psyCARE
ActiveSummary
psyCARE has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €246,949 and a net result of €45,234. Equity is growing by ~20.3% per year across the filed fiscal years. Its solvency ranks better than 45% of 16718 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability82▲+1
Solvency82▼-5
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €20,000 at 30 days acceptable
Liquidity ample (current ratio 4.43 against 9.03 in 2024; short-term debt: 13.6% and cash: 18.2% of total assets), and 42.6% of the assets are financed with debt.
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Show the recommended maximum : and see how the verdict changes with amount, term and advance.
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
Human health activities (NACE 86)
about 87% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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
57.4%
Return on assets
10.5%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-07-2026, 4 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
4 d early
2024
6 d early
2023
28 d late
2022
28 d early
2021
19 d early
2020
29 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 10 days before the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€246,949▼ 6.7%
2024 · €264,615
Total assets
€430,428▲ 0.7%
2024 · €427,538
Net result
€45,234▲ 8.5%
2024 · €41,675
Working capital
€199,911▼ 5.9%
2024 · €212,510
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 86, Human health activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€54,015▲ 49.8%€61,902▲ 14.6%€71,293▲ 15.2%€64,953▼ 8.9%€69,246▲ 6.6%
Net result€24,657within the sector's middle half▼ 3.2%€48,626within the sector's middle half▲ 97.2%€47,688within the sector's middle half▼ 1.9%€41,675within the sector's middle half▼ 12.6%€45,234within the sector's middle half▲ 8.5%
Equity€126,625within the sector's middle half▲ 24.2%€175,251within the sector's middle half▲ 38.4%€222,939within the sector's middle half▲ 27.2%€264,615within the sector's middle half▲ 18.7%€246,949within the sector's middle half▼ 6.7%
Total assets€357,643within the sector's middle half▲ 11.9%€387,301within the sector's middle half▲ 8.3%€395,149within the sector's middle half▲ 2.0%€427,538within the sector's middle half▲ 8.2%€430,428within the sector's middle half▲ 0.7%
Debt€231,018▲ 6.2%€212,050▼ 8.2%€172,209▼ 18.8%€162,923▼ 5.4%€183,479▲ 12.6%
Working capital€65,128▲ 5.0%€121,498▲ 86.6%€170,945▲ 40.7%€212,510▲ 24.3%€199,911▼ 5.9%
Solvency35.4%below the sector's middle half▲ 3.5pp45.2%within the sector's middle half▲ 9.8pp56.4%within the sector's middle half▲ 11.2pp61.9%within the sector's middle half▲ 5.5pp57.4%within the sector's middle half▼ 4.5pp
above
within
below
the middle half (P25 to P75) of NACE 86, Human health activities, each year against the same schema; no band under 30 filings.
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 7% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €430,428
Fixed assets
€172,175 ▼ 8.7%
Current assets
€258,253 ▲ 8.1%
Equity and liabilities €430,428
Equity
€246,949 ▼ 6.7%
Debt
€183,479 ▲ 12.6%
Debt's share of the balance-sheet total rises from 38.1% to 42.6%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€90,199▲
2024 · €86,223
Cash flow
€66,186▲
2024 · €62,946
Current ratio
4.43▼
2024 · 9.03
Debt to equity
0.74▲
2024 · 0.62
ROE
18.3%▲
2024 · 15.7%
ROA
10.5%▲
2024 · 9.7%
Interest coverage
26.47▲
2024 · 22.66
Debt ≤ 1 year
€58,342▲
2024 · €26,480
Debt > 1 year
€124,897▼
2024 · €136,443
Income taxes
€21,745▲
2024 · €19,725
