PSYCHOLOGICAL AND EDUCATIONAL CONSULTING SERVICES
ActiveSummary
PSYCHOLOGICAL AND EDUCATIONAL CONSULTING SERVICES has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €216k and a net result of €87k. Equity is growing by ~51.5% per year across the filed fiscal years. Its solvency ranks better than 19% of 19908 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2024
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. A confirmed filing finding caps the score. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability88▲+15
Solvency52▲+9
Growth85=
Track record100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days only on tighter terms
Liquidity tight (current ratio 1.33 against 0.43 in 2023; short-term debt: 16.4% and cash: 21.9% of total assets), and 73% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
27%
Return on assets
10.9%
Age of the figures
23 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 19908 sector peers (2024).
NBB · sector comparisonPosition among 19908 sector peers
Solvency
better than 19%
← weakest
strongest →
raises risk · Annual accounts not filed
The financial year that closed on 31-10-2025 was due at the National Bank by 31-05-2026. Nothing is on record, 116 days later.
NBB · 8 filingsPosition against the passed deadline
31-10-2025 close31-05-2026 deadline24-09-2026 today
neutral · Latest accounts filed on time
The financial year that closed on 31-10-2024 was due by 31-05-2025 and was filed on 28-05-2025, 3 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
not filed
2024
3 d early
2023
3 d early
2022
on the day
2021
4 d early
2020
6 d early
2019
30 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Turnover
€246k▲ 26.3%
2023 · €195k
2018: €61k
2019: €68k
2020: €69k
2021: €116k
2022: €174k
2023: €195k
2018 → 2024
EBIT margin
41.2%▲ 18.4pp
2023 · 22.8%
2018: 20.3%
2019: 19.6%
2020: -4.2%
2021: 26.9%
2022: 36.9%
2023: 22.8%
2018 → 2024
Net result
€87k▲ 586%
2023 · €13k
2018: €9k
2019: €9k
2020: €-6k
2021: €42k
2022: €53k
2023: €13k
2018 → 2024
Working capital
€44k
2023 · €-81k
2018: €16k
2019: €25k
2020: €12k
2021: €21k
2022: €40k
2023: €-81k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€69k-€116k▲ 67.6%€174k▲ 50.2%€195k▲ 11.6%€246k▲ 26.3%
Equity€21k-€63k▲ 197%€116k▲ 84.4%€129k▲ 11.0%€216k▲ 67.9%
Operating result€-3k-€31k€64k▲ 106%€44k▼ 31.0%€101k▲ 128%
Net result€-6k-€42k€53k▲ 27.2%€13k▼ 76.0%€87k▲ 586%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 128% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €801k
Fixed assets
€625k ▼ 5.2%
Current assets
€175k ▲ 188%
Equity and liabilities €801k
Equity
€216k ▲ 67.9%
Debt
€585k ▼ 1.2%
Debt's share of the balance-sheet total falls from 82.1% to 73.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€151k▲
2023 · €87k
Cash flow
€137k▲
2023 · €55k
Current ratio
1.33▲
2023 · 0.43
Debt to equity
2.71▼
2023 · 4.60
ROE
40.5%▲
2023 · 9.9%
ROA
10.9%▲
2023 · 1.8%
Interest coverage
7.17▲
2023 · 4.60
Debt ≤ 1 year
€132k▼
2023 · €142k
Debt > 1 year
€453k▲
2023 · €450k
Income taxes
€5k▼
2023 · €18k
Staff costs
€12k▲
2023 · €8k
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 · 2024 against 2023 · 49 lines
Balance sheet
Code20232024
Assets
Total assets20/58€720k€801k▲
Fixed assets21/28€659k€625k▼
Tangible fixed assets22/27€656k€622k▼
Land and buildings22€542k€516k▼
Plant, machinery and equipment23€79k€83k▲
Furniture and vehicles24€34k€22k▼
Financial fixed assets28€3k€3k=
Current assets29/58€61k€175k▲
Amounts receivable within one year40/41€1k-
Other amounts receivable41€1k-
Cash at bank and in hand54/58€60k€175k▲
Equity and liabilities
Total equity and liabilities10/49€720k€801k▲
Equity10/15€129k€216k▲
Contributions10/11€1k€1k=
Capital10-€1k
Issued capital100-€1k
Reserves13€429€429=
