TalentGuide
ActiveSummary
The annual accounts of TalentGuide for fiscal year 2025 show a net loss of 99% of the equity at the start of that year. The 2025 annual accounts show equity of €982k and a net result of €-284k. Equity is growing by ~48.8% per year across the filed fiscal years. Its solvency ranks better than 68% of 2699 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency92▲+25
Growth52▲+20
Track record94
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €55k at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity ample (current ratio 3.81 against 0.31 in 2024; short-term debt: 10.6% and cash: 2.6% of total assets), and 33% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four 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 62
Relative position
BE, all sectors
reference
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← 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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
67%
Return on assets
-19.4%
Age of the figures
9 mo
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 04-06-2026, 57 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
57 d early
2024
50 d early
2023
47 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€982k▲ 242%
2024 · €287k
2023: €497k
2024: €287k▼ -42.3% vs 2023lowest in 3 years
2025: €982k▲ +242% vs 2024highest in 3 years
2023 → 2025
Total assets
€1.46M▲ 115%
2024 · €680k
2023: €584klowest in 3 years
2024: €680k▲ +16.4% vs 2023
2025: €1.46M▲ +115% vs 2024highest in 3 years
2023 → 2025
Net result
€-284k▼ 35.1%
2024 · €-210k
2023: €-151khighest in 3 years
2024: €-210k▼ -38.9% vs 2023
2025: €-284k▼ -35.1% vs 2024lowest in 3 years
2023 → 2025
Working capital
€436k
2024 · €-91k
2023: €119k
2024: €-91k▼ -177% vs 2023lowest in 3 years
2025: €436k▲ +577% vs 2024highest in 3 years
2023 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€497k-€287k▼ 42.3%€982k▲ 242%
2023: €497k
2024: €287k▼ -42.3% vs 2023lowest in 3 years
2025: €982k▲ +242% vs 2024highest in 3 years
Operating result€-148k-€-200k▼ 35.1%€-251k▼ 25.7%
2023: €-148khighest in 3 years
2024: €-200k▼ -35.1% vs 2023
2025: €-251k▼ -25.7% vs 2024lowest in 3 years
Net result€-151k-€-210k▼ 38.9%€-284k▼ 35.1%
2023: €-151khighest in 3 years
2024: €-210k▼ -38.9% vs 2023
2025: €-284k▼ -35.1% vs 2024lowest in 3 years
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €251k in 2025 against €200k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.46M
Fixed assets
€872k ▲ 36.8%
Current assets
€592k ▲ 1,318%
Equity and liabilities €1.46M
Equity
€982k ▲ 242%
Debt
€483k ▲ 22.9%
Debt's share of the balance-sheet total falls from 57.8% to 33.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€-108k▲
2024 · €-123k
Cash flow
€-140k▼
2024 · €-133k
Current ratio
3.81▲
2024 · 0.31
Debt to equity
0.49▼
2024 · 1.37
ROE
-28.9%▲
2024 · -73.2%
ROA
-19.4%▲
2024 · -30.9%
Interest coverage
-3.33▲
2024 · -11.20
Debt ≤ 1 year
€156k▲
2024 · €133k
Debt > 1 year
€320k▲
2024 · €250k
Income taxes
€0▼
2024 · €207
Staff costs
€183k▲
2024 · €177k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 47 lines
Balance sheet
Code20242025
Assets
Total assets20/58€680k€1.46M▲
Fixed assets21/28€638k€872k▲
Intangible fixed assets21€635k€868k▲
Tangible fixed assets22/27€611€1k▲
Furniture and vehicles24€611€1k▲
Financial fixed assets28€3k€3k=
Current assets29/58€42k€592k▲
Amounts receivable within one year40/41€27k€37k▲
Trade receivables40€13k€20k▲
Other amounts receivable41€14k€17k▲
Current investments50/53€0€514k▲
Cash at bank and in hand54/58€13k€38k▲
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€680k€1.46M▲
Equity10/15€287k€982k▲
Contributions10/11€648k€1.63M▲
Profit (loss) carried forward14€-361k€-645k▼
Amounts payable17/49€393k€483k▲
Amounts payable after more than one year17€250k€320k▲
Financial debts170/4€250k€320k▲
Amounts payable within one year42/48€133k€156k▲
Current portion of amounts payable after more than one year42€8k€7k▼
Financial debts43€4k€7k▲
Credit institutions430/8€4k€7k▲
Trade debts44€101k€119k▲
Suppliers440/4€101k€119k▲
Taxes, remuneration and social security45€20k€23k▲
Taxes450/3-€2k
Remuneration and social security454/9€20k€21k▲
Other amounts payable47/48-€136
Accrued charges and deferred income492/3€10k€7k▼
Income statement
Code20242025
Remuneration, social security and pensions62€177k€183k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€77k€144k▲
Other operating charges640/8€728€698▼
Gross operating margin9900€54k€76k▲
Operating profit (loss)9901€-200k€-251k▼
Financial income75/76B€1k€90▼
Recurring financial income75€1k€90▼
Financial charges65/66B€11k€32k▲
Recurring financial charges65€11k€32k▲
Profit (loss) for the period before taxes9903€-210k€-284k▼
Income taxes67/77€207€0▼
Profit (loss) for the period9904€-210k€-284k▼
Profit (loss) for the period to be appropriated9905€-210k€-284k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-361k€-645k▼
Profit (loss) brought forward from the previous period14P€-151k€-361k▼
Social balance
Average headcount (FTE)90873.13.0▼
