TALIGOVA
ActiveTALIGOVA has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €59k and a net result of €-5k. Equity is growing by ~8.5% per year across the filed fiscal years. Its solvency ranks better than 40% of 18040 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
55
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability66▲+55
Solvency48▲+2
Growth52=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity short (current ratio 0.9 against 0.83 in 2024; short-term debt: 77.3% and cash: 4.8% of total assets), and 77.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+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
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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
22.7%
Return on assets
-1.9%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-5k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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
2025
28 d late
2024
2 d early
2023
30 d late
2022
30 d late
2021
23 d late
2020
30 d late
2019
91 d late
← before the deadline
after the deadline →
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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€59k▼ 7.8%
2024 · €64k
2018: €36k
2019: €35k
2020: €54k
2021: €72k
2022: €89k
2023: €91k
2024: €64k
2018 → 2025
Total assets
€261k▼ 15.6%
2024 · €310k
2018: €185k
2019: €192k
2020: €209k
2021: €214k
2022: €288k
2023: €317k
2024: €310k
2018 → 2025
Net result
€-5k▲ 80.8%
2024 · €-26k
2018: €4k
2019: €-956
2020: €19k
2021: €18k
2022: €17k
2023: €2k
2024: €-26k
2018 → 2025
Working capital
€-21k▲ 48.8%
2024 · €-41k
2018: €6k
2019: €628
2020: €26k
2021: €51k
2022: €-3k
2023: €-12k
2024: €-41k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€72k-€89k▲ 22.9%€91k▲ 2.1%€64k▼ 28.9%€59k▼ 7.8%
Operating result€25k-€25k▲ 0.2%€4k▼ 83.6%€-25k€-4k▲ 84.8%
Net result€18k-€17k▼ 7.6%€2k▼ 88.9%€-26k€-5k▲ 80.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €4k in 2025 against €25k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €261k
Fixed assets
€80k▼ 23.6%
Current assets
€181k▼ 11.5%
Equity and liabilities €261k
Equity
€59k▼ 7.8%
Debt
€202k▼ 17.6%
The debt ratio falls from 79.2% to 77.3%. Equity and debt are lower.
Key figures and ratios
EBITDA
€22k▲
2024 · €525
Cash flow
€21k▲
2024 · €-718
Solvency
22.7%▲
2024 · 20.8%
Current ratio
0.90▲
2024 · 0.83
Quick ratio
0.11▼
2024 · 0.16
Debt / equity
3.40▼
2024 · 3.80
ROE
-8.5%▲
2024 · -40.7%
ROA
-1.9%▲
2024 · -8.5%
Interest coverage
19.45▲
2024 · 0.28
Debt
€202k▼
2024 · €245k
Debt ≤ 1 year
€202k▼
2024 · €245k
Income taxes
€228▼
2024 · €244
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€310k€261k▼
Fixed assets21/28€105k€80k▼
Tangible fixed assets22/27€105k€80k▼
Plant, machinery and equipment23€5k€3k▼
Furniture and vehicles24€78k€58k▼
Other tangible fixed assets26€21k€19k▼
Financial fixed assets28€0-
Current assets29/58€205k€181k▼
Stocks and contracts in progress3€166k€159k▼
Stocks30/36€166k€159k▼
Amounts receivable within one year40/41€5k€6k▲
Trade receivables40€2k€4k▲
Other amounts receivable41€4k€2k▼
Cash at bank and in hand54/58€29k€13k▼
Deferred charges and accrued income490/1€4k€3k▼
Equity and liabilities
Total equity and liabilities10/49€310k€261k▼
Equity10/15€64k€59k▼
Contributions10/11€62k€62k=
Reserves13€29k€29k=
Distributable reserves133€29k€29k=
Profit (loss) carried forward14€-26k€-31k▼
Amounts payable17/49€245k€202k▼
Amounts payable within one year42/48€245k€202k▼
Financial debts43€833€833=
Credit institutions430/8€833€833=
Trade debts44€317€360▲
Suppliers440/4€317€360▲
Taxes, remuneration and social security45€7k€2k▼
Taxes450/3€7k€2k▼
Other amounts payable47/48€238k€199k▼
Accrued charges and deferred income492/3€61€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€25k€26k▲
Other operating charges640/8€4k€4k▲
Gross operating margin9900€5k€27k▲
Operating profit (loss)9901€-25k€-4k▲
Financial income75/76B€870€133▼
Recurring financial income75€870€133▼
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€-26k€-5k▲
Income taxes67/77€244€228▼
Profit (loss) for the period9904€-26k€-5k▲
Profit (loss) for the period to be appropriated9905€-26k€-5k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-26k€-31k▼
Profit (loss) brought forward from the previous period14P-€-26k
Transfer to equity691/2€0-
To other reserves6921€0-
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
2026
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-26k ▼1529%
Net result drops to €-26k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
23-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 23 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-12
Financial
Back to profitnet €19k
Net result €19k after one loss-making year.
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
07-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 7 days late
07-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 372 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Antwerpen · 1 establishment unit since 2004
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.
Rijfstraat 122018 AntwerpenGround area
4,638 m²
Building footprint
4,457 m²
Volume, LiDAR
99,254 m³
Parcel 11808H1172/00K003, Flanders · tallest building 27.6 m, ±8 floors. Linked by address, not a title deed.
1 establishment unit
Taligova
since 20042.145.751.846
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11808H1172/00K003 | Flanders | 4,638 m² | 1 · 4,457 m² | 27.6 m · 8 fl. |
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
KEMPISCH DIAMANTBEDRIJF PEETERS
BE 0471.748.018
Hulshout · Eq €59k
Gallery Suez
BE 1008.797.030
Antwerpen · Eq €59k
AY-TEZ
BE 0765.650.494
Schaarbeek · Eq €60k
GABASSI
BE 0564.928.790
Fléron · Eq €59k
VANBESIEN
BE 0443.674.535
Roeselare · Eq €60k
Of 2,016 companies in sector 47770 we hold annual accounts for 900. 669 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-04-2003
Fiscal year end31-12
Activities, NACEBEL
47770Retail sale of watches and jewellery
52484
32123Manufacture of jewellery
32124Other manufacturing
36223
46480Wholesale trade
46498Wholesale trade
47722Retail trade
51474
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.