BE CHANGE
ActiveSummary
BE CHANGE has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €53,767 and a net result of -€6,041. Equity is growing by ~40% per year across the filed fiscal years. Its solvency ranks better than 95% of 7814 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability10▼-33
Solvency100=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4,000 at 30 days acceptable
Liquidity ample (current ratio 38.71 against 24.65 in 2024; short-term debt: 2.6% and cash: 52.4% of total assets), and 2.6% of the assets are financed with debt.
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Signals
Four 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 82
Relative position
BE, all sectors
reference
Office administrative, office support and other business support activities (NACE 82)
about 37% fewer bankruptcies
← 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
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 2025Solvency, return and age of the figures
Solvency
97.4%
Return on assets
-10.9%
Age of the figures
9 mo
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 13-02-2026, 168 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
168 d early
2024
90 d early
2023
85 d early
2022
111 d early
2021
80 d early
2020
23 d early
2019
59 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 88 days before the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 35% of the sector filed 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 monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€53,767▼ 10.1%
2024 · €59,807
Total assets
€55,192▼ 11.5%
2024 · €62,336
Net result
-€6,041
2024 · €1,453
Working capital
€53,767▼ 10.1%
2024 · €59,807
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 82, Office administrative, office support and other business support activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€16,877▲ 203%€31,082▲ 84.2%€28,690▼ 7.7%€2,343▼ 91.8%-€6,814
Net result€13,736within the sector's middle half▲ 156%€21,678within the sector's middle half▲ 57.8%€20,256within the sector's middle half▼ 6.6%€1,453within the sector's middle half▼ 92.8%-€6,041below the sector's middle half
Equity€16,420within the sector's middle half▲ 512%€38,098within the sector's middle half▲ 132%€58,354within the sector's middle half▲ 53.2%€59,807within the sector's middle half▲ 2.5%€53,767within the sector's middle half▼ 10.1%
Total assets€24,601below the sector's middle half▲ 363%€46,634below the sector's middle half▲ 89.6%€67,098within the sector's middle half▲ 43.9%€62,336within the sector's middle half▼ 7.1%€55,192below the sector's middle half▼ 11.5%
Debt€8,181▲ 211%€8,536▲ 4.3%€8,744▲ 2.4%€2,529▼ 71.1%€1,426▼ 43.6%
Working capital€16,420▲ 512%€38,098▲ 132%€58,354▲ 53.2%€59,807▲ 2.5%€53,767▼ 10.1%
Solvency66.7%within the sector's middle half▲ 16.3pp81.7%above the sector's middle half▲ 14.9pp87.0%above the sector's middle half▲ 5.3pp95.9%above the sector's middle half▲ 9.0pp97.4%above the sector's middle half▲ 1.5pp
above
within
below
the middle half (P25 to P75) of NACE 82, Office administrative, office support and other business support activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €6,814 after €2,343 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €55,192
Equity
€53,767 ▼ 10.1%
Debt
€1,426 ▼ 43.6%
Debt's share of the balance-sheet total falls from 4.1% to 2.6%. Equity and debt are lower.
Key figures and ratios
Current ratio
38.71▲
2024 · 24.65
Debt to equity
0.03▼
2024 · 0.04
ROE
-11.2%▼
2024 · 2.4%
ROA
-10.9%▼
2024 · 2.3%
Debt ≤ 1 year
€1,426▼
2024 · €2,529
Income taxes
€200▼
2024 · €1,742
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 4,815 companies that looked in July 2024 the way this one looks now, 1.9% went bankrupt within 24 months and 88% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a loss of 10% of the balance sheet or more
1.9%
went bankrupt
9.8%
stopped otherwise
88%
still going
A further 0.5% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 0.3% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 4,815 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Other operating charges640/8 | €601 | €1,351 | €1,379 | €1,411 | €696 | ▼ 50.7% |
| Gross operating margin9900 | €17,478 | €32,433 | €30,069 | €3,754 | -€6,119 | ▼ 263% |
| Operating profit (loss)9901 | €16,877 | €31,082 | €28,690 | €2,343 | -€6,814 | ▼ 391% |
| Financial income75/76B | €3 | €94 | €353 | €931 | €1,052 | ▲ 13.0% |
| Recurring financial income75 | €3 | €94 | €353 | €931 | €1,052 | ▲ 13.0% |
| Financial charges65/66B | €183 | €165 | €80 | €79 | €77 | ▼ 2.0% |
| Recurring financial charges65 | €183 | €165 | €80 | €79 | €77 | ▼ 2.0% |
| Profit (loss) for the period before taxes9903 | €16,697 | €31,011 | €28,964 | €3,195 | -€5,840 | ▼ 283% |
| Income taxes67/77 | €2,961 | €9,333 | €8,708 | €1,742 | €200 | ▼ 88.5% |
| Profit (loss) for the period9904 | €13,736 | €21,678 | €20,256 | €1,453 | -€6,041 | ▼ 516% |
