Investments
€9,196 49.3 × depreciation
Green is investment, beige is depreciation.
APSYZ
Lifetime
2 annual accounts with figures on one time axispeak €71,308 (2025)
€71,308▲ 28.3%
peak €40,493 (2025)
€40,493▲ 49.4%
peak €70,588 (2025)
€70,588▲ 135%
€1,246▲ 82.3%
Board2 names since 2024
2 directorsSZEDLESKI Christelle Marie Ghislaine and 1 other
Documentsfilings and deeds
30-07-20261 day before the deadline
2025abbreviated format
Turnover from €55,560 to €71,308Gross margin from €37,005 to €55,172Result from €27,095 to €40,493Equity from €30,095 to €70,588Debts from €683 to €1,246Cash from €30,779 to €60,095
Key points
from the 2025 annual accountsBoard
1 left
A director left. Latest change 02-01-2026 · 1 in office.
Position in the sector
98.3%
Higher solvency than 95% of companies in human health. Sector median 59.2% · 3,053 companies.
Checked score
98
Excellent
Financially stronger than 87% of micro companies in human health (NACE 86)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: < 0.1% across 24,185 companies (NACE 86, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
04-2025: 0.3%
05-2025: 0.3%● unchanged vs 04-2025
06-2025: 0.3%● unchanged vs 05-2025
07-2025: 0.3%● unchanged vs 06-2025
08-2025: 0.3%● unchanged vs 07-2025
09-2025: 0.3%● unchanged vs 08-2025highest value
10-2025: < 0.1%▼ -0.3 percentage points vs 09-2025
11-2025: < 0.1%● unchanged vs 10-2025
12-2025: < 0.1%● unchanged vs 11-2025
01-2026: < 0.1%● unchanged vs 12-2025
02-2026: < 0.1%● unchanged vs 01-2026
03-2026: < 0.1%● unchanged vs 02-2026
04-2026: < 0.1%● unchanged vs 03-2026
05-2026: < 0.1%● unchanged vs 04-2026
06-2026: < 0.1%● unchanged vs 05-2026
07-2026: < 0.1%● unchanged vs 06-2026
08-2026: < 0.1%● unchanged vs 07-2026
09-2026: < 0.1%● unchanged vs 08-2026
10-2026: < 0.1%● unchanged vs 09-2026lowest value
11-2026: < 0.1%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
raises risk
Founded in 2024
lowers risk
Sector: Human health activities (NACE 86)
Liquidity: current ratio 58.35, cash €60,095
Equity €70,588 (98.3% of total assets)
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 86, micro). It does better than 82% of them on solvency, 95% on liquidity, 80% on profitability and 89% 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 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, 39,278 companies had the same profile as APSYZ has now. Each dot stands for 99 companies, two years later.
95.8%
were still trading
2.3%
stopped another way
1.8%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of APSYZ itself is lower: < 0.1% within 12 months. It rests on far more data about APSYZ 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 39,278 companies, not a prediction for APSYZ. 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 €6,000 on 30-day terms, only on tighter conditions: young company (under 3 years) without a track record
Liquidity is ample, with a current ratio of 58.35 (45.04 in 2024), above the usual 1.5. Short-term debt is 1.5% and cash 83.7% of total assets. 1.7% 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 30-07-2026, 1 day ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
1 day early
2024
28 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 2 accounts on average 14 days after the deadline. In the sector (NACE 86), the median for financial year 2024 was 7 days before the deadline, and 36% 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.
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- LEROY Fabian Michel Laurent 50 sharesdeed of 22-03-2024
- SZEDLESKI Christelle Marie Ghislaine 50 sharesdeed of 22-03-2024
Recent changes
Resignation: Fabian Leroy (director)
General meeting of 02-01-2026 · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1007357470
Incorporation
Founding capital of €3,000, 100 shares · Founders: LEROY Fabian Michel Laurent and SZEDLESKI Christelle Marie Ghislaine · Appointments: SZEDLESKI Christelle Marie Ghislaine (director) and LEROY Fabian Michel Laurent (director) · published on 22-03-2024 · Gazette deed
First establishment
Drève des Arches 12, Gesves
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| APSYZ Gesves | €71,834 | €55,172 | 98.3% | - |
| Curioza Tessenderlo-Ham | €74,814 | €48,189 | 75.9% | - |
| Op Dreef Essen | €85,344 | €49,611 | 95.2% | - |
| SALEV Uccle | €87,038 | €53,434 | 85.5% | - |
| PSYCHO SEXO Sombreffe | €95,843 | €51,825 | 61.3% | - |
| ARTEMISIA SENAY Gembloux | €58,690 | €51,537 | 76.4% | - |
| Heartlink Psychology Leuven | €72,854 | €58,472 | 56.8% | - |
These companies have the same main activity as APSYZ: psychology services (NACE 86931). They are comparable in size and age: total assets between €58,700 and €95,800, founded in 2024.
Official details
Source: KBO- Status
- Active since 20-03-2024Normal situation
- Activity
- Psychology servicesNACE 86931and 3 others
- Establishment unit
- 2.358.898.2605340 Gesves, since 20-03-2024
- Financial year end
- 31 December
- Peppol
- Reachable since 04-12-2025
Annual accounts 2025
- €71,834▲ 133%
- Filing
- Filed on 30-07-2026, 1 day before the end of the filing period
Insights on APSYZ
APSYZ has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €70,588 and a net result of €40,493.
Its solvency ranks better than 95% of 3,053 sector peers (NACE 86, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).
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 APSYZ
- What is the company number of APSYZ?
- The company number of APSYZ is 1007.357.470. The VAT number is the same number with BE in front: BE 1007.357.470.
- Where is APSYZ based?
- The registered office is at Drève des Arches 12, 5340 Gesves.Company details
- What does APSYZ do?
- According to the KBO register, the main activity is psychology services (NACE 86931).
- What is the legal form of APSYZ?
- APSYZ is a private limited company (BV).
- When was APSYZ founded?
- APSYZ was founded on 20-03-2024.
- Is APSYZ still active?
- Yes, APSYZ is an active enterprise in the KBO register.
- What is the turnover of APSYZ?
- The turnover of APSYZ was €71,308 in financial year 2025, according to the filed annual accounts.Financials
- Is APSYZ profitable?
- In financial year 2025, APSYZ made a profit of €40,493.
- Where can I find the annual accounts of APSYZ?
- APSYZ filed 2 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of APSYZ due?
- APSYZ must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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