e-TALENTIA
Activee-TALENTIA has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €63k and a net result of €57k. Equity is growing by ~36.2% per year across the filed fiscal years. Its solvency ranks better than 70% of 786 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
87
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency96▼-4
Growth78=
Track record94
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 3.53 against 6.67 in 2024; short-term debt: 23% and cash: 55.7% of total assets), and 28.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
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
71.2%
Return on assets
64.6%
Age of the figures
12 mo
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 78
Relative position
BE, all sectors
reference
Sector 78
lower
← fewer bankruptcies
more bankruptcies →
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 23-04-2026, 7 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
7 d early
2024
111 d early
2023
36 d early
2022
34 d early
← before the deadline
after the deadline →
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
19-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€0
2024 · €0
2024: €0
2024 → 2025
Total assets
€88k▼ 36.2%
2024 · €138k
2022: €64k
2023: €92k
2024: €138k
2022 → 2025
Net result
€57k▲ 24.6%
2024 · €46k
2022: €40k
2023: €29k
2024: €46k
2022 → 2025
Working capital
€51k▼ 55.3%
2024 · €115k
2022: €44k
2023: €70k
2024: €115k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Turnover€0€0
Equity€43k-€72k▲ 68.3%€118k▲ 63.3%€63k▼ 46.8%
Operating result€51k-€37k▼ 26.9%€58k▲ 55.3%€72k▲ 25.2%
Net result€40k-€29k▼ 27.5%€46k▲ 56.1%€57k▲ 24.6%
Turnover and EBIT margin not published: the 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 25% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €88k
Fixed assets
€17k▲ 466%
Current assets
€71k▼ 47.1%
Equity and liabilities €88k
Equity
€63k▼ 46.8%
Debt
€25k▲ 25.2%
The debt ratio rises from 14.7% to 28.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€77k▲
2024 · €59k
Cash flow
€62k▲
2024 · €47k
Solvency
71.2%▼
2024 · 85.3%
Current ratio
3.53▼
2024 · 6.67
Quick ratio
3.53▼
2024 · 6.67
Debt / equity
0.40▲
2024 · 0.17
ROE
90.8%▲
2024 · 38.8%
ROA
64.6%▲
2024 · 33.1%
Interest coverage
168.01▼
2024 · 494.88
Debt
€25k▲
2024 · €20k
Debt ≤ 1 year
€20k▼
2024 · €20k
Debt > 1 year
€5k
Income taxes
€16k▲
2024 · €12k
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€138k€88k▼
Fixed assets21/28€3k€17k▲
Tangible fixed assets22/27€3k€17k▲
Land and buildings22€1k€1k▼
Furniture and vehicles24€1k€15k▲
Current assets29/58€135k€71k▼
Amounts receivable within one year40/41€18k€22k▲
Trade receivables40€16k€16k▲
Other amounts receivable41€3k€6k▲
Cash at bank and in hand54/58€117k€49k▼
Deferred charges and accrued income490/1€0€0=
Equity and liabilities
Total equity and liabilities10/49€138k€88k▼
Equity10/15€118k€63k▼
Contributions10/11€3k€3k=
Profit (loss) carried forward14€115k€60k▼
Amounts payable17/49€20k€25k▲
Amounts payable after more than one year17-€5k
Financial debts170/4-€5k
Amounts payable within one year42/48€20k€20k▼
Current portion of amounts payable after more than one year42-€4k
Trade debts44€111€530▲
Suppliers440/4€111€530▲
Taxes, remuneration and social security45€20k€15k▼
Taxes450/3€20k€15k▼
Remuneration and social security454/9€0-
Other amounts payable47/48€0€0=
Accrued charges and deferred income492/3€0€291▲
Income statement
Code20242025
Turnover70€0€0=
Goods, raw materials, services and sundry goods60/61€0€0=
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€5k▲
Other operating charges640/8-€282
Gross operating margin9900€59k€77k▲
Operating profit (loss)9901€58k€72k▲
Financial income75/76B€95€349▲
Recurring financial income75€95€349▲
Financial charges65/66B€119€460▲
Recurring financial charges65€119€460▲
Profit (loss) for the period before taxes9903€58k€72k▲
Income taxes67/77€12k€16k▲
Profit (loss) for the period9904€46k€57k▲
Profit (loss) for the period to be appropriated9905€46k€57k▲
Appropriation of the result
Profit (loss) to be appropriated9906€115k€172k▲
Profit (loss) brought forward from the previous period14P€69k€115k▲
Profit to be distributed694/7-€112k
Return on contributions (dividend)694-€112k
The notes to these accounts (7 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
23-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Highest result since 2022net €57k ▲24.6%
Operating result €72k, net result €57k, both a record.
09-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Equity above €100kEq €118k ▲63.3%
3 profitable years in a row build equity to €118k.
25-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Weakest financial yearnet €29k ▼27.5%
Net result drops to €29k, the lowest in the series; recovery starts the following year.
27-03
NBB filing
Annual accounts filed
fiscal year 2022 · 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, Havelange · 1 establishment unit since 2021
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.
Rue du Tige(J) 8B5370 HavelangeGround area
989 m²
Building footprint
85 m²
Parcel 91076B0215/00F004, Wallonia. Linked by address, not a title deed.
1 establishment unit
e-TALENTIA
since 20212.324.466.824
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 91076B0215/00F004 | Wallonia | 989 m² | 1 · 85 m² | - |
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.
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Your Future Solutions
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Of 2,362 companies in sector 78100 we hold annual accounts for 1,365. 1,076 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-11-2021
Fiscal year end30-09
Activities, NACEBEL
78100Employment placement agencies
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73300Public relations and communication consultancy
82300Organisation of conventions and trade shows
82990Other business support services
85592Vocational training
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.