TALOVI
ActiveSummary
TALOVI has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.24M and a net result of €32k. Equity remains stable across the filed fiscal years (±0.8% per year). Its solvency ranks better than 95% of 14079 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
85
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability44▼-3
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €100k at 30 days acceptable
short-term debt: 0.2% and cash: 63.4% of total assets, and 0.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 68
Relative position
BE, all sectors
reference
Sector 68
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
99.8%
Return on assets
2.6%
Age of the figures
15 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
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 10-02-2026, 10 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
10 d late
2024
7 d late
2023
28 d early
2022
21 d early
2021
39 d early
2020
17 d early
2019
43 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 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€1.24M▲ 2.6%
2024 · €1.20M
2019: €1.16M
2020: €1.15M
2021: €1.15M
2022: €1.15M
2023: €1.16M
2024: €1.20M
2019 → 2025
Total assets
€1.24M▲ 2.6%
2024 · €1.21M
2019: €1.42M
2020: €1.16M
2021: €1.15M
2022: €1.18M
2023: €1.16M
2024: €1.21M
2019 → 2025
Net result
€32k▼ 28.3%
2024 · €44k
2019: €-146k
2020: €-2k
2021: €-4k
2022: €2k
2023: €9k
2024: €44k
2019 → 2025
Working capital
€1.24M▲ 2.6%
2024 · €1.20M
2019: €1.15M
2020: €1.15M
2021: €1.15M
2022: €1.15M
2023: €1.16M
2024: €1.20M
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.15M-€1.15M▲ 0.2%€1.16M▲ 0.8%€1.20M▲ 3.8%€1.24M▲ 2.6%
Operating result€-4k-€-3k▲ 27.7%€-4k▼ 12.7%€-5k▼ 31.0%€-4k▲ 21.1%
Net result€-4k-€2k€9k▲ 264%€44k▲ 407%€32k▼ 28.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €4k in 2025 against €5k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €1.24M
Equity
€1.24M ▲ 2.6%
Debt
€3k ▲ 0.6%
Debt's share of the balance-sheet total stays at 0.2%.
Key figures and ratios
Debt to equity
0.00▼
2024 · 0.00
ROE
2.6%▼
2024 · 3.7%
ROA
2.6%▼
2024 · 3.7%
Debt ≤ 1 year
€3k▲
2024 · €3k
A ratio outside any meaningful range has been withheld (balance sheet total €1.24M, equity €1.24M).
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 · 36 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.21M€1.24M▲
Current assets29/58€1.21M€1.24M▲
Stocks and contracts in progress3€121k€131k▲
Stocks30/36€121k€131k▲
Amounts receivable within one year40/41€290k€323k▲
Trade receivables40€0-
Other amounts receivable41€290k€323k▲
Cash at bank and in hand54/58€763k€786k▲
Deferred charges and accrued income490/1€33k€0▼
Equity and liabilities
Total equity and liabilities10/49€1.21M€1.24M▲
Equity10/15€1.20M€1.24M▲
Contributions10/11€1.01M€1.01M=
Reserves13€100k€200k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€100k€200k▲
Profit (loss) carried forward14€95k€26k▼
Amounts payable17/49€3k€3k▲
Amounts payable within one year42/48€3k€3k▲
Trade debts44€208€225▲
Suppliers440/4€208€225▲
Other amounts payable47/48€3k€3k=
Income statement
Code20242025
Other operating charges640/8€1k€1k▲
Gross operating margin9900€-4k€-3k▲
Operating profit (loss)9901€-5k€-4k▲
Financial income75/76B€49k€36k▼
Recurring financial income75€49k€36k▼
Financial charges65/66B€266€296▲
Recurring financial charges65€266€296▲
Profit (loss) for the period before taxes9903€44k€32k▼
Profit (loss) for the period9904€44k€32k▼
Profit (loss) for the period to be appropriated9905€44k€32k▼
Appropriation of the result
Profit (loss) to be appropriated9906€144k€126k▼
Profit (loss) brought forward from the previous period14P€100k€95k▼
Transfer to equity691/2€50k€100k▲
To other reserves6921€50k€100k▲
The notes to these accounts (1 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
10-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 10 days late
2025
07-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 7 days late
2024
30-06
Financial
Highest result since 2019net €44k ▲407%
Net result €44k, the highest in the series.
03-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Liquidity times 11current ratio 415.07
Current ratio from 39.20 to 415.07; short-term debt falls from €30k to €3k.
10-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Back to profitnet €2k
Net result €2k after 3 loss-making years.
2021
23-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
14-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
Financial
Liquidity times 85current ratio 456.81
Current ratio from 5.37 to 456.81; short-term debt falls from €264k to €3k.
2019
19-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
14-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
24-11
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
16-11
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
Directors
2 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, Knokke-Heist · 1 establishment unit since 2011
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.
Hollandspad 28300 Knokke-HeistGround area
1,005 m²
Building footprint
183 m²
Volume, LiDAR
1,080 m³
Parcel 31332E0472/00A000, Flanders · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Talovi
since 20112.199.794.110
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31332E0472/00A000 | Flanders | 1,004 m² | 1 · 183 m² | 9.2 m · 2 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.
Similar companies · same sector, comparable size
HOUTPARK
BE 0842.301.874
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Möbius Construct
BE 0681.630.183
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ZUIDBURG
BE 0879.518.992
Nieuwpoort · Eq €1,235,591
J.P.M. EUROPE
BE 0464.313.561
Ukkel · Eq €1,236,897
TILLINVEST
BE 0682.793.985
Deinze · Eq €1,234,810
Of 9,694 companies in sector 68121 we hold annual accounts for 7,383. 3,641 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
Founded12-05-2011
Fiscal year end30-06
Activities, NACEBEL 2025
68121Development of residential building projects
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.