Equity
€31,771 from €98,219 in 2021
Equity fell by 68% in 4 years.
TALOREM
Overview
Lifetime
6 annual accounts with figures on one time axispeak €94,970 (2020)
€5,013▲ €6,605
lowest -€18,530 (2024)
-€12,902▲ €5,628
peak €98,219 (2021)
€31,771▼ 28.9%
€95,295▼ 16.2%
Board2 names since 2020
1 directorBARTHOLOMÉ Emmanuel Jacques
Documentsfilings and deeds
31-08-202631 days late
2025micro format
Gross margin from -€1,592 to €5,013Loss of €12,902Equity from €44,674 to €31,771Debts from €113,701 to €95,295
Key points
from the 2025 annual accountsLosses
-€66,448 in four years
Every financial year from 2022 to 2025 closed with a loss. 2024 was the heaviest.
Turnover
≈ €23,000 estimated
The micro format states no turnover.
Debts
€95,295 75% of the balance sheet
Financial debts 78%Suppliers 2%Other 20%
Of this, €20,703 falls due within a year.
Filings
6 annual accounts 5 late
The 2022 accounts came latest: 31 days after the end of the period.
Position in the sector
-€12,902
Lower net result than 90% of companies in head offices and management consultancy. Sector median €27,142 · 39,376 companies.
Checked score
79
Excellent
Financially stronger than 24% of micro companies in head offices and management consultancy (NACE 70)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.5% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 48,570 companies (NACE 70, micro).
About 5 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.4%
01-2025: 0.4%● unchanged vs 12-2024lowest value
02-2025: 0.4%● unchanged vs 01-2025lowest value
03-2025: 0.4%● unchanged vs 02-2025
04-2025: 0.4%● unchanged vs 03-2025
05-2025: 0.4%● unchanged vs 04-2025
06-2025: 0.4%● unchanged vs 05-2025
07-2025: 0.4%● unchanged vs 06-2025
08-2025: 0.7%▲ +0.3 percentage points vs 07-2025
09-2025: 0.9%▲ +0.2 percentage points vs 08-2025highest value
10-2025: 0.5%▼ -0.4 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: 0.5%● unchanged vs 05-2026
07-2026: 0.5%● unchanged vs 06-2026
08-2026: 0.8%▲ +0.3 percentage points vs 07-2026
09-2026: 0.5%▼ -0.3 percentage points vs 08-2026
10-2026: 0.5%● unchanged vs 09-2026
11-2026: 0.5%● unchanged vs 10-2026
Financial strengthAverage
Score breakdown
raises risk
Liquidity: current ratio 1.71, cash €1,516
Loss of €12,902, the second in a row (financial year 2025)
lowers risk
Sector: Activities of head offices; management consultancy activities (NACE 70)
Size: total assets €127,066
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 70, micro). It does better than 27% of them on solvency, 28% on liquidity, 23% on profitability and 19% on growth.
The bankruptcy probability was computed on 08-11-2026 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 very low class on 30-06-2025, 0.1% 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, 1,133 companies had the same profile as TALOREM has now. Each dot stands for 3 companies, two years later.
86.4%
were still trading
6.6%
stopped another way
6.4%
went bankrupt
Another 0.5% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of TALOREM itself is lower: 0.5% within 12 months. It rests on far more data about TALOREM than the profile alone.
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 1,133 companies, not a prediction for TALOREM. 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 €2,500 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 1.71 (2.39 in 2024), above the usual 1.5. Short-term debt is 16.3% and cash 1.2% of total assets. However, 75% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises risk
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
202122232425
2020 to 2025 · latest year -€12,902
raises risk · 2025 accounts filed 31 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 6 filingsDeviation from the deadline
2025
31 days late
2024
28 days late
2023
on the day
2022
31 days late
2021
26 days late
2020
30 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 6 accounts on average 24 days after the deadline. In the sector (NACE 70), the median for financial year 2024 was 9 days before the deadline, and 32% 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 28 August (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- BARTHOLOMÉ Emmanuel Jacques founderdeed of 23-01-2020
- Goldrat Orianite founderdeed of 23-01-2020
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0741806510
Appointment: Goldrat Oranite (director)
General meeting of 22-07-2024 · Gazette deed
Incorporation
Founders: BARTHOLOMÉ Emmanuel Jacques and Goldrat Orianite · Founding capital of €5,000, 100 shares · Appointments: BARTHOLOMÉ Emmanuel Jacques (director) and GOLDRAT Oranite (director) · published on 23-01-2020 · Gazette deed
First establishment
Beersellaan 76, Uccle
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| TALOREM Uccle | €127,066 | €5,013 | 25.0% | - |
| Esports Engaged Brussels | €140,093 | €5,336 | 41.9% | - |
| AZM CONSULTING Ottignies-Louvain-la-Neuve | €116,802 | €5,231 | 77.8% | - |
| YCB Consult Avelgem | €126,589 | €5,217 | 84.6% | - |
| Accounting4U Wevelgem | €114,951 | €5,672 | 50.5% | - |
| Ysymax Consulting Gembloux | €136,171 | €5,853 | 79.4% | - |
| BL Projects & Services De Panne | €102,424 | €5,110 | 92.2% | - |
These companies have the same main activity as TALOREM: business and other management consultancy (NACE 70200). They are comparable in size and age: total assets between €102,000 and €140,000, founded between 2019 and 2020.
