HP PSYCHO
ActiveThe computed 12-month bankruptcy probability of HP PSYCHO is 2.9% (moderate). The 2025 annual accounts show equity of €60k and a net result of €22k. Equity is growing by ~54.6% per year across the filed fiscal years. The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
82
/ 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=
Growth78=
Track record94
Bankruptcy probability, 12 months
2.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity ample (current ratio 28.94 against 14.04 in 2024; short-term debt: 3.5% and cash: 93.6% of total assets), and 3.5% 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
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
96.5%
Return on assets
35.3%
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 12-03-2026, 141 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
141 d early
2024
6 d early
2023
27 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, micro schema
Equity
€60k▲ 57.6%
2024 · €38k
2023: €18k
2024: €38k
2023 → 2025
Total assets
€62k▲ 51.6%
2024 · €41k
2023: €22k
2024: €41k
2023 → 2025
Net result
€22k▲ 11.6%
2024 · €20k
2023: €16k
2024: €20k
2023 → 2025
Working capital
€60k▲ 57.6%
2024 · €38k
2023: €18k
2024: €38k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€18k-€38k▲ 107%€60k▲ 57.6%
Operating result€20k-€27k▲ 34.2%€30k▲ 10.7%
Net result€16k-€20k▲ 23.3%€22k▲ 11.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2025 is 11% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €62k
Equity
€60k▲ 57.6%
Debt
€2k▼ 26.4%
The debt ratio falls from 7.1% to 3.5%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
96.5%▲
2024 · 92.9%
Current ratio
28.94▲
2024 · 14.04
Quick ratio
28.94▲
2024 · 14.04
Debt / equity
0.04▼
2024 · 0.08
ROE
36.6%▼
2024 · 51.6%
ROA
35.3%▼
2024 · 47.9%
Debt
€2k▼
2024 · €3k
Debt ≤ 1 year
€2k▼
2024 · €3k
Income taxes
€8k▲
2024 · €7k
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€41k€62k▲
Current assets29/58€41k€62k▲
Amounts receivable within one year40/41€3k€1k▼
Other amounts receivable41€3k€1k▼
Cash at bank and in hand54/58€38k€58k▲
Deferred charges and accrued income490/1-€3k
Equity and liabilities
Total equity and liabilities10/49€41k€62k▲
Equity10/15€38k€60k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€36k€58k▲
Amounts payable17/49€3k€2k▼
Amounts payable within one year42/48€3k€2k▼
Trade debts44€2k€1k▼
Suppliers440/4€2k€1k▼
Taxes, remuneration and social security45€1k€868▼
Taxes450/3€1k€868▼
Income statement
Code20242025
Other operating charges640/8€387€400▲
Gross operating margin9900€27k€30k▲
Operating profit (loss)9901€27k€30k▲
Financial income75/76B€0€85▲
Recurring financial income75€0€85▲
Financial charges65/66B€136€221▲
Recurring financial charges65€136€221▲
Profit (loss) for the period before taxes9903€27k€30k▲
Income taxes67/77€7k€8k▲
Profit (loss) for the period9904€20k€22k▲
Profit (loss) for the period to be appropriated9905€20k€22k▲
Appropriation of the result
Profit (loss) to be appropriated9906€36k€58k▲
Profit (loss) brought forward from the previous period14P€16k€36k▲
The notes to these accounts (2 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
12-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2023net €22k ▲11.6%
Operating result €30k, net result €22k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 28.94
Current ratio from 14.04 to 28.94; short-term debt falls from €3k to €2k.
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity doublescurrent ratio 14.04
Current ratio from 6.35 to 14.04; short-term debt falls from €3k to €3k.
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Walhain · 1 establishment unit since 2023
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.
Rue Chapja(TSL) 281457 WalhainGround area
4,317 m²
Building footprint
145 m²
Parcel 25104C0352/00G000, Wallonia. Linked by address, not a title deed.
1 establishment unit
HP PSYCHO
since 20232.350.388.885
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25104C0352/00G000 | Wallonia | 4,317 m² | 1 · 145 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.
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-09-2023
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 3 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:hppsycho@yahoo.fr
Phone:0474664097