RECHERCHE-PSY
ActiveRECHERCHE-PSY has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €110k and a net result of €28k. Equity is growing by ~14.4% per year across the filed fiscal years. Its solvency ranks better than 85% of 16414 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
100
/ 100
Excellent▲ +17 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+69
Solvency100=
Growth78▲+26
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 10.02 against 4.03 in 2024), and 8.6% 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 →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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
91.4%
Return on assets
22.9%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 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 · 10 filingsDeviation from the deadline
2025
26 d late
2024
26 d late
2023
82 d late
2022
55 d late
2021
60 d late
2020
60 d late
2019
71 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€110k▲ 33.4%
2024 · €82k
2018: €29k
2019: €37k
2020: €58k
2021: €71k
2022: €80k
2023: €91k
2024: €82k
2018 → 2025
Total assets
€120k▲ 16.3%
2024 · €103k
2018: €34k
2019: €41k
2020: €68k
2021: €82k
2022: €91k
2023: €96k
2024: €103k
2018 → 2025
Net result
€28k▲ 438%
2024 · €5k
2018: €8k
2019: €9k
2020: €21k
2021: €13k
2022: €9k
2023: €11k
2024: €5k
2018 → 2025
Working capital
€93k▲ 46.4%
2024 · €64k
2018: €19k
2019: €22k
2020: €36k
2021: €46k
2022: €60k
2023: €72k
2024: €64k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€71k-€80k▲ 12.8%€91k▲ 13.4%€82k▼ 9.6%€110k▲ 33.4%
Operating result€19k-€14k▼ 27.3%€17k▲ 18.1%€9k▼ 47.5%€39k▲ 355%
Net result€13k-€9k▼ 30.9%€11k▲ 17.8%€5k▼ 52.4%€28k▲ 438%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 355% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €120k
Fixed assets
€17k▼ 10.7%
Current assets
€104k▲ 22.3%
Equity and liabilities €120k
Equity
€110k▲ 33.4%
Debt
€10k▼ 50.8%
The debt ratio falls from 20.3% to 8.6%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€45k▲
2024 · €14k
Cash flow
€33k▲
2024 · €10k
Solvency
91.4%▲
2024 · 79.7%
Current ratio
10.02▲
2024 · 4.03
Quick ratio
10.02▲
2024 · 4.03
Debt / equity
0.09▼
2024 · 0.25
ROE
25.0%▲
2024 · 6.2%
ROA
22.9%▲
2024 · 4.9%
Interest coverage
41.05▲
2024 · 11.13
Debt
€10k▼
2024 · €21k
Debt ≤ 1 year
€10k▼
2024 · €21k
Income taxes
€11k▲
2024 · €2k
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€103k€120k▲
Fixed assets21/28€19k€17k▼
Tangible fixed assets22/27€19k€17k▼
Land and buildings22€12k€11k▼
Furniture and vehicles24€7k€6k▼
Current assets29/58€85k€104k▲
Amounts receivable within one year40/41€17k€6k▼
Trade receivables40-€4k
Other amounts receivable41€17k€2k▼
Cash at bank and in hand54/58€66k€95k▲
Deferred charges and accrued income490/1€3k€2k▼
Equity and liabilities
Total equity and liabilities10/49€103k€120k▲
Equity10/15€82k€110k▲
Contributions10/11€14k€14k=
Reserves13€68k€96k▲
Distributable reserves133€68k€96k▲
Amounts payable17/49€21k€10k▼
Amounts payable within one year42/48€21k€10k▼
Trade debts44€4k€708▼
Suppliers440/4€4k€708▼
Taxes, remuneration and social security45€4k€7k▲
Taxes450/3€2k€7k▲
Remuneration and social security454/9€2k€122▼
Other amounts payable47/48€13k€3k▼
Income statement
Code20242025
Non-recurring operating income76A€3k€1k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€6k▲
Other operating charges640/8€310€103▼
Gross operating margin9900€14k€46k▲
Operating profit (loss)9901€9k€39k▲
Financial charges65/66B€1k€1k▼
Recurring financial charges65€1k€1k▼
Non-recurring financial charges66B€4€20▲
Profit (loss) for the period before taxes9903€7k€38k▲
Income taxes67/77€2k€11k▲
Profit (loss) for the period9904€5k€28k▲
Profit (loss) for the period to be appropriated9905€5k€28k▲
Appropriation of the result
Profit (loss) to be appropriated9906€5k€28k▲
Transfer from equity791/2€14k-
Transfer to equity691/2€5k€28k▲
To other reserves6921€5k€28k▲
Profit to be distributed694/7€14k-
Return on contributions (dividend)694€14k-
The notes to these accounts (7 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
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 26 days late
2025
31-12
Financial
Highest result since 2018net €28k ▲438%
Operating result €39k, net result €28k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 10.02
Current ratio from 4.03 to 10.02; short-term debt falls from €21k to €10k.
31-12
Financial
Equity above €100kEq €110k ▲33.4%
8 profitable years in a row build equity to €110k.
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
31-12
Financial
Weakest financial yearnet €5k ▼52.4%
Net result drops to €5k, the lowest in the series; recovery starts the following year.
21-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 82 days late
2023
31-12
Financial
Liquidity doublescurrent ratio 14.55
Current ratio from 6.38 to 14.55; short-term debt falls from €11k to €5k.
24-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 55 days late
2022
29-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 60 days late
2021
29-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 60 days late
2020
10-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 71 days late
2019
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 28 days late
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 28 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, Brussel
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.
Spastraat 501000 BrusselGround area
2,517 m²
Building footprint
94 m²
Volume, LiDAR
1,391 m³
Parcel 21805E0015/00Z000, Brussels · tallest building 20.0 m, ±5 floors. Linked by address, not a title deed.
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21805E0015/00Z000 | Brussels | 2,517 m² | 1 · 94 m² | 20.0 m · 5 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
The Spiral Creations
BE 0676.690.806
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Groepspraktijk Eclips Gent
BE 0800.761.328
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TRAUMA INNOVATIONS NETWORK
BE 1004.092.431
Kinrooi · Eq €112k
MattR-3
BE 0776.412.645
Balen · Eq €107k
BRISKA
BE 0820.767.676
Tongeren-Borgloon · Eq €112k
Of 5,517 companies in sector 86931 we hold annual accounts for 549. 416 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-02-2008
Fiscal year end31-12
Activities, NACEBEL
86904Human health activities
86931Psychology services
72109Other research and development on natural sciences
72200Scientific research and development
82300Organisation of conventions and trade shows
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.