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PHYSEOSIMMO

Active
Private limited companyfounded 201313 yrs activeRue du Monument, Schaltin 32, 5364 Hamois, BelgiumKBO/BCE: BE 0502.563.829
Summary

The computed 12-month bankruptcy probability of PHYSEOSIMMO is 1.9% (moderate). The 2025 annual accounts show equity of €114,041 and a net result of -€529. Equity is growing by ~16.9% per year across the filed fiscal years. The company has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2025
Axes · tick = 2024
Profitability37▼-52
Solvency89▼-2
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
1.9% Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €6,000 at 30 days acceptable
Liquidity ample (current ratio 2.3 against 2.83 in 2024; short-term debt: 35.4% and cash: 0.2% of total assets), and 35.8% 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
raises risk · No NACE activity registered
No NACE activity is registered in the KBO, which is more common among companies that later fail.
KBO · activities
raises risk · Multiple establishment units
Several establishment units mean more fixed costs, and such companies fail more often than a company with one establishment.
KBO · establishment units
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 2025
Solvency, return and age of the figures
Solvency
64.2%
Return on assets
-0.3%
Age of the figures
16 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 13 years 0 20 y
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
neutral · Latest accounts filed on time
The financial year that closed on 31-05-2025 was due by 31-12-2025 and was filed on 27-11-2025, 34 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
34 d early
2024
371 d late
2022
31 d late
2021
59 d late
2020
25 d late
2019
74 d late
2018
30 d late
← before the deadline after the deadline →
tick = median of all Belgian filings

This company filed its last 7 accounts on average 79 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.

Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-05-2026 and is due by 31-12-2026. Nothing is late today.
Companies Code · seven months
Position in the running window
31-05-2026 close28-09-2026 today31-12-2026 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

History

On 15 January 2013, PHYSEOSIMMO was incorporated.1 Total assets went from EUR 142,638 in 2018 to EUR 177,725 in 2025 and headcount from 0.5 to 1 full-time equivalents.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2018 and 2025

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Financials · fiscal year 2025, micro schema

Equity
€114,041▼ 0.5%
2024 · €114,570
Total assets
€177,725▲ 2.7%
2024 · €173,008
Net result
-€529
2024 · €35,518
Working capital
€81,647▼ 9.7%
2024 · €90,439
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
Line20202021202220242025
Operating result€13,802▼ 48.1%€48,160▲ 249%€1,817▼ 96.2%€50,306-€1,586▼ 96.8%
Net result€8,360▼ 51.5%€34,479▲ 312%-€2,712€35,518--€529
Equity€47,285▲ 21.5%€81,764▲ 72.9%€79,052▼ 3.3%€114,570-€114,041▼ 0.5%
Total assets€126,011▼ 4.0%€184,972▲ 46.8%€184,263▼ 0.4%€173,008-€177,725▲ 2.7%
Debt€78,725▼ 14.7%€103,208▲ 31.1%€105,211▲ 1.9%€58,438-€63,685▲ 9.0%
Working capital€31,112▼ 29.2%€21,990▼ 29.3%€18,687▼ 15.0%€90,439-€81,647▼ 9.7%
Staff (FTE)0.5=1▲ 100%1=1-1=
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
-€20,000€0€20,000€40,000€60,000Operating result 2020: €13,802€13,802Net result 2020: €8,360€8,360Operating result 2021: €48,160€48,160Net result 2021: €34,479€34,479Operating result 2022: €1,817€1,817Net result 2022: -€2,712-€2,712Operating result 2024: €50,306€50,306Net result 2024: €35,518€35,518Operating result 2025: €1,586€1,586Net result 2025: -€529-€52920202021202220242025-€20,000€0€20,000€40,000€60,000Operating result 2022: €1,817€1,820Net result 2022: -€2,712-€2,710Operating result 2024: €50,306€50,300Net result 2024: €35,518€35,500Operating result 2025: €1,586€1,590Net result 2025: -€529-€529202220242025
The operating result falls in 2025; 2025 is 97% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €177,725
Fixed assets €33,126 ▲ 0.2%
Current assets €144,599 ▲ 3.3%
Equity and liabilities €177,725
Equity €114,041 ▼ 0.5%
Debt €63,685 ▲ 9.0%
Debt's share of the balance-sheet total rises from 33.8% to 35.8%. Equity is lower and debt is higher.
Key figures and ratios
2025 value · change against 2024
Current ratio
2.30▼
2024 · 2.83
Debt to equity
0.56▲
2024 · 0.51
ROE
-0.5%▼
2024 · 31.0%
ROA
-0.3%▼
2024 · 20.5%
Debt ≤ 1 year
€62,952▲
2024 · €49,493
Income taxes
€302▼
2024 · €9,893
Staff costs
€19,288▼
2024 · €30,293
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 6,915 companies that looked in July 2024 the way this one looks now, 1.1% went bankrupt within 24 months and 91% are still going.

