ETALKING
ActiveSummary
ETALKING has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €324 and a net result of €203,323. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 10% of 17213 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency25▼-17
Growth58=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
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 62
Relative position
BE, all sectors
reference
Computer programming, consultancy and related activities (NACE 62)
about 64% 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 2025Solvency, return and age of the figures
Solvency
0.2%
Return on assets
141.7%
Age of the figures
9 mo
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
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 17213 sector peers (2025).
NBB · sector comparisonPosition among 17213 sector peers
Solvency
better than 10%
← weakest
strongest →
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 30-03-2026, 123 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
123 d early
2024
143 d early
2023
113 d early
2022
90 d early
2021
2 d early
2020
28 d late
2019
36 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 58 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 33% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 10 April (4 of the last 5 filed years within 31 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Equity
€324▼ 99.3%
2024 · €45,389
Total assets
€143,536▼ 47.8%
2024 · €275,051
Net result
€203,323▲ 2.7%
2024 · €197,996
Working capital
-€12,471
2024 · €27,858
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€90,215▲ 101%€107,451▲ 19.1%€101,563▼ 5.5%€262,531▲ 158%€269,289▲ 2.6%
Net result€70,491above the sector's middle half▲ 101%€83,049above the sector's middle half▲ 17.8%€73,015above the sector's middle half▼ 12.1%€197,996above the sector's middle half▲ 171%€203,323above the sector's middle half▲ 2.7%
Equity€150,956within the sector's middle half▲ 74.2%€169,555above the sector's middle half▲ 12.3%€45,389within the sector's middle half▼ 73.2%€45,389within the sector's middle half=€324below the sector's middle half▼ 99.3%
Total assets€189,362within the sector's middle half▲ 56.3%€291,506above the sector's middle half▲ 53.9%€176,176within the sector's middle half▼ 39.6%€275,051above the sector's middle half▲ 56.1%€143,536within the sector's middle half▼ 47.8%
Debt€38,406▲ 11.4%€121,951▲ 218%€130,788▲ 7.2%€229,663▲ 75.6%€143,212▼ 37.6%
Working capital€139,122above the sector's middle half▲ 67.8%€163,277above the sector's middle half▲ 17.4%€20,450within the sector's middle half▼ 87.5%€27,858within the sector's middle half▲ 36.2%-€12,471below the sector's middle half
Solvency79.7%above the sector's middle half▲ 8.2pp58.2%within the sector's middle half▼ 21.6pp25.8%below the sector's middle half▼ 32.4pp16.5%below the sector's middle half▼ 9.3pp0.2%below the sector's middle half▼ 16.3pp
Current ratio4.62within the sector's middle half▲ 1.222.34within the sector's middle half▼ 2.281.16below the sector's middle half▼ 1.181.12below the sector's middle half▼ 0.040.91below the sector's middle half▼ 0.21
Return on assets (ROA)37.2%above the sector's middle half▲ 8.3pp28.5%within the sector's middle half▼ 8.7pp41.4%above the sector's middle half▲ 13.0pp72.0%above the sector's middle half▲ 30.5pp141.7%above the sector's middle half▲ 69.7pp
above
within
below
the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related activities, each year against the same schema; no band under 30 filings.
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 3% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €143,536
Fixed assets
€12,795 ▼ 27.0%
Current assets
€130,741 ▼ 49.2%
Equity and liabilities €143,536
Equity
€324 ▼ 99.3%
Debt
€143,212 ▼ 37.6%
Debt's share of the balance-sheet total rises from 83.5% to 99.8%. Equity and debt are lower.
Key figures and ratios
EBITDA
€276,125▲
2024 · €269,938
Cash flow
€210,159▲
2024 · €205,404
Interest coverage
3970.74▲
2024 · 3100.24
Debt ≤ 1 year
€143,212▼
2024 · €229,663
Income taxes
€65,897▲
2024 · €64,453
Equity ratios withheld: equity of €324 is too small for a meaningful ratio.
