quick ratio0.14
Working capital ratio1.6%
Solvency-33.5%
Debt / equity-3.99
Long-term debt ratio-2.29
Interest coverage-16.80
Gross margin-
Net margin-
ROA-43.0%
ROE128.3%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2023
Full annual accounts (24 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2023
Balance sheet, Assets
TOTAL ASSETS 20/58€78k
Fixed assets 21/28€33k
Intangible fixed assets 21€18k
Tangible fixed assets 22/27€14k
Financial fixed assets 28€1k
Current assets 29/58€46k
Stocks & contracts in progress 3€40k
Amounts receivable within one year 40/41€1k
Cash & bank 54/58€450
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€78k
Equity 10/15€-26k
Contributions / capital 10/11€50k
Accumulated profits (losses) 14€-76k
Amounts payable 17/49€105k
Amounts payable after one year 17€60k
Amounts payable within one year 42/48€45k
Trade debts payable within one year 44€13k
Income statement
Gross operating margin 9900€15k
Operating result 9901€-32k
Financial income 75€0
Financial charges 65€1k
Result before taxes 9903€-34k
Net result for the period 9904€-34k
Result to be appropriated 9905€-34k
This table shows the latest fiscal year. 1 prior year, with figures and ratios, belongs to a paid plan. See plans →
Ratios computed by Checked.
Legal Structure
NACE primary Overige niet-gespecialiseerde detailhandel(47120)
Legal form Private limited company(610)
Incorporation28-02-2022
StatusActive
Postal code4970
Establishment units 1 location
O'NATURALIS
Haute Levée 19, 4970 StavelotDetailhandel in cosmetica en toiletartikelen
since 20222.328.600.113
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

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.

Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
63073B2750/00K002 Wallonia 855 m² 1 · 81 m² -
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.
Updates 3 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2024
08-08-2024
NBB filing Annual accounts filed
fiscal year 2023 · micro
2023
16-08-2023
NBB filing Annual accounts filed
fiscal year 2022 · micro
2022
09-03-2022
State Gazette act Minor change
Other address change · Bernard CESAR
Belgian State Gazette reading coverage 0 of 3 acts read

We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 1 acts
All acts · 1 updated 4 years ago
2022
09-03-2022 Publication in the Belgian Official Gazette, Minor change Minor change·Bernard CESAR
Summary: Other address changeNotary: Bernard CESAR · Stavelot
Technical details 
{
  "notary": {
    "name": "Bernard CESAR",
    "firm_city": null,
    "firm_name": null,
    "office_city": "Stavelot",
    "is_associated": false
  },
  "act_meta": {
    "language": "mixed",
    "pub_date": null,
    "filing_date": "2022-03-02",
    "act_kind_objet": "Objet social"
  },
  "decision": {
    "body": "notarieel_alleen",
    "date": "2022-02-25",
    "unanimous": null
  },
  "agm_change": null,
  "detected_kind": "other_address_change",
  "other_address": {
    "action": "added",
    "purpose": "statutaire_zetel",
    "address_new": "4970 - Stavelot, Haute Lev\u00E9e, n\u00B0 19 Bte A",
    "address_old": null,
    "effective_date": null,
    "effective_date_is_approximate": null
  },
  "mandate_renewal": null,
  "subject_company": {
    "kbo": "0782.698.344",
    "name_full": "O\u0027NATURALIS",
    "legal_form": "SRL"
  },
  "accounts_deposit": null,
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
    "person_name": "Bernard CESAR",
    "org_rep_person_name": null
  },
  "co_filed_documents": [],
  "fiscal_year_change": null,
  "liquidation_closure": null,
  "officer_designation": null,
  "special_procuration": null,
  "is_volet_a_only_stub": true,
  "vakbekwaamheid_change": null,
  "should_reroute_to_category": null,
  "single_shareholder_declaration": null
}
Credit advice verdict per customer and amount

May this customer buy amount X on invoice? Enter the amount and the payment term. This page computes a GREEN, AMBER or RED verdict from them, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
Company registry (CBE) Crossroads Bank
Activities
Overige niet-gespecialiseerde detailhandel47120Detailhandel via postorderbedrijven of via internet47910Vervaardiging van zeep en wasmiddelen20411Vervaardiging van poets- en reinigingsmiddelen20412Vervaardiging van parfums en toiletartikelen20420Detailhandel in cosmetica en toiletartikelen47750
Primary activity highlighted.
Names & trade names
Legal nameFR O'NATURALIS
Registered office
Haute Levée 19 bus A
4970 Stavelot, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative