IT & PSY
ActiveSummary
IT & PSY has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €23,905 and a net result of -€8,363. Equity is shrinking by ~24% per year across the filed fiscal years. Its solvency ranks better than 61% of 1246 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability4▲+4
Solvency91▼-1
Growth22=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,500 at 30 days acceptable
Liquidity ample (current ratio 4.53 against 2.32 in 2023; short-term debt: 18.8% and cash: 16.8% of total assets), and 34.5% of the assets are financed with debt.
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Signals
Six 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
Human health activities (NACE 86)
about 87% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
65.5%
Return on assets
-22.9%
Age of the figures
21 mo
raises risk · Persistent losses
Two consecutive loss-making years (2023 and 2024); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2024Net result per financial year
192021222324
2019 to 2024 · latest year -€8,363
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-08-2025, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 6 filingsDeviation from the deadline
2025
not confirmed
2024
31 d late
2023
61 d late
2022
61 d late
2021
2 d early
2020
90 d late
2019
122 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 61 days after 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 (1)
History
Go further with this company
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Financials · fiscal year 2024, full schema
Turnover
€83,667▲ 4.5%
2023 · €80,094
EBIT margin
-9.3%▲ 16.7pp
2023 · -26.0%
Net result
-€8,363▲ 60.3%
2023 · -€21,087
Working capital
€24,224▲ 16.9%
2023 · €20,729
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Turnover€181,736▼ 5.7%€186,369▲ 2.5%€67,908▼ 63.6%€80,094▲ 17.9%€83,667▲ 4.5%
Operating result€42,120▼ 20.3%€27,567▼ 34.6%-€46,367-€20,821▲ 55.1%-€7,815▲ 62.5%
Net result€29,606▼ 21.7%€16,521▼ 44.2%-€47,576-€21,087▲ 55.7%-€8,363▲ 60.3%
EBIT margin23.2%▼ 4.3pp14.8%▼ 8.4pp-68.3%▼ 83.1pp-26.0%▲ 42.3pp-9.3%▲ 16.7pp
Equity€73,610▲ 67.3%€90,130▲ 22.4%€54,955▼ 39.0%€32,268▼ 41.3%€23,905▼ 25.9%
Total assets€202,366▲ 106%€144,960▼ 28.4%€89,311▼ 38.4%€47,927▼ 46.3%€36,472▼ 23.9%
Debt€128,756▲ 138%€54,830▼ 57.4%€34,357▼ 37.3%€15,659▼ 54.4%€12,568▼ 19.7%
Working capital€47,435▲ 7.1%€62,141▲ 31.0%€28,628▼ 53.9%€20,729▼ 27.6%€24,224▲ 16.9%
Staff (FTE)1▲ 66.7%1=1=1=
Why a figure moved sharply
- 2022 Turnover -64% on 2021. Cause not known from the registers.
- 2020 Total assets +106% on 2019. Cause not known from the registers.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €7,815 in 2024 against €20,821 in 2023; the loss shrinks.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €36,472
Fixed assets
€5,381 ▼ 53.4%
Current assets
€31,091 ▼ 14.6%
Equity and liabilities €36,472
Equity
€23,905 ▼ 25.9%
Debt
€12,568 ▼ 19.7%
Debt's share of the balance-sheet total rises from 32.7% to 34.5%. Equity and debt are lower.
Key figures and ratios
EBITDA
-€1,657▲
2023 · -€6,033
Cash flow
-€2,206▲
2023 · -€6,299
Current ratio
4.53▲
2023 · 2.32
Debt to equity
0.53▲
2023 · 0.49
ROE
-35.0%▲
2023 · -65.4%
ROA
-22.9%▲
2023 · -44.0%
Interest coverage
-2.28▲
2023 · -22.65
Debt ≤ 1 year
€6,868▼
2023 · €15,659
Staff costs
€37,836▼
2023 · €38,394
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 3,595 companies that looked in July 2024 the way this one looks now, 2.8% went bankrupt within 24 months and 87% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a loss of 10% of the balance sheet or more
2.8%
went bankrupt
9.3%
stopped otherwise
87%
still going
A further 0.8% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 0.3% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 3,595 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €181,736 | €186,369 | €67,908 | €80,094 | €83,667 | ▲ 4.5% |
| Goods, raw materials, services and sundry goods60/61 | - | €109,718 | €67,169 | €51,467 | €50,270 | ▼ 2.3% |
| Remuneration, social security and pensions62 | - | €44,198 | €38,592 | €38,394 | €37,836 | ▼ 1.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €4,029 | €12,656 | €15,416 | €14,788 | €6,158 | ▼ 58.4% |
| Other operating charges640/8 | - | €504 | €1,165 | €486 | €890 | ▲ 83.0% |
| Gross operating margin9900 | €75,473 | €84,926 | €8,806 | €32,847 | €37,069 | ▲ 12.9% |
| Operating profit (loss)9901 | €42,120 | €27,567 | -€46,367 | -€20,821 | -€7,815 | ▲ 62.5% |
| Financial income75/76B | - | - | - | - | €177 | - |
| Recurring financial income75 | - | - | - | - | €177 | - |
| Financial charges65/66B | - | €674 | €562 | €266 | €726 | ▲ 172% |
| Recurring financial charges65 | €704 | €674 | €562 | €266 | €726 | ▲ 172% |
| Profit (loss) for the period before taxes9903 | €41,416 | €26,893 | -€46,929 | -€21,087 | -€8,363 | ▲ 60.3% |
| Income taxes67/77 | €11,809 | €10,372 | €646 | - | - | - |
| Profit (loss) for the period9904 | €29,606 | €16,521 | -€47,576 | -€21,087 | -€8,363 | ▲ 60.3% |
