TalentMind
ActiveTalentMind has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €226k and a net result of €53k. Equity is growing by ~22.7% per year across the filed fiscal years. Its solvency ranks better than 89% of 31642 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
97
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability96▲+8
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €21k at 30 days acceptable
Liquidity ample (current ratio 10.78 against 12.73 in 2024; short-term debt: 9.1% and cash: 88.3% of total assets), and 9.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
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
90.9%
Return on assets
21.5%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 11-06-2026, 50 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
50 d early
2024
27 d early
2023
36 d early
2022
40 d early
2021
41 d early
2020
46 d early
2019
38 d early
← before the deadline
after the deadline →
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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€178k
EBIT margin
24.3%
Net result
€53k▲ 31.1%
2024 · €41k
2018: €23k
2019: €25k
2020: €30k
2021: €27k
2022: €61k
2023: €55k
2024: €41k
2018 → 2025
Working capital
€221k▼ 8.1%
2024 · €240k
2018: €29k
2019: €49k
2020: €81k
2021: €107k
2022: €165k
2023: €219k
2024: €240k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€114k-€176k▲ 53.7%€230k▲ 31.1%€248k▲ 7.6%€226k▼ 8.9%
Operating result€39k-€88k▲ 127%€77k▼ 11.8%€61k▼ 21.4%€77k▲ 26.5%
Net result€27k-€61k▲ 130%€55k▼ 11.0%€41k▼ 25.3%€53k▲ 31.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 27% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €248k
Fixed assets
€5k▼ 32.5%
Current assets
€243k▼ 6.7%
Equity and liabilities €248k
Equity
€226k▼ 8.9%
Debt
€23k▲ 10.2%
The debt ratio rises from 7.6% to 9.1%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€80k▲
2024 · €64k
Cash flow
€57k▲
2024 · €44k
Solvency
90.9%▼
2024 · 92.4%
Current ratio
10.78▼
2024 · 12.73
Quick ratio
10.78▼
2024 · 12.73
Debt / equity
0.10▲
2024 · 0.08
ROE
23.7%▲
2024 · 16.5%
ROA
21.5%▲
2024 · 15.2%
Interest coverage
30.28▲
2024 · 17.59
Debt
€23k▲
2024 · €20k
Debt ≤ 1 year
€23k▲
2024 · €20k
Income taxes
€21k▲
2024 · €16k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€268k€248k▼
Fixed assets21/28€8k€5k▼
Tangible fixed assets22/27€8k€5k▼
Plant, machinery and equipment23€830€757▼
Furniture and vehicles24€7k€4k▼
Current assets29/58€261k€243k▼
Amounts receivable within one year40/41€41k€21k▼
Trade receivables40€41k€21k▼
Cash at bank and in hand54/58€213k€219k▲
Deferred charges and accrued income490/1€7k€3k▼
Equity and liabilities
Total equity and liabilities10/49€268k€248k▼
Equity10/15€248k€226k▼
Contributions10/11€9k€9k=
Reserves13€232k€217k▼
Distributable reserves133€232k€217k▼
Profit (loss) carried forward14€7k-
Amounts payable17/49€20k€23k▲
Amounts payable within one year42/48€20k€23k▲
Trade debts44€1k€1k▲
Suppliers440/4€1k€1k▲
Taxes, remuneration and social security45€19k€21k▲
Taxes450/3€19k€21k▲
Other amounts payable47/48€510€424▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€4k▲
Other operating charges640/8€663€839▲
Gross operating margin9900€65k€81k▲
Operating profit (loss)9901€61k€77k▲
Financial income75/76B€1€393▲
Recurring financial income75€1€393▲
Financial charges65/66B€4k€3k▼
Recurring financial charges65€4k€3k▼
Profit (loss) for the period before taxes9903€57k€75k▲
Income taxes67/77€16k€21k▲
Profit (loss) for the period9904€41k€53k▲
Profit (loss) for the period to be appropriated9905€41k€53k▲
Appropriation of the result
Profit (loss) to be appropriated9906€54k€61k▲
Profit (loss) brought forward from the previous period14P€14k€7k▼
Transfer from equity791/2€17k€76k▲
Transfer to equity691/2€41k€61k▲
To other reserves6921€41k€61k▲
Profit to be distributed694/7€23k€76k▲
Return on contributions (dividend)694€23k€76k▲
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
11-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
04-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
25-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €200kEq €230k ▲31.1%
6 profitable years in a row build equity to €230k.
21-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €61k ▲130%
Operating result €88k, net result €61k, both a record.
31-12
Financial
Equity above €150kEq €176k ▲53.7%
5 profitable years in a row build equity to €176k.
20-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €100kEq €114k ▲30.4%
4 profitable years in a row build equity to €114k.
15-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
23-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
26-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Temse · 1 establishment unit since 2018
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.
Schuttershof 439140 TemseGround area
355 m²
Building footprint
125 m²
Volume, LiDAR
542 m³
Parcel 46008A1371/00C002, Flanders · tallest building 7.8 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Schuttershof 43, 9140 Temse
since 20182.271.204.322
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46008A1371/00C002 | Flanders | 355 m² | 1 · 125 m² | 7.8 m · 1 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.
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Of 82,570 companies in sector 70200 we hold annual accounts for 52,573. 39,328 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-01-2018
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74909Other professional, scientific and technical activities
74999Other professional, scientific and technical activities
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.