Official details
Source: KBO- Status
- Active since 21-01-2020Normal situation
- Activity
- Business and other management consultancyNACE 70200and 1 other
- Establishment unit
- 2.302.228.8801180 Uccle, since 21-01-2020
- Financial year end
- 31 December
- Peppol
- Reachable since 08-05-2026
Annual accounts 2025
- €5,013
- €12,902▼ 30.4%
- €31,771▼ 28.9%
- €127,066▼ 19.8%
- Filing
- Filed on 31-08-2026
Insights on TALOREM
TALOREM files the micro format. That format states no turnover. The gross margin fell from €94,970 in 2020 to €5,013 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 31-08-2026, 31 days late€5,013
▲ €6,605
-€13,987
▲ €6,605
-€12,902
▲ €5,628
€14,777
▼ 46.8%
25.0%
▼ 3.2 percentage points
1.71
▼ 0.67
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €23,000. Estimated: probably between €11,000 and €47,000.
Balance sheet
balance sheet total €127,066 on 31-12-2025What the company ownsHow it is paid for
in euro
in euro
Position in the sector
25.0%
Higher than 26% of 39,360 companies in 2025.
1.71
Higher than 43% of 38,044 companies in 2025.
-10.2%
Higher than 9% of 38,516 companies in 2025.
TALOREM
Middle half of the sector
80% of the sector
Micro accounts in head offices and management consultancy (NACE 70)
Net result: bottom quarter · Equity: middle half · Balance sheet total: middle half · Working capital: middle half
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|
| Balance sheet: assets | |||||||
20/58 |
127,066 | 158,375 | 196,193 | 231,561 | 288,515 | 284,643 | |
21/28 |
91,586 | 110,586 | 129,586 | 148,586 | 174,058 | 192,677 | |
21 |
91,586 | 110,586 | 129,586 | 148,586 | 167,586 | 186,586 | |
22/27 |
- | - | - | 0 | 6,472 | 6,091 | |
24 |
- | - | - | - | 6,472 | 6,091 | |
29/58 |
35,480 | 47,789 | 66,607 | 82,975 | 114,457 | 91,966 | |
40/41 |
33,964 | 46,184 | 65,606 | 74,781 | 57,836 | 30,829 | |
40 |
1,801 | 1,801 | 1,801 | 2,119 | - | - | |
41 |
32,163 | 44,383 | 63,805 | 72,662 | 57,836 | 30,829 | |
54/58 |
1,516 | 1,605 | 1,001 | 8,194 | 53,457 | 55,830 | |
490/1 |
- | - | - | 0 | 3,164 | 5,307 | |
| Balance sheet: equity and liabilities | |||||||
10/49 |
127,066 | 158,375 | 196,193 | 231,561 | 288,515 | 284,643 | |
10/15 |
31,771 | 44,674 | 63,203 | 81,369 | 98,219 | 76,099 | |
10/11 |
5,000 | 5,000 | 5,000 | 5,000 | 5,000 | 5,000 | |
13 |
26,771 | 39,674 | 58,203 | 76,369 | 93,000 | 71,000 | |
133 |
26,771 | 39,674 | 58,203 | 76,369 | 93,000 | 71,000 | |
14 |
- | - | - | 0 | 219 | 99 | |
17/49 |
95,295 | 113,701 | 132,990 | 150,192 | 190,296 | 208,544 | |
17 |
74,592 | 93,687 | 112,633 | 131,429 | 150,082 | 168,590 | |
170/4 |
74,592 | 93,687 | 112,633 | 131,429 | 150,082 | 168,590 | |
42/48 |
20,703 | 20,014 | 20,357 | 18,763 | 40,214 | 39,954 | |
42 |
19,095 | 18,946 | 20,357 | 18,653 | 18,508 | 18,364 | |
44 |
1,608 | 1,068 | 0 | 0 | 496 | 1,204 | |
440/4 |
1,608 | 1,068 | - | - | 496 | 1,204 | |
45 |
