Psychia
ActivePsychia has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €256k and a net result of €215k. Equity is growing by ~2.5% per year across the filed fiscal years. Its solvency ranks better than 95% of 16408 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
90
/ 100
Excellent▼ -10 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €23k at 30 days acceptable
Liquidity ample (current ratio 40.88 against 15.45 in 2024), and 1.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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
98.1%
Return on assets
82.6%
Age of the figures
8 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 27-02-2026, 154 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
154 d early
2024
6 d early
2023
23 d late
2022
31 d late
2021
31 d late
2020
9 d early
2019
5 d late
← before the deadline
after the deadline →
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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€256k▼ 1.1%
2024 · €259k
2019: €150k
2020: €289k
2021: €471k
2022: €237k
2023: €231k
2024: €259k
2019 → 2025
Total assets
€261k▼ 4.4%
2024 · €273k
2019: €201k
2020: €379k
2021: €525k
2022: €304k
2023: €239k
2024: €273k
2019 → 2025
Net result
€215k▼ 8.3%
2024 · €235k
2019: €137k
2020: €140k
2021: €175k
2022: €191k
2023: €176k
2024: €235k
2019 → 2025
Working capital
€181k▼ 8.7%
2024 · €198k
2019: €133k
2020: €279k
2021: €468k
2022: €234k
2023: €229k
2024: €198k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€471k-€237k▼ 49.6%€231k▼ 2.8%€259k▲ 12.1%€256k▼ 1.1%
Operating result€228k-€252k▲ 10.4%€232k▼ 8.0%€304k▲ 31.1%€282k▼ 7.2%
Net result€175k-€191k▲ 9.3%€176k▼ 8.3%€235k▲ 33.5%€215k▼ 8.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 7% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €261k
Fixed assets
€76k▲ 23.3%
Current assets
€185k▼ 12.5%
Equity and liabilities €261k
Equity
€256k▼ 1.1%
Debt
€5k▼ 64.8%
The debt ratio falls from 5.2% to 1.9%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€292k▼
2024 · €307k
Cash flow
€225k▼
2024 · €237k
Solvency
98.1%▲
2024 · 94.8%
Current ratio
40.88▲
2024 · 15.45
Quick ratio
40.88▲
2024 · 15.45
Debt / equity
0.02▼
2024 · 0.05
ROE
84.2%▼
2024 · 90.7%
ROA
82.6%▼
2024 · 86.0%
Interest coverage
1829.65▼
2024 · 2481.45
Debt
€5k▼
2024 · €14k
Debt ≤ 1 year
€5k▼
2024 · €14k
Income taxes
€67k▼
2024 · €73k
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€273k€261k▼
Fixed assets21/28€61k€76k▲
Intangible fixed assets21€383€283▼
Tangible fixed assets22/27€61k€75k▲
Plant, machinery and equipment23€56-
Furniture and vehicles24€3k€2k▼
Other tangible fixed assets26€58k€73k▲
Current assets29/58€211k€185k▼
Amounts receivable after more than one year29€16k€29k▲
Other amounts receivable291€16k€29k▲
Amounts receivable within one year40/41-€13k
Other amounts receivable41-€13k
Current investments50/53€10k€22k▲
Cash at bank and in hand54/58€126k€60k▼
Deferred charges and accrued income490/1€60k€61k▲
Equity and liabilities
Total equity and liabilities10/49€273k€261k▼
Equity10/15€259k€256k▼
Contributions10/11€19k€19k=
Reserves13€240k€237k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€238k€235k▼
Amounts payable17/49€14k€5k▼
Amounts payable within one year42/48€14k€5k▼
Trade debts44€3k€2k▼
Suppliers440/4€3k€2k▼
Taxes, remuneration and social security45€10k€3k▼
Taxes450/3€10k€3k▼
Accrued charges and deferred income492/3€428€442▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€9k▲
Other operating charges640/8€716€712▼
Gross operating margin9900€308k€292k▼
Operating profit (loss)9901€304k€282k▼
Financial income75/76B€4k€75▼
Recurring financial income75€4k€75▼
Financial charges65/66B€124€159▲
Recurring financial charges65€124€159▲
Profit (loss) for the period before taxes9903€308k€282k▼
Income taxes67/77€73k€67k▼
Profit (loss) for the period9904€235k€215k▼
Profit (loss) for the period to be appropriated9905€235k€215k▼
Appropriation of the result
Profit (loss) to be appropriated9906€235k€215k▼
Transfer from equity791/2€207k€218k▲
Transfer to equity691/2€235k€215k▼
To other reserves6921€235k€215k▼
Profit to be distributed694/7€207k€218k▲
Return on contributions (dividend)694€207k€218k▲
The notes to these accounts (8 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
2026
27-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity triplescurrent ratio 40.88
Current ratio from 15.45 to 40.88; short-term debt falls from €14k to €5k.
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2019net €235k ▲33.5%
Operating result €304k, net result €235k, both a record.
23-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 23 days late
2023
31-12
Financial
Liquidity times 7current ratio 30.28
Current ratio from 4.51 to 30.28; short-term debt falls from €67k to €8k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Liquidity doublescurrent ratio 9.70
Current ratio from 4.11 to 9.70; short-term debt falls from €90k to €54k.
22-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €200kEq €289k ▲93.5%
2 profitable years in a row build equity to €289k.
05-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 5 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Mortsel · 1 establishment unit since 2018
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.
Nieuwelei 352640 MortselGround area
808 m²
Building footprint
123 m²
Parcel 11513C0475/00C006, Flanders. Linked by address, not a title deed.
1 establishment unit
NIEL MERCKX
since 20182.282.917.071
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11513C0475/00C006 | Flanders | 808 m² | 1 · 123 m² | - |
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 16,601 companies in sector 86220 we hold annual accounts for 7,960. 6,658 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-10-2018
Fiscal year end31-12
Activities, NACEBEL
86220Specialist medical practice
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.