PSY CONSULT
ActiveSummary
The computed 12-month bankruptcy probability of PSY CONSULT is 2.7% (moderate). The 2024 annual accounts show equity of €151,133 and a net result of €93,104. Equity is growing by ~5.3% per year across the filed fiscal years. The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
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Signals
This company filed its last 5 accounts on average 41 days before 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 (1)
History
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Financials · fiscal year 2024, micro schema
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Peer companies
Historical observationOf the 26,970 companies that looked in July 2024 the way this one looks now, 1.5% went bankrupt within 24 months and 95% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 2.7% 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%.
| 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 26,970 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.
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €24,487 | €29,285 | €27,825 | €27,203 | €27,923 | ▲ 2.6% |
| Other operating charges640/8 | - | €1,824 | €608 | €661 | €680 | ▲ 2.9% |
| Gross operating margin9900 | €146,027 | €113,467 | €106,402 | €136,058 | €148,086 | ▲ 8.8% |
| Operating profit (loss)9901 | €119,243 | €82,359 | €77,970 | €108,194 | €119,483 | ▲ 10.4% |
| Financial income75/76B | - | €14 | - | - | €1 | - |
| Recurring financial income75 | - | €14 | - | - | €1 | - |
| Financial charges65/66B | - | €549 | €431 | €312 | €219 | ▼ 29.7% |
| Recurring financial charges65 | €492 | €549 | €431 | €312 | €219 | ▼ 29.7% |
| Profit (loss) for the period before taxes9903 | €118,751 | €81,824 | €77,538 | €107,882 | €119,264 | ▲ 10.6% |
| Income taxes67/77 | €33,226 | €23,216 | €14,561 | €21,965 | €26,160 | ▲ 19.1% |
| Profit (loss) for the period9904 | €85,526 | €58,608 | €62,978 | €85,918 | €93,104 | ▲ 8.4% |
| Profit (loss) for the period to be appropriated9905 | €85,526 | €58,608 | €62,978 | €85,918 | €93,104 | ▲ 8.4% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €302,425 | €216,828 | €264,054 | €327,483 | €257,270 | ▼ 21.4% |
| Fixed assets21/28 | €190,267 | €169,704 | €144,781 | €117,579 | €93,791 | ▼ 20.2% |
| Intangible fixed assets21 | €144,867 | €128,467 | €112,067 | €95,667 | €79,267 | ▼ 17.1% |
| Tangible fixed assets22/27 | €45,400 | €41,238 | €32,715 | €21,912 | €14,524 | ▼ 33.7% |
| Land and buildings22 | - | €2,796 | €5,416 | €5,126 | €4,836 | ▼ 5.7% |
| Furniture and vehicles24 | - | €38,441 | €27,299 | €16,786 | €9,688 | ▼ 42.3% |
| Current assets29/58 | €112,158 | €47,124 | €119,273 | €209,905 | €163,480 | ▼ 22.1% |
| Amounts receivable within one year40/41 | - | - | - | €8,057 | €17,803 | ▲ 121% |
| Trade receivables40 | - | - | - | €254 | - | - |
| Other amounts receivable41 | - | - | - | €7,803 | €17,803 | ▲ 128% |
| Cash at bank and in hand54/58 | €109,069 | €45,036 | €117,768 | €199,875 | €143,298 | ▼ 28.3% |
| Deferred charges and accrued income490/1 | - | €2,088 | €1,505 | €1,972 | €2,379 | ▲ 20.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €302,425 | €216,828 | €264,054 | €327,483 | €257,270 | ▼ 21.4% |
| Equity10/15 | €90,526 | €149,134 | €212,111 | €151,029 | €151,133 | ▲ 0.1% |
| Contributions10/11 | - | €5,000 | €5,000 | €5,000 | €5,000 | = |
| Reserves13 | €85,000 | €143,000 | €205,000 | €143,000 | €143,000 | = |
| Distributable reserves133 | - | €143,000 | €205,000 | €143,000 | €143,000 | = |
| Profit (loss) carried forward14 | €526 | €1,134 | €2,111 | €3,029 | €3,133 | ▲ 3.4% |
| Amounts payable17/49 | €211,899 | €67,695 | €51,943 | €176,454 | €106,137 | ▼ 39.9% |
| Amounts payable after more than one year17 | €32,512 | €23,373 | €14,115 | €4,736 | - | - |
| Financial debts170/4 | - | €23,373 | €14,115 | €4,736 | - | - |
| Amounts payable within one year42/48 | €179,387 | €44,321 | €37,828 | €171,719 | €106,137 | ▼ 38.2% |
| Current portion of amounts payable after more than one year42 | - | €9,139 | €9,258 | €9,379 | €4,736 | ▼ 49.5% |
| Trade debts44 | €39 | - | €61 | €61 | €778 | ▲ 1,186% |
| Suppliers440/4 | - | - | €61 | €61 | €778 | ▲ 1,186% |
| Taxes, remuneration and social security45 | - | €29,422 | €23,576 | €7,217 | €6,606 | ▼ 8.5% |
| Taxes450/3 | - | €29,422 | €23,576 | €7,217 | €6,606 | ▼ 8.5% |
| Other amounts payable47/48 | - | €5,760 | €4,933 | €155,062 | €94,018 | ▼ 39.4% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €85,526 | €58,608 | €62,978 | €85,918 | €93,104 | ▲ 8.4% |
| + Depreciation and write-downs630 | €24,487 | €29,285 | €27,825 | €27,203 | €27,923 | ▲ 2.6% |
| Operating cash flow (approximation) | €110,012 | €87,893 | €90,803 | €113,120 | €121,027 | ▲ 7.0% |
| Investment in fixed assets (approximation) | - | -€8,723 | -€2,902 | €0 | -€4,135 | - |
| Change in cash | - | -€64,033 | €72,732 | €82,107 | -€56,578 | ▼ 169% |
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
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.
Directors · office · real estate
1 establishment unit
1 parcel
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 84035C0545/02K000indicative | Wallonia | 709 m² | 1 · 122 m² | 6.7 m · 2 fl. |
Linked by address, not proof of ownership
Identification & contact
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.