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 34,672 companies that looked in July 2024 the way this one looks now, 0.6% went bankrupt within 24 months and 95% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.6%
went bankrupt
3.9%
stopped otherwise
95%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.1% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 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% | 1.6% |
| 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 74% 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 34,672 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
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €251 | €551 | - | €39 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €25,008 | €29,658 | €21,800 | €21,271 | €20,952 | ▼ 1.5% |
| Other operating charges640/8 | €2,426 | €2,910 | €4,823 | €4,015 | €2,145 | ▼ 46.6% |
| Non-recurring operating charges66A | - | - | - | - | €508 | - |
| Gross operating margin9900 | €81,700 | €95,022 | €97,916 | €90,277 | €92,852 | ▲ 2.9% |
| Operating profit (loss)9901 | €54,015 | €61,902 | €71,293 | €64,953 | €69,246 | ▲ 6.6% |
| Financial income75/76B | €429 | €1,302 | €617 | €253 | €1,141 | ▲ 351% |
| Recurring financial income75 | €429 | €1,302 | €617 | €253 | €1,141 | ▲ 351% |
| Financial charges65/66B | €3,465 | €3,209 | €3,243 | €3,806 | €3,408 | ▼ 10.5% |
| Recurring financial charges65 | €3,465 | €3,209 | €3,243 | €3,806 | €3,408 | ▼ 10.5% |
| Profit (loss) for the period before taxes9903 | €50,979 | €59,995 | €68,667 | €61,400 | €66,979 | ▲ 9.1% |
| Income taxes67/77 | €26,323 | €11,368 | €20,979 | €19,725 | €21,745 | ▲ 10.2% |
| Profit (loss) for the period9904 | €24,657 | €48,626 | €47,688 | €41,675 | €45,234 | ▲ 8.5% |
| Profit (loss) for the period to be appropriated9905 | €24,657 | €48,626 | €47,688 | €41,675 | €45,234 | ▲ 8.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €357,643 | €387,301 | €395,149 | €427,538 | €430,428 | ▲ 0.7% |
| Fixed assets21/28 | €246,405 | €218,862 | €202,880 | €188,548 | €172,175 | ▼ 8.7% |
| Tangible fixed assets22/27 | €245,880 | €218,337 | €202,355 | €188,023 | €172,175 | ▼ 8.4% |
| Land and buildings22 | €190,925 | €181,364 | €177,454 | €167,443 | €157,630 | ▼ 5.9% |
| Plant, machinery and equipment23 | €904 | €2,018 | €1,156 | €5,356 | €7,519 | ▲ 40.4% |
| Furniture and vehicles24 | €54,050 | €34,954 | €23,745 | €15,224 | €7,027 | ▼ 53.8% |
| Financial fixed assets28 | €525 | €525 | €525 | €525 | - | - |
| Current assets29/58 | €111,239 | €168,439 | €192,268 | €238,990 | €258,253 | ▲ 8.1% |
| Amounts receivable within one year40/41 | €16,698 | €25,859 | €41,243 | €44,792 | €18,354 | ▼ 59.0% |
| Trade receivables40 | €16,698 | €25,859 | €36,144 | €44,792 | €18,341 | ▼ 59.1% |
| Other amounts receivable41 | - | - | €5,099 | - | €13 | - |
| Current investments50/53 | €55,200 | €80,109 | €104,687 | €128,939 | €157,939 | ▲ 22.5% |
| Cash at bank and in hand54/58 | €39,090 | €62,155 | €46,023 | €64,943 | €78,227 | ▲ 20.5% |
| Deferred charges and accrued income490/1 | €250 | €316 | €316 | €316 | €3,733 | ▲ 1,081% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €357,643 | €387,301 | €395,149 | €427,538 | €430,428 | ▲ 0.7% |
| Equity10/15 | €126,625 | €175,251 | €222,939 | €264,615 | €246,949 | ▼ 6.7% |
| Contributions10/11 | €1,000 | €1,000 | €1,000 | €1,000 | €1,000 | = |
| Reserves13 | €87,500 | €136,100 | €183,700 | €225,300 | €245,949 | ▲ 9.2% |
| Distributable reserves133 | €87,500 | €136,100 | €183,700 | €225,300 | €245,949 | ▲ 9.2% |
| Profit (loss) carried forward14 | €38,125 | €38,151 | €38,239 | €38,315 | - | - |
