Talopex
ActiveTalopex has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €820k and a net result of €88k. Equity is growing by ~6.4% per year across the filed fiscal years. Its solvency ranks better than 94% of 12402 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
100
/ 100
Excellent▲ +14 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability54▲+4
Solvency100=
Growth52=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €80k at 30 days acceptable
Liquidity ample (current ratio 54.68 against 44.8 in 2024), and 5.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
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
94.1%
Return on assets
10.1%
Age of the figures
8 mo
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
raises risk · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 07-08-2026, 7 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
7 d late
2024
on the day
2023
2 d early
2022
2 d early
2021
54 d late
2020
1 d early
2019
4 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
05-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€820k▲ 9.8%
2024 · €746k
2021: €624k
2022: €660k
2023: €701k
2024: €746k
2021 → 2025
Total assets
€871k▲ 13.6%
2024 · €767k
2021: €700k
2022: €758k
2023: €797k
2024: €767k
2021 → 2025
Net result
€88k▲ 18.2%
2024 · €75k
2021: €107k
2022: €45k
2023: €81k
2024: €75k
2021 → 2025
Working capital
€843k▲ 16.2%
2024 · €726k
2021: €597k
2022: €655k
2023: €707k
2024: €726k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€624k-€660k▲ 5.7%€701k▲ 6.3%€746k▲ 6.4%€820k▲ 9.8%
Operating result€138k-€79k▼ 42.6%€110k▲ 38.9%€100k▼ 8.8%€97k▼ 2.9%
Net result€107k-€45k▼ 57.7%€81k▲ 78.7%€75k▼ 7.7%€88k▲ 18.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 3% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €871k
Fixed assets
€13k▼ 49.6%
Current assets
€859k▲ 15.7%
Equity and liabilities €871k
Equity
€820k▲ 9.8%
Debt
€52k▲ 145%
The debt ratio rises from 2.7% to 5.9%: debt grows faster than equity.
Key figures and ratios
EBITDA
€109k▼
2024 · €113k
Cash flow
€101k▲
2024 · €88k
Solvency
94.1%▼
2024 · 97.3%
Current ratio
54.68▲
2024 · 44.80
Quick ratio
54.68▲
2024 · 44.80
Debt / equity
0.06▲
2024 · 0.03
ROE
10.8%▲
2024 · 10.0%
ROA
10.1%▲
2024 · 9.7%
Interest coverage
206.16▲
2024 · 119.48
Debt
€52k▲
2024 · €21k
Debt ≤ 1 year
€16k▼
2024 · €17k
Income taxes
€12k▼
2024 · €31k
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
Total assets
20/58€767k€871k▲
Fixed assets
21/28€25k€13k▼
Tangible fixed assets
22/27€25k€12k▼
Financial fixed assets
28€210€210=
Current assets
29/58€742k€859k▲
Amounts receivable within one year
40/41€130k€146k▲
Investments
50/53€555k€535k▼
Cash & bank
54/58€54k€174k▲
Total equity & liabilities
10/49€767k€871k▲
Equity
10/15€746k€820k▲
Contributions / capital
10/11€14k€14k=
Reserves
13€406k€479k▲
Accumulated profits (losses)
14€326k€326k=
Amounts payable
17/49€21k€52k▲
Amounts payable within one year
42/48€17k€16k▼
Trade debts payable within one year
44€3k€1k▼
Income statement
Code20242025
Gross operating margin
9900€109k€114k▲
Operating result
9901€100k€97k▼
Financial income
75€7k€3k▼
Financial charges
65€946€531▼
Result before taxes
9903€106k€100k▼
Income taxes
67/77€31k€12k▼
Net result for the period
9904€75k€88k▲
Result to be appropriated
9905€75k€88k▲
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
07-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 7 days late
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity triplescurrent ratio 44.80
Current ratio from 14.55 to 44.80; short-term debt falls from €52k to €17k.
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
29-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €45k ▼57.7%
Net result drops to €45k, the lowest in the series; recovery starts the following year.
23-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 54 days late
2021
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
27-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
18-09
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 49 days late
2018
11-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
18-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Comparable companies · same sector, comparable size
Similar companies · same sector, comparable size
De Decker Tanja
BE 0826.117.821
Berlare · Eq €820k
AVISEM
BE 0661.658.081
Lint · Eq €820k
ARX NUMERIS
BE 0461.631.017
Braine-l'Alleud · Eq €819k
AB COUNT
BE 0830.518.849
Gent · Eq €819k
LAVERGE-DERYCKERE
BE 0835.580.071
Kuurne · Eq €819k
Of 12,122 companies in sector 69201 we hold annual accounts for 7,543. 4,753 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-07-2009
Fiscal year end31-12
Activities, NACEBEL
69201Certified accountants and tax accountants
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 17-07-2026. Scores and ratios are computed by Checked and are not a credit decision.