TALK TOO
ActiveTALK TOO has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €88k and a net result of €5k. Equity is growing by ~25.7% per year across the filed fiscal years. Its solvency ranks better than 95% of 16941 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
91
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability76▼-3
Solvency100=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 33.89 against 14.02 in 2024; short-term debt: 2.8% and cash: 74.9% of total assets), and 2.8% 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.
−lowers 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
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
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
97.2%
Return on assets
5.9%
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 29-09-2025, 124 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
124 d early
2024
62 d early
2023
6 d early
2022
35 d early
2021
3 d early
2020
3 d early
2019
39 d late
← 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 close17-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€88k▼ 2.3%
2024 · €90k
2019: €8k
2020: €25k
2021: €46k
2022: €64k
2023: €82k
2024: €90k
2019 → 2025
Total assets
€90k▼ 6.1%
2024 · €96k
2019: €40k
2020: €53k
2021: €74k
2022: €70k
2023: €87k
2024: €96k
2019 → 2025
Net result
€5k▼ 29.3%
2024 · €8k
2019: €8k
2020: €17k
2021: €21k
2022: €18k
2023: €18k
2024: €8k
2019 → 2025
Working capital
€83k▼ 0.7%
2024 · €83k
2019: €2k
2020: €22k
2021: €38k
2022: €57k
2023: €74k
2024: €83k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€46k-€64k▲ 39.4%€82k▲ 28.8%€90k▲ 9.2%€88k▼ 2.3%
Operating result€31k-€28k▼ 10.1%€29k▲ 5.1%€15k▼ 50.1%€11k▼ 24.4%
Net result€21k-€18k▼ 14.0%€18k▲ 1.8%€8k▼ 58.8%€5k▼ 29.3%
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 two years in a row; 2025 is 24% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €90k
Fixed assets
€5k▼ 21.4%
Current assets
€85k▼ 4.9%
Equity and liabilities €90k
Equity
€88k▼ 2.3%
Debt
€3k▼ 60.7%
The debt ratio falls from 6.6% to 2.8%. Equity and debt are lower.
Key figures and ratios
EBITDA
€12k▼
2024 · €16k
Cash flow
€7k▼
2024 · €9k
Solvency
97.2%▲
2024 · 93.4%
Current ratio
33.89▲
2024 · 14.02
Quick ratio
33.89▲
2024 · 14.02
Debt / equity
0.03▼
2024 · 0.07
ROE
6.1%▼
2024 · 8.4%
ROA
5.9%▼
2024 · 7.9%
Interest coverage
27.62▲
2024 · 23.20
Debt
€3k▼
2024 · €6k
Debt ≤ 1 year
€3k▼
2024 · €6k
Income taxes
€5k▼
2024 · €6k
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€96k€90k▼
Fixed assets21/28€7k€5k▼
Tangible fixed assets22/27€7k€5k▼
Furniture and vehicles24€6k€5k▼
Other tangible fixed assets26€597€528▼
Current assets29/58€89k€85k▼
Amounts receivable within one year40/41€16k€17k▲
Trade receivables40€12k€12k▼
Other amounts receivable41€4k€5k▲
Cash at bank and in hand54/58€73k€68k▼
Deferred charges and accrued income490/1€462€394▼
Equity and liabilities
Total equity and liabilities10/49€96k€90k▼
Equity10/15€90k€88k▼
Contributions10/11€100€100=
Reserves13€90k€88k▼
Distributable reserves133€90k€88k▼
Profit (loss) carried forward14-€0
Amounts payable17/49€6k€3k▼
Amounts payable within one year42/48€6k€3k▼
Trade debts44€1k€1k▼
Suppliers440/4€1k€1k▼
Taxes, remuneration and social security45€5k€1k▼
Taxes450/3€5k€1k▼
Other amounts payable47/48-€80
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€1k▼
Other operating charges640/8€900€772▼
Gross operating margin9900€17k€13k▼
Operating profit (loss)9901€15k€11k▼
Financial income75/76B€95€0▼
Recurring financial income75€95€0▼
Financial charges65/66B€705€451▼
Recurring financial charges65€705€451▼
Profit (loss) for the period before taxes9903€14k€11k▼
Income taxes67/77€6k€5k▼
Profit (loss) for the period9904€8k€5k▼
Profit (loss) for the period to be appropriated9905€8k€5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€8k€5k▼
Transfer from equity791/2-€7k
Transfer to equity691/2€8k€5k▼
To other reserves6921€8k€5k▼
Profit to be distributed694/7-€7k
Return on contributions (dividend)694-€7k
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
29-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-06
Financial
Weakest financial yearnet €5k ▼29.3%
Net result drops to €5k, the lowest in the series.
30-06
Financial
Liquidity doublescurrent ratio 33.89
Current ratio from 14.02 to 33.89; short-term debt falls from €6k to €3k.
2024
30-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
25-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
27-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
30-06
Financial
Liquidity times 5current ratio 11.01
Current ratio from 2.34 to 11.01; short-term debt falls from €29k to €6k.
28-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Highest result since 2019net €21k ▲22.6%
Operating result €31k, net result €21k, both a record.
28-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
10-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 39 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, Ranst · 1 establishment unit 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.
Boekweitlaan 102520 RanstGround area
593 m²
Building footprint
131 m²
Volume, LiDAR
801 m³
Parcel 11035C0204/00L002, Flanders · tallest building 9.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
TALK TOO
since 20172.268.728.149
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11035C0204/00L002 | Flanders | 593 m² | 1 · 131 m² | 8.9 m · 2 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.
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Of 29,996 companies in sector 62200 we hold annual accounts for 18,385. 15,580 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-09-2017
Fiscal year end30-06
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
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.
Contact details
1 entryE-mail:ruud.reusens@gmail.com