OUBAY
ActiveSummary
The computed 12-month bankruptcy probability of OUBAY is 1.6% (moderate). The 2025 annual accounts show negative equity (-€21,007) and a net result of €446. Equity is growing by ~23.1% per year across the filed fiscal years. Its solvency ranks better than 5% of 11508 sector peers (fiscal year 2025). The company has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability84▲+84
Solvency0=
Growth78▲+20
Track record100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
balance sheet total too small for a liquidity verdict, and equity is negative.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Age of the figures
Age of the figures
9 mo
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 11508 sector peers (2025).
NBB · sector comparisonPosition among 11508 sector peers
Solvency
better than 5%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 07-08-2026, 7 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.
NBB · 3 filingsDeviation from the deadline
2025
7 d late
2024
15 d late
2023
26 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 3 accounts on average 16 days after the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.
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. Usually files around 15 August (3 of the last 3 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Equity
-€21,007▲ 49.3%
2024 · -€41,453
Total assets
€2,372▲ 13.0%
2024 · €2,100
Net result
€446
2024 · -€2,372
Working capital
-€21,007▲ 49.3%
2024 · -€41,453
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line202320242025
Operating result-€7,166--€2,305▲ 67.8%€715
Net result-€7,302below the sector's middle half--€2,372within the sector's middle half▲ 67.5%€446within the sector's middle half
Equity-€39,082below the sector's middle half--€41,453below the sector's middle half▼ 6.1%-€21,007below the sector's middle half▲ 49.3%
Total assets€2,164below the sector's middle half-€2,100below the sector's middle half▼ 3.0%€2,372below the sector's middle half▲ 13.0%
Debt€41,246-€43,553▲ 5.6%€23,380▼ 46.3%
Working capital-€39,126below the sector's middle half--€41,453below the sector's middle half▼ 5.9%-€21,007below the sector's middle half▲ 49.3%
above
within
below
the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €715 after a loss of €2,305 in 2024, the highest result in the available series.
Key figures and ratios
Debt ≤ 1 year
€23,380▼
2024 · €43,553
Income taxes
€111
Ratios withheld: a balance sheet total of €2,372 is too small for a meaningful ratio.
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 3,795 companies that looked in July 2024 the way this one looks now, 2.7% went bankrupt within 24 months and 92% are still going.
- Micro
- 20 years or older
- negative equity
- a profit of 5% of the balance sheet or more
2.7%
went bankrupt
5.3%
stopped otherwise
92%
still going
A further 0.5% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.6% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 3,795 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €152 | €45 | - | - |
| Other operating charges640/8 | €384 | - | - | - |
| Gross operating margin9900 | -€6,630 | -€2,260 | €715 | ▲ 132% |
| Operating profit (loss)9901 | -€7,166 | -€2,305 | €715 | ▲ 131% |
| Financial income75/76B | €0 | - | - | - |
| Recurring financial income75 | €0 | - | - | - |
| Financial charges65/66B | €136 | €66 | €157 | ▲ 137% |
| Recurring financial charges65 | €136 | €66 | €157 | ▲ 137% |
| Profit (loss) for the period before taxes9903 | -€7,302 | -€2,372 | €557 | ▲ 124% |
| Income taxes67/77 | - | - | €111 | - |
| Profit (loss) for the period9904 | -€7,302 | -€2,372 | €446 | ▲ 119% |
| Profit (loss) for the period to be appropriated9905 | -€7,302 | -€2,372 | €446 | ▲ 119% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €2,164 | €2,100 | €2,372 | ▲ 13.0% |
| Fixed assets21/28 | €45 | - | - | - |
| Tangible fixed assets22/27 | €45 | - | - | - |
| Furniture and vehicles24 | €45 | - | - | - |
| Current assets29/58 | €2,119 | €2,100 | €2,372 | ▲ 13.0% |
| Stocks and contracts in progress3 | - | €96 | €241 | ▲ 152% |
| Stocks30/36 | - | €96 | €241 | ▲ 152% |
| Amounts receivable within one year40/41 | - | €74 | €118 | ▲ 60.0% |
| Other amounts receivable41 | - | €74 | €118 | ▲ 60.0% |
| Cash at bank and in hand54/58 | €2,119 | €1,931 | €2,014 | ▲ 4.3% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €2,164 | €2,100 | €2,372 | ▲ 13.0% |
| Equity10/15 | -€39,082 | -€41,453 | -€21,007 | ▲ 49.3% |
| Contributions10/11 | €6,200 | €6,200 | €6,200 | = |
| Reserves13 | €36 | €36 | €36 | = |
