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EUROPSY

Active
Private limited companyfounded 199927 yrs activeQuai Marcellis 27, 4020 Liège, BelgiumKBO/BCE: BE 0465.641.471
Summary

EUROPSY has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €296,146 and a net result of €112,923. Equity is growing by ~2.9% per year across the filed fiscal years. Its solvency ranks better than 42% of 20335 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).

Risk analysisWatch ReportCompare
EUROPSYActiveChecked score 94/100
Risk analysis ReportCompare

Overview

Activity
Psychology services
NACE 86931Specialist medical practice NACE 86220NACE 86904
1 site
Size
€548,625total assets 2025
Staff
1 FTE
Equity
€296,146
Profit
€112,923
Turnover not published (abridged schema)
Financial health
94 Excellent Checked score 2025
Bankruptcy chance 12 m
< 0.1%
Structure
Accounts 46 d early0 of 6 deeds read
Why 94+ Sector Human health activities (NACE 86)+ Liquidity: current ratio 1.92, cash €226,881+ Size: total assets €548,625+ Equity €296,146 (54.0% of total assets)Show the evidence

Checked score

Score 2025
94 / 100
Excellent
Probability in this band: under 0.55%
Better than 54% of its sector peers (NACE 86, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Strong
Solvency 79-7
equity 54.0% of total assets
Liquidity 91+19
short-term debt 25.0% · cash 41.4%
Profitability 94+5
return on assets 20.6%
Bankruptcy probability, 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median < 0.1% (23,954 companies)
Last 24 months 11-2024: < 0.1%highest value 12-2024: < 0.1%● 0.0% vs 11-2024highest value 01-2025: < 0.1%▼ -14.8% vs 12-2024 02-2025: < 0.1%● 0.0% vs 01-2025 03-2025: < 0.1%● 0.0% vs 02-2025 04-2025: < 0.1%● 0.0% vs 03-2025 05-2025: < 0.1%● 0.0% vs 04-2025 06-2025: < 0.1%● 0.0% vs 05-2025 07-2025: < 0.1%● 0.0% vs 06-2025 08-2025: < 0.1%▲ +4.3% vs 07-2025 09-2025: < 0.1%▲ +4.2% vs 08-2025 10-2025: < 0.1%▲ +4.0% vs 09-2025 11-2025: < 0.1%● 0.0% vs 10-2025 12-2025: < 0.1%● 0.0% vs 11-2025 01-2026: < 0.1%▼ -26.9% vs 12-2025lowest value 02-2026: < 0.1%● 0.0% vs 01-2026lowest value 03-2026: < 0.1%● 0.0% vs 02-2026lowest value 04-2026: < 0.1%● 0.0% vs 03-2026lowest value 05-2026: < 0.1%● 0.0% vs 04-2026lowest value 06-2026: < 0.1%● 0.0% vs 05-2026lowest value 07-2026: < 0.1%● 0.0% vs 06-2026lowest value 08-2026: < 0.1%● 0.0% vs 07-2026lowest value 09-2026: < 0.1%▲ +10.5% vs 08-2026 10-2026: < 0.1%▲ +4.8% vs 09-2026
  • Sector Human health activities (NACE 86) lowers the probability
  • Liquidity: current ratio 1.92, cash €226,881 lowers the probability
  • Size: total assets €548,625 lowers the probability for this profile
  • Equity €296,146 (54.0% of total assets) lowers the probability
Credit up to €25,000 at 30 days acceptable
Liquidity ample (current ratio 1.92 against 1.55 in 2024; short-term debt: 25% and cash: 41.4% of total assets), and 46% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 86, micro). Better than this share of them on solvency 43%, liquidity 75%, profitability 53%, growth against the median 43%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 04-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Sector Human health activities (NACE 86)
In the bankruptcy model this factor lowers the probability.
KBO
lowers risk · Liquidity: current ratio 1.92, cash €226,881
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Size: total assets €548,625
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
lowers risk · Equity €296,146 (54.0% of total assets)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 16-12-2025, 46 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
46 d early
2024
52 d early
2023
48 d early
2022
57 d early
2021
48 d early
2020
40 d early
2019
38 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 47 days before the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.

Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today. Usually files around 14 December (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
30-06-2026 close05-10-2026 today31-01-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Highest result since 2019net €112,923 ▲49.6%
  3. Annual accounts filedfiscal year 2024 · micro…

Key points

  • Positive: Always filed on timeaccounts within the deadline every year 8 years View
  • Positive: 7 profitable years in a rowprofit 2025: €112,923 7 years View
  • Among the largest 20% on gross marginsector median €112,801 · 20,339 companies €258,512 View

By topic

Financials

Fiscal year
2025
Total assets
€548,625
Profit
€112,923
Solvency
54.0%
Total assets▲ 16.5%
Net result
20192025
Go to Financials

Timeline

Events
13
Since
2016
Next accounts
by 31-01-2027
  1. 16-12-2025Annual accounts filed
  2. 30-06-2025Highest result since 2019
  3. 10-12-2024Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Psychology servicesNACE 86931
Founded
15-03-1999
Year ends
30-06
Peppol
Reachable for e-invoices
Go to Company details

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