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Complete company report
Generated 17-08-2026
Active BE 0477.883.960Private limited company (pre-2019)Open bankruptcy

ORATO

St.Gertrudisplein 9 ·3740 Bilzen-Hoeselt, Belgium· 24 yrs active
Sector: Overige zakelijke dienstverlening, neg (82990)
Conclusion Checked

A bankruptcy procedure is open for ORATO according to publications in the Belgian State Gazette. The 2023 annual accounts show equity of €7k and a net result of €-394.

Based on the State Gazette, CBE and 6 annual accounts.
Key figures
Equity €7k
Net result €-394
Better than sector 32%
Active 24 yrs
Financial profile 5 of 5 axes measured · computed by Checked
Health3Profitability0Solvency46Growth58Stability0
21 / 100

Fragile profile, watch profitability in particular.

All 5 axes are computed from data Checked has read.

Health 3
Profitability 0
Solvency 46
Growth 58
Stability 0
Bankruptcy probability (12 mo) Checked model v1 · free

Bankruptcy opened

A bankruptcy procedure is already open, a probability score is no longer meaningful. See the insolvency timeline for the state of the procedure.

Risk Assessment rule-based
50 / 100
High riskRegister: open bankruptcy
This score counts publications in the Belgian State Gazette only. The KBO register additionally records legal situation 050 for this company; it does not feed the figure above.
Components
· Open bankruptcy (+50)
Trust signals 2 signals
Register: open bankruptcy
The KBO register records legal situation 050 for this company. This is today's state according to the register itself; the register carries no start date.
Open bankruptcy
Active bankruptcy procedure in the Belgisch Staatsblad. Claims are handled by the appointed curator.
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
3 / 100 Critical
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 and an insolvency signal from the Belgian State Gazette. Indicative, not credit advice.
Financial overview10 NBB filings
Annual accounts filed on 07-10-2024 with the NBB · fiscal year 2023 · micro
€-100k€-50k€0€50kOperating result 2019: €2k€2kNet result 2019: €-30k€-30kOperating result 2020: €9k€9kNet result 2020: €-21k€-21kOperating result 2021: €41k€41kNet result 2021: €33k€33kOperating result 2022: €-64k€-64kNet result 2022: €-62k€-62kOperating result 2023: €-93€-93Net result 2023: €-394€-39420192020202120222023
Operating resultNet result
Sector comparison
Fiscal year 2023 · NACE 82 · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 28.6% 51.1%
better than 32% of 2576 sector peers
Net result €-394 €16k
better than 20% of 2572 sector peers
Equity €7k €34k
better than 22% of 2577 sector peers
Gross operating margin €3k €34k
better than 17% of 2570 sector peers
Total assets €23k €85k
better than 16% of 2578 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€2k
- 18-23
Net profit
€-394
+99.4% 18-23
Cash flow
€2k
- 18-23
Total assets
€23k
-60.7% 18-23
Equity
€7k
-5.6% 18-23
Working capital
€1k
-51.5% 18-23
Employees (FTE)
1
+60.0% 18-23
Staff costs
€9k
-9.7% 18-23
Show 10 other metrics
Income taxes
€113
-98.6% 18-23
Debt
€17k
-68.2% 18-23
Debt ≤ 1y
€17k
-68.2% 18-23
Current ratio
1.08
+2.7% 18-23
Quick ratio
1.08
+2.7% 18-23
Solvency
28.6%
+140.3% 18-23
Debt / equity
2.50
-66.3% 18-23
ROE
-5.9%
+99.3% 18-23
ROA
-1.7%
+98.4% 18-23
Interest coverage
6.01
- 18-23
Figures by fiscal year
Fiscal year2023
Depositmicro
Revenue-
EBITDA€2k
Net profit€-394
Cash flow€2k
Staff costs-
Income taxes-
Dividends-
Total assets€23k
Equity€7k
Debt€17k
of which ≤ 1y€17k
of which > 1y-
Working capital€1k
Employees (FTE)-
Ratios (computed)
2023
Current ratio1.08
Quick ratio1.08
Working capital ratio6.0%
Solvency28.6%
Debt / equity2.50
Long-term debt ratio-
Interest coverage6.01
Gross margin-
Net margin-
ROA-1.7%
ROE-5.9%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2023
Full annual accounts (22 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2023
Balance sheet, Assets
TOTAL ASSETS 20/58€23k
Fixed assets 21/28€5k
Intangible fixed assets 21€2k
Tangible fixed assets 22/27€3k
Current assets 29/58€18k
Amounts receivable within one year 40/41€14k
Investments 50/53€40
Cash & bank 54/58€4k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€23k
Equity 10/15€7k
Contributions / capital 10/11€19k
Reserves 13€4k
Accumulated profits (losses) 14€-16k
Amounts payable 17/49€17k
Amounts payable within one year 42/48€17k
Trade debts payable within one year 44€13k
Income statement
Gross operating margin 9900€3k
Operating result 9901€-93
Financial charges 65€302
Result before taxes 9903€-394
Net result for the period 9904€-394
Result to be appropriated 9905€-394
This table shows the latest fiscal year. 4 prior years, with figures and ratios, belong to a paid plan. See plans →
Ratios computed by Checked.
Directors & mandates 4 directors
Current directors & mandates
  • Marie Paul Gilberte Marcel Baerten
    Director
    State Gazette act 23014157 (27-01-2023)
    Current
    01-01-2023 → present
  • Naomi Emile Madeleine Daniëls
    Director
    State Gazette act 23014157 (27-01-2023)
    Current
    01-01-2023 → present
Former directors (2)
  • Jan Hermans
    Director
    State Gazette act 23014157 (27-01-2023)
    Former
    - → 01-01-2023
  • Nele De Keyser
    Director
    State Gazette act 23014157 (27-01-2023)
    Former
    - → 31-12-2022
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.
Directors & mandates2 persons
Role Name Tenure Source
Curator MICHAEL WARSON
KUNSTLAAN 18 BUS 6, 3500 HASSELT
 30-07-2025 → present Belgian State Gazette
Curator TOM RENCKENS
KUNST- LAAN 18 BUS 6, 3500 HASSELT
 30-07-2025 → present Belgian State Gazette
Legal Structure
NACE primary Overige zakelijke dienstverlening, neg(82990)
Legal form Private limited company (pre-2019)(015)
Incorporation02-07-2002
StatusActive
Postal code3740
First BS signal 06-08-2025
Latest BS signal 06-08-2025
Establishment units 1 location
Establishment
vervaardiging van automatische gegevensverwerkende machines, inclusief microcomputers en tekstverwerkende machines : centrale verwerkingseenheden, interfaces, consoles, digitale machines, analoge mach
since 20022.096.218.993
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.