| Profit (loss) for the period to be appropriated9905 | €13,736 | €21,678 | €20,256 | €1,453 | -€6,041 | ▼ 516% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €24,601 | €46,634 | €67,098 | €62,336 | €55,192 | ▼ 11.5% |
| Current assets29/58 | €24,601 | €46,634 | €67,098 | €62,336 | €55,192 | ▼ 11.5% |
| Amounts receivable within one year40/41 | €19,462 | €21,646 | €11,004 | €4,698 | €14,692 | ▲ 213% |
| Trade receivables40 | €17,606 | €19,472 | €11,000 | €4,637 | €4,029 | ▼ 13.1% |
| Other amounts receivable41 | €1,856 | €2,174 | €4 | €61 | €10,663 | ▲ 17,294% |
| Current investments50/53 | - | - | €20,171 | €50,000 | €10,000 | ▼ 80.0% |
| Cash at bank and in hand54/58 | €2,435 | €22,694 | €26,471 | €5,675 | €28,901 | ▲ 409% |
| Deferred charges and accrued income490/1 | €2,704 | €2,294 | €9,452 | €1,963 | €1,600 | ▼ 18.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €24,601 | €46,634 | €67,098 | €62,336 | €55,192 | ▼ 11.5% |
| Equity10/15 | €16,420 | €38,098 | €58,354 | €59,807 | €53,767 | ▼ 10.1% |
| Contributions10/11 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Reserves13 | €10,220 | €31,898 | €52,154 | €53,607 | €50,062 | ▼ 6.6% |
| Non-distributable reserves130/1 | €1,860 | €0 | - | - | - | - |
| Reserves not available under the articles1311 | €1,860 | €0 | - | - | - | - |
| Distributable reserves133 | €8,360 | €31,898 | €52,154 | €53,607 | €50,062 | ▼ 6.6% |
| Profit (loss) carried forward14 | €0 | - | - | - | -€2,495 | - |
| Amounts payable17/49 | €8,181 | €8,536 | €8,744 | €2,529 | €1,426 | ▼ 43.6% |
| Amounts payable within one year42/48 | €8,181 | €8,536 | €8,744 | €2,529 | €1,426 | ▼ 43.6% |
| Financial debts43 | €45 | €0 | - | €15 | €59 | ▲ 296% |
| Credit institutions430/8 | - | - | - | €15 | €59 | ▲ 296% |
| Other loans439 | €45 | €0 | - | - | - | - |
| Trade debts44 | €1,914 | €1,450 | €190 | €1,082 | €82 | ▼ 92.5% |
| Suppliers440/4 | €1,914 | €1,450 | €190 | €1,082 | €82 | ▼ 92.5% |
| Taxes, remuneration and social security45 | €6,222 | €7,085 | €7,668 | €147 | €0 | ▼ 100% |
| Taxes450/3 | €6,222 | €7,085 | €7,668 | €147 | €0 | ▼ 100% |
| Other amounts payable47/48 | €0 | - | €886 | €1,285 | €1,285 | = |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €13,736 | €21,678 | €20,256 | €1,453 | -€6,041 | ▼ 516% |
| Operating cash flow (approximation) | €13,736 | €21,678 | €20,256 | €1,453 | -€6,041 | ▼ 516% |
| Change in cash | - | €20,260 | €3,777 | -€20,797 | €23,226 | ▲ 212% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
13-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet -€6,041
Net result drops to -€6,041, the lowest in the series.
02-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity triplescurrent ratio 24.65
Current ratio from 7.67 to 24.65; short-term debt falls from €8,744 to €2,529.
07-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
11-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €21,678 ▲57.8%
Operating result €31,082, net result €21,678, both a record.
12-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
08-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
02-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €3,184
Net result €3,184 after one loss-making year.
05-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 5 days late
2018
16-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
02-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 2 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
2 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, Leuven · 1 establishment unit since 2008
Ground area
4,278 m²
Building footprint
671 m²
Parcel 24504D1279/00A000, Flanders. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
Zuster Jules-Marie Heymansstraat 8, 3000 Leuven
since 20082.169.334.328
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24504D1279/00A000 | Flanders | 4,278 m² | 1 · 671 m² | - |
Linked by address, not proof of ownership
Good to know
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 2024 · 2 entries · 697 EUR awarded · 697 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 30 EUR | 30 EUR |
| 2022 | 1 | 667 EUR | 667 EUR |
Similar companies · same sector, comparable size
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Mark Goossenaerts
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CHAUVEHEID P.
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Of 24,517 companies in sector 82990 we hold annual accounts for 9,421. 6,975 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded29-02-2008
Fiscal year end31-12
Activities, NACEBEL 2025
82990Other business support services
82300Organisation of conventions and trade shows
Contact
Website
www.bechange.be
E-mail
wim.van-der-smissen@bechange.be
E-mail
wim.van-der-smissen@skynet.beLeuven
Phone
0473/746082Leuven
E-invoicing
Reachable via Peppol
Peppol ID
0208:0896111437
Also
9925:BE0896111437
Registered
12-09-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.