TALENTO is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €312k and a net result of €69k. Equity is growing by ~21.1% per year across the filed fiscal years. Its solvency ranks better than 23% of 9864 sector peers (fiscal year 2024). The company has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 9864 sector peers (2024).
NBB · sector comparisonPosition among 9864 sector peers
Solvency
better than 23%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-07-2025, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
on the day
2023
on the day
2022
3 d early
2021
27 d early
2020
23 d early
2019
25 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€312k▲ 28.7%
2023 · €242k
2018: €107k
2019: €112k
2020: €112k
2021: €136k
2022: €221k
2023: €242k
2018 → 2024
Net result
€69k▲ 44.0%
2023 · €48k
2018: €28k
2019: €28k
2020: €-77k
2021: €101k
2022: €94k
2023: €48k
2018 → 2024
Total assets
€1.47M▲ 28.4%
2023 · €1.14M
2018: €189k
2019: €240k
2020: €724k
2021: €818k
2022: €1.04M
2023: €1.14M
2018 → 2024
Solvency
21.2%▲ 0.1pp
2023 · 21.2%
2018: 56.7%
2019: 46.7%
2020: 15.5%
2021: 16.6%
2022: 21.3%
2023: 21.2%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€112k-€136k▲ 21.1%€221k▲ 63.3%€242k▲ 9.4%€312k▲ 28.7%
Operating result€-70k-€116k€133k▲ 15.4%€68k▼ 48.9%€91k▲ 33.9%
Net result€-77k-€101k€94k▼ 7.1%€48k▼ 48.5%€69k▲ 44.0%
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 2024; 2024 is 34% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.47M
Fixed assets
€959k▲ 27.0%
Current assets
€509k▲ 31.0%
Equity and liabilities €1.47M
Equity
€312k▲ 28.7%
Debt
€1.16M▲ 28.3%
The debt ratio falls from 78.8% to 78.8%. Equity and debt are higher.
Key figures and ratios
Solvency
21.2%▲
2023 · 21.2%
ROE
22.3%▲
2023 · 19.9%
ROA
4.7%▲
2023 · 4.2%
Debt
€1.16M▲
2023 · €902k
Debt ≤ 1 year
€588k▲
2023 · €458k
Debt > 1 year
€569k▲
2023 · €444k
Income taxes
€32k▲
2023 · €21k
Staff costs
€51k▲
2023 · €20k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€1.14M€1.47M▲
Formation expenses20€0-
Fixed assets21/28€755k€959k▲
Tangible fixed assets22/27€755k€959k▲
Land and buildings22€567k€563k▼
Plant, machinery and equipment23€57k€57k▼
Furniture and vehicles24€111k€75k▼
Other tangible fixed assets26€3k€3k=
Assets under construction and advance payments27€17k€261k▲
Current assets29/58€389k€509k▲
Amounts receivable after more than one year29€220k€220k=
Other amounts receivable291€220k€220k=
Amounts receivable within one year40/41€145k€260k▲
Trade receivables40€197€3k▲
Other amounts receivable41€145k€258k▲
Cash at bank and in hand54/58€11k€8k▼
Deferred charges and accrued income490/1€13k€21k▲
Equity and liabilities
Total equity and liabilities10/49€1.14M€1.47M▲
Equity10/15€242k€312k▲
Contributions10/11€19k€19k=
Reserves13€223k€293k▲
Distributable reserves133€223k€293k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€902k€1.16M▲
Amounts payable after more than one year17€444k€569k▲
Financial debts170/4€444k€569k▲
Amounts payable within one year42/48€458k€588k▲
Current portion of amounts payable after more than one year42€52k€53k▲
Trade debts44€6k€10k▲
Suppliers440/4€6k€10k▲
Advances received on contracts in progress46€301k€422k▲
Taxes, remuneration and social security45€71k€103k▲
Taxes450/3€68k€97k▲
Remuneration and social security454/9€3k€6k▲
Other amounts payable47/48€28k€0▼
Income statement
Code20232024
Remuneration, social security and pensions62€20k€51k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€56k€51k▼
Other operating charges640/8€36k€622▼
Gross operating margin9900€179k€194k▲
Operating profit (loss)9901€68k€91k▲
Financial income75/76B€10k€19k▲
Recurring financial income75€10k€19k▲
Financial charges65/66B€10k€9k▼
Recurring financial charges65€10k€9k▼
Profit (loss) for the period before taxes9903€69k€101k▲
Income taxes67/77€21k€32k▲
Profit (loss) for the period9904€48k€69k▲
Profit (loss) for the period to be appropriated9905€48k€69k▲
Appropriation of the result
Profit (loss) to be appropriated9906€48k€69k▲
Transfer from equity791/2€28k€0▼
Transfer to equity691/2€48k€69k▲
To other reserves6921€48k€69k▲
Profit to be distributed694/7€28k€0▼
Return on contributions (dividend)694€28k€0▼
The notes to these accounts (13 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €200kEq €221k ▲63.3%
2 profitable years in a row build equity to €221k.
04-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €101k
Net result €101k after one loss-making year.
08-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €-77k ▼381%
Net result drops to €-77k, the lowest in the series; recovery starts the following year.
06-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
27-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
26-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
22-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
20-07
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
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, Knokke-Heist · 1 establishment unit since 1998
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.
Morgensterpad 38300 Knokke-HeistGround area
450 m²
Building footprint
119 m²
Volume, LiDAR
921 m³
Parcel 31013C0028/00A002, Flanders · tallest building 10.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
TALENTO
since 19982.085.775.954
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31013C0028/00A002 | Flanders | 450 m² | 1 · 119 m² | 10.6 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.
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,762. 13,777 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-02-1998
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
74151
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:www.talento.be
E-mail:info@talento.be