  • Micro
  • 10 to 20 years old
  • solvency 30% or more
  • a small loss
1.1% went bankrupt
7.8% stopped otherwise
91% still going

A further 0.4% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a higher bankruptcy probability: 1.9% 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 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
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% 1.7%
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 75% 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 6,915 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
Filed annual accounts As filed with the NBB · 2025 against 2024 · 49 lines
Balance sheet Code20242025
Assets
Total assets20/58€173,008€177,725▲
Fixed assets21/28€33,076€33,126▲
Tangible fixed assets22/27€32,916€32,916=
Land and buildings22€32,916€32,916=
Financial fixed assets28€160€210▲
Current assets29/58€139,932€144,599▲
Amounts receivable within one year40/41€133,733€144,196▲
Trade receivables40-€27,756
Other amounts receivable41€133,733€116,440▼
Cash at bank and in hand54/58€4,686€404▼
Deferred charges and accrued income490/1€1,513-
Equity and liabilities
Total equity and liabilities10/49€173,008€177,725▲
Equity10/15€114,570€114,041▼
Contributions10/11€10,000€10,000=
Reserves13€101,860€101,860=
Non-distributable reserves130/1€1,860€1,860=
Reserves not available under the articles1311€1,860€1,860=
Distributable reserves133€100,000€100,000=
Profit (loss) carried forward14€2,710€2,181▼
Amounts payable17/49€58,438€63,685▲
Amounts payable after more than one year17€6,503-
Financial debts170/4€6,503-
Amounts payable within one year42/48€49,493€62,952▲
Current portion of amounts payable after more than one year42€9,389€6,503▼
Financial debts43€3,001€669▼
Credit institutions430/8€3,001€669▼
Trade debts44€1,488€8,173▲
Suppliers440/4€1,488€8,173▲
Taxes, remuneration and social security45€7,781€6,861▼
Taxes450/3€324€295▼
Remuneration and social security454/9€7,457€6,566▼
Other amounts payable47/48€27,833€40,747▲
Accrued charges and deferred income492/3€2,442€733▼
Income statement Code20242025
Remuneration, social security and pensions62€30,293€19,288▼
Other operating charges640/8€862€302▼
Gross operating margin9900€81,461€21,176▼
Operating profit (loss)9901€50,306€1,586▼
Financial income75/76B€11€23▲
Recurring financial income75€11€23▲
Financial charges65/66B€4,906€1,836▼
Recurring financial charges65€4,906€1,836▼
Profit (loss) for the period before taxes9903€45,410-€227▼
Income taxes67/77€9,893€302▼
Profit (loss) for the period9904€35,518-€529▼
Profit (loss) for the period to be appropriated9905€35,518-€529▼
Appropriation of the result
Profit (loss) to be appropriated9906€37,710€2,181▼
Profit (loss) brought forward from the previous period14P€2,192€2,710▲
Transfer to equity691/2€35,000-
To other reserves6921€35,000-

