TALB
ActiveSummary
The computed 12-month bankruptcy probability of TALB is 2.8% (moderate). The 2024 annual accounts show negative equity (-€111,385) and a net result of €15,612. Equity remains stable across the filed fiscal years (±0.1% per year). Its solvency ranks better than 6% of 26040 sector peers (fiscal year 2024). The company has been active since 1992 and the Belgian State Gazette contains no insolvency signals. The CBE does carry 2 administrative register entries (see administrative flags).
Checked score
Score 2024
Axes · tick = 2023
Profitability92▲+92
Solvency0=
Growth52▲+28
Track record84
Bankruptcy probability, 12 months
2.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.53 against 0.18 in 2023; short-term debt: 169.5% and cash: 33.1% of total assets), and equity is negative.
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Signals
Nine signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk
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
-183.5%
Return on assets
25.7%
Age of the figures
21 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 6% of 26040 sector peers (2024).
NBB · sector comparisonPosition among 26040 sector peers
Solvency
better than 6%
← weakest
strongest →
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 16-12-2025, 138 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
138 d late
2023
218 d late
2022
509 d late
2021
874 d late
2020
79 d late
2019
444 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 377 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
raises risk · Administrative warnings in the KBO publications
2 publications by the FPS Economy about this company, such as a strike-off for address, accounts or UBO, or their withdrawal.
KBO publicationsPublications
UBO non-compliance×2
History
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Financials · fiscal year 2024, micro schema
Turnover
€18,291▼ 66.2%
2019 · €54,085
EBIT margin
110.3%▲ 107.9pp
2019 · 2.5%
Net result
€15,612
2023 · -€2,349
Working capital
-€48,841▲ 22.4%
2023 · -€62,911
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, 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
Line20202021202220232024
Turnover€18,291
Operating result€3,830▲ 188%-€10,217-€5,971▲ 41.6%-€2,325▲ 61.1%€20,178
Net result€6,016within the sector's middle half▲ 9,823%-€4,536below the sector's middle half-€7,495below the sector's middle half▼ 65.2%-€2,349within the sector's middle half▲ 68.7%€15,612within the sector's middle half
EBIT margin110.3%
Equity-€112,617below the sector's middle half▲ 5.1%-€117,153below the sector's middle half▼ 4.0%-€124,648below the sector's middle half▼ 6.4%-€126,997below the sector's middle half▼ 1.9%-€111,385below the sector's middle half▲ 12.3%
Total assets€21,282below the sector's middle half▲ 30.0%€12,965below the sector's middle half▼ 39.1%€13,829below the sector's middle half▲ 6.7%€13,822below the sector's middle half▼ 0.1%€60,706within the sector's middle half▲ 339%
Debt€133,899▼ 0.8%€130,118▼ 2.8%€138,477▲ 6.4%€140,819▲ 1.7%€172,091▲ 22.2%
Working capital-€49,805▲ 12.5%-€55,653▼ 11.7%-€60,562▼ 8.8%-€62,911▼ 3.9%-€48,841▲ 22.4%
Solvency-529.2%below the sector's middle half▲ 195.6pp-903.6%below the sector's middle half▼ 374.4pp-901.4%below the sector's middle half▲ 2.3pp-918.8%below the sector's middle half▼ 17.5pp-183.5%below the sector's middle half▲ 735.3pp
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €20,178 after a loss of €2,325 in 2023, the highest result in the available series.
Balance-sheet composition
Assets €60,706
Fixed assets
€6,636
Current assets
€54,070
Key figures and ratios
EBITDA
€21,012
Cash flow
€16,446
Current ratio
0.53▲
2023 · 0.18
Quick ratio
0.23▲
2023 · 0.04
Debt to equity
-1.55▼
2023 · -1.11
ROA
25.7%▲
2023 · -17.0%
Interest coverage
4.60
Debt ≤ 1 year
€102,911▲
2023 · €76,733
Debt > 1 year
€69,180▲
2023 · €64,086
Staff costs
€6
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 3,799 companies that looked in July 2024 the way this one looks now, 2.5% went bankrupt within 24 months and 91% are still going.
