CHANGE AGENT
ActiveCHANGE AGENT has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €6k and a net result of €3k. Its solvency ranks better than 86% of 20785 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2024
82
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes
Profitability100
Solvency100
Growth-
Track record67
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Six 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 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established 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 2024Solvency, return and age of the figures
Solvency
89%
Return on assets
44.2%
Age of the figures
21 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 28-07-2025, 3 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2024
3 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€6k
Total assets
€7k
Net result
€3k
Working capital
€6k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Equity and liabilities €7k
Equity
€6k
Debt
€741
Debt finances 11.0% of the balance-sheet total.
Key figures and ratios
Solvency
89.0%
Current ratio
9.05
Quick ratio
9.05
Debt / equity
0.12
ROE
49.7%
ROA
44.2%
Debt
€741
Debt ≤ 1 year
€741
Income taxes
€741
Filed annual accounts
As filed with the NBB · 2024
Balance sheet
Code2024
Assets
Total assets20/58€7k
Current assets29/58€7k
Amounts receivable within one year40/41€6k
Trade receivables40€6k
Other amounts receivable41€421
Cash at bank and in hand54/58€250
Equity and liabilities
Total equity and liabilities10/49€7k
Equity10/15€6k
Contributions10/11€3k
Profit (loss) carried forward14€3k
Amounts payable17/49€741
Amounts payable within one year42/48€741
Taxes, remuneration and social security45€741
Taxes450/3€741
Income statement
Code2024
Other operating charges640/8€322
Gross operating margin9900€4k
Operating profit (loss)9901€4k
Profit (loss) for the period before taxes9903€4k
Income taxes67/77€741
Profit (loss) for the period9904€3k
Profit (loss) for the period to be appropriated9905€3k
Appropriation of the result
Profit (loss) to be appropriated9906€3k
The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
NBB filing
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, Brussel · 1 establishment unit since 2024
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.
Terkamerenlaan 641000 BrusselGround area
154 m²
Building footprint
88 m²
Volume, LiDAR
1,351 m³
Parcel 21822R0228/00G004, Brussels · tallest building 19.6 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
CHANGE AGENT
since 20242.367.143.161
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21822R0228/00G004 | Brussels | 154 m² | 1 · 88 m² | 19.6 m · 6 fl. |
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.
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Of 30,000 companies in sector 62200 we hold annual accounts for 18,394. 6,884 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-11-2024
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
62010Computer programming, consultancy and related activities
62100Computer programming
74103Other professional, scientific and technical activities
74120Graphic design and visual communication
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.