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t-talk

Active
Private limited companyfounded 2021active for 5 yearsSpreeuwendreef 3, 2360 Oud-Turnhout, BelgiumKBO/BCE: BE 0763.912.414
Summary

t-talk has been active since 2021 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €22,712 and a net result of €12,588. Equity has been shrinking by about 23% per year since 2021. If that trend continues, it turns negative around financial year 2027. Its solvency ranks better than 70% of 978 sector peers (NACE 78, financial year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).

Overview

Official details

Source: KBO
Status
Active since 22-02-2021 Normal situation
Activity
Employment placement agencies NACE 78100and 1 other
Establishment unit
2.313.655.183 2360 Oud-Turnhout, since 22-02-2021
Financial year end
31 December
Peppol
Reachable since 12-12-2025

Board and ownership

Board
  • Michielsen ToonDirector · since 22-02-2021
  • Van Hemeldonck TinneDirector · since 22-02-2021

Financial position

87 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.4%
Annual accounts 2025
Gross margin
€20,743
▼ 60.9%
Turnover
≈ €160,000
estimated
Profit
€12,588
▼ 66.8%
Equity
€22,712
▲ 124%
Total assets
€31,621
▼ 32.8%
  • 2025 accounts filed 54 days after the deadline
Score breakdownraises riskLast filed accounts filed 54 days late; 3 of the last 3 accounts lateSize: total assets €31,621lowers riskSector: Employment activities (NACE 78)Liquidity: current ratio 2.17, cash €9,393Show the evidence

Checked score

Score 2025
87 / 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 80% of micro companies in employment activities (NACE 78)
Financial strength · tick: 2024
Strong
Solvency 97+50
equity 71.8% of total assets
Liquidity 76+31
short-term debt 28.2% · cash 29.7%
Profitability 100=
return on assets 39.8%
Bankruptcy probability within 12 months
0.4% Very low
0%0.5%1.5%4%10%≥ 25%

About 4 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.3% (1,376 companies, NACE 78, micro)
Last 24 months 12-2024: 0.2% 01-2025: 0.1%▼ -0.1 percentage points vs 12-2024 02-2025: 0.1%● unchanged vs 01-2025 03-2025: 0.1%● unchanged vs 02-2025 04-2025: 0.1%● unchanged vs 03-2025lowest value 05-2025: 0.2%▲ +0.1 percentage points vs 04-2025 06-2025: 0.2%● unchanged vs 05-2025 07-2025: 0.2%● unchanged vs 06-2025 08-2025: 0.3%▲ +0.1 percentage points vs 07-2025 09-2025: 0.6%▲ +0.3 percentage points vs 08-2025 10-2025: 0.6%● unchanged vs 09-2025 11-2025: 0.6%● unchanged vs 10-2025 12-2025: 0.6%● unchanged vs 11-2025 01-2026: 0.6%● unchanged vs 12-2025 02-2026: 0.6%● unchanged vs 01-2026 03-2026: 0.7%▲ +0.1 percentage points vs 02-2026 04-2026: 0.7%● unchanged vs 03-2026 05-2026: 0.7%● unchanged vs 04-2026 06-2026: 0.7%● unchanged vs 05-2026 07-2026: 0.7%● unchanged vs 06-2026 08-2026: 1.1%▲ +0.4 percentage points vs 07-2026 09-2026: 1.4%▲ +0.3 percentage points vs 08-2026highest value 10-2026: 0.4%▼ -1.0 percentage point vs 09-2026 11-2026: 0.4%● unchanged vs 10-2026
Credit of up to €1,500 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 2.17 (1.01 in 2024), above the usual 1.5. Short-term debt is 28.2% and cash 29.7% of total assets. 28.2% of the assets are financed with debt and provisions.
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 78, micro). It does better than 73% of them on solvency, 68% on liquidity, 88% on profitability and 91% on growth.

The bankruptcy probability was computed on 02-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Five signals.
lowers riskraises risk
lowers risk · Sector: Employment activities (NACE 78)
KBO
lowers risk · Liquidity: current ratio 2.17, cash €9,393
NBB · annual accounts
raises risk · Last filed accounts filed 54 days late; 3 of the last 3 accounts late
NBB · filings
raises risk · Size: total assets €31,621
Companies of this size fail more often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
raises risk · 2025 accounts filed 54 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 23-09-2026, 54 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 5 filings
Deviation from the deadline
2025
54 days late
2024
31 days late
2023
101 days late
2022
61 days late
2021
30 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 5 accounts on average 55 days after the deadline. In the sector (NACE 78), the median for financial year 2024 was 14 days before the deadline, and 30% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 23 September (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
03-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Positive: 5 profitable years in a rowprofit 2025: €12,588 5 years View

Recent changes

  1. · Gazette deed Incorporation
All 8 events

Comparable companies

These companies have the same main activity as t-talk: employment placement agencies (NACE 78100). They are comparable in size and age: total assets between €23,300 and €38,900, founded between 2020 and 2022.

CompanyTotal assetsGross margin
t-talk Oud-Turnhout€31,621€20,743
DC PROOF Aartselaar€34,773€20,639
BREEX RECRUITMENT Stekene€34,647€23,535
GMSC Sint-Jans-Molenbeek€31,241€15,623
Ydna Brasschaat€23,275€18,921
STR8HR Antwerpen€34,990€21,222
UNAKO Hasselt€38,926€18,800
Full comparison

Key facts about t-talk

What is the company number of t-talk?
The company number of t-talk is 0763.912.414. The VAT number is the same number with BE in front: BE 0763.912.414.
Where is t-talk based?
The registered office is at Spreeuwendreef 3, 2360 Oud-Turnhout.Company details
What does t-talk do?
According to the KBO register, the main activity is employment placement agencies (NACE 78100).
What is the legal form of t-talk?
The legal form of t-talk is Private limited company (BV).
When was t-talk founded?
t-talk was founded on 22-02-2021.
Is t-talk still active?
Yes, t-talk is an active enterprise in the KBO register.
What is the turnover of t-talk?
The turnover in financial year 2025 is ≈ €160,000. This figure is estimated from the gross margin of €20,743 and 6,321 comparable companies of the same size. It probably lies between €73,000 and €380,000. It is a rough estimate.Financials
Is t-talk profitable?
In financial year 2025, t-talk made a profit of €12,588.
Where can I find the annual accounts of t-talk?
t-talk filed 5 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of t-talk due?
t-talk must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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