PsychoLogic
ActiveSummary
The computed 12-month bankruptcy probability of PsychoLogic is 4.5% (elevated). The 2025 annual accounts show equity of €56k and a net result of €30k. Equity is growing by ~78.4% per year across the filed fiscal years. The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. An elevated bankruptcy probability caps the score. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Track record94
Bankruptcy probability, 12 months
4.5%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days only on tighter terms
Liquidity ample (current ratio 14.03 against 5.7 in 2024; short-term debt: 7% and cash: 27% of total assets), and 9.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
90.4%
Return on assets
47.9%
Age of the figures
15 mo
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 05-02-2026, 5 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 3 filingsDeviation from the deadline
2025
5 d late
2024
120 d early
2023
1 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€56k▲ 113%
2024 · €26k
2023: €15k
2024: €26k
2023 → 2025
Total assets
€62k▲ 97.0%
2024 · €32k
2023: €34k
2024: €32k
2023 → 2025
Net result
€30k▲ 157%
2024 · €12k
2023: €11k
2024: €12k
2023 → 2025
Working capital
€57k▲ 133%
2024 · €24k
2023: €12k
2024: €24k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€15k-€26k▲ 78.4%€56k▲ 113%
Operating result€16k-€18k▲ 14.6%€40k▲ 116%
Net result€11k-€12k▲ 7.5%€30k▲ 157%
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 116% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €62k
Fixed assets
€1k ▼ 47.8%
Current assets
€61k ▲ 107%
Equity and liabilities €62k
Equity
€56k ▲ 113%
Debt
€6k ▲ 15.7%
Debt's share of the balance-sheet total falls from 16.4% to 9.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€41k▲
2024 · €19k
Cash flow
€31k▲
2024 · €13k
Current ratio
14.03▲
2024 · 5.70
Debt to equity
0.11▼
2024 · 0.20
ROE
53.0%▲
2024 · 43.9%
ROA
47.9%▲
2024 · 36.7%
Interest coverage
13.14▲
2024 · 8.83
Debt ≤ 1 year
€4k▼
2024 · €5k
Income taxes
€8k▲
2024 · €5k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 39 lines
Balance sheet
Code20242025
Assets
Total assets20/58€32k€62k▲
Fixed assets21/28€2k€1k▼
Tangible fixed assets22/27€1k€289▼
Plant, machinery and equipment23-€289
Furniture and vehicles24€1k-
Financial fixed assets28€790€790=
Current assets29/58€29k€61k▲
Amounts receivable within one year40/41€3k€42k▲
Trade receivables40€3k€770▼
Other amounts receivable41-€41k
Cash at bank and in hand54/58€27k€17k▼
Deferred charges and accrued income490/1-€2k
Equity and liabilities
Total equity and liabilities10/49€32k€62k▲
Equity10/15€26k€56k▲
Contributions10/11€4k€4k=
Profit (loss) carried forward14€22k€52k▲
Amounts payable17/49€5k€6k▲
Amounts payable within one year42/48€5k€4k▼
Trade debts44€3k€756▼
Suppliers440/4€3k€756▼
Taxes, remuneration and social security45€871€4k▲
Taxes450/3€871€4k▲
Other amounts payable47/48€934-
Accrued charges and deferred income492/3-€2k
Income statement
Code20242025
Remuneration, social security and pensions62€191-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€986€986=
Other operating charges640/8€635€591▼
Gross operating margin9900€20k€41k▲
Operating profit (loss)9901€18k€40k▲
Financial income75/76B€1€1k▲
Recurring financial income75€1€1k▲
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€16k€38k▲
Income taxes67/77€5k€8k▲
Profit (loss) for the period9904€12k€30k▲
Profit (loss) for the period to be appropriated9905€12k€30k▲
Appropriation of the result
Profit (loss) to be appropriated9906€22k€52k▲
Profit (loss) brought forward from the previous period14P€11k€22k▲
The notes to these accounts (6 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
05-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 5 days late
2025
30-06
Financial
Highest result since 2023net €30k ▲157%
Operating result €40k, net result €30k, both a record.
30-06
Financial
Liquidity doublescurrent ratio 14.03
Current ratio from 5.70 to 14.03; short-term debt falls from €5k to €4k.
2024
03-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
30-06
Financial
Liquidity quadruplescurrent ratio 5.70
Current ratio from 1.62 to 5.70; short-term debt falls from €19k to €5k.
01-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 1 day late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Sint-Lambrechts-Woluwe · 1 establishment unit since 2022
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.
Fernand Mélardstraat 221200 Sint-Lambrechts-WoluweGround area
2,182 m²
Building footprint
1,900 m²
Volume, LiDAR
12,492 m³
2 parcels, Brussels · tallest building 15.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Ter Kamerenstraat 180, 1200 Sint-Lambrechts-Woluwe
since 20222.337.405.634
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21674C0313/00L005 | Brussels | 1,951 m² | 1 · 1,821 m² | 15.6 m · 1 fl. |
| 21674C0287/00K000 | Brussels | 231 m² | 1 · 79 m² | 12.2 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-10-2022
Fiscal year end30-06
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.