Talia Geraardsbergen
ActiveSummary
The computed 12-month bankruptcy probability of Talia Geraardsbergen is 3.5% (moderate). The 2025 annual accounts show equity of €248k and a net result of €-35k. Equity is growing by ~40.2% per year across the filed fiscal years. Its solvency ranks better than 79% of 13305 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
52
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability7▼-86
Solvency90▼-2
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
3.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity ample (current ratio 2.91 against 2.92 in 2024; short-term debt: 31.2% and cash: 54.7% of total assets), and 35% of the assets are financed with debt.
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
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
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 22-04-2026, 8 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
8 d early
2024
5 d late
2023
1 d early
2022
54 d early
2021
26 d early
2020
28 d early
← 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
€248k▼ 12.4%
2024 · €282k
2020: €66k
2021: €86k
2022: €120k
2023: €200k
2024: €282k
2020 → 2025
Total assets
€381k▼ 9.6%
2024 · €421k
2020: €98k
2021: €115k
2022: €184k
2023: €292k
2024: €421k
2020 → 2025
Net result
€-35k
2024 · €83k
2020: €41k
2021: €20k
2022: €34k
2023: €80k
2024: €83k
2020 → 2025
Working capital
€226k▼ 7.5%
2024 · €245k
2020: €23k
2021: €44k
2022: €57k
2023: €148k
2024: €245k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€86k-€120k▲ 40.2%€200k▲ 66.3%€282k▲ 41.6%€248k▼ 12.4%
Operating result€31k-€54k▲ 75.8%€112k▲ 108%€114k▲ 2.4%€-34k
Net result€20k-€34k▲ 74.7%€80k▲ 131%€83k▲ 4.3%€-35k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €34k after €114k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €381k
Fixed assets
€36k ▼ 27.0%
Current assets
€345k ▼ 7.3%
Equity and liabilities €381k
Equity
€248k ▼ 12.4%
Debt
€133k ▼ 3.9%
Debt's share of the balance-sheet total rises from 32.9% to 35.0%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-18k▼
2024 · €135k
Cash flow
€-19k▼
2024 · €104k
Current ratio
2.91▼
2024 · 2.92
Quick ratio
2.86▼
2024 · 2.89
Debt to equity
0.54▲
2024 · 0.49
ROE
-14.1%▼
2024 · 29.4%
ROA
-9.2%▼
2024 · 19.7%
Interest coverage
-5.04▼
2024 · 31.10
Debt ≤ 1 year
€119k▼
2024 · €128k
Debt > 1 year
€14k▲
2024 · €11k
Income taxes
€228▼
2024 · €38k
Staff costs
€169k▲
2024 · €139k
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 · 50 lines
Balance sheet
Code20242025
Assets
Total assets20/58€421k€381k▼
Fixed assets21/28€49k€36k▼
Tangible fixed assets22/27€49k€36k▼
Plant, machinery and equipment23€7k€3k▼
Furniture and vehicles24€2k€2k▲
Leasing and similar rights25€16k€10k▼
Other tangible fixed assets26€24k€20k▼
Current assets29/58€373k€345k▼
Stocks and contracts in progress3€4k€6k▲
Stocks30/36€4k€6k▲
Amounts receivable within one year40/41€153k€131k▼
Trade receivables40€135k€7k▼
Other amounts receivable41€18k€124k▲
Cash at bank and in hand54/58€212k€209k▼
Deferred charges and accrued income490/1€4k€0▼
Equity and liabilities
Total equity and liabilities10/49€421k€381k▼
Equity10/15€282k€248k▼
Contributions10/11€25k€25k=
Reserves13€257k€257k=
Distributable reserves133€257k€257k=
Profit (loss) carried forward14-€-35k
Amounts payable17/49€139k€133k▼
Amounts payable after more than one year17€11k€14k▲
Financial debts170/4€11k€4k▼
Other amounts payable178/9-€10k
Amounts payable within one year42/48€128k€119k▼
Current portion of amounts payable after more than one year42€6k€12k▲
Trade debts44€51k€47k▼
Suppliers440/4€51k€47k▼
Taxes, remuneration and social security45€70k€60k▼
Taxes450/3€54k€32k▼
Remuneration and social security454/9€17k€28k▲
Accrued charges and deferred income492/3€650€0▼
Income statement
Code20242025
Remuneration, social security and pensions62€139k€169k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€16k▼
Other operating charges640/8€7k€4k▼
Non-recurring operating charges66A€0-
Gross operating margin9900€281k€156k▼
Operating profit (loss)9901€114k€-34k▼
Financial income75/76B€11k€3k▼
Recurring financial income75€11k€3k▼
Financial charges65/66B€4k€4k▼
Recurring financial charges65€4k€4k▼
Profit (loss) for the period before taxes9903€121k€-35k▼
Income taxes67/77€38k€228▼
Profit (loss) for the period9904€83k€-35k▼
Profit (loss) for the period to be appropriated9905€83k€-35k▼
Appropriation of the result
Profit (loss) to be appropriated9906€83k€-35k▼
Transfer to equity691/2€83k€0▼
To other reserves6921€83k€0▼
The notes to these accounts (8 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
22-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Weakest financial yearnet €-35k ▼142%
Net result drops to €-35k, the lowest in the series.
05-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 5 days late
2024
30-09
Financial
Highest result since 2020net €83k ▲4.3%
Operating result €114k, net result €83k, both a record.
30-09
Financial
Equity above €200kEq €282k ▲41.6%
5 profitable years in a row build equity to €282k.
29-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Equity above €150kEq €200k ▲66.3%
4 profitable years in a row build equity to €200k.
07-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Equity above €100kEq €120k ▲40.2%
3 profitable years in a row build equity to €120k.
04-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
02-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro 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, Geraardsbergen · 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.
Grotestraat 419500 GeraardsbergenGround area
218 m²
Building footprint
87 m²
Volume, LiDAR
979 m³
Parcel 41018A0422/00N000, Flanders · tallest building 14.1 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Talia Geraardsbergen
since 20192.293.895.293
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41018A0422/00N000 | Flanders | 218 m² | 1 · 87 m² | 14.1 m · 4 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Recognitions · licences · registrations
Food safety, FASFC
1 siteGeraardsbergen2.293.895.293
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Of 21,888 companies in sector 56112 we hold annual accounts for 9,780. 6,211 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
Founded26-09-2019
Fiscal year end30-09
Activities, NACEBEL 2025
56112Limited-service restaurants, excluding mobile food services
10850Manufacture of food products
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.