TaLeM
ActiveTaLeM has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €110k and a net result of €77k. Equity is growing by ~5.7% per year across the filed fiscal years. Its solvency ranks better than 45% of 15370 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2024
98
/ 100
Excellent= vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency97▼-1
Growth78▲+26
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 2.07 against 2.19 in 2023), and 45.3% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 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 · 5 filingsDeviation from the deadline
2025
not confirmed
2024
61 d late
2023
61 d late
2022
59 d late
2021
26 d late
2020
76 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€77k▲ 45.1%
2023 · €53k
2020: €60k
2021: €50k
2022: €44k
2023: €53k
2020 → 2024
Working capital
€98k▲ 2.7%
2023 · €95k
2020: €53k
2021: €95k
2022: €137k
2023: €95k
2020 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€60k-€110k▲ 82.1%€154k▲ 40.4%€110k▼ 28.7%€110k=
Operating result€85k-€69k▼ 18.5%€58k▼ 16.4%€67k▲ 15.9%€98k▲ 47.2%
Net result€60k-€50k▼ 17.9%€44k▼ 10.5%€53k▲ 20.1%€77k▲ 45.1%
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 47% above 2023 and is the highest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €201k
Fixed assets
€12k▼ 16.9%
Current assets
€189k▲ 7.9%
Equity and liabilities €201k
Equity
€110k=
Debt
€91k▲ 14.2%
The debt ratio rises from 42.0% to 45.3%: debt grows faster than equity.
Key figures and ratios
EBITDA
€102k▲
2023 · €70k
Cash flow
€81k▲
2023 · €57k
Solvency
54.7%▼
2023 · 58.0%
Current ratio
2.07▼
2023 · 2.19
Quick ratio
2.07▼
2023 · 2.19
Debt / equity
0.83▲
2023 · 0.73
ROE
70.3%▲
2023 · 48.4%
ROA
38.4%▲
2023 · 28.1%
Interest coverage
93.25▲
2023 · 65.95
Debt
€91k▲
2023 · €80k
Debt ≤ 1 year
€91k▲
2023 · €80k
Income taxes
€20k▲
2023 · €13k
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€190k€201k▲
Fixed assets21/28€15k€12k▼
Tangible fixed assets22/27€15k€12k▼
Plant, machinery and equipment23€555€482▼
Furniture and vehicles24€5k€3k▼
Other tangible fixed assets26€9k€9k▲
Financial fixed assets28€30€30=
Current assets29/58€175k€189k▲
Amounts receivable within one year40/41€21k€69k▲
Trade receivables40€712€60k▲
Other amounts receivable41€20k€9k▼
Cash at bank and in hand54/58€152k€118k▼
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€190k€201k▲
Equity10/15€110k€110k=
Contributions10/11€100€100=
Reserves13€110k€110k=
Distributable reserves133€110k€110k=
Amounts payable17/49€80k€91k▲
Amounts payable within one year42/48€80k€91k▲
Trade debts44€6k€3k▼
Suppliers440/4€6k€3k▼
Taxes, remuneration and social security45€20k€11k▼
Taxes450/3€20k€11k▼
Other amounts payable47/48€53k€77k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€4k▲
Other operating charges640/8€762€801▲
Gross operating margin9900€71k€103k▲
Operating profit (loss)9901€67k€98k▲
Financial income75/76B€508€411▼
Recurring financial income75€508€411▼
Financial charges65/66B€1k€1k▲
Recurring financial charges65€1k€1k▲
Profit (loss) for the period before taxes9903€66k€98k▲
Income taxes67/77€13k€20k▲
Profit (loss) for the period9904€53k€77k▲
Profit (loss) for the period to be appropriated9905€53k€77k▲
Appropriation of the result
Profit (loss) to be appropriated9906€98k€77k▼
Profit (loss) brought forward from the previous period14P€44k-
Profit to be distributed694/7€98k€77k▼
Return on contributions (dividend)694€98k€77k▼
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
31-12
Financial
Highest result since 2020net €77k ▲45.1%
Operating result €98k, net result €77k, both a record.
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
28-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 59 days late
2022
31-12
Financial
Weakest financial yearnet €44k ▼10.5%
Net result drops to €44k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €150kEq €154k ▲40.4%
3 profitable years in a row build equity to €154k.
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 26 days late
2021
31-12
Financial
Equity above €100kEq €110k ▲82.1%
2 profitable years in a row build equity to €110k.
15-10
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 76 days late
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, Lasne · 1 establishment unit since 2019
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.
Drève de la Marmotte 111380 LasneGround area
1,729 m²
Building footprint
118 m²
Parcel 25076F0144/00B003, Wallonia. Linked by address, not a title deed.
1 establishment unit
TaLeM
since 20192.295.861.326
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25076F0144/00B003 | Wallonia | 1,729 m² | 1 · 118 m² | - |
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.
Similar companies · same sector, comparable size
Gilles Daniëls
BE 0700.543.502
Sint-Katelijne-Waver · Eq €110k
AMAURY DUJARDIN
BE 1010.473.051
Vilvoorde · Eq €110k
DG Audit
BE 1003.162.419
Zaventem · Eq €111k
CDP PETIT & Co
BE 0670.625.336
Watermaal-Bosvoorde · Eq €111k
Christophe Milde Bedrijfsrevisor
BE 1003.820.237
Rotselaar · Eq €115k
Of 940 companies in sector 69203 we hold annual accounts for 658. 505 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-10-2019
Fiscal year end31-12
Activities, NACEBEL
69203Activities of company auditors
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.