Financials
- Fiscal year
- 2025
- Total assets
- €604,023
- Loss
- -€267,979
- Solvency
- -157.1%
Total assets▼ 39.2%
Net result
20192025
TALEMCO
ActiveSummary
The computed 12-month bankruptcy probability of TALEMCO is 5.5% (elevated). The 2025 annual accounts show negative equity (-€949,154) and a net result of -€267,979. Equity remains stable across the filed fiscal years (±2% per year). Its solvency ranks better than 5% of 11293 sector peers (fiscal year 2025). The company has been active since 1979 and the Belgian State Gazette contains no insolvency or warning signals.
Overview
Activity
Non-specialised retail sale with food, beverages or tobacco predominating
NACE 47110NACE 47112Supermarkets NACE 47114
1 site
Size
€604,023total assets 2025
- Staff
- 5.8 FTE
- Equity
- -€949,154
- Loss
- -€267,979
Turnover not published (abridged schema)
Structure
Accounts 32 d overdue0 of 7 deeds read
Why 34- Negative equity -€949,154- Loss of €267,979, the second in a row (FY 2025)- 1 financial year not filed after the legal deadline; latest accounts 75 days late; 1 of the last 3 late+ Founded in 1979Show the evidence
Checked score
Score 2025
34
/ 100
Weak
Probability in this band: 4.2% to 15.0%
Better than 11% of its sector peers (NACE 47, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Weak
Solvency
0=
equity -157.1% of total assets
Liquidity
22+3
short-term debt 257.0% · cash 17.8%
Profitability
0=
return on assets -44.4%
Bankruptcy probability, 12 months
5.5%
Elevated
0%0.5%1.5%4%10%≥ 25%
About 5 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 11 months
12-2025: 6.0%highest value
01-2026: 6.0%● 0.0% vs 12-2025highest value
02-2026: 6.0%● 0.0% vs 01-2026highest value
03-2026: 6.0%● 0.0% vs 02-2026highest value
04-2026: 5.9%▼ -1.7% vs 03-2026
05-2026: 5.9%● 0.0% vs 04-2026
06-2026: 5.9%▲ +0.2% vs 05-2026
07-2026: 5.8%▼ -1.9% vs 06-2026
08-2026: 5.8%▼ -0.7% vs 07-2026
09-2026: 5.5%▼ -4.9% vs 08-2026
10-2026: 5.5%▼ -0.1% vs 09-2026lowest value
- Negative equity -€949,154 raises the probability
- Loss of €267,979, the second in a row (FY 2025) raises the probability
- Founded in 1979 lowers the probability for this profile
- 1 financial year not filed after the legal deadline; latest accounts 75 days late; 1 of the last 3 late raises the probability
No credit on open account
Liquidity short (current ratio 0.36 against 0.57 in 2024; short-term debt: 257% and cash: 17.8% of total assets), and equity is negative.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 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% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 47, micro). Better than this share of them on solvency 6%, liquidity 20%, profitability 6%, growth against the median 13%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year -€949,154
neutral · Filed after the deadline
The financial year that closed on 31-01-2025 was due by 31-08-2025 and was filed on 14-11-2025, 75 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 · 10 filingsDeviation from the deadline
2026
not confirmed
2025
75 d late
2024
1 d early
2023
25 d late
2022
42 d late
2021
76 d late
2020
60 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 46 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
Checked, nothing found (1)
- Annual accounts filedfiscal year 2025 · abbreviated…
- Weakest financial yearnet -€267,979
- Annual accounts filedfiscal year 2024 · abbreviated…
Key points
- Risk: Negative equityfiscal year 2025: debts exceed assets -€949,154 View
- Caution: Among the weakest 5% on solvencysector median 37.2% · 11,293 companies -157.1% View
- Caution: Result fell in 2025from -€166,045 to -€267,979 ▼ 61.4% View
- Caution: Accounts not fileddeadline was 31-08-2026 32 d late View
- Caution: 2 loss-making years in a rowloss fiscal year 2025 -€267,979 View
- Active since 1979founded 21-05-1979 47 years View
By topic
Timeline
- Events
- 12
- Since
- 2016
- 14-11-2025Annual accounts filed
- 31-01-2025Weakest financial year
- 30-08-2024Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Non-specialised retail sale with food, beverages or tobacco…NACE 47110
- Founded
- 21-05-1979
- Year ends
- 31-01
- Peppol
- Reachable for e-invoices
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
Your own company? See how customers, suppliers and banks see it and what to improve first.
Investigating this company? Keep it with today's facts in a case file.