The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20202021202220242025Change
Remuneration, social security and pensions62-€18,641€19,422€30,293€19,288▼ 36.3%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20,571€14,599€10,681---
Other operating charges640/8-€952€952€862€302▼ 64.9%
Non-recurring operating charges66A-€897----
Gross operating margin9900€44,823€83,249€32,872€81,461€21,176▼ 74.0%
Operating profit (loss)9901€13,802€48,160€1,817€50,306€1,586▼ 96.8%
Financial income75/76B-€189€22€11€23▲ 115%
Recurring financial income75€10€189€22€11€23▲ 115%
Financial charges65/66B-€3,669€3,408€4,906€1,836▼ 62.6%
Recurring financial charges65€4,196€3,669€3,408€4,906€1,836▼ 62.6%
Profit (loss) for the period before taxes9903€9,616€44,679-€1,569€45,410-€227▼ 101%
Income taxes67/77€1,256€10,201€1,143€9,893€302▼ 96.9%
Profit (loss) for the period9904€8,360€34,479-€2,712€35,518-€529▼ 101%
Profit (loss) for the period to be appropriated9905€8,360€34,479-€2,712€35,518-€529▼ 101%
Line20202021202220242025Change
Assets
Total assets20/58€126,011€184,972€184,263€173,008€177,725▲ 2.7%
Fixed assets21/28€31,638€84,646€75,602€33,076€33,126▲ 0.2%
Tangible fixed assets22/27€31,478€84,486€75,442€32,916€32,916=
Land and buildings22-€60,045€56,994€32,916€32,916=
Furniture and vehicles24-€24,441€18,448---
Financial fixed assets28€160€160€160€160€210▲ 31.3%
Current assets29/58€94,373€100,326€108,661€139,932€144,599▲ 3.3%
Amounts receivable within one year40/41€49,179€40,554€35,246€133,733€144,196▲ 7.8%
Trade receivables40-€36,889€31,389-€27,756-
Other amounts receivable41-€3,665€3,858€133,733€116,440▼ 12.9%
Cash at bank and in hand54/58€45,087€59,666€69,330€4,686€404▼ 91.4%
Deferred charges and accrued income490/1-€107€4,084€1,513--
Equity and liabilities
Total equity and liabilities10/49€126,011€184,972€184,263€173,008€177,725▲ 2.7%
Equity10/15€47,285€81,764€79,052€114,570€114,041▼ 0.5%
Contributions10/11-€10,000€10,000€10,000€10,000=
Reserves13€31,860€66,860€66,860€101,860€101,860=
Non-distributable reserves130/1-€1,860€1,860€1,860€1,860=
Reserves not available under the articles1311-€1,860€1,860€1,860€1,860=
Distributable reserves133-€65,000€65,000€100,000€100,000=
Profit (loss) carried forward14€5,425€4,904€2,192€2,710€2,181▼ 19.5%
Amounts payable17/49€78,725€103,208€105,211€58,438€63,685▲ 9.0%
Amounts payable after more than one year17€13,800€22,993€13,134€6,503--
Financial debts170/4-€22,993€13,134€6,503--
Amounts payable within one year42/48€63,260€78,337€89,974€49,493€62,952▲ 27.2%
Current portion of amounts payable after more than one year42-€14,902€9,859€9,389€6,503▼ 30.7%
Financial debts43---€3,001€669▼ 77.7%
Credit institutions430/8---€3,001€669▼ 77.7%
Trade debts44€2,813€4,755€11,427€1,488€8,173▲ 449%
Suppliers440/4-€4,755€11,427€1,488€8,173▲ 449%
Taxes, remuneration and social security45-€12,220€11,799€7,781€6,861▼ 11.8%
Taxes450/3-€5,200€5,662€324€295▼ 9.0%
Remuneration and social security454/9-€7,019€6,137€7,457€6,566▼ 11.9%
Other amounts payable47/48-€46,459€56,889€27,833€40,747▲ 46.4%
Accrued charges and deferred income492/3-€1,878€2,103€2,442€733▼ 70.0%
Line20202021202220242025Change
Profit (loss) for the period9904€8,360€34,479-€2,712€35,518-€529▼ 101%
+ Depreciation and write-downs630€20,571€14,599€10,681---
Operating cash flow (approximation)€28,931€49,078€7,969€35,518-€529▼ 101%
Investment in fixed assets (approximation)--€67,607-€1,638--€50-
Change in cash-€14,579€9,664--€4,282-

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-12-2026
2026
06-01
NBB filing Annual accounts filed
fiscal year 2024 · micro schema · 371 days late
2025
27-11
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
2024
31-05
Financial Back to profitnet €35,518
Net result €35,518 after one loss-making year.
31-05
Financial Liquidity doublescurrent ratio 2.83
Current ratio from 1.21 to 2.83; short-term debt falls from €89,974 to €49,493.
31-05
Financial Equity above €100,000Eq €114,570 ▲44.9%
Equity rises from €79,052 to €114,570.
2023
31-08
NBB filing Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial Weakest financial yearnet -€2,712
Net result drops to -€2,712, the lowest in the series; recovery starts the following year.
28-09
NBB filing Annual accounts filed
fiscal year 2021 · micro schema · 59 days late
2021
25-08
NBB filing Annual accounts filed
fiscal year 2020 · micro schema · 25 days late
2020
13-10
NBB filing Annual accounts filed
fiscal year 2019 · micro schema · 74 days late
2019
31-12
Financial Liquidity triplescurrent ratio 1.67
Current ratio from 0.51 to 1.67; short-term debt falls from €84,632 to €65,137.
30-08
NBB filing Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
Show earlier events
2018
26-09
NBB filing Annual accounts filed
fiscal year 2017 · micro schema · 57 days late
2017
29-08
NBB filing Annual accounts filed
fiscal year 2016 · micro schema · 29 days late
2016
13-09
NBB filing Annual accounts filed
fiscal year 2015 · full schema · 44 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts

We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

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Directors · office · real estate

Directors
2 acts for this company are 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, Hamois · 2 establishment units since 2017
seat establishment approximate All 2 establishment units on the map
Ground area
3,575 m²
Building footprint
649 m²
2 parcels, Wallonia. Linked by address, not a title deed.
2 establishment units
HOJO
Rue du Monument, Schaltin 32, 5364 HamoisGeneral medical practice
since 20172.269.069.629
HOJO
Allée des Bovidés 2, 5590 CineyGeneral medical practice
since 20172.269.069.728
2 parcels
Wallonia 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
91030B0390/00W000 Wallonia 2,864 m² 1 · 482 m² -
91116B0662/00N003 Wallonia 711 m² 1 · 168 m² -
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.

Identification & contact

Identification
Legal formPrivate limited company
Founded15-01-2013
Fiscal year end31-05
Contact
E-mail le.claude@hotmail.comHamois
Phone 0495/51.60.34Hamois
E-invoicing
Not found in the Peppol register

No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.

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Register as of 28 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.