Abstract: A reasonably stable water-in-oil skin moisturizer cream can be prepared from up to 90 or 95 parts by weight of an oil phase containing at least 5 weight percent cocoa butter and at least 5, preferably at least 10, parts by weight of water. Borax is preferably added to the water phase. The oil phase also contains 200-400 phr vegetable oil, based on the weight of cocoa butter. Mineral oil, a suitable ester wax, and, preferably, a suitable fatty acid ester emollient are also included in the oil phase. A fatty acid amine stearate helps to stabilize the skin cream. Despite the presence of both water and cocoa butter in the same composition, storage stability problems can be overcome, and the skin cream liquifies easily on the skin.