PsyVA
ActiveSummary
The computed 12-month bankruptcy probability of PsyVA is 3.4% (moderate). The 2025 annual accounts show negative equity (-€6,085) and a net result of €20,587. Equity is growing by ~56.3% per year across the filed fiscal years. The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
This company filed its last 3 accounts on average 8 days before the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.
Checked, nothing found (2)
History
Go further with this company
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Click a name to add, emphasise or remove a line.
Peer companies
Historical observationOf the 1,021 companies that looked in July 2024 the way this one looks now, 5.8% went bankrupt within 24 months and 89% are still going.
- Micro
- 2 to 5 years old
- negative equity
- a profit of 5% of the balance sheet or more
A further 1.6% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 3.4% 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 497,662 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% | 1.7% |
| 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 75% 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 1,021 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.
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €5,354 | €9,162 | €9,879 | ▲ 7.8% |
| Other operating charges640/8 | €604 | €909 | €888 | ▼ 2.3% |
| Non-recurring operating charges66A | €24,261 | €0 | - | - |
| Gross operating margin9900 | -€9,782 | €28,995 | €40,314 | ▲ 39.0% |
| Operating profit (loss)9901 | -€40,002 | €18,924 | €29,547 | ▲ 56.1% |
| Financial charges65/66B | €6,129 | €9,465 | €8,960 | ▼ 5.3% |
| Recurring financial charges65 | €6,129 | €9,465 | €8,960 | ▼ 5.3% |
| Profit (loss) for the period before taxes9903 | -€46,131 | €9,459 | €20,587 | ▲ 118% |
| Profit (loss) for the period9904 | -€46,131 | €9,459 | €20,587 | ▲ 118% |
| Profit (loss) for the period to be appropriated9905 | -€46,131 | €9,459 | €20,587 | ▲ 118% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €212,095 | €213,526 | €220,339 | ▲ 3.2% |
| Fixed assets21/28 | €203,199 | €198,456 | €190,029 | ▼ 4.2% |
| Tangible fixed assets22/27 | €203,199 | €198,456 | €189,864 | ▼ 4.3% |
| Land and buildings22 | €195,134 | €187,134 | €179,134 | ▼ 4.3% |
| Plant, machinery and equipment23 | €2,880 | €2,575 | €2,270 | ▼ 11.8% |
| Furniture and vehicles24 | €5,184 | €8,747 | €8,460 | ▼ 3.3% |
| Financial fixed assets28 | - | - | €165 | - |
| Current assets29/58 | €8,896 | €15,070 | €30,310 | ▲ 101% |
| Cash at bank and in hand54/58 | €8,040 | €11,413 | €27,470 | ▲ 141% |
| Deferred charges and accrued income490/1 | €856 | €3,657 | €2,840 | ▼ 22.3% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €212,095 | €213,526 | €220,339 | ▲ 3.2% |
| Equity10/15 | -€36,131 | -€26,672 | -€6,085 | ▲ 77.2% |
| Contributions10/11 | €10,000 | €10,000 | €10,000 | = |
| Profit (loss) carried forward14 | -€46,131 | -€36,672 | -€16,085 | ▲ 56.1% |
| Amounts payable17/49 | €248,226 | €240,199 | €226,424 | ▼ 5.7% |
| Amounts payable after more than one year17 | €235,219 | €225,299 | €214,988 | ▼ 4.6% |
| Financial debts170/4 | €235,219 | €225,299 | €214,988 | ▼ 4.6% |
| Amounts payable within one year42/48 | €12,592 | €14,485 | €11,436 | ▼ 21.0% |
| Current portion of amounts payable after more than one year42 | €9,520 | €9,921 | €10,311 | ▲ 3.9% |
| Trade debts44 | €399 | €407 | €467 | ▲ 14.8% |
| Suppliers440/4 | €399 | €407 | €467 | ▲ 14.8% |
| Other amounts payable47/48 | €2,672 | €4,158 | €659 | ▼ 84.2% |
| Accrued charges and deferred income492/3 | €415 | €415 | €0 | ▼ 100% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | -€46,131 | €9,459 | €20,587 | ▲ 118% |
| + Depreciation and write-downs630 | €5,354 | €9,162 | €9,879 | ▲ 7.8% |
| Operating cash flow (approximation) | -€40,777 | €18,621 | €30,466 | ▲ 63.6% |
| Investment in fixed assets (approximation) | - | -€4,420 | -€1,452 | ▲ 67.1% |
| Change in cash | - | €3,373 | €16,056 | ▲ 376% |
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
22-07
State Gazette act
Registered officeRegistered-office move · Power of attorney3 facts ▸
- Board meeting, 18-06-2026
- Registered-office move, Antwerpsesteenweg 35, 2550 Kontich
- Power of attorney, BV Segers Tax & Accountancy
About the unread acts
Of the 2 Belgian State Gazette acts we know for this company, 1 has been read. The other one has not been read yet: what they contain is neither established nor disproved here.
Directors · office · real estate
1 establishment unit
1 parcel
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11024B0191/00L000 | Flanders | 70 m² | 1 · 94 m² | 8.8 m · 2 fl. |
Linked by address, not proof of ownership
Public money · subsidies and aid
Flemish government
2024 to 2025 · 2 entries · 1,560 EUR awarded · 1,560 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 780 EUR | 780 EUR |
| 2024 | 1 | 780 EUR | 780 EUR |
Identification & contact
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.