TALIO
ActiveThe computed 12-month bankruptcy probability of TALIO is 1.6% (moderate). The 2024 annual accounts show equity of €70k and a net result of €-30k. Equity is growing by ~30.4% per year across the filed fiscal years. Its solvency ranks better than 48% of 26053 sector peers (fiscal year 2024). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
36
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability3▼-19
Solvency55▼-6
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days only on tighter terms
Liquidity tight (current ratio 1.4 against 1.57 in 2023; short-term debt: 68.5% and cash: 12% of total assets), and 70.3% of the assets are financed with debt.
Credit advice for your own amount and term
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
Sector 47
higher
← 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 2024Solvency, return and age of the figures
Solvency
29.7%
Return on assets
-12.7%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 19-09-2025, 50 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 · 7 filingsDeviation from the deadline
2025
not confirmed
2024
50 d late
2023
8 d early
2022
17 d late
2021
59 d late
2020
54 d late
2019
30 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€70k▼ 30.0%
2023 · €100k
2018: €-18k
2019: €-3k
2020: €36k
2021: €85k
2022: €93k
2023: €100k
2018 → 2024
Total assets
€236k▼ 15.7%
2023 · €280k
2018: €103k
2019: €110k
2020: €148k
2021: €280k
2022: €293k
2023: €280k
2018 → 2024
Net result
€-30k
2023 · €8k
2018: €-24k
2019: €14k
2020: €40k
2021: €48k
2022: €8k
2023: €8k
2018 → 2024
Working capital
€64k▼ 34.4%
2023 · €98k
2018: €-790
2019: €4k
2020: €39k
2021: €101k
2022: €97k
2023: €98k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€36k-€85k▲ 133%€93k▲ 9.5%€100k▲ 8.2%€70k▼ 30.0%
Operating result€50k-€66k▲ 32.6%€12k▼ 81.6%€-8k€-12k▼ 43.1%
Net result€40k-€48k▲ 22.1%€8k▼ 83.3%€8k▼ 6.4%€-30k
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 €12k in 2024 against €8k in 2023; the loss grows and 2024 has the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €236k
Fixed assets
€10k▲ 8.8%
Current assets
€226k▼ 16.5%
Equity and liabilities €236k
Equity
€70k▼ 30.0%
Debt
€166k▼ 7.7%
The debt ratio rises from 64.2% to 70.3%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-11k▼
2023 · €-7k
Cash flow
€-30k▼
2023 · €9k
Solvency
29.7%▼
2023 · 35.8%
Current ratio
1.40▼
2023 · 1.57
Quick ratio
0.23▼
2023 · 0.50
Debt / equity
2.37▲
2023 · 1.80
ROE
-42.9%▼
2023 · 7.5%
ROA
-12.7%▼
2023 · 2.7%
Interest coverage
-13.48▼
2023 · -7.58
Debt
€166k▼
2023 · €180k
Debt ≤ 1 year
€162k▼
2023 · €173k
Debt > 1 year
€0▼
2023 · €5k
Income taxes
€17k▲
2023 · €-16k
Staff costs
€20k▲
2023 · €9k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€280k€236k▼
Fixed assets21/28€9k€10k▲
Tangible fixed assets22/27€399€1k▲
Plant, machinery and equipment23€399€1k▲
Furniture and vehicles24€0-
Financial fixed assets28€9k€9k=
Current assets29/58€271k€226k▼
Stocks and contracts in progress3€185k€189k▲
Stocks30/36€185k€189k▲
Amounts receivable within one year40/41€35k€9k▼
Trade receivables40-€643
Other amounts receivable41€35k€8k▼
Cash at bank and in hand54/58€51k€28k▼
Equity and liabilities
Total equity and liabilities10/49€280k€236k▼
Equity10/15€100k€70k▼
Contributions10/11€6k€6k=
Reserves13€94k€94k=
Distributable reserves133€94k€94k=
Profit (loss) carried forward14-€-30k
Amounts payable17/49€180k€166k▼
Amounts payable after more than one year17€5k€0▼
Financial debts170/4€5k€0▼
Amounts payable within one year42/48€173k€162k▼
Current portion of amounts payable after more than one year42€10k€4k▼
Financial debts43€820€2k▲
Credit institutions430/8€820€2k▲
Trade debts44€38k€39k▲
Suppliers440/4€38k€39k▲
Taxes, remuneration and social security45€26k€25k▼
Taxes450/3€26k€19k▼
Remuneration and social security454/9€134€5k▲
Other amounts payable47/48€98k€92k▼
Accrued charges and deferred income492/3€2k€4k▲
Income statement
Code20232024
Remuneration, social security and pensions62€9k€20k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€487▼
Other operating charges640/8€364€644▲
Gross operating margin9900€2k€10k▲
Operating profit (loss)9901€-8k€-12k▼
Financial income75/76B€492€33▼
Recurring financial income75€492€33▼
Financial charges65/66B€958€853▼
Recurring financial charges65€958€853▼
Profit (loss) for the period before taxes9903€-9k€-13k▼
Income taxes67/77€-16k€17k▲
Profit (loss) for the period9904€8k€-30k▼
Profit (loss) for the period to be appropriated9905€8k€-30k▼
Appropriation of the result
Profit (loss) to be appropriated9906€8k€-30k▼
Transfer to equity691/2€8k€0▼
To other reserves6921€8k€0▼
The notes to these accounts (14 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
19-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 50 days late
2024
31-12
Financial
Weakest financial yearnet €-30k ▼498%
Net result drops to €-30k, the lowest in the series.
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €100kEq €100k ▲8.2%
5 profitable years in a row build equity to €100k.
17-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 17 days late
2022
28-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 59 days late
2021
31-12
Financial
Highest result since 2018net €48k ▲22.1%
Operating result €66k, net result €48k, both a record.
23-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 54 days late
2020
01-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €14k
Net result €14k after one loss-making year.
22-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 22 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, Aalst · 2 establishment units since 2017
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.
Kattestraat 719300 AalstGround area
236 m²
Building footprint
207 m²
Volume, LiDAR
1,629 m³
2 parcels, Flanders · tallest building 16.8 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
TALIO
since 20172.269.441.890
Talio Antwerpen
since 20252.381.547.364
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41002A0316/00B000 | Flanders | 152 m² | 1 · 136 m² | 15.6 m · 1 fl. |
| 11803C1753/00H000 | Flanders | 84 m² | 1 · 71 m² | 16.8 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
2025 · 1 entry · 89 EUR awarded · 89 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 89 EUR | 89 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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NUEVA
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LINATEX
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Of 1,272 companies in sector 47512 we hold annual accounts for 581. 479 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-10-2017
Fiscal year end31-12
Activities, NACEBEL
47512Retail sale of household textiles and bedding
47714Retail trade
47715Retail trade
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
47721Retail sale of footwear
47722Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 7 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.