- | - | 0 | 110 | 21,210 | 19,835 | |
450/3 |
- | - | 0 | 110 | 21,210 | 19,835 | |
47/48 |
- | - | - | - | - | 551 | |
| Income statement | |||||||
9900 |
5,013 | -1,592 | -1,580 | -398 | 53,631 | 94,970 | |
630 |
19,000 | 19,000 | 19,000 | 19,000 | 22,612 | 3,824 | |
640/8 |
- | - | - | - | 446 | 1,581 | |
9901 |
-13,987 | -20,592 | -20,580 | -19,398 | 30,573 | 89,565 | |
75/76B |
2,074 | 3,278 | 3,607 | 4,122 | 2,440 | 1,496 | |
75 |
2,074 | 3,278 | 3,607 | 4,122 | 2,440 | 1,496 | |
65/66B |
989 | 1,216 | 1,193 | 1,464 | 1,811 | 752 | |
65 |
989 | 1,216 | 1,193 | 1,464 | 1,811 | 752 | |
9903 |
-12,902 | -18,530 | -18,166 | -16,740 | 31,202 | 90,309 | |
67/77 |
- | - | - | 110 | 9,082 | 19,210 | |
9904 |
-12,902 | -18,530 | -18,166 | -16,850 | 22,120 | 71,099 | |
9905 |
-12,902 | -18,530 | -18,166 | -16,850 | 22,120 | 71,099 | |
| Appropriation of the result | |||||||
9906 |
-12,902 | -18,530 | -18,166 | -16,631 | 22,219 | 71,099 | |
14P |
- | - | - | 219 | 99 | - | |
791/2 |
12,902 | 18,530 | 18,166 | 16,631 | - | - | |
691/2 |
- | - | - | - | 22,000 | 71,000 | |
6921 |
- | - | - | - | 22,000 | 71,000 | |
| Document | |||||||
The notes to these accounts have 7 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 31-08-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank2025 annual accounts filed 31 days after the deadline. Filed on 31 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00506678.
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 31-08-2026 | 2026-00506678 | |
| 31-12-2024 | micro format | 28-08-2025 | 2025-00476882 | |
| 31-12-2023 | micro format | 31-07-2024 | 2024-00333410 | |
| 31-12-2022 | micro format | 31-08-2023 | 2023-00425418 | |
| 31-12-2021 | micro format | 26-08-2022 | 2022-20385063 | |
| 31-12-2020 | micro format | 30-08-2021 | 2021-63900560 |
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|
| 5,013 | -1,592 | -1,580 | -398 | 53,185 | 93,389 | ||
| 6,098 | 470 | 834 | 2,150 | 44,732 | 74,923 | ||
| 0 | 0 | 0 | -6,472 | 3,993 | 196,501 | ||
| -89 | 604 | -7,193 | -45,263 | -2,373 | - | ||
| 14,777 | 27,775 | 46,250 | 64,212 | 74,243 | 52,012 | ||
| 25.0% | 28.2% | 32.2% | 35.1% | 34.0% | 26.7% | ||
| 1.71 | 2.39 | 3.27 | 4.42 | 2.85 | 2.30 | ||
| 3.00 | 2.55 | 2.10 | 1.85 | 1.94 | 2.74 | ||
| -40.6% | -41.5% | -28.7% | -20.7% | 22.5% | 93.4% | ||
| -10.2% | -11.7% | -9.3% | -7.3% | 7.7% | 25.0% | ||
| 5.07 | -1.31 | -1.32 | -0.27 | 29.37 | - |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired| Item | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Tangible fixed assets | - | - | - | - | €3,993 |
| €19,000 | €19,000 | €19,000 | €19,000 | €22,612 |
Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)
Insights on TALOREM
The operating result for 2025 is a loss of €13,987, smaller than the loss of €20,592 in 2024.
Debt's share of the balance-sheet total rises from 71.8% to 75.0%. Equity and debt are lower.