| Amounts payable17/49 | €231,018 | €212,050 | €172,209 | €162,923 | €183,479 | ▲ 12.6% |
| Amounts payable after more than one year17 | €184,907 | €165,108 | €150,886 | €136,443 | €124,897 | ▼ 8.5% |
| Financial debts170/4 | €184,907 | €165,108 | €150,886 | €136,443 | €124,897 | ▼ 8.5% |
| Amounts payable within one year42/48 | €46,111 | €46,941 | €21,323 | €26,480 | €58,342 | ▲ 120% |
| Current portion of amounts payable after more than one year42 | €21,686 | €19,799 | €14,222 | €14,443 | €11,546 | ▼ 20.1% |
| Trade debts44 | €1,453 | €2,574 | €815 | €1,898 | €5,385 | ▲ 184% |
| Suppliers440/4 | €1,453 | €2,574 | €815 | €1,898 | €5,385 | ▲ 184% |
| Taxes, remuneration and social security45 | €21,563 | €23,574 | €5,899 | €10,113 | €15,781 | ▲ 56.0% |
| Taxes450/3 | €21,563 | €23,574 | €5,899 | €10,113 | €15,781 | ▲ 56.0% |
| Other amounts payable47/48 | €1,409 | €994 | €387 | €26 | €25,631 | ▲ 96,914% |
| Accrued charges and deferred income492/3 | - | - | - | - | €240 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €24,657 | €48,626 | €47,688 | €41,675 | €45,234 | ▲ 8.5% |
| + Depreciation and write-downs630 | €25,008 | €29,658 | €21,800 | €21,271 | €20,952 | ▼ 1.5% |
| Operating cash flow (approximation) | €49,664 | €78,284 | €69,488 | €62,946 | €66,186 | ▲ 5.1% |
| Investment in fixed assets (approximation) | - | -€2,116 | -€5,818 | -€6,938 | -€4,580 | ▲ 34.0% |
| Change in cash | - | €23,065 | -€16,132 | €18,920 | €13,285 | ▼ 29.8% |
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
Next filing, fiscal year 2026, expected by
2026
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
31-12
Financial
Liquidity triplescurrent ratio 9.02
Current ratio from 3.59 to 9.02; short-term debt falls from €46,941 to €21,323.
31-12
Financial
Equity above €200,000Eq €222,939 ▲27.2%
4 profitable years in a row build equity to €222,939.
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2020net €48,626 ▲97.2%
Net result €48,626, the highest in the series.
31-12
Financial
Equity above €150,000Eq €175,251 ▲38.4%
3 profitable years in a row build equity to €175,251.
12-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €24,657 ▼3.2%
Net result drops to €24,657, the lowest in the series; recovery starts the following year.
02-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
3 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, Rumst · 2 establishment units since 2016
Ground area
1,359 m²
Building footprint
569 m²
Volume, LiDAR
5,608 m³
2 parcels, Flanders · tallest building 23.1 m, ±4 floors. Linked by address, not a title deed.
2 establishment units
psyCARE
since 20162.255.260.094
Boomsestraat 9, 2845 Niel
since 20202.301.222.060
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11030B0438/00A000 | Flanders | 724 m² | 1 · 465 m² | 23.1 m · 4 fl. |
| 11036A0413/00Y003 | Flanders | 635 m² | 1 · 104 m² | 10.0 m |
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.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 769 EUR awarded · 769 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 769 EUR | 769 EUR |
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Of 5,533 companies in sector 86931 we hold annual accounts for 553. 323 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded14-07-2016
Fiscal year end31-12
Activities, NACEBEL 2025
86931Psychology services
58190Other publishing activities, excluding software publishing
85599Other education
86995Nutrition and dietetics services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0659865759
Also
9925:BE0659865759
Registered
18-03-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.