Turnover
≈ €130,000 estimated
The micro format states no turnover.
Espace Psy Kestemont-Ninane
Lifetime
17 annual accounts with figures on one time axispeak €53,974 (2024)
€42,212▼ 21.8%
lowest -€35,730 (2010)
€26,591▼ 22.5%
peak €14,467 (2025)
€14,467▲ €26,591
€966▼ 81.7%
Board2 names since 2009
2 directorsKESTEMONT Paul and 1 other
Owners2 names in the annual accounts
Documentsfilings and deeds
24-06-202637 days before the deadline
2025micro format
Gross margin from €53,974 to €42,212Equity from -€12,124 to €14,467Debts from €5,271 to €966
Key points
from the 2025 annual accountsFilings
17 annual accounts since 2009
Seven of the last ten came late. The 2021 accounts came latest: 64 days after the end of the period.
Position in the sector
€14,467
Less equity than 85% of companies in human health. Sector median €124,598 · 20,769 companies.
Checked score
96
Excellent
Financially stronger than 72% 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
12-2024: 0.1%highest value
01-2025: < 0.1%▼ -0.1 percentage points vs 12-2024
02-2025: < 0.1%● unchanged vs 01-2025
03-2025: < 0.1%● unchanged vs 02-2025
04-2025: < 0.1%● unchanged vs 03-2025
05-2025: < 0.1%● unchanged vs 04-2025
06-2025: < 0.1%● unchanged vs 05-2025
07-2025: < 0.1%● unchanged vs 06-2025
08-2025: < 0.1%● unchanged vs 07-2025
09-2025: < 0.1%● unchanged vs 08-2025
10-2025: < 0.1%● unchanged 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 06-2026lowest value
08-2026: < 0.1%● unchanged vs 07-2026lowest value
09-2026: < 0.1%● unchanged vs 08-2026lowest value
10-2026: < 0.1%● unchanged vs 09-2026lowest value
11-2026: < 0.1%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
raises risk
Equity €14,467 (13.9% of total assets)
lowers risk
Sector: Human health activities (NACE 86)
Liquidity: current ratio 103.48, cash €60,765
Size: total assets €104,373
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 16% of them on solvency, 95% on liquidity, 80% on profitability and 95% 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, 5,053 companies had the same profile as Espace Psy Kestemont-Ninane has now. Each dot stands for 13 companies, two years later.
95.9%
were still trading
2.4%
stopped another way
1.6%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of Espace Psy Kestemont-Ninane itself is lower: < 0.1% within 12 months. It rests on far more data about Espace Psy Kestemont-Ninane 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 5,053 companies, not a prediction for Espace Psy Kestemont-Ninane. 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 €1,000 on 30-day terms is acceptable
Short-term debt is 0.9% and cash 58.2% of total assets. 86.1% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 16% of 20767 sector peers (2025).
NBB · sector comparisonPosition among 20767 sector peers
Solvency
better than 16%
← weakest
strongest →
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 24-06-2026, 37 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
37 days early
2024
35 days early
2023
34 days early
2022
30 days late
2021
64 days late
2020
30 days late
2019
55 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 10 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. The company usually files around 28 June (4 of the last 5 accounts filed within 63 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
KP
KESTEMONT Paul
Director, since 02-03-2009
NC
NINANE Cécile
Director, since 02-03-2009
- Cécile KESTEMONT 50%annual accounts 2016
- Paul KESTEMONT 50%annual accounts 2016
Recent changes
General meeting of 05-09-2019
Gazette deed
Incorporation
published on 02-03-2009 · Gazette deed
First establishment
Rue des Flawnées 34, Namur
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Espace Psy Kestemont-Ninane Namur | €104,373 | €42,212 | 13.9% | - |
| RECHERCHE-PSY Brussels | €120,239 | €45,519 | 91.4% | - |
| Les mots de l'âme Ciney | €79,916 | €49,544 | 48.1% | - |
| Dilopsy Ostend | €74,693 | €34,501 | 59.1% | - |
| LOGOS Hasselt | €99,352 | €28,212 | 64.5% | - |
| C-CONEX Péruwelz | €160,733 | €51,874 | 33.9% | - |
| Dr.Fierens Christian,Psychiater Tervuren | €76,086 | €57,284 | 31.0% | - |
These companies have the same main activity as Espace Psy Kestemont-Ninane: psychology services (NACE 86931). They are comparable in size and age: total assets between €74,700 and €161,000, founded between 2005 and 2010.
Official details
Source: KBO- Status
- Active since 19-02-2009Normal situation
- Activity
- Psychology servicesNACE 86931and 1 other
- Establishment unit
- 2.228.924.5945100 Namur, since 19-02-2009
- Financial year end
- 31 December
- Peppol
- Not found in the Peppol Directory
Annual accounts 2025
- €104,373▲ 27.1%
- Filing
- Filed on 24-06-2026, 37 days before the end of the filing period
Insights on Espace Psy Kestemont-Ninane
Espace Psy Kestemont-Ninane files the micro format. That format states no turnover. The gross margin rose from €22,131 in 2009 to €42,212 in 2025.
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 Espace Psy Kestemont-Ninane
- What is the company number of Espace Psy Kestemont-Ninane?
- The company number of Espace Psy Kestemont-Ninane is 0809.927.135. The VAT number is the same number with BE in front: BE 0809.927.135.
- Where is Espace Psy Kestemont-Ninane based?
- The registered office is at Rue des Flawnées 34, 5100 Namur.Company details
- What does Espace Psy Kestemont-Ninane do?
- According to the KBO register, the main activity is psychology services (NACE 86931).
- What is the legal form of Espace Psy Kestemont-Ninane?
- Espace Psy Kestemont-Ninane is a private limited company (pre-2019) (BVBA).
- When was Espace Psy Kestemont-Ninane founded?
- Espace Psy Kestemont-Ninane was founded on 19-02-2009.
- Is Espace Psy Kestemont-Ninane still active?
- Yes, Espace Psy Kestemont-Ninane is an active enterprise in the KBO register.
- What is the turnover of Espace Psy Kestemont-Ninane?
- The turnover in financial year 2025 is ≈ €130,000. This figure is estimated from the gross margin of €42,212 and 34 comparable companies (NACE 869). It probably lies between €97,000 and €180,000.Financials
- Is Espace Psy Kestemont-Ninane profitable?
- In financial year 2025, Espace Psy Kestemont-Ninane made a profit of €26,591.
- Where can I find the annual accounts of Espace Psy Kestemont-Ninane?
- Espace Psy Kestemont-Ninane filed 17 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of Espace Psy Kestemont-Ninane due?
- Espace Psy Kestemont-Ninane must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
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