Symphysio
ActiveSymphysio has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €40k and a net result of €8k. Equity is growing by ~37.3% per year across the filed fiscal years. Its solvency ranks better than 42% of 19904 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
86
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability83▼-17
Solvency84▲+10
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 1.75 against 1.26 in 2023; short-term debt: 39.7% and cash: 63.7% of total assets), and 41.2% 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
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
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
58.8%
Return on assets
11.6%
Age of the figures
20 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 23-06-2025, 38 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
not confirmed
2024
38 d early
2023
37 d early
2022
28 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€40k▲ 21.5%
2023 · €33k
2022: €15k
2023: €33k
2022 → 2024
Total assets
€68k▲ 1.1%
2023 · €67k
2022: €52k
2023: €67k
2022 → 2024
Net result
€8k▼ 56.8%
2023 · €18k
2022: €14k
2023: €18k
2022 → 2024
Working capital
€20k▲ 152%
2023 · €8k
2022: €2k
2023: €8k
2022 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202220232024Trend
Equity€15k-€33k▲ 113%€40k▲ 21.5%
Operating result€20k-€27k▲ 37.0%€13k▼ 52.2%
Net result€14k-€18k▲ 32.7%€8k▼ 56.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 52% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €68k
Fixed assets
€21k▼ 26.7%
Current assets
€47k▲ 21.2%
Equity and liabilities €68k
Equity
€40k▲ 21.5%
Debt
€28k▼ 18.5%
The debt ratio falls from 51.1% to 41.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€21k▼
2023 · €34k
Cash flow
€17k▼
2023 · €25k
Solvency
58.8%▲
2023 · 48.9%
Current ratio
1.75▲
2023 · 1.26
Quick ratio
1.75▲
2023 · 1.26
Debt / equity
0.70▼
2023 · 1.04
ROE
19.7%▼
2023 · 55.5%
ROA
11.6%▼
2023 · 27.1%
Interest coverage
18.02▼
2023 · 44.34
Debt
€28k▼
2023 · €34k
Debt ≤ 1 year
€27k▼
2023 · €31k
Debt > 1 year
€0▼
2023 · €3k
Income taxes
€4k▼
2023 · €8k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€67k€68k▲
Formation expenses20€0€0=
Fixed assets21/28€28k€21k▼
Tangible fixed assets22/27€28k€21k▼
Plant, machinery and equipment23€4k€3k▼
Furniture and vehicles24€16k€11k▼
Other tangible fixed assets26€8k€7k▼
Current assets29/58€39k€47k▲
Amounts receivable within one year40/41-€256
Trade receivables40-€256
Cash at bank and in hand54/58€36k€43k▲
Deferred charges and accrued income490/1€3k€4k▲
Equity and liabilities
Total equity and liabilities10/49€67k€68k▲
Equity10/15€33k€40k▲
Contributions10/11€3k€3k=
Reserves13€27k€34k▲
Distributable reserves133€27k€34k▲
Profit (loss) carried forward14€3k€3k▲
Amounts payable17/49€34k€28k▼
Amounts payable after more than one year17€3k€0▼
Financial debts170/4€3k€0▼
Amounts payable within one year42/48€31k€27k▼
Current portion of amounts payable after more than one year42€7k€3k▼
Trade debts44€2k€1k▼
Suppliers440/4€2k€1k▼
Taxes, remuneration and social security45€9k€6k▼
Taxes450/3€8k€5k▼
Remuneration and social security454/9€1k€1k▲
Other amounts payable47/48€13k€17k▲
Accrued charges and deferred income492/3€431€985▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€9k▲
Other operating charges640/8€300€455▲
Gross operating margin9900€34k€22k▼
Operating profit (loss)9901€27k€13k▼
Financial income75/76B-€422
Recurring financial income75-€422
Financial charges65/66B€766€1k▲
Recurring financial charges65€766€1k▲
Profit (loss) for the period before taxes9903€26k€12k▼
Income taxes67/77€8k€4k▼
Profit (loss) for the period9904€18k€8k▼
Profit (loss) for the period to be appropriated9905€18k€8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€21k€11k▼
Profit (loss) brought forward from the previous period14P€3k€3k▲
Transfer to equity691/2€17k€7k▼
To other reserves6921€17k€7k▼
Profit to be distributed694/7€800€800=
Return on contributions (dividend)694€800€800=
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
2025
23-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €8k ▼56.8%
Net result drops to €8k, the lowest in the series.
24-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2022net €18k ▲32.7%
Operating result €27k, net result €18k, both a record.
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · 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, Geraardsbergen · 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.
Boogstraat(Goe) 149500 GeraardsbergenGround area
552 m²
Building footprint
111 m²
Parcel 41021A0722/00L000, Flanders · tallest building 0.1 m. Linked by address, not a title deed.
1 establishment unit
Symphysio
since 20222.329.289.011
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41021A0722/00L000 | Flanders | 552 m² | 1 · 111 m² | 0.1 m |
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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 887 EUR awarded · 887 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 189 EUR | 189 EUR |
| 2024 | 1 | 201 EUR | 201 EUR |
| 2023 | 1 | 177 EUR | 177 EUR |
| 2022 | 1 | 320 EUR | 320 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 12,693 companies in sector 86951 we hold annual accounts for 2,137. 1,949 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-03-2022
Fiscal year end31-12
Activities, NACEBEL
86905Human health activities
86951Physiotherapy
86909Human health activities
86995Nutrition and dietetics services
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.