APSYZ
ActiveAPSYZ has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €71k and a net result of €40k. Its solvency ranks better than 95% of 2324 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
98
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth85
Track record82
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days only on tighter terms
Liquidity ample (current ratio 58.35 against 45.04 in 2024; short-term debt: 1.5% and cash: 83.7% of total assets), and 1.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 86
Relative position
BE, all sectors
reference
Sector 86
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
98.3%
Return on assets
56.4%
Age of the figures
9 mo
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 d early
2024
28 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€71k▲ 28.3%
2024 · €56k
2024: €56k
2024 → 2025
EBIT margin
76.5%▲ 10.6pp
2024 · 65.9%
2024: 65.9%
2024 → 2025
Net result
€40k▲ 49.4%
2024 · €27k
2024: €27k
2024 → 2025
Working capital
€62k▲ 105%
2024 · €30k
2024: €30k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Turnover€56k-€71k▲ 28.3%
Equity€30k-€71k▲ 135%
Operating result€37k-€55k▲ 49.1%
Net result€27k-€40k▲ 49.4%
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 49% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €72k
Fixed assets
€9k
Current assets
€63k
Equity and liabilities €72k
Equity
€71k▲ 135%
Debt
€1k▲ 82.3%
The debt ratio falls from 2.2% to 1.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€55k
Cash flow
€41k
Solvency
98.3%▲
2024 · 97.8%
Current ratio
58.35▲
2024 · 45.04
Quick ratio
58.35▲
2024 · 45.04
Debt / equity
0.02▼
2024 · 0.02
ROE
57.4%▼
2024 · 90.0%
ROA
56.4%▼
2024 · 88.0%
Interest coverage
829.88
Debt
€1k▲
2024 · €683
Debt ≤ 1 year
€1k▲
2024 · €683
Income taxes
€14k▲
2024 · €9k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€31k€72k▲
Fixed assets21/28-€9k
Tangible fixed assets22/27-€9k
Land and buildings22-€9k
Current assets29/58€31k€63k▲
Amounts receivable within one year40/41€0€3k▲
Trade receivables40€0-
Other amounts receivable41€0€3k▲
Cash at bank and in hand54/58€31k€60k▲
Deferred charges and accrued income490/1-€6
Equity and liabilities
Total equity and liabilities10/49€31k€72k▲
Equity10/15€30k€71k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€27k€68k▲
Amounts payable17/49€683€1k▲
Amounts payable within one year42/48€683€1k▲
Trade debts44€0€124▲
Suppliers440/4€0€124▲
Taxes, remuneration and social security45€683€683=
Taxes450/3€683€683=
Other amounts payable47/48-€269
Accrued charges and deferred income492/3-€169
Income statement
Code20242025
Turnover70€56k€71k▲
Goods, raw materials, services and sundry goods60/61€19k€16k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€186
Other operating charges640/8€387€400▲
Gross operating margin9900€37k€55k▲
Operating profit (loss)9901€37k€55k▲
Financial income75/76B€31-
Recurring financial income75€31-
Financial charges65/66B€57€66▲
Recurring financial charges65€57€66▲
Profit (loss) for the period before taxes9903€37k€55k▲
Income taxes67/77€9k€14k▲
Profit (loss) for the period9904€27k€40k▲
Profit (loss) for the period to be appropriated9905€27k€40k▲
Appropriation of the result
Profit (loss) to be appropriated9906€27k€68k▲
Profit (loss) brought forward from the previous period14P-€27k
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 28 days late
NBB filing
Directors · office · real estate
Directors
2 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Gesves · 1 establishment unit since 2024
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Drève des Arches 125340 GesvesGround area
1,215 m²
Building footprint
122 m²
Parcel 92042D0194/00G032, Wallonia. Linked by address, not a title deed.
1 establishment unit
APSYZ
since 20242.358.898.260
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92042D0194/00G032 | Wallonia | 1,215 m² | 1 · 122 m² | - |
Linked by address, not proof of ownership
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.
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Of 5,524 companies in sector 86931 we hold annual accounts for 550. 435 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-03-2024
Fiscal year end31-12
Activities, NACEBEL
86931Psychology services
85409Education
85592Vocational training
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:chris.szed@gmail.com
Phone:+32478940123