CX Talents
ActiveSummary
CX Talents has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €5k and a net result of €51k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 19% of 7750 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
74
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency34▼-56
Growth58▼-20
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
9.3%
Return on assets
91.8%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 7750 sector peers (2025).
NBB · sector comparisonPosition among 7750 sector peers
Solvency
better than 19%
← 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 20-08-2026, 20 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 · 6 filingsDeviation from the deadline
2025
20 d late
2024
20 d late
2023
15 d early
2022
29 d late
2021
25 d late
2020
13 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€5k▼ 90.5%
2024 · €54k
2020: €49k
2021: €92k
2022: €126k
2023: €147k
2024: €54k
2020 → 2025
Total assets
€55k▼ 34.0%
2024 · €84k
2020: €95k
2021: €142k
2022: €185k
2023: €180k
2024: €84k
2020 → 2025
Net result
€51k▲ 2.5%
2024 · €49k
2020: €44k
2021: €43k
2022: €34k
2023: €21k
2024: €49k
2020 → 2025
Working capital
€46k▼ 14.4%
2024 · €53k
2020: €47k
2021: €90k
2022: €124k
2023: €150k
2024: €53k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€92k-€126k▲ 37.2%€147k▲ 17.0%€54k▼ 63.0%€5k▼ 90.5%
Operating result€55k-€44k▼ 20.3%€28k▼ 36.3%€63k▲ 126%€65k▲ 3.3%
Net result€43k-€34k▼ 20.1%€21k▼ 37.3%€49k▲ 131%€51k▲ 2.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 3% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €55k
Fixed assets
€2k ▲ 51.1%
Current assets
€53k ▼ 35.4%
Equity and liabilities €55k
Equity
€5k ▼ 90.5%
Debt
€50k ▲ 71.4%
Debt's share of the balance-sheet total rises from 34.9% to 90.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€66k▼
2024 · €70k
Cash flow
€52k▼
2024 · €57k
Current ratio
7.21▲
2024 · 2.86
Quick ratio
6.74▲
2024 · 2.86
Debt to equity
9.70▲
2024 · 0.54
ROE
982.0%▲
2024 · 90.8%
ROA
91.8%▲
2024 · 59.1%
Interest coverage
103.72▼
2024 · 215.81
Debt ≤ 1 year
€7k▼
2024 · €29k
Income taxes
€13k▲
2024 · €13k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 46 lines
Balance sheet
Code20242025
Assets
Total assets20/58€84k€55k▼
Fixed assets21/28€1k€2k▲
Tangible fixed assets22/27€1k€2k▲
Plant, machinery and equipment23€662€267▼
Furniture and vehicles24€706€2k▲
Current assets29/58€82k€53k▼
Stocks and contracts in progress3-€4k
Contracts in progress37-€4k
Amounts receivable within one year40/41€28k€16k▼
Trade receivables40€21k€15k▼
Other amounts receivable41€7k€1k▼
Cash at bank and in hand54/58€55k€33k▼
Equity and liabilities
Total equity and liabilities10/49€84k€55k▼
Equity10/15€54k€5k▼
Contributions10/11€5k€5k=
Reserves13€49k€164▼
Distributable reserves133€49k€164▼
Amounts payable17/49€29k€50k▲
Amounts payable within one year42/48€29k€7k▼
Financial debts43-€779
Credit institutions430/8-€779
Trade debts44€1k€2k▲
Suppliers440/4€1k€2k▲
Taxes, remuneration and social security45€10k€4k▼
Taxes450/3€10k€4k▼
Other amounts payable47/48€17k-
Accrued charges and deferred income492/3€396€43k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€1k▼
Other operating charges640/8€460€756▲
Gross operating margin9900€71k€67k▼
Operating profit (loss)9901€63k€65k▲
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€326€636▲
Recurring financial charges65€326€636▲
Profit (loss) for the period before taxes9903€62k€64k▲
Income taxes67/77€13k€13k▲
Profit (loss) for the period9904€49k€51k▲
Profit (loss) for the period to be appropriated9905€49k€51k▲
Appropriation of the result
Profit (loss) to be appropriated9906€49k€51k▲
Profit (loss) brought forward from the previous period14P€42-
Transfer from equity791/2€142k€100k▼
Transfer to equity691/2€49k€51k▲
To other reserves6921€49k€51k▲
Profit to be distributed694/7€142k€100k▼
Return on contributions (dividend)694€142k€100k▼
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
20-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 20 days late
2025
31-12
Financial
Highest result since 2020net €51k ▲2.5%
Operating result €65k, net result €51k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 7.21
Current ratio from 2.86 to 7.21; short-term debt falls from €29k to €7k.
20-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 20 days late
2024
16-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €21k ▼37.3%
Net result drops to €21k, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
31-12
Financial
Equity above €100kEq €126k ▲37.2%
3 profitable years in a row build equity to €126k.
25-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 25 days late
2021
13-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 13 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Leuven · 1 establishment unit since 2019
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Bergstraat 1133010 LeuvenGround area
1,221 m²
Building footprint
154 m²
Volume, LiDAR
844 m³
Parcel 24051A0157/00S000, Flanders · tallest building 11.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CX Talents
since 20192.294.430.278
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24051A0157/00S000 | Flanders | 1,221 m² | 1 · 154 m² | 11.8 m · 2 fl. |
Linked by address, not proof of ownership
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.
Similar companies · same sector, comparable size
BUILD MORE
BE 0803.416.257
Puurs-Sint-Amands · Eq €5,168
CVK Management
BE 1004.011.663
Kruisem · Eq €5,158
Fair Strategy Agency
BE 0652.597.489
Erquelinnes · Eq €5,178
ARCHITECT RIK MAURISSEN
BE 0885.617.423
Bilzen-Hoeselt · Eq €5,149
Concentric
BE 0635.831.040
Antwerpen · Eq €5,145
Of 24,500 companies in sector 82990 we hold annual accounts for 9,404. 3,195 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-10-2019
Fiscal year end31-12
Activities, NACEBEL 2025
82990Other business support services
63100Computing infrastructure, data processing, hosting and related activities
63910Web portal activities
74120Graphic design and visual communication
77330Rental and leasing activities
82100Office administrative and support services
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.