Investments
€9,196 49.3 × depreciation
Green is investment, beige is depreciation.
APSYZ
Overview
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.
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
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
- €71,308▲ 28.3%
- €40,493▲ 49.4%
- €70,588▲ 135%
- €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.
Financials
Annual accounts 2025
abbreviated format, filed on 30-07-2026, 1 day before the deadline€71,308
▲ 28.3%
€54,586
▲ 49.1%
€54,772
€40,679
98.3%
▲ 0.5 percentage points
58.35
▲ 13.31
Money flows
of every €100 of turnover, €56.79 remains as profit in 2025Balance sheet
balance sheet total €71,834 on 31-12-2025What the company ownsHow it is paid for
in euro
in euro
Position in the sector
98.3%
Higher than 95% of 3,053 companies in 2025.
58.35
Higher than 95% of 2,997 companies in 2025.
56.4%
Higher than 93% of 3,009 companies in 2025.
APSYZ
Middle half of the sector
80% of the sector
Abbreviated accounts in human health (NACE 86)
Net result: middle half · Equity: bottom quarter · Balance sheet total: bottom quarter · Working capital: middle half
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 |
|---|---|---|---|
| Balance sheet: assets | |||
20/58 |
71,834 | 30,779 | |
21/28 |
9,010 | - | |
22/27 |
9,010 | - | |
22 |
9,010 | - | |
29/58 |
62,824 | 30,779 | |
40/41 |
2,723 | 0 | |
40 |
- | 0 | |
41 |
2,723 | 0 | |
54/58 |
60,095 | 30,779 | |
490/1 |
6 | - | |
| Balance sheet: equity and liabilities | |||
10/49 |
71,834 | 30,779 | |
10/15 |
70,588 | 30,095 | |
10/11 |
3,000 | 3,000 | |
14 |
67,588 | 27,095 | |
17/49 |
1,246 | 683 | |
42/48 |
1,077 | 683 | |
44 |
124 | 0 | |
440/4 |
124 | 0 | |
45 |
683 | 683 | |
450/3 |
683 | 683 | |
47/48 |
269 | - | |
492/3 |
169 | - | |
| Income statement | |||
70 |
71,308 | 55,560 | |
9900 |
55,172 | 37,005 | |
60/61 |
16,136 | 18,555 | |
630 |
186 | - | |
640/8 |
400 | 387 | |
9901 |
54,586 | 36,618 | |
75/76B |
- | 31 | |
75 |
- | 31 | |
65/66B |
66 | 57 | |
65 |
66 | 57 | |
9903 |
54,520 | 36,591 | |
67/77 |
14,027 | 9,496 | |
9904 |
40,493 | 27,095 | |
9905 |
40,493 | 27,095 | |
| Appropriation of the result | |||
9906 |
67,588 | 27,095 | |
14P |
27,095 | - | |
| Document | |||
The notes to these accounts have 5 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 30-07-2026.
Filings
each dot is a set of accounts, on the day it reached the National BankKey figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 |
|---|---|---|---|
| 54,772 | - | ||
| 40,679 | - | ||
| 9,196 | - | ||
| 29,317 | - | ||
| 61,747 | 30,095 | ||
| 76.5% | 65.9% | ||
| 98.3% | 97.8% | ||
| 58.35 | 45.04 | ||
| 0.02 | 0.02 | ||
| 57.4% | 90.0% | ||
| 56.4% | 88.0% | ||
| over 100 | - | ||
| 14 days | 0 days | ||
| 3 days | 0 days |
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 |
|---|---|---|
| Tangible fixed assets | €9,196 | - |
| €186 | - |
Source: notes to the 2024 to 2025 annual accounts (statement of fixed assets)
Insights on APSYZ
The operating result for 2025 is 49% higher than in 2024.
Debt's share of the balance-sheet total falls from 2.2% to 1.7%. Equity and debt are higher.
Board & ownership
Board
1 director, no change since January 2026Director (not named in the articles)
appointed by deed of 22-03-2024
term without a fixed end
listed in the 2025 annual accounts, filed on 30-07-2026
- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- Each director alonedeed of 22-03-2024
Mandates through the years
2 names, the dashed line is todaySZEDLESKI Christelle Marie Ghislaine
Director (not named in the articles)
Director (not named in the articles)
LEROY Fabian Michel Laurent
Director (not named in the articles)
Director (not named in the articles)
BoardEarlier
Mandates as a list
- SZEDLESKI Christelle Marie Ghislaine
- Director (not named in the articles), appointed by deed of 22-03-2024, still in office
- LEROY Fabian Michel Laurent
- Director (not named in the articles), appointed by deed of 22-03-2024, until 02-01-2026
Control
This company
APSYZ
Equity €70,588
Profit €40,493 in 2025
Capital
- Contribution
- €3,000
- Shares
- 100
- Contribution per share
- €30
- Equity per share
- €706 in 2025
- Source
- deed of 22-03-2024
Articles of association
deed of 22-03-2024 (in French)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- 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
Shareholders
At incorporation
deed of 22-03-2024 ↗
- LEROY Fabian Michel Laurent 50 shares (50%)
- SZEDLESKI Christelle Marie Ghislaine 50 shares (50%)
Network & group
No group
APSYZ has no parent and no holdings in its annual accounts. SZEDLESKI Christelle Marie Ghislaine is the only director.
At the same address
Drève des Arches 12, 5340 Gesves · 1 other company| ENG&OP
registered office since 17-08-2018 · founded in 2018 |
turnover €95,266 (2025) 0700.721.169 |
Earlier ties
| ENG&OP via SZEDLESKI Christelle Marie Ghislaine, no longer at ENG&OP · Director (not named in the articles) · deed of 07-09-2020 founded in 2018 |
turnover €95,266 (2025) |
Connections & network
The network starts from the earlier ties.
