Turnover
≈ €290,000 estimated
The micro format states no turnover.
TALMO
Lifetime
20 annual accounts with figures on one time axis, 22 filings since 2004peak €127,656 (2024)
€81,987▼ 35.8%
lowest -€8,385 (2019)
€73▼ 99.6%
peak €71,138 (2025)
€71,138▲ 0.1%
€37,831▲ 13.7%
peak 3.5 FTE (2019)
-not published
Board1 name since 2003
1 directorTALEB Mohamad
Documentsfilings and deeds
13-07-202618 days before the deadline
2025micro format
Gross margin from €127,656 to €81,987Result from €16,799 to €73Cash from €53,721 to €21,779
Key points
from the 2025 annual accountsChecked score
82
Excellent
Financially stronger than 53% of micro companies in food and beverage service (NACE 56)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.6% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 1.8% across 23,788 companies (NACE 56, micro).
About 6 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.6%
01-2025: 0.6%● unchanged vs 12-2024
02-2025: 0.6%● unchanged vs 01-2025
03-2025: 0.6%● unchanged vs 02-2025
04-2025: 0.6%● unchanged vs 03-2025
05-2025: 0.6%● unchanged vs 04-2025
06-2025: 0.5%▼ -0.1 percentage points vs 05-2025
07-2025: 0.6%▲ +0.1 percentage points vs 06-2025
08-2025: 0.8%▲ +0.2 percentage points vs 07-2025
09-2025: 1.0%▲ +0.2 percentage points vs 08-2025highest value
10-2025: 0.5%▼ -0.5 percentage points vs 09-2025
11-2025: 0.5%● unchanged vs 10-2025
12-2025: 0.5%● unchanged vs 11-2025
01-2026: 0.5%● unchanged vs 12-2025
02-2026: 0.5%● unchanged vs 01-2026
03-2026: 0.5%● unchanged vs 02-2026
04-2026: 0.5%● unchanged vs 03-2026
05-2026: 0.5%● unchanged vs 04-2026
06-2026: 0.4%▼ -0.1 percentage points vs 05-2026lowest value
07-2026: 0.5%▲ +0.1 percentage points vs 06-2026
08-2026: 0.6%▲ +0.1 percentage points vs 07-2026
09-2026: 0.6%● unchanged vs 08-2026
10-2026: 0.6%● unchanged vs 09-2026
11-2026: 0.6%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Sector: Food and beverage service activities (NACE 56)
1 of the last 3 accounts late
lowers risk
Liquidity: current ratio 2.54, cash €21,779, halved
Founded in 2003
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 56, micro). It does better than 80% of them on solvency, 64% on liquidity, 28% on profitability and 41% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 17,041 companies had the same profile as TALMO has now. Each dot stands for 43 companies, two years later.
94.4%
were still trading
4.9%
stopped another way
0.5%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of TALMO itself: 0.6% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 17,041 companies, not a prediction for TALMO. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €5,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 2.54 (2.7 in 2024), above the usual 1.5. Short-term debt is 34.7% and cash 20% of total assets. 34.7% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
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 13-07-2026, 18 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
18 days early
2024
57 days late
2023
25 days late
2022
66 days late
2021
19 days late
2020
3 days early
2019
31 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 25 days after the deadline. In the sector (NACE 56), the median for financial year 2024 was 7 days after the deadline, and 53% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 26 August (4 of the last 5 accounts filed within 40 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0861921412
Change of role: TALEB Mohamad, from manager to director
Director discharge: TALEB Mohamad · General meeting of 08-05-2024 · Gazette deed
First establishment
Sint-Kristoffelsstraat 20, Brussels
Incorporation
published on 05-12-2003 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| TALMO Brussels | €108,968 | €81,987 | 65.3% | - |
| BALTHAZAR BRUSSELS Brussels | €106,758 | €70,991 | 17.4% | - |
| EUROCAF Brussels | €96,764 | €76,419 | 100.0% | - |
| BIRMINGHAM INVEST Molenbeek-Saint-Jean | €116,859 | €66,028 | 82.5% | - |
| GASTHOF 1618 Diest | €113,126 | €76,819 | 64.8% | - |
| LAUMAR Ronse | €104,895 | €79,943 | 31.7% | - |
| LE HOGNOUL Awans | €104,200 | €95,177 | 0.4% | - |
These companies have the same main activity as TALMO: cafés and bars (NACE 56301). They are comparable in size and age: total assets between €96,800 and €117,000, founded between 2001 and 2006.
Official details
Source: KBO- Status
- Active since 28-11-2003Normal situation
- Activity
- Cafés and barsNACE 56301and 2 others
- Joint committee
- 302Hotels and catering · annual accounts 2022
- Establishment unit
- 2.134.316.0411000 Brussels, since 01-01-2004
- Financial year end
- 31 December
- Peppol
- Reachable since 31-12-2025
Annual accounts 2025
- €108,968▲ 4.4%
- Employeeson 31-12-2025
- 2
- Filing
- Filed on 13-07-2026, 18 days before the end of the filing period
Insights on TALMO
TALMO files the micro format. That format states no turnover. The gross margin rose from -€1,550 in 2006 to €81,987 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about TALMO
- What is the company number of TALMO?
- The company number of TALMO is 0861.921.412. The VAT number is the same number with BE in front: BE 0861.921.412.
- Where is TALMO based?
- The registered office is at Sint-Kristoffelsstraat 20, 1000 Brussels.Company details
- What does TALMO do?
- According to the KBO register, the main activity is cafés and bars (NACE 56301).
- What is the legal form of TALMO?
- TALMO is a private limited company (BV).
- When was TALMO founded?
- TALMO was founded on 28-11-2003.
- Is TALMO still active?
- Yes, TALMO is an active enterprise in the KBO register.
- How many employees does TALMO have?
- TALMO had an average of 2.1 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does TALMO fall under?
- In its 2022 annual accounts, TALMO states joint committee 302 (Hotels and catering).
- What is the turnover of TALMO?
- The turnover in financial year 2025 is ≈ €290,000. This figure is estimated from the gross margin of €81,987 and 36 comparable companies (NACE 56301). It probably lies between €250,000 and €390,000.
- Is TALMO profitable?
- In financial year 2025, TALMO made a profit of €73.
- Where can I find the annual accounts of TALMO?
- TALMO filed 22 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of TALMO due?
- TALMO must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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