Psychiater JMW
ActivePsychiater JMW has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €71k and a net result of €48k. Equity is growing by ~138.3% per year across the filed fiscal years. Its solvency ranks better than 74% of 16527 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
98
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Track record94
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 6.07 against 4.22 in 2024; short-term debt: 16.5% and cash: 89% of total assets), and 16.5% 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
83.5%
Return on assets
56%
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 09-02-2026, 172 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
172 d early
2024
55 d early
2023
47 d early
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€71k▲ 203%
2024 · €23k
2023: €6k
2024: €23k
2023 → 2025
Total assets
€85k▲ 177%
2024 · €31k
2023: €9k
2024: €31k
2023 → 2025
Net result
€48k▲ 176%
2024 · €17k
2023: €6k
2024: €17k
2023 → 2025
Working capital
€71k▲ 203%
2024 · €23k
2023: €6k
2024: €23k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€6k-€23k▲ 279%€71k▲ 203%
Operating result€8k-€22k▲ 180%€60k▲ 173%
Net result€6k-€17k▲ 183%€48k▲ 176%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2025 is 173% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €85k
Equity
€71k▲ 203%
Debt
€14k▲ 92.6%
The debt ratio falls from 23.7% to 16.5%. Equity and debt are higher.
Key figures and ratios
Solvency
83.5%▲
2024 · 76.3%
Current ratio
6.07▲
2024 · 4.22
Quick ratio
6.07▲
2024 · 4.22
Debt / equity
0.20▼
2024 · 0.31
ROE
67.0%▼
2024 · 73.6%
ROA
56.0%▼
2024 · 56.2%
Debt
€14k▲
2024 · €7k
Debt ≤ 1 year
€14k▲
2024 · €7k
Income taxes
€12k▲
2024 · €5k
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€31k€85k▲
Current assets29/58€31k€85k▲
Amounts receivable within one year40/41€55-
Trade receivables40€55-
Cash at bank and in hand54/58€26k€76k▲
Deferred charges and accrued income490/1€4k€9k▲
Equity and liabilities
Total equity and liabilities10/49€31k€85k▲
Equity10/15€23k€71k▲
Contributions10/11€100€100=
Reserves13€23k€71k▲
Distributable reserves133€23k€71k▲
Amounts payable17/49€7k€14k▲
Amounts payable within one year42/48€7k€14k▲
Trade debts44-€115
Suppliers440/4-€115
Taxes, remuneration and social security45€7k€12k▲
Taxes450/3€7k€12k▲
Remuneration and social security454/9€68-
Other amounts payable47/48€528€2k▲
Income statement
Code20242025
Other operating charges640/8€64€66▲
Gross operating margin9900€22k€60k▲
Operating profit (loss)9901€22k€60k▲
Financial income75/76B-€191
Recurring financial income75-€191
Financial charges65/66B€46€45▼
Recurring financial charges65€46€45▼
Profit (loss) for the period before taxes9903€22k€60k▲
Income taxes67/77€5k€12k▲
Profit (loss) for the period9904€17k€48k▲
Profit (loss) for the period to be appropriated9905€17k€48k▲
Appropriation of the result
Profit (loss) to be appropriated9906€17k€48k▲
Transfer to equity691/2€17k€48k▲
To other reserves6921€17k€48k▲
The notes to these accounts (1 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
09-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2023net €48k ▲176%
Operating result €60k, net result €48k, both a record.
06-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
14-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Leuven · 1 establishment unit since 2023
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.
Wilselsesteenweg 2463010 LeuvenGround area
4,041 m²
Building footprint
77 m²
Volume, LiDAR
612 m³
Parcel 24051A0220/00B002, Flanders · tallest building 10.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Wilselsesteenweg 246, 3010 Leuven
since 20232.349.533.109
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24051A0220/00B002 | Flanders | 4,041 m² | 1 · 77 m² | 10.5 m · 3 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.
Similar companies · same sector, comparable size
APSYZ
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Canavar Neurology Consultancy
BE 1017.507.333
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Therapiecentrum Zandhoven
BE 0480.291.342
Grobbendonk · Eq €72k
PSYCHIATER BARBARA MEYER
BE 0735.852.094
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Bosmans Consulting
BE 0632.773.758
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Of 5,524 companies in sector 86931 we hold annual accounts for 550. 435 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-09-2023
Fiscal year end31-12
Activities, NACEBEL
86904Human health activities
86931Psychology services
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.