PayTalent
ActiveSummary
PayTalent has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €112k and a net result of €63k. Equity is growing by ~49.1% per year across the filed fiscal years. Its solvency ranks better than 38% of 1901 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
78
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability98▲+18
Solvency67▲+5
Growth78▲+26
Track record94
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 1.7 against 1.57 in 2024; short-term debt: 58.4% and cash: 49.2% of total assets), but 58.4% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four 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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 63
Relative position
BE, all sectors
reference
Sector 63
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
41.6%
Return on assets
23.5%
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 15-07-2026, 16 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
16 d early
2024
7 d early
2023
33 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 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€112k▲ 83.5%
2024 · €61k
2023: €52k
2024: €61k
2023 → 2025
Total assets
€270k▲ 64.4%
2024 · €164k
2023: €105k
2024: €164k
2023 → 2025
Net result
€63k▲ 336%
2024 · €15k
2023: €47k
2024: €15k
2023 → 2025
Working capital
€111k▲ 90.1%
2024 · €58k
2023: €51k
2024: €58k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€52k-€61k▲ 17.2%€112k▲ 83.5%
Operating result€63k-€25k▼ 60.3%€95k▲ 277%
Net result€47k-€15k▼ 69.1%€63k▲ 336%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 277% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €270k
Fixed assets
€1k ▼ 52.9%
Current assets
€269k ▲ 66.5%
Equity and liabilities €270k
Equity
€112k ▲ 83.5%
Debt
€158k ▲ 53.1%
Debt's share of the balance-sheet total falls from 62.7% to 58.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€96k▲
2024 · €26k
Cash flow
€65k▲
2024 · €16k
Current ratio
1.70▲
2024 · 1.57
Debt to equity
1.40▼
2024 · 1.68
ROE
56.5%▲
2024 · 23.8%
ROA
23.5%▲
2024 · 8.9%
Interest coverage
14.74▲
2024 · 6.81
Debt ≤ 1 year
€158k▲
2024 · €103k
Income taxes
€25k▲
2024 · €7k
Staff costs
€454k▲
2024 · €246k
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 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€164k€270k▲
Fixed assets21/28€3k€1k▼
Tangible fixed assets22/27€3k€1k▼
Furniture and vehicles24€3k€1k▼
Current assets29/58€161k€269k▲
Amounts receivable within one year40/41€91k€130k▲
Trade receivables40€91k€115k▲
Other amounts receivable41€500€14k▲
Cash at bank and in hand54/58€64k€133k▲
Deferred charges and accrued income490/1€6k€6k▼
Equity and liabilities
Total equity and liabilities10/49€164k€270k▲
Equity10/15€61k€112k▲
Contributions10/11€5k€5k=
Profit (loss) carried forward14€56k€107k▲
Amounts payable17/49€103k€158k▲
Amounts payable within one year42/48€103k€158k▲
Financial debts43-€2k
Credit institutions430/8-€2k
Trade debts44€48k€27k▼
Suppliers440/4€48k€27k▼
Taxes, remuneration and social security45€55k€115k▲
Taxes450/3€27k€49k▲
Remuneration and social security454/9€28k€67k▲
Other amounts payable47/48-€14k
Income statement
Code20242025
Non-recurring operating income76A-€34
Remuneration, social security and pensions62€246k€454k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k▲
Other operating charges640/8€1k€2k▲
Gross operating margin9900€274k€552k▲
Operating profit (loss)9901€25k€95k▲
Financial income75/76B€0€0▼
Recurring financial income75€0€0▼
Financial charges65/66B€4k€7k▲
Recurring financial charges65€4k€7k▲
Profit (loss) for the period before taxes9903€21k€88k▲
Income taxes67/77€7k€25k▲
Profit (loss) for the period9904€15k€63k▲
Profit (loss) for the period to be appropriated9905€15k€63k▲
Appropriation of the result
Profit (loss) to be appropriated9906€62k€119k▲
Profit (loss) brought forward from the previous period14P€47k€56k▲
Profit to be distributed694/7€6k€12k▲
Employees696-€12k
Other beneficiaries697€6k€0▼
The notes to these accounts (6 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
15-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2023net €63k ▲336%
Operating result €95k, net result €63k, both a record.
31-12
Financial
Equity above €100kEq €112k ▲83.5%
3 profitable years in a row build equity to €112k.
24-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €15k ▼69.1%
Net result drops to €15k, the lowest in the series; recovery starts the following year.
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · 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, Puurs-Sint-Amands · 1 establishment unit since 2022
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.
Rode Kruisstraat 352870 Puurs-Sint-AmandsGround area
400 m²
Building footprint
101 m²
Volume, LiDAR
734 m³
Parcel 12030B0674/00X009, Flanders · tallest building 10.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
PayTalent
since 20222.338.038.609
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12030B0674/00X009 | Flanders | 400 m² | 1 · 101 m² | 10.5 m · 3 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.
Public money · subsidies and aid
Flemish government
2024 to 2025 · 2 entries · 824 EUR awarded · 712 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 225 EUR | 113 EUR |
| 2024 | 1 | 599 EUR | 599 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 3,152 companies in sector 63920 we hold annual accounts for 1,523. 1,249 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
Founded19-10-2022
Fiscal year end31-12
Activities, NACEBEL 2025
63920Other information service activities
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.