| Non-distributable reserves130/1 | €36 | €36 | €36 | = |
| Reserves not available under the articles1311 | €36 | €36 | €36 | = |
| Profit (loss) carried forward14 | -€45,317 | -€47,689 | -€27,243 | ▲ 42.9% |
| Amounts payable17/49 | €41,246 | €43,553 | €23,380 | ▼ 46.3% |
| Amounts payable within one year42/48 | €41,246 | €43,553 | €23,380 | ▼ 46.3% |
| Trade debts44 | €2,168 | €96 | €107 | ▲ 11.4% |
| Suppliers440/4 | €1,566 | €96 | €107 | ▲ 11.4% |
| Bills of exchange payable441 | €602 | - | - | - |
| Taxes, remuneration and social security45 | €579 | €1,531 | €1,469 | ▼ 4.1% |
| Taxes450/3 | €579 | €1,531 | €1,469 | ▼ 4.1% |
| Other amounts payable47/48 | €38,499 | €41,926 | €21,804 | ▼ 48.0% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | -€7,302 | -€2,372 | €446 | ▲ 119% |
| + Depreciation and write-downs630 | €152 | €45 | - | - |
| Operating cash flow (approximation) | -€7,150 | -€2,327 | €446 | ▲ 119% |
| Change in cash | - | -€188 | €83 | ▲ 144% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
07-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 7 days late
05-06
State Gazette act
Appointment: EL BOUBSI Mohammed (non-statutory director)Resignation: EL BOUBSI Mohammed (manager) · Legal-form conversion · Capital conversion11 facts ▸
State Gazette act
Appointment: EL BOUBSI Mohammed (non-statutory director)
Resignation: EL BOUBSI Mohammed (manager) · Legal-form conversion · Capital conversion11 facts ▸
- General meeting, 03-03-2026
- Legal-form conversion, Société à responsabilité limitée
- Capital conversion, compte de capitaux propres statutairement indisponible
- Reserve release, suppression du compte de capitaux propres statutairement indisponible, fonds disponibles pour distribution
- Statutes amendment
- Capital
- Director appointment, EL BOUBSI Mohammed (non-statutory director)
- Director resignation, EL BOUBSI Mohammed (manager)
- Director discharge, EL BOUBSI Mohammed
- Registered office clause, Avenue d'Auderghem 329, 1040 Etterbeek
- Other statement, décision précédente, établir et signer la coordination des statuts, assurer son dépôt au dossier de la société
2025
31-12
Financial
Back to profitnet €446
Net result €446 after 2 loss-making years.
15-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 15 days late
2024
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 2 acts read
About the unread acts
Of the 2 Belgian State Gazette acts we know for this company, 1 has been read. The other one has not been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
1 director, last change in 2026
EL BOUBSI Mohammed
CurrentNon-statutory director · since 05-06-2026
Derived from published Gazette acts. The CBE keeps the official list of function holders; we do not read it, so the two can differ.
See the function holders in the CBE →
Not every act has been read: a resignation may be missing here
1 of this company's 2 Belgian State Gazette acts has not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Etterbeek · 1 establishment unit since 2008
Ground area
135 m²
Building footprint
98 m²
Volume, LiDAR
1,283 m³
2 parcels, Brussels · tallest building 17.4 m, ±5 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
OUBAY
since 20082.173.171.865
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21362B0031/00S005 | Brussels | 74 m² | 1 · 44 m² | 14.4 m · 4 fl. |
| 21362B0033/00A002 | Brussels | 60 m² | 1 · 54 m² | 17.4 m · 5 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Mandate history
1 person since 2026, 1 in office
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| EL BOUBSI Mohammed |
|
Articles of association
Who signs
“Article 12. Pouvoirs de l’organe d’administration S’il n’y a qu’un seul administrateur, la totalité des pouvoirs d’administration lui est attribuée, avec la faculté de déléguer partie de ceux-ci. Lorsque la société est administrée par plusieurs administrateurs, chaque administrateur agissant seul…”
Full text
Article 12. Pouvoirs de l’organe d’administration S’il n’y a qu’un seul administrateur, la totalité des pouvoirs d’administration lui est attribuée, avec la faculté de déléguer partie de ceux-ci. Lorsque la société est administrée par plusieurs administrateurs, chaque administrateur agissant seul, peut accomplir tous les actes nécessaires ou utiles à l’accomplissement de l’objet, sous réserve de ceux que la loi et les statuts réservent à l’assemblée générale. Chaque administrateur représente la société à l'égard des tiers et en justice, soit en demandant, soit en défendant. Il peut déléguer des pouvoirs spéciaux à tout mandataire.
