PSY SERVICES
ActiveSummary
The computed 12-month bankruptcy probability of PSY SERVICES is 2.0% (moderate). The 2025 annual accounts show equity of €1,683 and a net result of -€1,817. The company has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Overview
Official details
Source: KBO- Status
- Active since 25-09-2024 Normal situation
- Activity
- “La pratique de la psychologie et psychothérapie dans le sens le plus large du…” (deed in French)From the articles, 8 activitiesNo NACE code in the KBO yet
- Financial year end
- 31 December
- Peppol
- Reachable since 08-06-2026
Board and ownership
- HEINE Audrey Micheline Michèle Godelieve100 sharesdeed of 27-09-2024
Financial position
- Bankruptcy probabilitywithin 12 months
- 2.0%
- Gross margin
- -€829
- Loss
- €1,817
- Equity
- €1,683
- Total assets
- €5,109
Score breakdownraises riskFounded in 2024No main activity registeredlowers riskLiquidity: current ratio 1.49, cash €5,109Size: total assets €5,109Show the evidence
Checked score
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (no NACE code, micro). It does better than 35% of them on solvency, 61% on liquidity and 4% on profitability.
The bankruptcy probability was computed on 04-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Searched, nothing found (1)
Financials
Financials · financial year 2025, micro format
Annual accounts 2025 filed on 01-07-2026 at the NBB
Turnover and EBIT margin are not published. The micro format does not require them.
| Line | 2025 |
|---|---|
| Other operating charges640/8 | €400 |
| Gross operating margin9900 | -€829 |
| Operating profit (loss)9901 | -€1,229 |
| Financial charges65/66B | €51 |
| Recurring financial charges65 | €51 |
| Profit (loss) for the period before taxes9903 | -€1,280 |
| Income taxes67/77 | €537 |
| Profit (loss) for the period9904 | -€1,817 |
| Profit (loss) for the period to be appropriated9905 | -€1,817 |
| Line | 2025 | |
|---|---|---|
| Assets | ||
| Total assets20/58 | €5,109 | |
| Current assets29/58 | €5,109 | |
| Cash at bank and in hand54/58 | €5,109 | |
| Equity and liabilities | ||
| Total equity and liabilities10/49 | €5,109 | |
| Equity10/15 | €1,683 | |
| Contributions10/11 | €3,500 | |
| Profit (loss) carried forward14 | -€1,817 | |
| Amounts payable17/49 | €3,426 | |
| Amounts payable within one year42/48 | €3,426 | |
| Taxes, remuneration and social security45 | €537 | |
| Taxes450/3 | €537 | |
| Other amounts payable47/48 | €2,889 | |
| Line | 2025 |
|---|---|
| Profit (loss) for the period9904 | -€1,817 |
| Operating cash flow (approximation) | -€1,817 |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Historical observation
In July 2024, 3,223 companies had the same profile as PSY SERVICES has now. Two years later, 87.8% were still going and 3.4% had gone bankrupt.
- Micro
- 2 to 5 years old
- solvency 30% or more
- a loss of 10% of the balance sheet or more
Another 0.2% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of PSY SERVICES itself: 2.0% within 12 months.
Test of the method
The method was tested on the 497,446 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 3,223 companies, not a prediction for PSY SERVICES. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Filings with the National Bank (1)
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 01-07-2026 | 2026-00252606 |
Board & ownership
Directors
Owners and capital
Shareholders
- HEINE Audrey Micheline Michèle Godelieve 100 shares (100%) · €3,500 in cash
Capital transactions
- 27-09-2024 Incorporation · €3,500 · 100 shares
Articles of association
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- “Rémunération des administrateurs, fixe ou proportionnelle”
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one.
- No statutory auditor
Articles of association, deed of 27-09-2024 (in French)
Network & group
PSY SERVICES shares no director with another company.
Companies at the same address
1 other companyConnections & network
1 current directorThe network starts from the directors of PSY SERVICES. Every other company they run is a node.
Timeline
Deeds, filings and financial milestones
27-09
Gazette deed
IncorporationFounding capital of €3,500, 100 shares · Founder: HEINE Audrey Micheline Michèle Godelieve · Appointment: HEINE Audrey Micheline Michèle Godelieve (director)5 points ▸
- Founder, HEINE Audrey Micheline Michèle Godelieve
- Founding capital, €3,500, 100 shares
- HEINE Audrey Micheline Michèle Godelieve holds all the shares
- Registered office clause, Anderlecht (1070 Bruxelles) rue Docteur Roux, 6
- Director appointment, HEINE Audrey Micheline Michèle Godelieve (director (not named in the articles))
- The deed holds 7 more points.
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
Company details
Register details
Identity
KBO recordRegistered office and establishments
Activities
8 activities
- La pratique de la psychologie et psychothérapie dans le sens le plus large du terme
- La supervision clinique individuelle et institutionnelle
- L’organisation d’évènements, de formation, de stages, de diverses activités et animation de groupes thérapeutiques
- L’enseignement et la formation dans diverses matières
- Toutes activités de formations, de supervisions et de projets de recherche dans le domaine psychosocial
- L’organisation d’activités dans le domaine de la psychologie et de la psychothérapie, notamment, sans que cette énumération ne soit limitative, l’organisation de consultations psychologiques, de psychothérapie, et/ou psychopédagogiques, les examens psychologiques, la médiation familiale, les expertises judiciaires, visant à l’accompagnement, le développement et à l’épanouissement de toutes personnes, exercées dans le cadre institutionnel, hospitalier ou privé
- L’organisation de conférences, colloques, journées de réflexion, séminaires, ou ateliers de formation dans le domaine de la psychologie et psychothérapie, à destination des professionnels de l’intervention sociale et des non-professionnels
- Le coaching ; l’organisation de groupes de paroles, groupes de réflexions à destination des professionnels de l’intervention sociale et des non-professionnels
Invoicing and payment
Financial year and general meeting
Accounts at the NBBSites & property
Buildings and parcels at the address
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 21308H0639/00Y007 | Brussels | 153 m² | 1 · 51 m² | 12.9 m · 4 |