Checked.be
Active
BE 0885.055.417Private limited company (pre-2019)
OVERO
Gistelse Steenweg 127 ·8200 Brugge, Belgium· 19 yrs active
Sector: Beauty care and other beauty treatments
(96220)
Conclusion
OVERO has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €10k and a net result of €331. Equity is shrinking by ~14.4% per year across the filed fiscal years. Its solvency ranks better than 90% of 1758 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.6% (low).
Based on the State Gazette, CBE and 3 annual accounts.
Key figures
| Equity | €10k |
| Net result | €331 |
| Better than sector | 90% |
| Active | 19 yrs |
Financial profile
68
/ 100
Strong profile, led by solvency.
All 5 axes are computed from data Checked has read.
Health
89
Profitability
17
Solvency
100
Growth
32
Stability
100
Bankruptcy probability (12 mo)
Risk Assessment
0 / 100
Low riskTrust signals
Established
Founded in 2006, 19 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
89
/ 100
Excellent
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
€1k
estimate, not credit advice
Score history
86
2022
62
2023
89
2024
purely financial, excl. current insolvency signals
Score components
Liquidity
Current ratio 3.34 (≥ 1.5)
+10
Quick ratio
Quick ratio 1.38 (≥ 1.0)
+5
Leverage
Debt/equity 0.42 (< 1.0)
+10
Profitability
ROE 3%
+3
Interest coverage
Interest coverage 2.6×
+3
Profit trend
Net profit up YoY
+5
Equity growth
Equity growing YoY
+3
Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Financial overview
Annual accounts filed on 17-09-2025 with the NBB · fiscal year 2024 · micro schema
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
declining
Equity: declining trend of ~14.4%/year over 3 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 2024 · NACE 96, Personal service activities · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 70.4% | 14.9% | |
| Net result | €331 | €1k | |
| Equity | €10k | €5k | |
| Gross operating margin | €754 | €16k | |
| Total assets | €14k | €46k |
€628
-
22-24
€331
-
22-24
€450
-
22-24
€14k
+10.3%
22-24
€10k
+3.4%
22-24
€10k
+4.8%
22-24
€4k
+30.9%
22-24
€4k
+30.9%
22-24
3.34
-14.8%
22-24
1.38
-10.3%
22-24
70.4%
-6.2%
22-24
0.42
+26.6%
22-24
3.3%
-
22-24
2.3%
-
22-24
2.56
-78.5%
22-24
Figures by fiscal year and ratios
| Fiscal year | 2024 | 2023 | 2022 |
|---|---|---|---|
| Deposit | micro schema | micro schema | micro schema |
| Revenue | - | - | - |
| EBITDA | €628 | €-3k | €718 |
| Net profit | €331 | €-3k | €653 |
| Cash flow | €450 | €-3k | €772 |
| Staff costs | - | - | - |
| Income taxes | - | - | - |
| Dividends | - | - | - |
| Total assets | €14k | €13k | €18k |
| Equity | €10k | €10k | €13k |
| Debt | €4k | €3k | €6k |
| of which ≤ 1y | €4k | €3k | €6k |
| of which > 1y | - | - | - |
| Working capital | €10k | €9k | €12k |
| Employees (FTE) | - | - | - |
Ratios (computed)
| 2024 | 2023 | 2022 | |
|---|---|---|---|
| Current ratio | 3.34 | 3.92 | 3.23 |
| Quick ratio | 1.38 | 1.54 | 2.08 |
| Working capital ratio | 69.2% | 72.8% | 67.5% |
| Solvency | 70.4% | 75.1% | 69.7% |
| Debt / equity | 0.42 | 0.33 | 0.43 |
| Long-term debt ratio | - | - | - |
| Interest coverage | 2.56 | - | 11.94 |
| Gross margin | - | - | - |
| Net margin | - | - | - |
| ROA | 2.3% | -25.0% | 3.5% |
| ROE | 3.3% | -33.3% | 5.1% |
| EBITDA margin | - | - | - |
| Days sales outstanding | - | - | - |
| Days payable outstanding | - | - | - |
| Inventory turnover | - | - | - |
| Days inventory (DSI) | - | - | - |
Balance-sheet composition 2024
Full annual accounts (21 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Balance sheet, Assets | ||||
| TOTAL ASSETS | 20/58 | €14k | €13k | €18k |
| Fixed assets | 21/28 | €176 | €295 | €414 |
| Tangible fixed assets | 22/27 | €176 | €295 | €414 |
| Current assets | 29/58 | €14k | €13k | €18k |
| Stocks & contracts in progress | 3 | €8k | €8k | €6k |
| Amounts receivable within one year | 40/41 | €968 | €2k | €67 |
| Cash & bank | 54/58 | €5k | €3k | €12k |
| Balance sheet, Equity & liabilities | ||||
| TOTAL EQUITY & LIABILITIES | 10/49 | €14k | €13k | €18k |
| Equity | 10/15 | €10k | €10k | €13k |
| Contributions / capital | 10/11 | €20k | €20k | €20k |
| Accumulated profits (losses) | 14 | €-10k | €-10k | €-7k |
| Amounts payable | 17/49 | €4k | €3k | €6k |
| Amounts payable within one year | 42/48 | €4k | €3k | €6k |
| Trade debts payable within one year | 44 | €878 | €60 | €1k |
| Income statement | ||||
| Gross operating margin | 9900 | €754 | €-3k | €830 |
| Operating result | 9901 | €509 | €-3k | €599 |
| Financial income | 75 | €67 | €53 | €114 |
| Financial charges | 65 | €245 | - | €60 |
| Result before taxes | 9903 | €331 | €-3k | €653 |
| Net result for the period | 9904 | €331 | €-3k | €653 |
| Result to be appropriated | 9905 | €331 | €-3k | €653 |
Legal Structure
| NACE primary | Beauty care and other beauty treatments(96220) |
| Legal form | Private limited company (pre-2019)(015) |
| Incorporation | 17-11-2006 |
| Status | Active |
| Postal code | 8200 |
Establishment units
Overo
since 20062.158.266.133
Real-estate footprint
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31027D0367/00Y006 | Flanders | 147 m² | 1 · 92 m² | 11.6 m · 3 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
2025
17-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 48 days late
2024
31-12
Financial
Back to profitnet €331
Net result €331 after one loss-making year.
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
31-12
Financial
Weakest financial yearnet €-3k ▼591%
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
21-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
01-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
21-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
17-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
03-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
21-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 21 days late
2016
24-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 24 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Credit advice
Company registry (CBE)
Activities
93022Beauty treatment96022Beauty care and other beauty treatments96220Wholesale of clothing, excluding workwear and underwear46423Wholesale of perfume and cosmetics46450Retail trade47715Retail sale of clothing and accessories for women, men, children and babies (general range)47716Retail sale of cosmetics and toilet articles477505142152421
Names & trade names
| Legal nameNL | OVERO |
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