The notes to these accounts (17 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Remuneration, social security and pensions62 | €165k | €177k | €183k | ▲ 3.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €4k | €77k | €144k | ▲ 87.8% |
| Other operating charges640/8 | €2k | €728 | €698 | ▼ 4.2% |
| Gross operating margin9900 | €23k | €54k | €76k | ▲ 41.2% |
| Operating profit (loss)9901 | €-148k | €-200k | €-251k | ▼ 25.7% |
| Financial income75/76B | €179 | €1k | €90 | ▼ 92.0% |
| Recurring financial income75 | €179 | €1k | €90 | ▼ 92.0% |
| Financial charges65/66B | €3k | €11k | €32k | ▲ 194% |
| Recurring financial charges65 | €3k | €11k | €32k | ▲ 194% |
| Profit (loss) for the period before taxes9903 | €-151k | €-210k | €-284k | ▼ 35.2% |
| Income taxes67/77 | €50 | €207 | €0 | ▼ 100% |
| Profit (loss) for the period9904 | €-151k | €-210k | €-284k | ▼ 35.1% |
| Profit (loss) for the period to be appropriated9905 | €-151k | €-210k | €-284k | ▼ 35.1% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €584k | €680k | €1.46M | ▲ 115% |
| Fixed assets21/28 | €378k | €638k | €872k | ▲ 36.8% |
| Intangible fixed assets21 | €377k | €635k | €868k | ▲ 36.9% |
| Tangible fixed assets22/27 | €1k | €611 | €1k | ▲ 80.1% |
| Furniture and vehicles24 | €1k | €611 | €1k | ▲ 80.1% |
| Financial fixed assets28 | €416 | €3k | €3k | = |
| Current assets29/58 | €205k | €42k | €592k | ▲ 1,318% |
| Amounts receivable within one year40/41 | €23k | €27k | €37k | ▲ 37.9% |
| Trade receivables40 | €7k | €13k | €20k | ▲ 56.6% |
| Other amounts receivable41 | €16k | €14k | €17k | ▲ 20.9% |
| Current investments50/53 | €130k | €0 | €514k | - |
| Cash at bank and in hand54/58 | €49k | €13k | €38k | ▲ 187% |
| Deferred charges and accrued income490/1 | €3k | €2k | €3k | ▲ 67.6% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €584k | €680k | €1.46M | ▲ 115% |
| Equity10/15 | €497k | €287k | €982k | ▲ 242% |
| Contributions10/11 | €648k | €648k | €1.63M | ▲ 151% |
| Profit (loss) carried forward14 | €-151k | €-361k | €-645k | ▼ 78.5% |
| Amounts payable17/49 | €87k | €393k | €483k | ▲ 22.9% |
| Amounts payable after more than one year17 | - | €250k | €320k | ▲ 28.1% |
| Financial debts170/4 | - | €250k | €320k | ▲ 28.1% |
| Amounts payable within one year42/48 | €87k | €133k | €156k | ▲ 16.8% |
| Current portion of amounts payable after more than one year42 | - | €8k | €7k | ▼ 17.0% |
| Financial debts43 | €1k | €4k | €7k | ▲ 67.5% |
| Credit institutions430/8 | €1k | €4k | €7k | ▲ 67.5% |
| Trade debts44 | €71k | €101k | €119k | ▲ 17.2% |
| Suppliers440/4 | €71k | €101k | €119k | ▲ 17.2% |
| Taxes, remuneration and social security45 | €15k | €20k | €23k | ▲ 17.1% |
| Taxes450/3 | - | - | €2k | - |
| Remuneration and social security454/9 | €15k | €20k | €21k | ▲ 8.8% |
| Other amounts payable47/48 | - | - | €136 | - |
| Accrued charges and deferred income492/3 | - | €10k | €7k | ▼ 28.3% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €-151k | €-210k | €-284k | ▼ 35.1% |
| + Depreciation and write-downs630 | €4k | €77k | €144k | ▲ 87.8% |
| Operating cash flow (approximation) | €-147k | €-133k | €-140k | ▼ 4.8% |
| Investment in fixed assets (approximation) | - | €-336k | €-378k | ▼ 12.5% |
| Change in cash | - | €-36k | €25k | ▲ 168% |
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
04-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €-284k
Net result drops to €-284k, the lowest in the series.
31-12
Financial
Liquidity times 12current ratio 3.81
Current ratio from 0.31 to 3.81.
31-12
Financial
Equity above €500kEq €982k ▲242%
Equity rises from €287k to €982k.
11-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
14-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 8 acts read
About the unread acts
We know of 8 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
8 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, Gent · 1 establishment unit since 2022
Ground area
399 m²
Building footprint
276 m²
Volume, LiDAR
2,605 m³
Parcel 44803C0759/00E000, Flanders · tallest building 13.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
TalentGuide
since 20222.342.519.613
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44803C0759/00E000 | Flanders | 399 m² | 1 · 276 m² | 13.8 m · 3 fl. |
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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 8 entries · 265,802 EUR awarded · 223,292 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 3 | 780 EUR | 81,780 EUR |
| 2024 | 2 | 213,510 EUR | 90,000 EUR |
| 2023 | 2 | 1,512 EUR | 26,512 EUR |
| 2022 | 1 | 50,000 EUR | 25,000 EUR |
Schemes
Ontwikkelingsproject
Innovatieve starterssteun
Subsidies voor internationaal ondernemen
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 16,879 companies in sector 62100 we hold annual accounts for 8,771. 4,136 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded17-10-2022
Fiscal year end31-12
Activities, NACEBEL 2025
62100Computer programming
Scores and ratios are computed by Checked and are not a credit decision.