- Micro
- 20 years or older
- negative equity
- a profit of 5% of the balance sheet or more
2.5%
went bankrupt
5.3%
stopped otherwise
91%
still going
A further 0.8% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 2.8% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 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% | 1.6% |
| 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 74% 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 3,799 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 | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | - | - | - | - | €18,291 | - |
| Goods, raw materials, services and sundry goods60/61 | - | €5,917 | €4,676 | €190 | - | - |
| Remuneration, social security and pensions62 | - | - | - | - | €6 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | - | - | - | €834 | - |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | - | - | €2,459 | - |
| Other operating charges640/8 | - | €458 | €795 | €484 | €100 | ▼ 79.4% |
| Non-recurring operating charges66A | - | €3,843 | €500 | €1,650 | €1,250 | ▼ 24.2% |
| Gross operating margin9900 | €3,830 | -€5,917 | -€4,676 | -€190 | €24,827 | ▲ 13,139% |
| Operating profit (loss)9901 | €3,830 | -€10,217 | -€5,971 | -€2,325 | €20,178 | ▲ 968% |
| Financial income75/76B | - | €5,750 | €0 | - | - | - |
| Recurring financial income75 | €5,000 | €5,750 | €0 | - | - | - |
| Financial charges65/66B | - | €69 | €274 | €24 | €4,566 | ▲ 18,925% |
| Recurring financial charges65 | €1,564 | €69 | €274 | €24 | €4,566 | ▲ 18,925% |
| Profit (loss) for the period before taxes9903 | €7,266 | -€4,536 | -€6,245 | -€2,349 | €15,612 | ▲ 765% |
| Income taxes67/77 | €1,250 | - | €1,250 | - | - | - |
| Profit (loss) for the period9904 | €6,016 | -€4,536 | -€7,495 | -€2,349 | €15,612 | ▲ 765% |
| Profit (loss) for the period to be appropriated9905 | €6,016 | -€4,536 | -€7,495 | -€2,349 | €15,612 | ▲ 765% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €21,282 | €12,965 | €13,829 | €13,822 | €60,706 | ▲ 339% |
| Fixed assets21/28 | - | - | - | - | €6,636 | - |
| Tangible fixed assets22/27 | - | - | - | - | €3,336 | - |
| Furniture and vehicles24 | - | - | - | - | €1,764 | - |
| Other tangible fixed assets26 | - | - | - | - | €1,572 | - |
| Financial fixed assets28 | - | - | - | - | €3,300 | - |
| Current assets29/58 | €21,282 | €12,965 | €13,829 | €13,822 | €54,070 | ▲ 291% |
| Stocks and contracts in progress3 | €10,454 | €10,454 | €10,454 | €10,454 | €30,839 | ▲ 195% |
| Stocks30/36 | - | €10,454 | €10,454 | €10,454 | €30,839 | ▲ 195% |
| Amounts receivable within one year40/41 | €9,768 | €2,360 | €3,198 | €3,215 | €3,000 | ▼ 6.7% |
| Trade receivables40 | - | - | - | - | €0 | - |
| Other amounts receivable41 | - | €2,360 | €3,198 | €3,215 | €3,000 | ▼ 6.7% |
| Cash at bank and in hand54/58 | €1,060 | €151 | €177 | €153 | €20,082 | ▲ 13,009% |
| Deferred charges and accrued income490/1 | - | - | - | - | €148 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €21,282 | €12,965 | €13,829 | €13,822 | €60,706 | ▲ 339% |
| Equity10/15 | -€112,617 | -€117,153 | -€124,648 | -€126,997 | -€111,385 | ▲ 12.3% |
| Contributions10/11 | €18,592 | €18,592 | €18,592 | €18,592 | €18,592 | = |
| Capital10 | - | €18,592 | €18,592 | €18,592 | €18,592 | = |
| Issued capital100 | - | €18,592 | €18,592 | €18,592 | €18,592 | = |
| Reserves13 | - | - | - | - | €1,860 | - |
| Non-distributable reserves130/1 | - | - | - | - | €1,860 | - |
| Legal reserve130 | - | - | - | - | €1,860 | - |
