Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Tight liquidity NBB
Cash and receivables cover 16 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
PsyOs from Namur, company number BE0746381346, closed financial year 2025 with a result of € 15,378 after tax. For that financial year PsyOs recorded a gross margin of € 39,769 and equity of € 49,178. Compared with financial year 2024, the result moved from € 14,323 to € 15,378. Profitable, and profit is growing. The buffer is growing. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on August 26, 2026.
€ 49,178
▲ 45% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 15,378
▲ 7% vs 2024
Profit after tax over the fiscal year.
€ 9,581
▲ 77% vs 2024
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € 29,178.
Debts at end 2025
€ 231,733
▼ 9% vs 2024
€ 24,453 is repaid this year. At this pace the long-term loan is gone in ≈ 9 years.
€ 1,497
▼ 52% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 5,692
▲ 102% vs 2024
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 25,567 | € 28,445 | € 37,594 | € 39,769 | ▲ 6% |
| Profit after taxes | € 6,074 | € 1,111 | € 14,323 | € 15,378 | ▲ 7% |
| Equity | € 18,365 | € 19,477 | € 33,799 | € 49,178 | ▲ 45% |
| Total debts | € 311,723 | € 320,745 | € 292,953 | € 268,362 | ▼ 8% |
| Cash | € 1,398 | € 3,651 | € 5,417 | € 9,581 | ▲ 77% |
| Land & buildings | € 320,284 | € 331,425 | € 319,301 | € 307,166 | ▼ 4% |
| Retained profit | € -1,635 | € -523 | € 13,799 | € 29,178 | ▲ 111% |
| Bank debt | € 301,316 | € 279,824 | € 255,916 | € 231,733 | ▼ 9% |
| Balance sheet total | € 330,089 | € 340,222 | € 326,753 | € 317,540 | ▼ 3% |
Key figures of PsyOs, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to PsyOs?
What happened at PsyOs in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 15,378 (▲ 7% vs 2024). filed late Source: NBB ↗
- Alexandra FION became a director. NBB
- Françoise MICHE became a director. NBB
- New establishment in Namur. KBO
- Caroline ANDRE became a director. NBB
- Bertrand STOFFEL became a director. NBB
- Start of the company according to the CBE. KBO
In short
From € 6,074 profit in 2022 to € 15,378 profit in 2025.
Paid € 8,506 in corporate taxes since 2022.
Best year ever: 2025, with € 15,378 profit.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
Behind PsyOs are Alexandra FION, Françoise MICHE, Caroline ANDRE and Bertrand STOFFEL. Françoise MICHE is also behind B et F Lingam. Bertrand STOFFEL is also behind B et F Lingam.
Directors
According to the 2025 annual accounts
Alexandra FION
Director
since 2023
since 2023
Caroline ANDRE
Director
since 2020
since 2020
Establishments
Establishment units
Physical locations of this company
Chaussée de Nivelles(TX) 372
5020 Namur
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 1 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0746.381.346
- VAT number
- BE 0746.381.346
- Registered office
- Chaussée de Nivelles(TX) 372, 5020 Namur
- Names & denominations
- PsyOs
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 17 April 2020
- Peppol
- Active · Active since 6 Mar 2026
- Contact
- [email protected]