This company
Company
Director
Shareholding
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Timeline
Timeline
6 events since 2024Board
Filings
Establishments
202420252026
Deadline for the 2026 accounts: 31-07-2027
2026
Resignation: Fabian Leroy (director)General meeting of 02-01-20262 points ▸
- General meeting, 02-01-2026
- Director resignation, Fabian Leroy
Annual accounts 2025 filed NBBabbreviated format · 1 day before the deadline
2025
Registered in the Peppol Directory Reachable for e-invoices through 0208:1007357470
Annual accounts 2024 filed PDFfull format · 28 days late
2024
IncorporationFounding 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 22-03-20248 points ▸
- Founder, LEROY Fabian Michel Laurent
- Founder, SZEDLESKI Christelle Marie Ghislaine
- Founding capital, €3,000, 100 shares
- Registered office clause, Drève des Arches 12, 5340 Faulx-les-Tombes
- Board rule, 2
- Director appointment, SZEDLESKI Christelle Marie Ghislaine (director (not named in the articles))
- Director appointment, LEROY Fabian Michel Laurent (director (not named in the articles))
- Permanent representative, SZEDLESKI Christelle Marie Ghislaine
- The deed holds 7 more points.
First establishment Drève des Arches 12, Gesves
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
On 20 March 2024, APSYZ was incorporated as a private limited company by two natural persons, with a starting capital of €3,000.12 SZEDLESKI Christelle Marie Ghislaine is director of the company, appointed by deed of 22-03-2024.2 The company has filed 2 sets of annual accounts, the latest for financial year 2025.3
Company details
Identity
- Enterprise number
- 1007.357.470
- VAT number
- BE 1007.357.470
- Peppol ID
- 0208:1007357470
- Other Peppol ID
- 9925:BE1007357470
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 20-03-2024
- Financial year
- ends on 31 December
- Peppol
- Reachable since 04-12-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- APSYZ in French
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 22-03-2024 (in French)
Activities
NACEBEL 202586931
Psychology services main activity
85409
Education
85592
Vocational training
85599
Other education
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Les consultations de psychologie clinique sur base individuelle ou collective; Toutes activités relatives à la santé mentale,sauf hôpitaux…”deed of 22-03-2024 (in French)
8 activities
- Les consultations de psychologie clinique sur base individuelle ou collective ;
- Toutes activités relatives à la santé mentale,sauf hôpitaux et maisons de soins psychiatriques ;
- Toutes activités d’enseignement par rapport à ce qui précède.
- Gestion d’un patrimoine mobilier et immobilier,tant en Belgique,qu'à l'étranger,pour compte propre,ou pour compte de tiers,ou en participation avec des tiers;toutes opérations civiles d’achat,de vente,de transformation,d’aménagement,de conclusion de baux commerciaux et/ou civils,de sous-location,d’échange et de vente de tous immeubles à l’exclusion de l’entreprise d’achat d’immeubles en vue de la revente.
- La commercialisation,sous toutes ses formes et notamment l’achat,la vente,en gros et en détail,le courtage et la commission des produits conçus et/ou fabriqués par elle ou par toutes autres sociétés,et notamment la vente de tout objet,matériel ou matériau en rapport avec ce qui précède ; L’importation,l’exportation,les opérations de vente et d’achats internationales,toutes activités de transport de biens et de personnes,la commercialisation de tous biens d’équipements et de marchandises de toutes natures,la représentation commerciale de toutes marques,la vente en gros,demi-gros et détail,le commerce en général.
- Contracter ou consentir tout prêt généralement quelconque;tout ce qui est utile ou nécessaire à l’accomplissement de son objet social;tantes en Belgique qu’à l’étranger,toutes opérations commerciales,industrielles,mobilières,immobilières ou financières se rattachant directement ou indirectement à son objet social et notamment l’achat,la vente,la location de tous biens meubles,immeubles ou fonds de commerce appartenant à la société.
- Acquérir,aliéner,prendre ou donner en location tous immeuble ou fonds de commerce,acquérir,céder tous brevets,licences,marques de fabrique ou de commerce,s’intéresser de toutes les manières,sous toutes les formes et en tous lieux,à toutes sociétés ou entreprises,affaires,associations et institutions dont l’objet social serait similaire,analogue ou connexe au sien,ou simplement utile à l’extension de ses opérations.
- En recourant à l’association,au partenariat ou à la sous-traitance de toutes entreprises titulaires des accès à la profession,agréations ou enregistrements requis,toutes opérations mobilières,immobilières,commerciales,industrielles,financières et autres se rapportant directement ou indirectement à son objet social,ou susceptibles de contribuer à son développement;tous placements en valeurs mobilières,s’intéresser par voie d’association,d’apport ou de fusion,de souscription,de participation,d’intervention financière ou autrement,à ou dans toutes sociétés ou entreprises,existantes ou à créer,et conférer toutes sûretés pour compte de tiers.
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Drève des Arches 12 registered office 5340 Gesves | 20-03-2024 | 2.358.898.260 |
Buildings and parcels at the address
- Ground area
- 1,215 m²
- Buildings
- 122 m²
- Volume, LiDAR
- 803 m³
- Tallest building
- 8.4 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 92042D0194/00G032 | 1,215 m² | 1 · 122 m² | 8.4 m · 2 |
Contact
E-mail
chris.szed@gmail.com
Phone
+32 478 94 01 23