t-talk
Activet-talk has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €10k and a net result of €38k. Equity is shrinking by ~6.8% per year across the filed fiscal years. Its solvency ranks better than 25% of 998 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2024
65
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100▲+20
Solvency47▼-53
Growth32▼-20
Track record94
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity tight (current ratio 1.01 against 7.2 in 2023; short-term debt: 78.5% and cash: 29.9% of total assets), and 78.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 78
Relative position
BE, all sectors
reference
Sector 78
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
21.5%
Return on assets
80.5%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-08-2025, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 4 filingsDeviation from the deadline
2025
not confirmed
2024
31 d late
2023
101 d late
2022
61 d late
2021
30 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€10k▼ 89.5%
2023 · €97k
2021: €74k
2022: €86k
2023: €97k
2021 → 2024
Total assets
€47k▼ 57.8%
2023 · €112k
2021: €97k
2022: €127k
2023: €112k
2021 → 2024
Net result
€38k▲ 265%
2023 · €10k
2021: €74k
2022: €12k
2023: €10k
2021 → 2024
Working capital
€216▼ 99.8%
2023 · €93k
2021: €73k
2022: €86k
2023: €93k
2021 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220232024Trend
Equity€74k-€86k▲ 16.9%€97k▲ 12.0%€10k▼ 89.5%
Operating result€94k-€22k▼ 76.7%€17k▼ 23.9%€50k▲ 203%
Net result€74k-€12k▼ 83.1%€10k▼ 16.6%€38k▲ 265%
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 2024; 2024 is 203% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €47k
Fixed assets
€10k▲ 207%
Current assets
€37k▼ 65.7%
Equity and liabilities €47k
Equity
€10k▼ 89.5%
Debt
€37k▲ 145%
The debt ratio rises from 13.5% to 78.5%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€52k▲
2023 · €17k
Cash flow
€40k▲
2023 · €11k
Solvency
21.5%▼
2023 · 86.5%
Current ratio
1.01▼
2023 · 7.20
Quick ratio
1.01▼
2023 · 7.20
Debt / equity
3.65▲
2023 · 0.16
ROE
374.3%▲
2023 · 10.8%
ROA
80.5%▲
2023 · 9.3%
Interest coverage
37.45▲
2023 · 9.47
Debt
€37k▲
2023 · €15k
Debt ≤ 1 year
€37k▲
2023 · €15k
Income taxes
€11k▲
2023 · €5k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€112k€47k▼
Fixed assets21/28€3k€10k▲
Tangible fixed assets22/27€3k€10k▲
Furniture and vehicles24€76€3k▲
Other tangible fixed assets26€3k€7k▲
Current assets29/58€108k€37k▼
Amounts receivable within one year40/41€10k€23k▲
Trade receivables40-€15k
Other amounts receivable41€10k€8k▼
Cash at bank and in hand54/58€99k€14k▼
Equity and liabilities
Total equity and liabilities10/49€112k€47k▼
Equity10/15€97k€10k▼
Contributions10/11€1€1=
Profit (loss) carried forward14€97k€10k▼
Amounts payable17/49€15k€37k▲
Amounts payable within one year42/48€15k€37k▲
Trade debts44€696€832▲
Suppliers440/4€696€832▲
Taxes, remuneration and social security45€14k€5k▼
Taxes450/3€14k€5k▼
Other amounts payable47/48-€31k
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€473€2k▲
Other operating charges640/8€846€990▲
Gross operating margin9900€18k€53k▲
Operating profit (loss)9901€17k€50k▲
Financial income75/76B€187€313▲
Recurring financial income75€187€313▲
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€15k€49k▲
Income taxes67/77€5k€11k▲
Profit (loss) for the period9904€10k€38k▲
Profit (loss) for the period to be appropriated9905€10k€38k▲
Appropriation of the result
Profit (loss) to be appropriated9906€97k€134k▲
Profit (loss) brought forward from the previous period14P€86k€97k▲
Profit to be distributed694/7-€124k
Return on contributions (dividend)694-€124k
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
2025
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
09-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 101 days late
2023
31-12
Financial
Weakest financial yearnet €10k ▼16.6%
Net result drops to €10k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 7.20
Current ratio from 3.09 to 7.20; short-term debt falls from €41k to €15k.
30-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 61 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Oud-Turnhout · 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.
Spreeuwendreef 32360 Oud-TurnhoutGround area
2,232 m²
Building footprint
234 m²
Volume, LiDAR
1,019 m³
Parcel 13482F1174/00N003, Flanders · tallest building 9.5 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
t-talk
since 20212.313.655.183
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13482F1174/00N003 | Flanders | 2,232 m² | 1 · 234 m² | 9.5 m · 1 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.
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Of 2,362 companies in sector 78100 we hold annual accounts for 1,365. 658 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-02-2021
Fiscal year end31-12
Activities, NACEBEL
78100Employment placement agencies
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
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.