TALENT D'OR
ActiveSummary
The computed 12-month bankruptcy probability of TALENT D'OR is 2.2% (moderate). The 2025 annual accounts show negative equity (-€10,867) and a net result of €2,256. Equity is shrinking by ~37.2% per year across the filed fiscal years. Its solvency ranks better than 5% of 10522 sector peers (fiscal year 2025). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability69▲+24
Solvency0=
Growth72=
Track record100
Bankruptcy probability, 12 months
2.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.62 against 0.61 in 2024; short-term debt: 161% of total assets), and equity is negative.
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Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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 · 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 2025Solvency, return and age of the figures
Solvency
-61%
Return on assets
12.7%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 10522 sector peers (2025).
NBB · sector comparisonPosition among 10522 sector peers
Solvency
better than 5%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-07-2026, 2 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
2 d early
2024
59 d late
2023
27 d late
2022
36 d late
2021
30 d late
2020
186 d late
2019
40 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 54 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 (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. Usually files around 30 August (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, abbreviated schema
Turnover
€42,257▲ 60.2%
2023 · €26,372
EBIT margin
2.3%▲ 22.0pp
2023 · -19.7%
Net result
€2,256▲ 246%
2024 · €652
Working capital
-€10,867▲ 17.2%
2024 · -€13,123
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
Line20212022202320242025
Turnover€26,372€42,257▲ 60.2%
Operating result-€7,220-€10,901▼ 51.0%-€5,192▲ 52.4%€986€2,489▲ 152%
Net result-€7,313below the sector's middle half-€11,082below the sector's middle half▼ 51.5%-€5,006below the sector's middle half▲ 54.8%€652within the sector's middle half€2,256within the sector's middle half▲ 246%
EBIT margin-19.7%2.3%▲ 22.0pp
Equity€38below the sector's middle half▼ 99.5%-€8,769below the sector's middle half-€13,775below the sector's middle half▼ 57.1%-€13,123below the sector's middle half▲ 4.7%-€10,867below the sector's middle half▲ 17.2%
Total assets€8,055below the sector's middle half▼ 41.9%€11,496below the sector's middle half▲ 42.7%€14,241below the sector's middle half▲ 23.9%€20,512below the sector's middle half▲ 44.0%€17,820below the sector's middle half▼ 13.1%
Debt€8,018▲ 22.9%€20,265▲ 153%€28,016▲ 38.2%€33,635▲ 20.1%€28,687▼ 14.7%
Working capital€38within the sector's middle half▼ 99.5%-€8,769within the sector's middle half-€13,775below the sector's middle half▼ 57.1%-€13,123below the sector's middle half▲ 4.7%-€10,867below the sector's middle half▲ 17.2%
Solvency0.5%below the sector's middle half▼ 52.5pp-76.3%below the sector's middle half▼ 76.7pp-96.7%below the sector's middle half▼ 20.4pp-64.0%below the sector's middle half▲ 32.8pp-61.0%below the sector's middle half▲ 3.0pp
Current ratio1.00within the sector's middle half▼ 1.120.57below the sector's middle half▼ 0.440.51below the sector's middle half▼ 0.060.61below the sector's middle half▲ 0.100.62below the sector's middle half▲ 0.01
Return on assets (ROA)-90.8%below the sector's middle half▼ 106.3pp-96.4%below the sector's middle half▼ 5.6pp-35.2%below the sector's middle half▲ 61.2pp3.2%within the sector's middle half▲ 38.3pp12.7%above the sector's middle half▲ 9.5pp
Staff (FTE)
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
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 152% above 2024 and is the highest result in the available series.
Key figures and ratios
Quick ratio
0.00▼
2024 · 0.08
Debt to equity
-2.64▼
2024 · -2.56
Debt ≤ 1 year
€28,687▼
2024 · €33,635
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 2,180 companies that looked in July 2024 the way this one looks now, 4.8% went bankrupt within 24 months and 89% are still going.
