Active BE 0442.740.464Public limited company

TALMASSE ET FILS

Noblehaye 21 ·4651 Herve, Belgium· 35 yrs active

Sector: Roofing work (43410)

Conclusion Checked

TALMASSE ET FILS has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €116k and a net result of €241k. The computed 12-month bankruptcy probability is 0.6% (low).

Based on the State Gazette, CBE and 2 annual accounts.

Key figures

Equity	€116k
Net result	€241k
Staff (FTE)	1
Active	35 yrs

Financial profile 5 of 5 axes measured · computed by Checked

68 / 100

Strong profile, led by profitability.

All 5 axes are computed from data Checked has read.

Health 63

Profitability 100

Solvency 24

Growth 52

Stability 100

Bankruptcy probability (12 mo) Checked model v1 · free

0.6% Low

0%0,5%1,5%4%10%≥25%

How do we compute this?

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

Long-established

Founded in 1990, 35 years in business.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags0 events

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Checked score FY 2025 · computed

63 / 100 Healthy

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Financial overview35 NBB filings

Annual accounts filed on 29-01-2026 with the NBB · fiscal year 2025 · full schema

RevenueOperating resultNet result

Revenue

€0

- 24-25

EBITDA

€339k

-27.9% 24-25

Net profit

€241k

-27.9% 24-25

Cash flow

€283k

-24.0% 24-25

Total assets

€690k

+1.6% 24-25

Equity

€116k

+1.7% 24-25

Working capital

€52k

+358.3% 24-25

Employees (FTE)

1

0.0% 24-25

Staff costs

€68k

+0.7% 24-25

Income taxes

€79k

-30.2% 24-25

Dividends

€240k

-27.3% 24-25

Debt

€574k

+1.6% 24-25

Debt ≤ 1y

€573k

+1.6% 24-25

Debt > 1y

€0

- 24-25

Current ratio

1.09

+6.9% 24-25

Quick ratio

0.99

+9.5% 24-25

Solvency

16.8%

+0.1% 24-25

Debt / equity

4.95

-0.1% 24-25

ROE

208.0%

-29.1% 24-25

ROA

35.0%

-29.0% 24-25

Interest coverage

4049.02

+676.9% 24-25

Figures by fiscal year and ratios

Highlight YoY changes (±10%)

Fiscal year	2025
Deposit	full schema
Revenue	€0
EBITDA	€339k
Net profit	€241k
Cash flow	€283k
Staff costs	€68k
Income taxes	€79k
Dividends	€240k
Total assets	€690k
Equity	€116k
Debt	€574k
of which ≤ 1y	€573k
of which > 1y	€0
Working capital	€52k
Employees (FTE)	1.0

Ratios (computed)

	2025
Current ratio	1.09
Quick ratio	0.99
Working capital ratio	7.5%
Solvency	16.8%
Debt / equity	4.95
Long-term debt ratio	0.00
Interest coverage	4049.02
Gross margin	-
Net margin	-
ROA	35.0%
ROE	208.0%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	0.00
Days inventory (DSI)	-

This table shows the latest fiscal year. 1 prior year, with figures and ratios, belongs to a paid plan. See plans →

Balance-sheet composition 2025

Assets

Fixed assets €66k · 9.6% Current assets €624k · 90.5%

Equity & liabilities

Equity €116k · 16.8% Debt €574k · 83.2%

Full annual accounts (26 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€690k
Fixed assets	21/28	€66k
Intangible fixed assets	21	€63
Tangible fixed assets	22/27	€64k
Financial fixed assets	28	€2k
Current assets	29/58	€624k
Stocks & contracts in progress	3	€60k
Amounts receivable within one year	40/41	€96k
Cash & bank	54/58	€459k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€690k
Equity	10/15	€116k
Contributions / capital	10/11	€62k
Reserves	13	€53k
Amounts payable	17/49	€574k
Amounts payable after one year	17	€0
Amounts payable within one year	42/48	€573k
Trade debts payable within one year	44	€175k
Income statement
Turnover	70	€0
Gross operating margin	9900	€412k
Operating result	9901	€297k
Financial income	75	€23k
Financial charges	65	€84
Result before taxes	9903	€320k
Income taxes	67/77	€79k
Net result for the period	9904	€241k
Result to be appropriated	9905	€241k

Legal Structure

NACE primary	Roofing work(43410)
Legal form	Public limited company(014)
Incorporation	18-12-1990
Status	Active
Postal code	4651

Establishment units 1 location

Noblehaye 21, 4651 Herve

Manufacture of machinery and equipment not elsewhere classified

since 19912.130.582.135

Real-estate footprint Source: CBE × cadastre

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
63006D0417/00W000	Wallonia	549 m²	1 · 112 m²	8.3 m · 2 fl.

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.

Updates 10 events

All 10 NBB filing 10

2016 2016: 1 NBB filing 2017 2018 2018: 1 NBB filing 2019 2019: 1 NBB filing 2020 2020: 2 NBB filings 2021 2022 2022: 1 NBB filing 2023 2023: 1 NBB filing 2024 2024: 1 NBB filing 2025 2025: 1 NBB filing 2026 2026: 1 NBB filing

2026

29-01-2026 NBB filing Annual accounts filed

fiscal year 2025 · full schema

2025

29-01-2025 NBB filing Annual accounts filed

fiscal year 2024 · full schema

2024

11-01-2024 NBB filing Annual accounts filed

fiscal year 2023 · full schema

2023

18-01-2023 NBB filing Annual accounts filed

fiscal year 2022 · full schema

2022

20-01-2022 NBB filing Annual accounts filed

fiscal year 2021 · full schema

2020

14-12-2020 NBB filing Annual accounts filed

fiscal year 2020 · full schema

15-01-2020 NBB filing Annual accounts filed

fiscal year 2019 · full schema

2019

10-01-2019 NBB filing Annual accounts filed

fiscal year 2018 · full schema

2018

12-01-2018 NBB filing Annual accounts filed

fiscal year 2017 · full schema

2016

12-10-2016 NBB filing Annual accounts filed

fiscal year 2016 · full schema

Belgian State Gazette reading coverage 0 of 4 acts read

We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Credit advice verdict per customer and amount

Company registry (CBE) Crossroads Bank

Activities

Manufacture of furniture3100236130Roofing work4341045220Manufacture of dining room, living room, bedroom and bathroom furniture3100436111Construction of utility projects for electricity and telecommunications42220Joinery installation43320452154542145422Retail sale of lighting equipment47552Retail trade4759252442

Names & trade names

Legal nameFR

TALMASSE ET FILS

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