aTalpa
ActiveaTalpa has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €161k and a net result of €22k. Equity is growing by ~14.6% per year across the filed fiscal years. Its solvency ranks better than 46% of 4410 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
79
/ 100
Excellent▼ -2 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability68▼-1
Solvency59▲+2
Growth78=
Stability100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days acceptable
Liquidity tight (current ratio 1.09 against 1.22 in 2024), and 63.6% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 81
Relative position
BE, all sectors
reference
Sector 81
higher
← 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
36.4%
Return on assets
4.9%
Age of the figures
8 mo
neutral · 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 31-08-2026, 31 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 · 9 filingsDeviation from the deadline
2025
31 d late
2024
3 d early
2023
22 d early
2022
26 d early
2021
22 d late
2020
26 d early
2019
31 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€161k▲ 15.7%
2024 · €139k
2018: €21k
2019: €51k
2020: €104k
2021: €137k
2022: €136k
2023: €120k
2024: €139k
2018 → 2025
Total assets
€441k▲ 4.2%
2024 · €424k
2018: €63k
2019: €296k
2020: €413k
2021: €414k
2022: €383k
2023: €347k
2024: €424k
2018 → 2025
Net result
€22k▲ 14.4%
2024 · €19k
2018: €6k
2019: €30k
2020: €53k
2021: €33k
2022: €-802
2023: €-16k
2024: €19k
2018 → 2025
Working capital
€14k▼ 60.7%
2024 · €36k
2018: €1k
2019: €-135k
2020: €12k
2021: €42k
2022: €38k
2023: €24k
2024: €36k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€137k-€136k▼ 0.6%€120k▼ 11.8%€139k▲ 15.9%€161k▲ 15.7%
Operating result€56k-€5k▼ 91.2%€-13k€30k€36k▲ 21.6%
Net result€33k-€-802€-16k▼ 1,893%€19k€22k▲ 14.4%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 22% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €441k
Fixed assets
€278k▲ 23.3%
Current assets
€163k▼ 17.7%
Equity and liabilities €441k
Equity
€161k▲ 15.7%
Debt
€281k▼ 1.5%
The debt ratio falls from 67.2% to 63.6%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€61k▲
2024 · €49k
Cash flow
€47k▲
2024 · €38k
Solvency
36.4%▲
2024 · 32.8%
Current ratio
1.09▼
2024 · 1.22
Quick ratio
0.44▼
2024 · 0.71
Debt / equity
1.75▼
2024 · 2.05
ROE
13.6%▼
2024 · 13.7%
ROA
4.9%▲
2024 · 4.5%
Interest coverage
18.29▲
2024 · 15.21
Debt
€281k▼
2024 · €285k
Debt ≤ 1 year
€149k▼
2024 · €163k
Debt > 1 year
€131k▲
2024 · €122k
Income taxes
€11k▲
2024 · €8k
Staff costs
€31k▼
2024 · €32k
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
Assets
Total assets20/58€424k€441k▲
Fixed assets21/28€226k€278k▲
Intangible fixed assets21€39k€31k▼
Tangible fixed assets22/27€187k€247k▲
Land and buildings22€176k€171k▼
Plant, machinery and equipment23€7k€2k▼
Furniture and vehicles24€4k€74k▲
Current assets29/58€198k€163k▼
Stocks and contracts in progress3€82k€98k▲
Stocks30/36€36k€34k▼
Contracts in progress37€46k€64k▲
Amounts receivable within one year40/41€102k€41k▼
Trade receivables40€80k€29k▼
Other amounts receivable41€22k€12k▼
Cash at bank and in hand54/58€14k€23k▲
Deferred charges and accrued income490/1€360€1k▲
Equity and liabilities
Total equity and liabilities10/49€424k€441k▲
Equity10/15€139k€161k▲
Contributions10/11€16k€16k=
Reserves13€123k€145k▲
Distributable reserves133€123k€145k▲
Amounts payable17/49€285k€281k▼
Amounts payable after more than one year17€122k€131k▲
Financial debts170/4€122k€131k▲
Amounts payable within one year42/48€163k€149k▼
Current portion of amounts payable after more than one year42€11k€17k▲
Trade debts44€56k€17k▼
Suppliers440/4€56k€17k▼
Taxes, remuneration and social security45€11k€19k▲
Taxes450/3€8k€19k▲
Remuneration and social security454/9€2k-
Other amounts payable47/48€85k€97k▲
Accrued charges and deferred income492/3-€216
Income statement
Code20242025
Remuneration, social security and pensions62€32k€31k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€25k▲
Other operating charges640/8€3k€2k▼
Gross operating margin9900€84k€95k▲
Operating profit (loss)9901€30k€36k▲
Financial income75/76B€20€112▲
Recurring financial income75€20€112▲
Financial charges65/66B€3k€3k▲
Recurring financial charges65€3k€3k▲
Profit (loss) for the period before taxes9903€27k€33k▲
Income taxes67/77€8k€11k▲
Profit (loss) for the period9904€19k€22k▲
Profit (loss) for the period to be appropriated9905€19k€22k▲
Appropriation of the result
Profit (loss) to be appropriated9906€2k€22k▲
Profit (loss) brought forward from the previous period14P€-17k-
Transfer to equity691/2€2k€22k▲
To other reserves6921€2k€22k▲
The notes to these accounts (11 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Equity above €150kEq €161k ▲15.7%
2 profitable years in a row build equity to €161k.
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €19k
Net result €19k after 2 loss-making years.
09-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-16k
Net result drops to €-16k, the lowest in the series; recovery starts the following year.
05-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
22-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 22 days late
2021
05-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Highest result since 2018net €53k ▲77.3%
Operating result €69k, net result €53k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 1.10
Current ratio from 0.32 to 1.10; short-term debt falls from €198k to €112k.
31-12
Financial
Equity above €100kEq €104k ▲104%
3 profitable years in a row build equity to €104k.
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
05-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
08-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 8 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Balen · 2 establishment units since 2017
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.
Schansstraat 172490 BalenGround area
4,965 m²
Building footprint
2,041 m²
Volume, LiDAR
8,550 m³
2 parcels, Flanders · tallest building 16.3 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
aTalpa
since 20172.262.854.701
aTalpa
since 20212.318.813.209
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71034A3504/00B000 | Flanders | 4,436 m² | 1 · 1,957 m² | 16.3 m · 1 fl. |
| 13003D0048/00M002 | Flanders | 528 m² | 1 · 84 m² | 9.6 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2023 to 2025 · 3 entries · 561 EUR awarded · 895 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 113 EUR | 113 EUR |
| 2024 | 1 | 267 EUR | 601 EUR |
| 2023 | 1 | 181 EUR | 181 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 21,156 companies in sector 81300 we hold annual accounts for 4,345. 3,505 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-03-2017
Fiscal year end31-12
Activities, NACEBEL
81300Landscape service activities
01700Crop and animal production, hunting and related service activities
02100Forestry and logging
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.