Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of TELE - DIFF is 0.9% (low). The 2023 annual accounts show equity of €305k and a net result of €44k. Equity is growing by ~7.8% per year across the filed fiscal years. Its solvency ranks better than 95% of 111 sector peers (fiscal year 2023). The company has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 6 annual accounts.
Signals
3 signals · with evidenceStrong solvency vs sector
Solvency is in the sector's strongest quartile: better than 95% of 111 peers (2023). A comfortable equity buffer.
View the sector comparison Consistently profitable
Positive net result in the two most recent financial years (2022 and 2023).
View the result trend Growing equity
Equity grew over 2021-2023. Profits are largely retained rather than distributed.
View the equity trend Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.
Trust signals
2 signalsLong-established
Founded in 2000, 25 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 Flags
No administrative flags
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone0.9%
Low
0%0,5%1,5%4%10%≥25%
Higher-failure-rate region
+Long track record
−Annual accounts: weaker financial profile
+
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Financials
Turnover€313k+8.5%
EBIT margin21.3%+11.6pp
Net result€44k+63.4%
Working capital€288k+17.0%
Annual accounts & ratios
Source: NBB · 2023Annual accounts filed on 01-10-2024 with the NBB · fiscal year 2023 · volledig
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing
Equity: growth of ~7.8%/year over 6 fiscal years, indicative, assuming unchanged policy.
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
Sector comparison
Fiscal year 2023 · NACE 73, Advertising & market research · compared within the same schema type (full schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 92.3% | 32.6% | |
| Net result | €44k | €30k | |
| Equity | €305k | €112k | |
| Gross operating margin | €173k | €57k | |
| Staff costs | €92k | €256k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Sector position over time
Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).
P95
Stable position over 2020-2023
· n=51-111
P61
Improving position over 2020-2023
· n=51-113
P66
Improving position over 2020-2023
· n=51-111
P67
Improving position over 2020-2023
· n=43-100
Describes the position versus peers, not a forecast.
€313k
+8.5%
-96% vs sector
€73k
+117.3%
+29% vs sector
€44k
+63.4%
-2% vs sector
€51k
+55.1%
+12% vs sector
€331k
+18.8%
+5% vs sector
€305k
+16.8%
+31% vs sector
€288k
+17.0%
+24% vs sector
2
0.0%
-91% vs sector
€92k
+48.5%
-90% vs sector
€19k
+14487.1%
+1% vs sector
€26k
+48.5%
-59% vs sector
€26k
+48.5%
-59% vs sector
12.28
-19.8%
+144% vs sector
12.28
-19.8%
+144% vs sector
92.3%
-1.6%
+15% vs sector
0.08
+27.1%
-74% vs sector
14.4%
+39.9%
-19% vs sector
13.3%
+37.6%
+57% vs sector
14.1%
+50.6%
+231% vs sector
23.4%
+100.2%
far above sector median
20.09
-37.1%
+8% vs sector
Figures by fiscal year
| Fiscal year | 2023 |
|---|---|
| Revenue | €313k |
| EBITDA | €73k |
| Net profit | €44k |
| Cash flow | €51k |
| Staff costs | €92k |
| Income taxes | €19k |
| Dividends | - |
| Total assets | €331k |
| Equity | €305k |
| Debt | €26k |
| of which ≤ 1y | €26k |
| of which > 1y | - |
| Working capital | €288k |
| Employees (FTE) | 2.0 |
Ratios (computed)
| 2023 | |
|---|---|
| Current ratio | 12.28 |
| Quick ratio | 12.28 |
| Working capital ratio | 87.0% |
| Solvency | 92.3% |
| Debt / equity | 0.08 |
| Long-term debt ratio | - |
| Interest coverage | 20.09 |
| Gross margin | 55.3% |
| Net margin | 14.1% |
| ROA | 13.3% |
| ROE | 14.4% |
| EBITDA margin | 23.4% |
| Days sales outstanding | 120d |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2023
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2023 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €331k |
| Fixed assets | 21/28 | €17k |
| Tangible fixed assets | 22/27 | €15k |
| Financial fixed assets | 28 | €3k |
| Current assets | 29/58 | €314k |
| Amounts receivable within one year | 40/41 | €103k |
| Cash & bank | 54/58 | €211k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €331k |
| Equity | 10/15 | €305k |
| Contributions / capital | 10/11 | €19k |
| Reserves | 13 | €8k |
| Accumulated profits (losses) | 14 | €278k |
| Amounts payable | 17/49 | €26k |
| Amounts payable within one year | 42/48 | €26k |
| Income statement | ||
| Turnover | 70 | €313k |
| Gross operating margin | 9900 | €173k |
| Operating result | 9901 | €67k |
| Financial charges | 65 | €4k |
| Result before taxes | 9903 | €63k |
| Income taxes | 67/77 | €19k |
| Net result for the period | 9904 | €44k |
| Result to be appropriated | 9905 | €44k |
You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan.
