Talent Expert
ActiveTalent Expert has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €36k and a net result of €-2k. Equity is growing by ~18.2% per year across the filed fiscal years. Its solvency ranks better than 73% of 7740 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
67
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability18▼-72
Solvency99▼-1
Growth52=
Track record94
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 3.87 against 4.91 in 2024; short-term debt: 25.6% and cash: 31.2% of total assets), and 25.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 82
Relative position
BE, all sectors
reference
Sector 82
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 2025Solvency, return and age of the figures
Solvency
74.4%
Return on assets
-3.5%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 04-12-2025, 58 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
58 d early
2024
72 d early
2023
61 d early
2022
130 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close21-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€36k▼ 46.7%
2024 · €68k
2022: €31k
2023: €53k
2024: €68k
2022 → 2025
Total assets
€49k▼ 43.1%
2024 · €86k
2022: €43k
2023: €71k
2024: €86k
2022 → 2025
Net result
€-2k
2024 · €15k
2022: €27k
2023: €22k
2024: €15k
2022 → 2025
Working capital
€36k▼ 47.0%
2024 · €68k
2022: €31k
2023: €53k
2024: €68k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€31k-€53k▲ 70.6%€68k▲ 27.4%€36k▼ 46.7%
Operating result€35k-€30k▼ 15.0%€20k▼ 31.4%€492▼ 97.6%
Net result€27k-€22k▼ 19.1%€15k▼ 33.8%€-2k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 98% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €49k
Fixed assets
€466▼ 41.9%
Current assets
€48k▼ 43.1%
Equity and liabilities €49k
Equity
€36k▼ 46.7%
Debt
€12k▼ 29.4%
The debt ratio rises from 20.6% to 25.6%. Equity and debt are lower.
Key figures and ratios
EBITDA
€828▼
2024 · €21k
Cash flow
€-1k▼
2024 · €15k
Solvency
74.4%▼
2024 · 79.4%
Current ratio
3.87▼
2024 · 4.91
Quick ratio
3.87▼
2024 · 4.91
Debt / equity
0.34▲
2024 · 0.26
ROE
-4.7%▼
2024 · 21.5%
ROA
-3.5%▼
2024 · 17.1%
Interest coverage
0.44▼
2024 · 19.41
Debt
€12k▼
2024 · €18k
Debt ≤ 1 year
€12k▼
2024 · €17k
Income taxes
€889▼
2024 · €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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€86k€49k▼
Fixed assets21/28€801€466▼
Tangible fixed assets22/27€801€466▼
Furniture and vehicles24€801€466▼
Current assets29/58€85k€48k▼
Amounts receivable within one year40/41€34k€31k▼
Trade receivables40€22k€27k▲
Other amounts receivable41€12k€4k▼
Cash at bank and in hand54/58€50k€15k▼
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€86k€49k▼
Equity10/15€68k€36k▼
Contributions10/11€4k€4k=
Reserves13€64k€32k▼
Distributable reserves133€64k€32k▼
Profit (loss) carried forward14-€0
Amounts payable17/49€18k€12k▼
Amounts payable within one year42/48€17k€12k▼
Trade debts44€3k€3k▼
Suppliers440/4€3k€3k▼
Taxes, remuneration and social security45€14k€9k▼
Taxes450/3€14k€9k▼
Other amounts payable47/48€0€1k▲
Accrued charges and deferred income492/3€381€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€205€336▲
Other operating charges640/8€351€582▲
Gross operating margin9900€21k€1k▼
Operating profit (loss)9901€20k€492▼
Financial income75/76B€368€584▲
Recurring financial income75€368€584▲
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€20k€-820▼
Income taxes67/77€5k€889▼
Profit (loss) for the period9904€15k€-2k▼
Profit (loss) for the period to be appropriated9905€15k€-2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€15k€-2k▼
Transfer from equity791/2-€32k
Transfer to equity691/2€15k€0▼
To other reserves6921€15k€0▼
Profit to be distributed694/7-€30k
Return on contributions (dividend)694-€30k
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2025
04-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-06
Financial
Weakest financial yearnet €-2k ▼112%
Net result drops to €-2k, the lowest in the series.
2024
20-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
01-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
23-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
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, Beernem · 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.
Biestmeers 148730 BeernemGround area
238 m²
Building footprint
75 m²
Parcel 31021G0662/00G002, Flanders. Linked by address, not a title deed.
1 establishment unit
Talent Expert
since 20212.324.197.796
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31021G0662/00G002 | Flanders | 237 m² | 1 · 75 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
RC Management
BE 0791.171.788
Dendermonde · Eq €36k
ADMIGEST
BE 0667.603.092
Seraing · Eq €36k
B. EURO
BE 0441.817.182
Burdinne · Eq €36k
UBQUITY SERVICES
BE 0754.671.876
Jette · Eq €36k
M&I CONSULT
BE 0800.989.772
Lier · Eq €36k
Of 11,225 companies in sector 82100 we hold annual accounts for 3,511. 2,475 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-11-2021
Fiscal year end30-06
Activities, NACEBEL
82100Office administrative and support services
82110Office administrative, office support and other business support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.