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SYST & PSY

Active
Private limited companyfounded 20232 years activeRue de l'Ornoy 41, 1435 Mont-Saint-Guibert, BelgiumKBO/BCE: BE 1003.901.597
Summary

The computed 12-month bankruptcy probability of SYST & PSY is 3.9% (moderate). The 2025 annual accounts show equity of €16,323 and a net result of -€5,141. The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Overview

Activity
Activity not known1 site
Size
€24,969total assets 2025
Equity
€16,323
Loss
-€5,141
Turnover not published (abridged schema)
Financial health
47 Fair Checked score 2025
Bankruptcy probability, 12 months
3.9%
Structure
Accounts filed 49 days late0 of 1 deed read
Why 47- No main activity registered- Latest accounts 49 days late; 2 of the last 3 late- Founded in 2023+ Size: total assets €24,969Show the evidence

Checked score

Score 2025
47 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially better than 24% of its sector peers (no NACE code, micro)
Financial strength · tick = 2024
Weak
Solvency 90+5
equity 65.4% of total assets
Liquidity 37-25
short-term debt 34.6% · cash 2.0%
Profitability 0-100
return on assets -20.6%
Bankruptcy probability, 12 months
3.9% Moderate
0%0.5%1.5%4%10%≥ 25%

About 4 in 100 comparable companies go bankrupt within 12 months (an estimate).

Last 24 months 01-2025: 2.4% 02-2025: 2.4%● unchanged vs 01-2025 03-2025: 2.4%● unchanged vs 02-2025 04-2025: 2.9%▲ +0.5 percentage points vs 03-2025 05-2025: 3.0%▲ +0.1 percentage points vs 04-2025 06-2025: 3.3%▲ +0.3 percentage points vs 05-2025 07-2025: 3.3%● unchanged vs 06-2025 08-2025: 3.6%▲ +0.3 percentage points vs 07-2025 09-2025: 3.5%▼ -0.1 percentage points vs 08-2025 10-2025: 3.4%▼ -0.1 percentage points vs 09-2025 11-2025: 1.8%▼ -1.6 percentage points vs 10-2025 12-2025: 1.8%● unchanged vs 11-2025lowest value 01-2026: 2.2%▲ +0.4 percentage points vs 12-2025 02-2026: 2.2%● unchanged vs 01-2026 03-2026: 2.2%● unchanged vs 02-2026 04-2026: 2.3%▲ +0.1 percentage points vs 03-2026 05-2026: 2.3%● unchanged vs 04-2026 06-2026: 2.3%● unchanged vs 05-2026 07-2026: 2.4%▲ +0.1 percentage points vs 06-2026 08-2026: 3.3%▲ +0.9 percentage points vs 07-2026 09-2026: 3.8%▲ +0.5 percentage points vs 08-2026 10-2026: 3.9%▲ +0.1 percentage points vs 09-2026highest value
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 2.89 against 2.51 in 2024; short-term debt: 34.6% and cash: 2% of total assets), and 34.6% of the assets are financed with debt.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (no NACE code, micro): better than 55% on solvency, 21% on liquidity, 4% on profitability and 16% on growth.

The bankruptcy probability was computed on 06-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Five signals.
−lowers risk+raises risk○neutral
raises risk · No main activity registered
KBO
raises risk · Latest accounts 49 days late; 2 of the last 3 late
NBB · filings
raises risk · Founded in 2023
How long the company has existed counts in the probability; how much depends on the rest of its profile.
KBO
lowers risk · Size: total assets €24,969
The company's size counts in the probability; how much depends on the rest of its profile.
NBB · annual accounts
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 18-09-2026, 49 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 · 2 filings
Deviation from the deadline
2025
49 days late
2024
61 days late
← before the deadline after the deadline →
tick = median of all Belgian filings

This company filed its last 2 accounts on average 55 days after 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)
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 months
Position in the running window
07-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Checked from 2021 on.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · abbreviated…
  2. Annual accounts filedfiscal year 2024 · micro…

Key points

  • Total assets 20252 fiscal years filed €24,969 View
  • Active since 2023founded 26-12-2023 2 years View

By topic

Financials

Fiscal year
2025
Total assets
€24,969
Loss
-€5,141
Solvency
65.4%
Total assets▼ 30.0%
Net result
20242025
Go to Financials

Company details

Sites
1
Legal form
Private limited company
Founded
26-12-2023
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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