See plans →
Ratios computed by Checked.
Health barometer
FY 2023 · computed100
/ 100
Excellent
Unlock the full score breakdown, per-year score history and the indicative credit limit with Plus.
See plans →Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.
Directors
Directors & mandates
2 directorsCurrent directors & mandates
-
Current20-08-2024 → present
Former directors (1)
-
Former- → 20-08-2024
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.
Insolvency mandates
No insolvency mandates (liquidators, administrators) on record for this company.
Legal Structure
| NACE primary | Activiteiten van reclamebureaus(73110) |
| Legal form | Private limited company(610) |
| Incorporation | 05-09-2000 |
| Status | Active |
| Postal code | 1082 |
Structure & network
Connections & network
28 connected companiesNetwork connections
Shared address
→
Shared address
→
Shared address
→
Shared address
→
Shared address
→
Shared address
→
Shared address
→
Shared address
→
Shared address
→
Shared address
→
Shared address
→
Shared address
→
Shared address
→
Shared address
→
Shared address
→
Shared address
→
Shared address
→
Shared address
→
Shared address
→
Shared address
→
Shared address
→
Shared address
→
Shared address
→
Shared address
→
Shared address
→
Shared address
→
Shared address
→
Shared address
→
Connections derived from shared directors, addresses, shareholders and group structure in the Belgian State Gazette.
Locations & real estate
Establishment units
1 locationKoning Albertlaan 115, 1082 Sint-Agatha-Berchem
since 20012.094.368.768
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area156 m²
Buildings1
Building footprint85 m²
Volume (LiDAR)959 m³
Tallest building14.6 m · ±4 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21003A0164/00B005 | Brussels | 156 m² | 1 · 85 m² | 14.6 m · 4 fl. |
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgisch Staatsblad · acts
5 acts Address history · 1
07-06-2006
v3.2
All acts · 5
updated 4 months ago
2026
13-03-2026 1 director appointed, 1 resigning
- Benrmassaoud Issam, Bestuurder
- Benmassaoud Alaë, Bestuurder
2024
17-09-2024 1 director appointed, 1 resigning
21-05-2024 Change in the board of directors
Summary:
v3.2
2022
23-12-2022 Change in the board of directors
Summary:
v3.2
2006
07-06-2006 Registered office moved within Bruxelles
- avenue de jette 1, 1081 Bruxelles → Place du Champ de Mars 5, 1050 Bruxelles
Summary:
v3.2
Analysis
Snowflake analysis
financial profile on 5 axes89
/ 100
Exceptional profile, strong across almost every axis.
Health
100
Profitability
89
Solvency
100
Growth
57
Stability
100
Ask AI about this company
Checked AISoon: ask questions about this dossier, risks, curator, sector comparison, answered from the official data on this page.
TryWhat are the main risks?Any recent red flags?Compare to sector peers
Coming soonAI due-diligence brief
Checked AIGenerate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.
Coming soon
The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works
Credit advice
verdict per customer and amountSimilar
Similar companies
Same sector, ranked by comparable sizeCompany registry
Company registry (CBE)
Crossroads BankActivities
Reclamebureaus73110Activiteiten van reclamebureaus73110Publiciteitsagentschappen74401Exploitatie van taxi's49320Diensten voor personenvervoer op aanvraag per voertuig met chauffeur49330
Primary activity highlighted.
Names & trade names
| Legal nameFR | TELE - DIFF |
Registered office
Koning Albertlaan 115 bus 1
1082 Sint-Agatha-Berchem, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.