- Micro
- 5 to 10 years old
- negative equity
- a profit of 5% of the balance sheet or more
4.8%
went bankrupt
5.8%
stopped otherwise
89%
still going
A further 0.6% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 2.2% 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 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
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 2,180 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 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | - | - | €26,372 | €42,257 | - | - |
| Goods, raw materials, services and sundry goods60/61 | - | - | €30,086 | €41,271 | - | - |
| Other operating charges640/8 | €261 | €1,242 | €1,478 | - | €214 | - |
| Gross operating margin9900 | -€6,959 | -€9,659 | -€3,714 | €986 | €2,702 | ▲ 174% |
| Operating profit (loss)9901 | -€7,220 | -€10,901 | -€5,192 | €986 | €2,489 | ▲ 152% |
| Financial income75/76B | €1 | - | €522 | - | - | - |
| Recurring financial income75 | €1 | - | €522 | - | - | - |
| Non-recurring financial income76B | - | - | €522 | - | - | - |
| Financial charges65/66B | €94 | €181 | €336 | €334 | €233 | ▼ 30.4% |
| Recurring financial charges65 | €94 | €181 | €336 | €334 | €233 | ▼ 30.4% |
| Profit (loss) for the period before taxes9903 | -€7,313 | -€11,082 | -€5,006 | €652 | €2,256 | ▲ 246% |
| Profit (loss) for the period9904 | -€7,313 | -€11,082 | -€5,006 | €652 | €2,256 | ▲ 246% |
| Profit (loss) for the period to be appropriated9905 | -€7,313 | -€11,082 | -€5,006 | €652 | €2,256 | ▲ 246% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €8,055 | €11,496 | €14,241 | €20,512 | €17,820 | ▼ 13.1% |
| Current assets29/58 | €8,055 | €11,496 | €14,241 | €20,512 | €17,820 | ▼ 13.1% |
| Stocks and contracts in progress3 | €8,055 | €10,056 | €14,176 | €17,820 | €17,820 | = |
| Stocks30/36 | €8,055 | €10,056 | €14,176 | €17,820 | €17,820 | = |
| Amounts receivable within one year40/41 | - | €1,380 | - | €249 | - | - |
| Other amounts receivable41 | - | €1,380 | - | €249 | - | - |
| Cash at bank and in hand54/58 | - | €60 | €29 | €2,443 | - | - |
| Deferred charges and accrued income490/1 | - | - | €36 | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €8,055 | €11,496 | €14,241 | €20,512 | €17,820 | ▼ 13.1% |
| Equity10/15 | €38 | -€8,769 | -€13,775 | -€13,123 | -€10,867 | ▲ 17.2% |
| Contributions10/11 | €9,600 | €11,875 | €11,875 | €11,875 | €11,875 | = |
| Capital10 | €9,600 | €11,875 | €11,875 | €11,875 | - | - |
| Issued capital100 | €18,600 | €18,600 | €18,600 | €18,600 | - | - |
| Uncalled capital101 | €9,000 | €6,725 | €6,725 | €6,725 | - | - |
| Outside capital11 | - | - | - | - | €11,875 | - |
| Other1109/19 | - | - | - | - | €11,875 | - |
| Profit (loss) carried forward14 | -€9,562 | -€20,644 | -€25,650 | -€24,998 | -€22,742 | ▲ 9.0% |
| Amounts payable17/49 | €8,018 | €20,265 | €28,016 | €33,635 | €28,687 | ▼ 14.7% |
| Amounts payable within one year42/48 | €8,018 | €20,265 | €28,016 | €33,635 | €28,687 | ▼ 14.7% |
| Current portion of amounts payable after more than one year42 | €698 | - | - | - | €12 | - |
| Trade debts44 | €3,001 | - | €5,230 | €9,015 | €20,107 | ▲ 123% |
| Suppliers440/4 | €3,001 | - | €5,230 | €9,015 | €20,107 | ▲ 123% |
| Taxes, remuneration and social security45 | €2,685 | €2,067 | €1,088 | €4,434 | €1,870 | ▼ 57.8% |
| Taxes450/3 | - | - | €1,088 | €2,184 | €1,870 | ▼ 14.4% |
| Remuneration and social security454/9 | €2,685 | €2,067 | - | €2,250 | - | - |
| Other amounts payable47/48 | €1,634 | €18,198 | €21,698 | €20,186 | €6,698 | ▼ 66.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€7,313 | -€11,082 | -€5,006 | €652 | €2,256 | ▲ 246% |
| Operating cash flow (approximation) | -€7,313 | -€11,082 | -€5,006 | €652 | €2,256 | ▲ 246% |
| Change in cash | - | - | -€31 | €2,414 | - | - |
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
Next filing, fiscal year 2026, expected by
2026
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €2,256 ▲246%
Operating result €2,489, net result €2,256, both a record.
28-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 59 days late
2024
31-12
Financial
Back to profitnet €652
Net result €652 after 3 loss-making years.
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
05-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 36 days late
2022
31-12
Financial
Weakest financial yearnet -€11,082
Net result drops to -€11,082, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
02-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 186 days late
2020
31-12
Financial
Back to profitnet €2,156
Net result €2,156 after 2 loss-making years.
09-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 40 days late
2019
22-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 22 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
4 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, Sint-Gillis (bij-Brussel) · 1 establishment unit since 2017
Ground area
49 m²
Parcel 21013B0295/00L000, Brussels. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
TALENT D'OR
since 20172.266.268.012
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21013B0295/00L000 | Brussels | 49 m² | - | - |
Linked by address, not proof of ownership
Good to know
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 1,035 companies in sector 47721 we hold annual accounts for 583. 3 are within a factor 10 of this equity. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded30-06-2017
Fiscal year end31-12
Activities, NACEBEL 2025
47721Retail sale of footwear
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
E-invoicing
Reachable via Peppol
Peppol ID
0208:0677759586
Also
9925:BE0677759586
Registered
12-01-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.