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 2,151 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
- 5 to 10 years old
- solvency under 10%
- a profit of 5% of the balance sheet or more
1.6%
went bankrupt
2.2%
stopped otherwise
96%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 0.2% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| 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% | 1.7% |
| 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 75% 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 2,151 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
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €4,099 | €7,373 | €6,454 | €7,407 | €6,836 | ▼ 7.7% |
| Other operating charges640/8 | €1,397 | €1,299 | €2,553 | €2,062 | €2,034 | ▼ 1.4% |
| Gross operating margin9900 | €95,711 | €116,122 | €110,570 | €272,000 | €278,159 | ▲ 2.3% |
| Operating profit (loss)9901 | €90,215 | €107,451 | €101,563 | €262,531 | €269,289 | ▲ 2.6% |
| Financial income75/76B | - | €41 | €3 | €5 | €0 | ▼ 99.8% |
| Recurring financial income75 | - | €41 | €3 | €5 | €0 | ▼ 99.8% |
| Financial charges65/66B | €396 | €590 | €7,648 | €87 | €70 | ▼ 20.1% |
| Recurring financial charges65 | €396 | €590 | €7,648 | €87 | €70 | ▼ 20.1% |
| Profit (loss) for the period before taxes9903 | €89,819 | €106,902 | €93,918 | €262,449 | €269,220 | ▲ 2.6% |
| Income taxes67/77 | €19,328 | €23,853 | €20,902 | €64,453 | €65,897 | ▲ 2.2% |
| Profit (loss) for the period9904 | €70,491 | €83,049 | €73,015 | €197,996 | €203,323 | ▲ 2.7% |
| Profit (loss) for the period to be appropriated9905 | €70,491 | €83,049 | €73,015 | €197,996 | €203,323 | ▲ 2.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €189,362 | €291,506 | €176,176 | €275,051 | €143,536 | ▼ 47.8% |
| Fixed assets21/28 | €11,834 | €6,278 | €24,938 | €17,531 | €12,795 | ▼ 27.0% |
| Tangible fixed assets22/27 | €11,834 | €6,278 | €24,938 | €17,531 | €12,795 | ▼ 27.0% |
| Furniture and vehicles24 | €11,834 | €6,278 | €24,938 | €17,531 | €12,795 | ▼ 27.0% |
| Current assets29/58 | €177,528 | €285,228 | €151,238 | €257,521 | €130,741 | ▼ 49.2% |
| Amounts receivable within one year40/41 | €28,483 | €19,542 | €63,962 | €38,832 | €72,003 | ▲ 85.4% |
| Trade receivables40 | €28,483 | €19,542 | €59,792 | €34,485 | €71,916 | ▲ 109% |
| Other amounts receivable41 | - | - | €4,170 | €4,347 | €87 | ▼ 98.0% |
| Current investments50/53 | €27,000 | €73,000 | €0 | - | - | - |
| Cash at bank and in hand54/58 | €121,575 | €192,686 | €87,276 | €217,968 | €50,879 | ▼ 76.7% |
| Deferred charges and accrued income490/1 | €470 | - | - | €720 | €7,860 | ▲ 992% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €189,362 | €291,506 | €176,176 | €275,051 | €143,536 | ▼ 47.8% |
| Equity10/15 | €150,956 | €169,555 | €45,389 | €45,389 | €324 | ▼ 99.3% |
| Contributions10/11 | €1 | €18,600 | €1 | €1 | €1 | = |
| Reserves13 | €150,955 | €150,955 | €45,388 | €45,388 | €323 | ▼ 99.3% |
| Distributable reserves133 | €150,955 | €150,955 | €45,388 | €45,388 | €323 | ▼ 99.3% |
| Profit (loss) carried forward14 | - | - | €0 | €0 | €0 | - |
| Amounts payable17/49 | €38,406 | €121,951 | €130,788 | €229,663 | €143,212 | ▼ 37.6% |
| Amounts payable within one year42/48 | €38,406 | €121,951 | €130,788 | €229,663 | €143,212 | ▼ 37.6% |
| Financial debts43 | €410 | €360 | €215 | €73 | €37 | ▼ 48.9% |
| Credit institutions430/8 | €410 | €360 | €215 | €73 | €37 | ▼ 48.9% |
| Trade debts44 | €23,495 | €24,458 | €11,476 | €2,514 | €3,370 | ▲ 34.1% |
| Suppliers440/4 | €23,495 | €24,458 | €11,476 | €2,514 | €3,370 | ▲ 34.1% |
| Taxes, remuneration and social security45 | €14,181 | €14,084 | €24,469 | €29,079 | €34,917 | ▲ 20.1% |
| Taxes450/3 | €14,181 | €14,084 | €21,709 | €24,296 | €29,294 | ▲ 20.6% |
| Remuneration and social security454/9 | - | - | €2,760 | €4,784 | €5,624 | ▲ 17.6% |
| Other amounts payable47/48 | €320 | €83,049 | €94,628 | €197,996 | €104,887 | ▼ 47.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €70,491 | €83,049 | €73,015 | €197,996 | €203,323 | ▲ 2.7% |
| + Depreciation and write-downs630 | €4,099 | €7,373 | €6,454 | €7,407 | €6,836 | ▼ 7.7% |
| Operating cash flow (approximation) | €74,590 | €90,421 | €79,469 | €205,404 | €210,159 | ▲ 2.3% |
| Investment in fixed assets (approximation) | - | -€1,817 | -€25,114 | €0 | -€2,100 | - |
| Change in cash | - | €71,112 | -€105,410 | €130,693 | -€167,090 | ▼ 228% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2019net €203,323 ▲2.7%
Operating result €269,289, net result €203,323, both a record.
10-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
09-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
02-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €150,000Eq €150,956 ▲74.2%
3 profitable years in a row build equity to €150,956.
28-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 28 days late
2020
31-12
Financial
Weakest financial yearnet €35,076 ▼22.7%
Net result drops to €35,076, the lowest in the series; recovery starts the following year.
05-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 36 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
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, Mont-de-l'Enclus · 1 establishment unit since 2018
Ground area
3,376 m²
Building footprint
159 m²
Volume, LiDAR
851 m³
Parcel 57061B0464/00B000, Wallonia · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ETALKING
since 20182.272.307.449
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57061B0464/00B000 | Wallonia | 3,376 m² | 1 · 159 m² | 8.0 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
Building Websites
BE 0652.695.875
Hasselt · Eq €335
SUV Consulting
BE 0692.603.457
Lubbeek · Eq €313
LOGICO
BE 0456.295.027
La Hulpe · Eq €312
ENHANCED LOGIC AND INNOVATIVE SOLUTIONS
BE 1017.027.677
Brussel · Eq €311
ASUKO GAME TECH
BE 1009.541.554
Ath · Eq €311
Of 30,009 companies in sector 62200 we hold annual accounts for 18,399. 822 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
Founded02-02-2018
Fiscal year end31-12
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
62900Other information technology and computer services
63910Web portal activities
70200Business and other management consultancy
74209Other photographic activities
82990Other business support services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0689700583
Also
9925:BE0689700583
Registered
18-10-2023
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.