Physio Telukov
ActiveSummary
Physio Telukov has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €95k and a net result of €37k. Equity is growing by ~55.3% per year across the filed fiscal years. Its solvency ranks better than 87% of 16546 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
98
/ 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▲+26
Track record94
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 16.88 against 20.78 in 2024; short-term debt: 5.9% and cash: 92.7% of total assets), and 7.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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
Sector 86
lower
← 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
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
92.7%
Return on assets
35.9%
Age of the figures
18 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 30-10-2025, 1 day ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
1 d early
2024
31 d early
2023
27 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close24-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€95k▲ 63.2%
2024 · €58k
2023: €31k
2024: €58k
2023 → 2025
Total assets
€103k▲ 67.9%
2024 · €61k
2023: €36k
2024: €61k
2023 → 2025
Net result
€37k▲ 29.7%
2024 · €28k
2023: €29k
2024: €28k
2023 → 2025
Working capital
€96k▲ 71.7%
2024 · €56k
2023: €26k
2024: €56k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€31k-€58k▲ 89.9%€95k▲ 63.2%
Operating result€37k-€36k▼ 0.4%€48k▲ 30.5%
Net result€29k-€28k▼ 2.0%€37k▲ 29.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 31% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €103k
Fixed assets
€913 ▼ 64.6%
Current assets
€102k ▲ 73.7%
Equity and liabilities €103k
Equity
€95k ▲ 63.2%
Debt
€7k ▲ 164%
Debt's share of the balance-sheet total rises from 4.6% to 7.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€49k▲
2024 · €38k
Cash flow
€39k▲
2024 · €30k
Current ratio
16.88▼
2024 · 20.78
Debt to equity
0.08▲
2024 · 0.05
ROE
38.7%▼
2024 · 48.8%
ROA
35.9%▼
2024 · 46.5%
Interest coverage
1140.33▲
2024 · 552.77
Debt ≤ 1 year
€6k▲
2024 · €3k
Income taxes
€11k▲
2024 · €8k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 39 lines
Balance sheet
Code20242025
Assets
Total assets20/58€61k€103k▲
Fixed assets21/28€3k€913▼
Tangible fixed assets22/27€3k€913▼
Furniture and vehicles24€3k€913▼
Current assets29/58€59k€102k▲
Amounts receivable within one year40/41€6k€7k▲
Trade receivables40€6k€7k▲
Other amounts receivable41€55€0▼
Cash at bank and in hand54/58€52k€95k▲
Deferred charges and accrued income490/1€8€62▲
Equity and liabilities
Total equity and liabilities10/49€61k€103k▲
Equity10/15€58k€95k▲
Contributions10/11€3k€3k=
Reserves13€56k€93k▲
Distributable reserves133€56k€93k▲
Profit (loss) carried forward14-€0
Amounts payable17/49€3k€7k▲
Amounts payable within one year42/48€3k€6k▲
Trade debts44€2k€3k▲
Suppliers440/4€2k€3k▲
Taxes, remuneration and social security45€300€3k▲
Taxes450/3€300€3k▲
Other amounts payable47/48€833€189▼
Accrued charges and deferred income492/3-€1k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k=
Other operating charges640/8€2k€2k▲
Gross operating margin9900€40k€51k▲
Operating profit (loss)9901€36k€48k▲
Financial charges65/66B€69€43▼
Recurring financial charges65€69€43▼
Profit (loss) for the period before taxes9903€36k€48k▲
Income taxes67/77€8k€11k▲
Profit (loss) for the period9904€28k€37k▲
Profit (loss) for the period to be appropriated9905€28k€37k▲
Appropriation of the result
Profit (loss) to be appropriated9906€28k€37k▲
Transfer to equity691/2€28k€37k▲
To other reserves6921€28k€37k▲
Profit to be distributed694/7€833€0▼
Return on contributions (dividend)694€833€0▼
The notes to these accounts (5 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
2025
30-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Highest result since 2023net €37k ▲29.7%
Operating result €48k, net result €37k, both a record.
2024
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-03
Financial
Weakest financial yearnet €28k ▼2%
Net result drops to €28k, the lowest in the series; recovery starts the following year.
31-03
Financial
Liquidity triplescurrent ratio 20.78
Current ratio from 6.19 to 20.78; short-term debt falls from €5k to €3k.
2023
04-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
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, Kortrijk · 1 establishment unit since 2022
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.
Burgemeester Gillonlaan(Kor) 28500 KortrijkGround area
221 m²
Building footprint
93 m²
Volume, LiDAR
764 m³
Parcel 34354C0227/00L005, Flanders · tallest building 11.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Burgemeester Gillonlaan(Kor) 2, 8500 Kortrijk
since 20222.336.143.545
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34354C0227/00L005 | Flanders | 221 m² | 1 · 93 m² | 11.2 m · 3 fl. |
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.
Public money · subsidies and aid
Flemish government
2023 to 2025 · 3 entries · 844 EUR awarded · 1,468 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 345 EUR | 345 EUR |
| 2024 | 1 | 403 EUR | 403 EUR |
| 2023 | 1 | 96 EUR | 720 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 5,524 companies in sector 86931 we hold annual accounts for 550. 424 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-09-2022
Fiscal year end31-03
Activities, NACEBEL 2025
86931Psychology services
93199Other sports activities
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.