Psilos BV
ActivePsilos BV has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €16.54M and a net result of €338k. Equity remains stable across the filed fiscal years (±2.1% per year). Its solvency ranks better than 95% of 7892 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
94
/ 100
Excellent▲ +42 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability10▲+10
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.6M at 30 days acceptable
Liquidity ample (current ratio 2.42 against 2.62 in 2024), and 5.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
94.2%
Return on assets
1.9%
Age of the figures
18 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 28-02-2025 was due by 30-09-2025 and was filed on 01-10-2025, 1 day 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 · 10 filingsDeviation from the deadline
2025
1 d late
2024
7 d late
2023
4 d late
2022
14 d late
2021
25 d late
2020
50 d late
2019
on the day
← before the deadline
after the deadline →
Financials · fiscal year 2025, abbreviated schema
Equity
€16.54M▲ 2.1%
2024 · €16.20M
2019: €14.11M
2020: €15.15M
2021: €15.93M
2022: €15.88M
2023: €16.26M
2024: €16.20M
2019 → 2025
Total assets
€17.56M▲ 3.4%
2024 · €16.98M
2019: €20.48M
2020: €16.66M
2021: €16.53M
2022: €16.51M
2023: €16.98M
2024: €16.98M
2019 → 2025
Net result
€338k
2024 · €-63k
2019: €-182k
2020: €1.05M
2021: €779k
2022: €-52k
2023: €379k
2024: €-63k
2019 → 2025
Working capital
€1.45M▲ 14.0%
2024 · €1.28M
2019: €-574k
2020: €219k
2021: €1.06M
2022: €1.06M
2023: €1.35M
2024: €1.28M
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€15.93M-€15.88M▼ 0.3%€16.26M▲ 2.4%€16.20M▼ 0.4%€16.54M▲ 2.1%
Operating result€750k-€-80k€7k€-78k€285k
Net result€779k-€-52k€379k€-63k€338k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €285k after a loss of €78k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €17.56M
Fixed assets
€15.08M▲ 1.1%
Current assets
€2.48M▲ 20.2%
Equity and liabilities €17.56M
Equity
€16.54M▲ 2.1%
Debt
€1.03M▲ 30.4%
The debt ratio rises from 4.6% to 5.8%: debt grows faster than equity.
Key figures and ratios
EBITDA
€344k▲
2024 · €-20k
Cash flow
€397k▲
2024 · €-5k
Solvency
94.2%▼
2024 · 95.4%
Current ratio
2.42▼
2024 · 2.62
Quick ratio
2.42▼
2024 · 2.62
Debt / equity
0.06▲
2024 · 0.05
ROE
2.0%▲
2024 · -0.4%
ROA
1.9%▲
2024 · -0.4%
Interest coverage
11.37▲
2024 · -0.68
Debt
€1.03M▲
2024 · €787k
Debt ≤ 1 year
€1.03M▲
2024 · €787k
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€16.98M€17.56M▲
Fixed assets21/28€14.92M€15.08M▲
Intangible fixed assets21€296k€238k▼
Financial fixed assets28€14.63M€14.84M▲
Current assets29/58€2.06M€2.48M▲
Amounts receivable after more than one year29€0-
Other amounts receivable291€0-
Amounts receivable within one year40/41€2.06M€2.47M▲
Trade receivables40€125k€6k▼
Other amounts receivable41€1.93M€2.46M▲
Cash at bank and in hand54/58€6k€13k▲
Deferred charges and accrued income490/1€0€224▲
Equity and liabilities
Total equity and liabilities10/49€16.98M€17.56M▲
Equity10/15€16.20M€16.54M▲
Contributions10/11€3.79M€3.79M=
Reserves13€12.41M€12.75M▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€12.41M€12.75M▲
Amounts payable17/49€787k€1.03M▲
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€787k€1.03M▲
Current portion of amounts payable after more than one year42€0-
Trade debts44€103k€2k▼
Suppliers440/4€103k€2k▼
Taxes, remuneration and social security45€0-
Taxes450/3€0-
Other amounts payable47/48€684k€1.02M▲
Accrued charges and deferred income492/3€82€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€59k€59k=
Other operating charges640/8€2k€25k▲
Gross operating margin9900€-18k€369k▲
Operating profit (loss)9901€-78k€285k▲
Financial income75/76B€45k€89k▲
Recurring financial income75€45k€89k▲
Financial charges65/66B€29k€36k▲
Recurring financial charges65€29k€30k▲
Non-recurring financial charges66B-€6k
Profit (loss) for the period before taxes9903€-63k€338k▲
Income taxes67/77€0-
Profit (loss) for the period9904€-63k€338k▲
Profit (loss) for the period to be appropriated9905€-63k€338k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-63k€338k▲
Transfer from equity791/2€63k€0▼
Transfer to equity691/2€0€338k▲
To other reserves6921€0€338k▲
Social balance
Average headcount (FTE)9087-0.0
The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
01-10
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 1 day late
28-02
Financial
Back to profitnet €338k
Net result €338k after one loss-making year.
2024
07-10
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 7 days late
2023
04-10
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 4 days late
28-02
Financial
Back to profitnet €379k
Net result €379k after one loss-making year.
2022
14-10
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 14 days late
2021
25-10
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 25 days late
28-02
Financial
Liquidity triplescurrent ratio 3.69
Current ratio from 1.17 to 3.69; short-term debt falls from €1.31M to €392k.
2020
19-11
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 50 days late
29-02
Financial
Back to profitnet €1.05M
Net result €1.05M after one loss-making year.
2019
30-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
12-09
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
11-10
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 11 days late
2016
16-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Oud-Turnhout · 1 establishment unit since 2008
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.
Sparrendreef 52360 Oud-TurnhoutGround area
2,642 m²
Building footprint
312 m²
Volume, LiDAR
1,868 m³
Parcel 13482F1171/00C004, Flanders · tallest building 10.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Psilos
since 20082.177.393.048
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13482F1171/00C004 | Flanders | 2,642 m² | 1 · 312 m² | 10.9 m · 2 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.
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Of 1,733 companies in sector 46150 we hold annual accounts for 750. 43 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded16-12-2008
Fiscal year end28-02
Activities, NACEBEL
46150Agents in the wholesale of furniture, household goods and hardware
46160Agents in the wholesale of textiles, clothing, fur, footwear and leather goods
46180Agents specialised in the wholesale of other particular products
63120Computing infrastructure, data processing, hosting and other information service activities
63910Web portal activities
64200Holdings
64210Activities of holding companies
77400Rental and leasing activities
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 10-09-2026. Scores and ratios are computed by Checked and are not a credit decision.