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AB TALKS

Active
Private limited companyfounded 20242 yrs activeLuikersteenweg 245, 3500 Hasselt, BelgiumKBO/BCE: BE 1013.232.702
Summary

AB TALKS has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €49,469 and a net result of €46,469. Its solvency ranks better than 72% of 3494 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).

Checked score

Score 2025
Axes
Profitability100
Solvency97
Growth-
Track record67
Bankruptcy probability, 12 months
0.7% Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4,000 at 30 days acceptable
Liquidity ample (current ratio 2.5; short-term debt: 28.3% and cash: 51.3% of total assets), and 28.3% of the assets are financed with debt.
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Signals

Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 2 years 0 10 y
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 74
Relative position
BE, all sectors
reference
Other professional, scientific and technical activities (NACE 74)
about 48% fewer bankruptcies
← 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 2025
Solvency, return and age of the figures
Solvency
71.7%
Return on assets
67.4%
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 27-07-2026, 4 days ahead of the deadline.
NBB · 1 filing
Deviation from the deadline
2025
4 d early
← before the deadline after the deadline →
Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

AB TALKS was incorporated on 5 September 2024 as a Private limited company.1 The company has filed annual accounts once, for fiscal year 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2025

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Financials · fiscal year 2025, micro schema

Equity
€49,469
Total assets
€68,988
Net result
€46,469
Working capital
€29,344

Turnover and EBIT margin not published: the micro schema does not require them.

Balance-sheet composition
Assets €68,988
Fixed assets €20,125
Current assets €48,863
Equity and liabilities €68,988
Equity €49,469
Debt €19,519
Debt finances 28.3% of the balance-sheet total.
Key figures and ratios
2025 value
EBITDA
€74,304
Cash flow
€60,852
Current ratio
2.50
Debt to equity
0.39
ROE
93.9%
ROA
67.4%
Interest coverage
553.56
Debt ≤ 1 year
€19,519
Income taxes
€13,317
Staff costs
€1,658

Peer companies

Historical observation

Of the 39,275 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 96% are still going.

  • Micro
  • 2 to 5 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more
1.6% went bankrupt
2.2% stopped otherwise
96% still going

A further 0.4% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 0.7% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.6%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 39,275 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 · 36 lines
Balance sheet Code2025
Assets
Total assets20/58€68,988
Fixed assets21/28€20,125
Tangible fixed assets22/27€20,125
Plant, machinery and equipment23€1,060
Furniture and vehicles24€19,065
Current assets29/58€48,863
Amounts receivable within one year40/41€12,230
Trade receivables40€12,230
Cash at bank and in hand54/58€35,390
Deferred charges and accrued income490/1€1,243
Equity and liabilities
Total equity and liabilities10/49€68,988
Equity10/15€49,469
Contributions10/11€3,000
Reserves13€46,469
Distributable reserves133€46,469
Amounts payable17/49€19,519
Amounts payable within one year42/48€19,519
Trade debts44€2,764
Suppliers440/4€2,764
Taxes, remuneration and social security45€16,755
Taxes450/3€15,084
Remuneration and social security454/9€1,672
Income statement Code2025
Remuneration, social security and pensions62€1,658
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14,384
Other operating charges640/8€62
Gross operating margin9900€76,024
Operating profit (loss)9901€59,921
Financial charges65/66B€134
Recurring financial charges65€134
Profit (loss) for the period before taxes9903€59,786
Income taxes67/77€13,317
Profit (loss) for the period9904€46,469
Profit (loss) for the period to be appropriated9905€46,469
Appropriation of the result
Profit (loss) to be appropriated9906€46,469
Transfer to equity691/2€46,469
To other reserves6921€46,469

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2025
Remuneration, social security and pensions62€1,658
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14,384
Other operating charges640/8€62
Gross operating margin9900€76,024
Operating profit (loss)9901€59,921
Financial charges65/66B€134
Recurring financial charges65€134
Profit (loss) for the period before taxes9903€59,786
Income taxes67/77€13,317
Profit (loss) for the period9904€46,469
Profit (loss) for the period to be appropriated9905€46,469
Line2025
Assets
Total assets20/58€68,988
Fixed assets21/28€20,125
Tangible fixed assets22/27€20,125
Plant, machinery and equipment23€1,060
Furniture and vehicles24€19,065
Current assets29/58€48,863
Amounts receivable within one year40/41€12,230
Trade receivables40€12,230
Cash at bank and in hand54/58€35,390
Deferred charges and accrued income490/1€1,243
Equity and liabilities
Total equity and liabilities10/49€68,988
Equity10/15€49,469
Contributions10/11€3,000
Reserves13€46,469
Distributable reserves133€46,469
Amounts payable17/49€19,519
Amounts payable within one year42/48€19,519
Trade debts44€2,764
Suppliers440/4€2,764
Taxes, remuneration and social security45€16,755
Taxes450/3€15,084
Remuneration and social security454/9€1,672
Line2025
Profit (loss) for the period9904€46,469
+ Depreciation and write-downs630€14,384
Operating cash flow (approximation)€60,852

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2026
27-07
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
NBB filing
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

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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, Hasselt · 1 establishment unit since 2024
seat establishment The establishment unit on the map
Ground area
642 m²
Building footprint
98 m²
Volume, LiDAR
679 m³
Parcel 71324E0560/00E000, Flanders · tallest building 9.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
AB TALKS
Luikersteenweg 245, 3500 HasseltOther professional, scientific and technical activities
since 20242.363.535.751
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
71324E0560/00E000 Flanders 642 m² 1 · 98 m² 9.6 m · 2 fl.
Linked by address, not proof of ownership
Good to know
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

Of 4,526 companies in sector 74301 we hold annual accounts for 720. 609 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded05-09-2024
Fiscal year end31-12
Activities, NACEBEL 2025
74301Translation services
E-invoicing
Reachable via Peppol
Peppol ID 0208:1013232702
Registered 08-10-2024

Register as of 26 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.