| Profit (loss) carried forward14 | -€131,209 | -€135,745 | -€143,240 | -€145,589 | -€131,837 | ▲ 9.4% |
| Amounts payable17/49 | €133,899 | €130,118 | €138,477 | €140,819 | €172,091 | ▲ 22.2% |
| Amounts payable after more than one year17 | €62,812 | €61,500 | €64,086 | €64,086 | €69,180 | ▲ 7.9% |
| Other amounts payable178/9 | - | €61,500 | €64,086 | €64,086 | €69,180 | ▲ 7.9% |
| Amounts payable within one year42/48 | €71,087 | €68,618 | €74,391 | €76,733 | €102,911 | ▲ 34.1% |
| Trade debts44 | €70,624 | €68,618 | €74,391 | €76,733 | €101,513 | ▲ 32.3% |
| Suppliers440/4 | - | €68,618 | €74,391 | €76,733 | €101,513 | ▲ 32.3% |
| Taxes, remuneration and social security45 | - | €0 | - | - | €1,048 | - |
| Taxes450/3 | - | €0 | - | - | €1,048 | - |
| Other amounts payable47/48 | - | - | - | - | €350 | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €6,016 | -€4,536 | -€7,495 | -€2,349 | €15,612 | ▲ 765% |
| + Depreciation and write-downs630 | - | - | - | - | €834 | - |
| Operating cash flow (approximation) | €6,016 | -€4,536 | -€7,495 | -€2,349 | €16,446 | ▲ 800% |
| Change in cash | - | -€909 | €26 | -€24 | €19,929 | ▲ 83,138% |
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
2025
16-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 138 days late
06-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 218 days late
14-02
KBO administration
UBO non-compliance
event 03-02-2025
2024
31-12
Financial
Back to profitnet €15,612
Net result €15,612 after 3 loss-making years.
21-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 509 days late
21-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 874 days late
23-02
KBO administration
UBO non-compliance
event 15-02-2024
2022
31-12
Financial
Weakest financial yearnet -€7,495
Net result drops to -€7,495, the lowest in the series; recovery starts the following year.
2021
18-10
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 79 days late
18-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 444 days late
15-09
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 777 days late
19-05
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 1023 days late
2017
27-11
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 119 days late
17-11
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 474 days late
SignalFinancial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Nivelles · 1 establishment unit since 1993
Ground area
1,421 m²
Building footprint
245 m²
Volume, LiDAR
1,673 m³
2 parcels, Wallonia · tallest building 13.8 m, ±3 floors. Linked by address, not a title deed.
4
companies at this address
See who is registered here
1 establishment unit
TALB
since 19932.060.155.977
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25783F0228/00E004 | Wallonia | 1,289 m² | 1 · 123 m² | 7.3 m · 2 fl. |
| 25782D0616/00K000 | Wallonia | 132 m² | 1 · 122 m² | 13.8 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 6,495 companies in sector 47716 we hold annual accounts for 2,439. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company (pre-2019)
Founded22-12-1992
Fiscal year end31-12
Activities, NACEBEL 2025
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
47721Retail sale of footwear
47711Retail sale of women's outerwear
47722Retail trade
Contact
E-mail
adalonzo@adfiduciaire.netNivelles
Phone
0473311423Nivelles
Phone
0474521734Nivelles
Phone
067220979Nivelles
E-invoicing
Reachable via Peppol
Peppol ID
0208:0448971824
Also
9925:BE0448971824
Registered
26-03-2026
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.