Flanders 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
71322B0226/00T000 Flanders 1,259 m² 1 · 151 m² 11.5 m · 3 fl.
73005A0364/00H002 Flanders 982 m² 1 · 214 m² 15.0 m · 3 fl.
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.
Updates 12 events

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

2025
06-08-2025
Bankruptcy Opening
Ondernemingsrechtbank Antwerpen, afdeling Hasselt · ORATO BV ST.GERTRUDIS- PLEIN 9/13, 3740 BILZEN-HOESELT · event 30-07-2025
2024
07-10-2024
NBB filing Annual accounts filed
fiscal year 2023 · micro
2023
30-08-2023
NBB filing Annual accounts filed
fiscal year 2022 · micro
27-01-2023
State Gazette act Director changes
2022
30-09-2022
NBB filing Annual accounts filed
fiscal year 2021 · micro
07-03-2022
NBB filing Annual accounts filed
fiscal year 2020 · micro
2020
28-09-2020
NBB filing Annual accounts filed
fiscal year 2019 · micro
2019
30-08-2019
NBB filing Annual accounts filed
fiscal year 2018 · micro
2018
31-08-2018
NBB filing Annual accounts filed
fiscal year 2017 · micro
2017
11-08-2017
NBB filing Annual accounts filed
fiscal year 2016 · micro
2016
09-05-2016
NBB filing Annual accounts filed
fiscal year 2015 · verkort
2015
26-05-2015
NBB filing Annual accounts filed
fiscal year 2014 · verkort
Lifecycle & Insolvency Signals1 events
06-08-2025
Bankruptcy Opening
Date: 30-07-2025 · Ondernemingsrechtbank Antwerpen, afdeling Hasselt · ORATO BV ST.GERTRUDIS- PLEIN 9/13, 3740 BILZEN-HOESELT · Publications in State Gazette ↗
Time machine, BS events + macro context 2021, 2026
COVID lockdownEnergiecrisisECB hikes2021202220232024202520262025-08-06 · Bankruptcy · Opening
Macro context
2020-Q2/Q3 COVID lockdown
2022 energy crisis
2023-2024 ECB rate hikes
Legend
Bankruptcy
Interim / reorg
KBO event
Belgian State Gazette reading coverage 0 of 2 acts read

We know of 2 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 3 years ago
2023
27-01-2023 2 directors appointed, 2 resigning Director changes
  • Marie Paul Gilberte Marcel Baerten, Bestuurder
  • Naomi Emile Madeleine Daniëls, Bestuurder
  • Nele De Keyser, Bestuurder
  • Jan Hermans, Bestuurder
Technical details 
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  "notary": {
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  "act_meta": {
    "language": "mixed",
    "pub_date": "2023-01-27",
    "filing_date": "2013-01-17",
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  "decisions": [
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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
Gegevensverwerking72300Overige zakelijke dienstverlening, n.e.g.82990Overige zakelijke dienstverlening, neg82990Computerconsultancy-activiteiten62020Beheer van computerfaciliteiten62030Activiteiten op het gebied van computerconsultancy en beheer van computerfaciliteiten62200Computerinfrastructuur, gegevensverwerking, hosting en aanverwante activiteiten63100Gegevensverwerking, webhosting en aanverwante activiteiten63110Webportalen63120Activiteiten van webportalen63910Overige vormen van onderwijs85599Overige vormen van onderwijs85599
Primary activity highlighted.
Names & trade names
Legal nameNL ORATO
Registered office
St.Gertrudisplein 9 bus 13
3740 Bilzen-Hoeselt, 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