| Profit (loss) for the period to be appropriated9905 | €29,606 | €16,521 | -€47,576 | -€21,087 | -€8,363 | ▲ 60.3% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €202,366 | €144,960 | €89,311 | €47,927 | €36,472 | ▼ 23.9% |
| Fixed assets21/28 | €34,910 | €32,020 | €26,326 | €11,539 | €5,381 | ▼ 53.4% |
| Tangible fixed assets22/27 | €32,433 | €29,543 | €23,849 | €9,062 | €2,904 | ▼ 68.0% |
| Furniture and vehicles24 | - | €29,543 | €23,849 | €9,062 | €2,904 | ▼ 68.0% |
| Financial fixed assets28 | €2,477 | €2,477 | €2,477 | €2,477 | €2,477 | = |
| Current assets29/58 | €167,455 | €112,940 | €62,985 | €36,388 | €31,091 | ▼ 14.6% |
| Amounts receivable within one year40/41 | €156,835 | €100,275 | €49,999 | €32,683 | €24,552 | ▼ 24.9% |
| Trade receivables40 | - | €5,732 | - | €811 | - | - |
| Other amounts receivable41 | - | €94,543 | €49,999 | €31,872 | €24,552 | ▼ 23.0% |
| Cash at bank and in hand54/58 | €10,457 | €12,666 | €10,617 | €2,649 | €6,132 | ▲ 131% |
| Deferred charges and accrued income490/1 | - | - | €2,370 | €1,056 | €408 | ▼ 61.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €202,366 | €144,960 | €89,311 | €47,927 | €36,472 | ▼ 23.9% |
| Equity10/15 | €73,610 | €90,130 | €54,955 | €32,268 | €23,905 | ▼ 25.9% |
| Contributions10/11 | €6,200 | €6,200 | €18,600 | €18,600 | €18,600 | = |
| Capital10 | - | €6,200 | €18,600 | €18,600 | - | - |
| Issued capital100 | - | €18,600 | €18,600 | €18,600 | - | - |
| Uncalled capital101 | - | €12,400 | - | - | - | - |
| Reserves13 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Non-distributable reserves130/1 | - | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Legal reserve130 | - | €1,860 | €1,860 | €1,860 | - | - |
| Reserves not available under the articles1311 | - | - | - | - | €1,860 | - |
| Profit (loss) carried forward14 | €65,550 | €82,070 | €34,495 | €11,808 | €3,445 | ▼ 70.8% |
| Amounts payable17/49 | €128,756 | €54,830 | €34,357 | €15,659 | €12,568 | ▼ 19.7% |
| Amounts payable after more than one year17 | €8,736 | €4,031 | - | - | - | - |
| Financial debts170/4 | - | €4,031 | - | - | - | - |
| Amounts payable within one year42/48 | €120,020 | €50,799 | €34,357 | €15,659 | €6,868 | ▼ 56.1% |
| Current portion of amounts payable after more than one year42 | - | €4,705 | €4,031 | - | - | - |
| Financial debts43 | - | - | €906 | €1,116 | €1,087 | ▼ 2.6% |
| Credit institutions430/8 | - | - | €906 | €1,116 | €1,087 | ▼ 2.6% |
| Trade debts44 | €69,014 | €21,926 | €16,620 | €12,147 | €3,681 | ▼ 69.7% |
| Suppliers440/4 | - | €18,910 | €16,620 | €12,147 | €3,681 | ▼ 69.7% |
| Bills of exchange payable441 | - | €3,015 | - | - | - | - |
| Taxes, remuneration and social security45 | - | €24,168 | €12,800 | €2,396 | €2,100 | ▼ 12.4% |
| Taxes450/3 | - | €22,931 | €10,583 | €480 | - | - |
| Remuneration and social security454/9 | - | €1,237 | €2,217 | €1,916 | €2,100 | ▲ 9.6% |
| Accrued charges and deferred income492/3 | - | - | - | - | €5,700 | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €29,606 | €16,521 | -€47,576 | -€21,087 | -€8,363 | ▲ 60.3% |
| + Depreciation and write-downs630 | €4,029 | €12,656 | €15,416 | €14,788 | €6,158 | ▼ 58.4% |
| Operating cash flow (approximation) | €33,635 | €29,177 | -€32,160 | -€6,299 | -€2,206 | ▲ 65.0% |
| Investment in fixed assets (approximation) | - | -€9,766 | -€9,722 | €0 | €0 | - |
| Change in cash | - | €2,208 | -€2,049 | -€7,967 | €3,483 | ▲ 144% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 31 days late
2024
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 61 days late
2023
30-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 61 days late
2022
31-12
Financial
Weakest financial yearnet -€47,576
Net result drops to -€47,576, the lowest in the series; recovery starts the following year.
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 90 days late
2020
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 122 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Bertem · 2 establishment units since 2019
Ground area
999 m²
Building footprint
399 m²
Volume, LiDAR
5,589 m³
2 parcels, Brussels, Flanders · tallest building 28.8 m, ±8 floors. Linked by address, not a title deed.
2 establishment units
IT & PSY
since 20192.289.363.118
IT & PSY
since 20242.360.760.264
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24009C0561/00R000 | Flanders | 533 m² | 1 · 133 m² | 8.1 m · 2 fl. |
| 21905C0089/00T017 | Brussels | 466 m² | 1 · 266 m² | 28.8 m · 8 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 5,533 companies in sector 86931 we hold annual accounts for 553. 444 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded25-04-2019
Fiscal year end31-12
Activities, NACEBEL 2025
86931Psychology services
Contact
E-mail
alin_bejenaru@yahoo.com
E-invoicing
Reachable via Peppol
Peppol ID
0208:0725708864
Also
9925:BE0725708864
Registered
01-01-2026
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.