Non-distributable reserves130/1€429€429=
Reserves not available under the articles1311€429€429=
Profit (loss) carried forward14€127k€215k▲
Amounts payable17/49€591k€585k▼
Amounts payable after more than one year17€450k€453k▲
Financial debts170/4€450k€453k▲
Amounts payable within one year42/48€142k€132k▼
Current portion of amounts payable after more than one year42€37k€18k▼
Trade debts44-€1k
Suppliers440/4-€1k
Taxes, remuneration and social security45€2k€2k▲
Remuneration and social security454/9€2k€2k▲
Other amounts payable47/48€103k€111k▲
Income statement
Code20232024
Turnover70€195k€246k▲
Goods, raw materials, services and sundry goods60/61€92k€70k▼
Remuneration, social security and pensions62€8k€12k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€42k€49k▲
Other operating charges640/8€8k€13k▲
Gross operating margin9900€103k€176k▲
Operating profit (loss)9901€44k€101k▲
Financial income75/76B€5k€12k▲
Recurring financial income75€5k€12k▲
Non-recurring financial income76B-€734
Financial charges65/66B€19k€21k▲
Recurring financial charges65€19k€21k▲
Profit (loss) for the period before taxes9903€30k€93k▲
Income taxes67/77€18k€5k▼
Profit (loss) for the period9904€13k€87k▲
Profit (loss) for the period to be appropriated9905€13k€87k▲
Appropriation of the result
Profit (loss) to be appropriated9906€127k€215k▲
Profit (loss) brought forward from the previous period14P€114k€127k▲
Social balance
Average headcount (FTE)90870.2-
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
2025
28-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-10
Financial
Highest result since 2018net €87k ▲586%
Operating result €101k, net result €87k, both a record.
31-10
Financial
Liquidity triplescurrent ratio 1.33
Current ratio from 0.43 to 1.33; short-term debt falls from €142k to €132k.
31-10
Financial
Equity above €200kEq €216k ▲67.9%
4 profitable years in a row build equity to €216k.
28-05
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-05
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-10
Financial
Equity above €100kEq €116k ▲84.4%
2 profitable years in a row build equity to €116k.
27-05
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-10
Financial
Back to profitnet €42k
Net result €42k after one loss-making year.
25-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-10
Financial
Weakest financial yearnet €-6k ▼165%
Net result drops to €-6k, the lowest in the series; recovery starts the following year.
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 30 days late
18-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 384 days late
2018
29-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Waterloo · 1 establishment unit since 2016
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.
Avenue Marengo 131410 WaterlooGround area
622 m²
Building footprint
151 m²
Volume, LiDAR
683 m³
Parcel 25763L0613/00L000, Wallonia · tallest building 7.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Psychological & Educational Consulting Services
since 20162.306.125.312
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25763L0613/00L000 | Wallonia | 622 m² | 1 · 151 m² | 7.2 m · 2 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
Kurago
BE 0692.853.281
Hasselt · Eq €219k
MOCO
BE 0766.976.327
Herzele · Eq €211k
Cabinet Médico - Psychologique de la Place
BE 0808.395.228
Rebecq · Eq €222k
Centres Médicaux Docteur Fabrice Jurysta
BE 0646.771.947
Le Roeulx · Eq €210k
MDV MEDECINE
BE 0894.755.615
Elsene · Eq €209k
Of 5,524 companies in sector 86931 we hold annual accounts for 550. 343 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formLimited partnership
Founded29-04-2016
Fiscal year end31-10
Activities, NACEBEL 2025
86931Psychology services
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.