Equity
€20,903 ▲ 82.9%
VERKEST MANDY has made a profit without a break since 2023.
VERKEST MANDY
Lifetime
4 annual accounts with figures on one time axispeak €15,352 (2023)
€13,780▲ 60.7%
lowest -€7,121 (2022)
€9,472▲ 113%
peak €20,903 (2025)
€20,903▲ 82.9%
€8,218▼ 26.6%
Board1 name since 2021
1 directorVERKEST Mandy Marianne Christiane
Documentsfilings and deeds
23-06-202638 days before the deadline
2025micro format
Gross margin from €8,573 to €13,780Result from €4,439 to €9,472Equity from €11,431 to €20,903Debts from €11,192 to €8,218Cash from €9,238 to €6,274
Key points
from the 2025 annual accountsTurnover
≈ €81,000 estimated
The micro format states no turnover.
Liquidity
3.47 was 1.90 in 2024
Short-term debts fell from €11,192 to €8,218.
Filings
4 annual accounts 2 late
The 2023 accounts came latest: 341 days after the end of the period.
Starting capital
€2,000
Position in the sector
€9,472
Lower net result than 83% of companies in human health. Sector median €60,073 · 20,761 companies.
Checked score
96
Excellent
Financially stronger than 68% of micro companies in human health (NACE 86)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: < 0.1% across 24,192 companies (NACE 86, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 5.8%
01-2025: 7.0%▲ +1.2 percentage points vs 12-2024
02-2025: 7.0%● unchanged vs 01-2025
03-2025: 7.2%▲ +0.2 percentage points vs 02-2025highest value
04-2025: 6.7%▼ -0.5 percentage points vs 03-2025
05-2025: 6.7%● unchanged vs 04-2025
06-2025: 6.6%▼ -0.1 percentage points vs 05-2025
07-2025: 6.5%▼ -0.1 percentage points vs 06-2025
08-2025: < 0.1%▼ -6.5 percentage points vs 07-2025
09-2025: < 0.1%● unchanged vs 08-2025
10-2025: < 0.1%● unchanged vs 09-2025
11-2025: < 0.1%● unchanged vs 10-2025
12-2025: < 0.1%● unchanged vs 11-2025
01-2026: < 0.1%● unchanged vs 12-2025
02-2026: < 0.1%● unchanged vs 01-2026lowest value
03-2026: < 0.1%● unchanged vs 02-2026
04-2026: < 0.1%● unchanged vs 03-2026
05-2026: < 0.1%● unchanged vs 04-2026
06-2026: < 0.1%● unchanged vs 05-2026
07-2026: < 0.1%● unchanged vs 06-2026
08-2026: 0.2%▲ +0.2 percentage points vs 07-2026
09-2026: 0.3%▲ +0.1 percentage points vs 08-2026
10-2026: 0.1%▼ -0.2 percentage points vs 09-2026
11-2026: 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
1 change of registered office in 24 months
lowers risk
Sector: Human health activities (NACE 86)
Liquidity: current ratio 3.47, cash €6,274
Figures for financial year 2025 (filed on 23-06-2026)
Calculation
The band follows from the bankruptcy probability. 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 (NACE 86, micro). It does better than 60% of them on solvency, 45% on liquidity, 80% on profitability and 87% on growth.
The bankruptcy probability was computed on 10-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 26,972 companies had the same profile as VERKEST MANDY has now. Each dot stands for 68 companies, two years later.
94.9%
were still trading
3.4%
stopped another way
1.6%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of VERKEST MANDY itself is lower: 0.1% within 12 months. It rests on far more data about VERKEST MANDY than the profile alone.
Test of the method
The method was tested on the 497,448 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 26,972 companies, not a prediction for VERKEST MANDY. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €2,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 3.47 (1.9 in 2024), above the usual 1.5. Short-term debt is 28.2% and cash 21.5% of total assets. 28.2% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 23-06-2026, 38 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
38 days early
2024
24 days early
2023
341 days late
2022
213 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 4 accounts on average 123 days after the deadline. In the sector (NACE 86), the median for financial year 2024 was 7 days before the deadline, and 36% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 3 November (3 of the last 4 accounts filed within 133 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
11-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered office moved from Knokke-Heist to Assebroek
New registered office: Davelrostraat 48, 8310 Assebroek · Previous registered office: Kragendijk 178, 8300 Knokke-Heist · General meeting of 22-06-2026 · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0776412150
Incorporation
Founding capital of €2,000 · Founder: VERKEST Mandy Marianne Christiane · Appointment: VERKEST Mandy Marianne Christiane (director) · published on 26-10-2021 · Gazette deed
First establishment
Daverlostraat 48, Bruges
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| VERKEST MANDY Bruges | €29,121 | €13,780 | 71.8% | - |
| Maarten Smet Psycholoog Sint-Niklaas | €32,990 | €16,739 | 41.7% | - |
| TTC Sica Maasmechelen | €32,033 | €13,155 | 51.4% | - |
| TRIVIUM-Psychologenpraktijk Aarschot | €32,805 | €9,700 | 4.1% | - |
| SEMPER PATRIMOINE Uccle | €21,147 | €15,230 | -87.6% | - |
| Ludwien Sneyers Geel | €34,347 | €11,596 | 33.9% | - |
| BABETTE VAN CLEEMPUT Antwerp | €40,557 | €17,289 | 32.6% | - |
These companies have the same main activity as VERKEST MANDY: psychology services (NACE 86931). They are comparable in size and age: total assets between €21,100 and €40,600, founded between 2020 and 2022.
Official details
Source: KBO- Status
- Active since 22-10-2021Normal situation
- Activity
- Psychology servicesNACE 86931and 4 others
- Establishment unit
- 2.323.715.1728310 Bruges, since 22-10-2021
- Financial year end
- 31 December
- Peppol
- Reachable since 25-12-2025
Annual accounts 2025
- €29,121▲ 28.7%
- Filing
- Filed on 23-06-2026, 38 days before the end of the filing period
Insights on VERKEST MANDY
VERKEST MANDY files the micro format. That format states no turnover. The gross margin rose from -€6,494 in 2022 to €13,780 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about VERKEST MANDY
- What is the company number of VERKEST MANDY?
- The company number of VERKEST MANDY is 0776.412.150. The VAT number is the same number with BE in front: BE 0776.412.150.
- Where is VERKEST MANDY based?
- The registered office is at Daverlostraat 48, 8310 Bruges.Company details
- What does VERKEST MANDY do?
- According to the KBO register, the main activity is psychology services (NACE 86931).
- What is the legal form of VERKEST MANDY?
- VERKEST MANDY is a private limited company (BV).
- When was VERKEST MANDY founded?
- VERKEST MANDY was founded on 22-10-2021.
- Is VERKEST MANDY still active?
- Yes, VERKEST MANDY is an active enterprise in the KBO register.
- What is the turnover of VERKEST MANDY?
- The turnover in financial year 2025 is ≈ €81,000. This figure is estimated from the gross margin of €13,780 and 40 comparable companies (NACE 869). It probably lies between €55,000 and €150,000. It is a rough estimate.Financials
- Is VERKEST MANDY profitable?
- In financial year 2025, VERKEST MANDY made a profit of €9,472.
- Where can I find the annual accounts of VERKEST MANDY?
- VERKEST MANDY filed 4 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of VERKEST MANDY due?
- VERKEST MANDY must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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