Board & ownership
Board
1 director, no change since 2024Director
appointed by deed of 23-01-2020
term without a fixed end
listed in the 2024 annual accounts, filed on 28-08-2025
Mandates through the years
2 names, the dashed line is todayBARTHOLOMÉ Emmanuel Jacques
Director
Director
Goldrat Oranite
Director
Director
BoardEarlierend not dated
Mandates as a list
- BARTHOLOMÉ Emmanuel Jacques
- Director, appointed by deed of 23-01-2020, still in office
- Goldrat Oranite
- Director, appointed by deed of 23-01-2020, no longer listed in the 2024 annual accounts
Control
Founders
BARTHOLOMÉ Emmanuel Jacques, Goldrat Orianite
This company
TALOREM
Equity €31,771
Loss €12,902 in 2025
Capital
- Contribution
- €5,000
- Source
- 2025 annual accounts
Articles of association
deed of 23-01-2020 (in French)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- “Assemblée générale peut mettre fin en toute hypothèse pour justes motifs sans préavis ni indemnité, assemblée fixe nombre durée mandat et si…”“Portée aux frais généraux indépendamment représentation voyages déplacements, assemblée générale majorité absolue voix ou actionnaire unique…”
- Kind of sharesThe articles set which classes of shares exist and what rights each class carries.
- 100 shares
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- First Friday of June at 19:00
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor
- Liquidation ruleIn a liquidation the creditors are paid first. What is left goes to the shareholders.
- “Assistés par médecins inscrits au Tableau de l'Ordre des Médecins pour matières médicales,vie privée patients,gestion dossiers…”
Founders
At incorporation
deed of 23-01-2020 ↗
- BARTHOLOMÉ Emmanuel Jacques founder
- Goldrat Orianite founder
Network & group
No group
TALOREM has no parent and no holdings in its annual accounts. BARTHOLOMÉ Emmanuel Jacques is the only director. TALOREM shares no director with another company.
Timeline
Timeline
11 events since 2020Board
Filings
Financial
Establishments
2020202220242026
Deadline for the 2026 accounts: 31-07-2027
2026
Annual accounts 2025 filed NBBmicro format · 31 days late
Registered in the Peppol Directory Reachable for e-invoices through 0208:0741806510
2025
Annual accounts 2024 filed PDFmicro format · 28 days late
2024
Weakest financial year net -€18,530 The net result drops to -€18,530, the lowest from 2020 to 2025. It recovers the following year.
- General meeting, 22-07-2024
- Director appointment, Goldrat Oranite
Annual accounts 2023 filed PDFmicro format · on the deadline day
2023
Annual accounts 2022 filed PDFmicro format · 31 days late
2022
Annual accounts 2021 filed PDFmicro format · 26 days late
2021
Annual accounts 2020 filed PDFmicro format · 30 days late
2020
IncorporationFounders: BARTHOLOMÉ Emmanuel Jacques and Goldrat Orianite · Founding capital of €5,000, 100 shares · Appointments: BARTHOLOMÉ Emmanuel Jacques (director) and GOLDRAT Oranite (director) · published on 23-01-20206 points ▸
- Founder, BARTHOLOMÉ Emmanuel Jacques (constituant)
- Founder, Goldrat Orianite (constituante)
- Founding capital, €5,000, 100 shares
- Registered office clause, Avenue de Beersel, numéro 76, 1180 Uccle
- Director appointment, BARTHOLOMÉ Emmanuel Jacques
- Director appointment, GOLDRAT Oranite
- The deed holds 4 more points.
First establishment Beersellaan 76, Uccle
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
On 21 January 2020, TALOREM was incorporated as a private limited company.1 BARTHOLOMÉ Emmanuel Jacques is director of the company, appointed by deed of 23-01-2020.2 Total assets went from €284,643 in 2020 to €127,066 in 2025.3
Company details
Identity
- Enterprise number
- 0741.806.510
- VAT number
- BE 0741.806.510
- Peppol ID
- 0208:0741806510
- Other Peppol ID
- 9925:BE0741806510
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 21-01-2020
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- First Friday of June at 19:00deed of 23-01-2020 (in French)
- Peppol
- Reachable since 08-05-2026Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- TALOREM in French
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 23-01-2020 (in French)
- Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
- “Région de Bruxelles-Capitale”deed of 23-01-2020 (in French)
Activities
NACEBEL 202570200
Business and other management consultancy main activity
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Beersellaan 76 registered office 1180 Uccle 82300 Organisation of conventions and trade shows | 21-01-2020 | 2.302.228.880 |
Buildings and parcels at the address
- Ground area
- 198 m²
- Buildings
- 72 m²
- Volume, LiDAR
- 598 m³
- Tallest building
- 11.1 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 21616G0359/00B004 | 198 m² | 1 · 72 m² | 11.1 m · 3 |
Contact
Phone
+32 475 79 62 96 establishment in Ukkel