TALCO
ActiveSummary
TALCO has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €214k and a net result of €61k. Equity is growing by ~25.9% per year across the filed fiscal years. Its solvency ranks better than 47% of 7029 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
73
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability87▼-13
Solvency75▼-25
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days acceptable
Liquidity ample (current ratio 2.72 against 12.99 in 2024; short-term debt: 36.6% and cash: 15% of total assets), and 49.6% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
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
50.4%
Return on assets
14.3%
Age of the figures
12 mo
neutral · A punctual record breaks
This company filed 9 consecutive financial years on time. The year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 11-05-2026, 11 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
11 d late
2024
8 d early
2023
21 d early
2022
12 d early
2021
2 d early
2020
on the day
2019
on the day
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€214k▼ 18.1%
2024 · €261k
2018: €48k
2019: €9k
2020: €101k
2021: €134k
2022: €111k
2023: €84k
2024: €261k
2018 → 2025
Total assets
€425k▲ 24.1%
2024 · €342k
2018: €1.21M
2019: €1.10M
2020: €1.15M
2021: €1.07M
2022: €1.02M
2023: €942k
2024: €342k
2018 → 2025
Net result
€61k▼ 65.7%
2024 · €178k
2018: €-97k
2019: €-40k
2020: €93k
2021: €33k
2022: €-23k
2023: €-27k
2024: €178k
2018 → 2025
Working capital
€267k▼ 13.4%
2024 · €308k
2018: €-549k
2019: €-617k
2020: €-543k
2021: €-536k
2022: €-536k
2023: €-528k
2024: €308k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€134k-€111k▼ 17.5%€84k▼ 24.2%€261k▲ 212%€214k▼ 18.1%
Operating result€49k-€-12k€-15k▼ 27.2%€232k€71k▼ 69.3%
Net result€33k-€-23k€-27k▼ 13.8%€178k€61k▼ 65.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 69% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €425k
Fixed assets
€2k ▼ 72.5%
Current assets
€422k ▲ 26.6%
Equity and liabilities €425k
Equity
€214k ▼ 18.1%
Provisions
€54k =
Debt
€156k ▲ 492%
Debt's share of the balance-sheet total rises from 7.7% to 36.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€77k▼
2024 · €241k
Cash flow
€67k▼
2024 · €186k
Current ratio
2.72▼
2024 · 12.99
Debt to equity
0.73▲
2024 · 0.10
ROE
28.4%▼
2024 · 67.9%
ROA
14.3%▼
2024 · 51.9%
Interest coverage
201.78▲
2024 · 33.83
Debt ≤ 1 year
€155k▲
2024 · €26k
Income taxes
€24k▲
2024 · €438
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 · 59 lines
Balance sheet
Code20242025
Assets
Total assets20/58€342k€425k▲
Fixed assets21/28€9k€2k▼
Tangible fixed assets22/27€9k€2k▼
Land and buildings22€2k€2k▼
Furniture and vehicles24€6k€0▼
Current assets29/58€334k€422k▲
Amounts receivable within one year40/41€216k€350k▲
Trade receivables40€37k€43k▲
Other amounts receivable41€180k€307k▲
Current investments50/53€5k€5k=
Cash at bank and in hand54/58€110k€64k▼
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€342k€425k▲
Equity10/15€261k€214k▼
Contributions10/11€19k€19k=
Reserves13€277k€195k▼
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Tax-exempt reserves132€168k€168k=
Distributable reserves133€108k€27k▼
Profit (loss) carried forward14€-34k€0▲
Provisions and deferred taxes16€54k€54k=
Deferred taxes168€54k€54k=
Amounts payable17/49€26k€156k▲
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€26k€155k▲
Current portion of amounts payable after more than one year42€0-
Financial debts43€903€302▼
Credit institutions430/8€903€302▼
Trade debts44€12k€12k▼
Suppliers440/4€12k€12k▼
Taxes, remuneration and social security45€12k€34k▲
Taxes450/3€12k€34k▲
Other amounts payable47/48€1k€110k▲
Accrued charges and deferred income492/3€724€747▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€6k▼
Other operating charges640/8€22k€2k▼
Non-recurring operating charges66A-€381
Gross operating margin9900€263k€79k▼
Operating profit (loss)9901€232k€71k▼
Financial income75/76B€8k€14k▲
Recurring financial income75€8k€14k▲
Financial charges65/66B€7k€603▼
Recurring financial charges65€7k€383▼
Non-recurring financial charges66B-€220
Profit (loss) for the period before taxes9903€232k€84k▼
Transfer to deferred taxes680€54k€0▼
Income taxes67/77€438€24k▲
Profit (loss) for the period9904€178k€61k▼
Transfer to tax-exempt reserves689€163k€0▼
Profit (loss) for the period to be appropriated9905€15k€61k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-36k€27k▲
Profit (loss) brought forward from the previous period14P€-50k€-34k▲
Transfer from equity791/2€2k€108k▲
Transfer to equity691/2-€27k
To other reserves6921-€27k
Profit to be distributed694/7-€108k
Return on contributions (dividend)694-€108k
The notes to these accounts (6 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
21-09
State Gazette act
General meeting · Board composition
Director in office · Power of attorney
11-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 11 days late
2025
22-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
29-01
State Gazette act
General meeting · Merger
Dissolution · Accounting effect
2024
30-09
Financial
Back to profitnet €178k
Net result €178k after 2 loss-making years.
30-09
Financial
Liquidity times 142current ratio 12.99
Current ratio from 0.09 to 12.99; short-term debt falls from €581k to €26k.
30-09
Financial
Equity above €200kEq €261k ▲212%
Equity rises from €84k to €261k.
09-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
18-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
28-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Back to profitnet €93k
Net result €93k after 2 loss-making years.
Show earlier events
30-09
Financial
Equity above €100kEq €101k ▲1089%
Equity rises from €9k to €101k.
30-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
26-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
10-05
State Gazette act
General meeting · Auditor appointment
Director appointment · Permanent representative
25-04
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 acts for this company are 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, Sint-Pieters-Woluwe · 1 establishment unit since 2005
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.
Grootveldlaan 771150 Sint-Pieters-WoluweGround area
876 m²
Building footprint
111 m²
Volume, LiDAR
989 m³
Parcel 21683D0306/00N002, Brussels · tallest building 10.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
TALCO
since 20052.149.945.315
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21683D0306/00N002 | Brussels | 876 m² | 1 · 111 m² | 10.2 m · 3 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.
Structure & network
Ownership & control
1 board mandateBoard mandates of this companythis company sits on their board1
10 locations
Similar companies · same sector, comparable size
MCM Research
BE 0770.832.670
Leuven · Eq €214,021
CREADYN
BE 0440.027.830
Bierbeek · Eq €213,963
Exeltis Belgium
BE 0628.846.248
Brussel · Eq €214,217
UPPERCASE
BE 0462.294.773
Oudergem · Eq €214,605
EDUCATION MANAGEMENT EUROPE
BE 0462.756.118
Mouscron · Eq €215,186
Of 2,713 companies in sector 73200 we hold annual accounts for 1,783. 1,347 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
Founded14-10-2005
Fiscal year end30-09
Activities, NACEBEL 2025
73200Market research and public opinion polling
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:gtalbot@management-cockpit.net
Phone:0477/70 23 96