Annual meeting
Last Monday of June
Duration
Unlimited
Purpose
Tous les articles de parfumerie, de toilette, cosmétiques, produits de beauté, maquillage, ainsi que savons et détergents; Matériaux de construction, matériel électrique et…
Full purpose (28 activities)
- Tous les articles de parfumerie, de toilette, cosmétiques, produits de beauté, maquillage, ainsi que savons et détergents
- Matériaux de construction, matériel électrique et électronique, sanitaire et de plomberie
- Tous produits alimentaires tels que fruits, légumes, conserves, produits laitiers, produits de la mer, poissons, boucherie, articles de ménages et articles cadeaux
- Tous textiles en général, vêtements divers, chaussures, cordonnerie, serrurerie, maroquinerie dans le sens le plus large
- Tous produits de l‘artisanat en général, tapisseries y compris les articles du tiers-monde
- Tous les articles d'horticulture tels que fleurs, plantes, articles de jardinage, aménagement et entretien de jardins et de pépinières
- Tous livres, antiquités, brocantes, objets de décoration, machines industrielles
- Tous bijoux, orfèvrerie
- Tous appareils électroménagers, tous films de bandes magnétiques, DVD, cassettes, tous articles imprimés ou enregistrés permettant leur lecture vision ou audition
- Livres
- Tous matériaux de bureau et de 1'informatique, téléphones, gsm, fax
- Tous véhicules neufs et d'occasion, ainsi que leurs pièces détachées
- D'un salon de coiffure et produits de salon ; d'un salon de beauté, d'un centre de bancs solaires
- Atelier de confection et de vente de vêtements traditionnels et artisanaux
- Cabines téléphoniques
- Atelier de fabrication de tous produits de boulangerie et de pâtisserie, de tous produits alimentaires et non alimentaires
- Librairie
- Tous snacks bars, brasseries, salon de consommation, hôtels, restaurants, salon de thé, tavernes, cafés, discothèques, buffets, vestiaires pour publics, locations de places, salles d'organisation, de banquet et service traiteur
- La messagerie, les services de fax, de cabines téléphoniques et de services internet, et de photocopies, night-shop, de laboratoire de développements photos, d'atelier de tournage, d'affutage et de rectification de pièces mécaniques
- D'une société de taxis, Car-Wash, station-service (tous carburants tels que mazout, diesel, gaz, ), garage avec atelier de réparation, entretien et dépannage
- Entreprise générale de bâtiment, peinture, maçonnerie, électricité, toiture
- Fournir tous services ou prestations au profit de toutes clientèles privées ou commerciales
- Le nettoyage et l'entretien d'immeubles, le nettoyage de vitres et de bureaux, de petits travaux de bureau, services intérimaires, sous-traitance
- Marchés publics
- Transport de personnes et de marchandises
- 1) La vente en gros et en détail l‘import-export de :
- 2) L'exploitation de :
- 3) Toutes activités relatives à :
Other statement
Article 9. Indivisibilité des titres
Article 14. Gestion journalière
Toute personne peut renoncer à la convocation et, en tout cas, sera considérée comme ayant été régulièrement convoquée si elle est présente ou représentée à l'a…
Article 17. Assemblée générale par procédure écrite
Article 19. Séances – procès-verbaux
Article 21. Prorogation
Article 22. Pouvoirs de l’assemblée générale
Article 28. Paiement des dividendes et acomptes sur dividendes
Article 30. Compétence judiciaire
Article 31. Droit commun
7 more provisions on this in the deed
Legal form clause
Registered office clause
Région de Bruxelles-Capitale, sièges administratifs, agences, ateliers, dépôts et succursales en Belgique et à l'étranger par simple décision de l’organe d’admi…
Share issue rule
En cas d’actionnaire unique-administrateur, ce dernier détermine librement les versements ultérieurs sur les actions souscrites en espèces et non entièrement li…
Courrier électronique ou courrier ordinaire le même jour, au moins quinze jours à dater de l’ouverture de la souscription
Transfer restriction
Applicables dans tous les cas de cessions entre vifs, soit à titre onéreux, soit à titre gratuit, tant volontaires que forcées (cas de l'exclusion et du retrait…
Board rule
Article 11. Organe d’administration
Les administrateurs non-statutaires sont révocables ad nutum par l'assemblée générale, revocation
Article 13. Rémunération des administrateurs
Meeting access
Article 18. Admission à l’assemblée générale
Voting rule
Article 20. Délibérations
Profit allocation
Article 24. Répartition – réserves
Dissolution rule
Article 25. Dissolution
Liquidation rule
Article 26. Liquidateurs
Liquidation distribution
Article 27. Répartition de l’actif net
Share class
Les titulaires d'actions peuvent prendre connaissance de ce registre relatif à leurs titres, registre des actions nominatives
Structure & network
Connections & network
1 current directorThe network starts from this company’s directors. Other companies they run appear here as nodes.
This company
Company
Director
Shareholding
+N: links not shown yet
Click a node to look further, drag to arrange, scroll to zoom.
Similar companies · same sector and region
4U-NIQUE
BE 0805.852.343
Etterbeek
CHZ INVEST
BE 0668.829.351
Etterbeek
COSMEYER
BE 0836.801.182
Etterbeek
FORTILAB DISTRIBUTION AND PROMOTION
BE 0835.128.527
Etterbeek
M. Moureau
BE 0403.076.570
Brussel
This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 798 companies in sector 46450 we hold annual accounts for 453. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded09-03-2005
Fiscal year end31-12
Activities, NACEBEL 2025
46450Wholesale of perfume and cosmetics
96220Beauty care and other beauty treatments
E-invoicing
Not found in the Peppol register
No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.
What can you do?
Try sending from your invoicing software; if that fails, ask the customer whether they already receive via Peppol.
If the customer is not ready yet, you may send the invoice another way, for example as a PDF; if electronically, with their agreement on a secure alternative. That invoice is valid; the customer risks a penalty. FPS Finance
If you follow this company, Checked tells you the day it appears in the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.