Investments
€5,085 5.5 × depreciation
Green is investment, beige is depreciation.
CHANGE AGENT
Overview
Lifetime
2 annual accounts with figures on one time axispeak €4,025 (2024)
€3,728▼ 7.4%
peak €2,962 (2024)
€586▼ 80.2%
peak €6,549 (2025)
€6,549▲ 9.8%
€1,344▲ 81.5%
Board1 name since 2024
1 directorBRADLEY Adriano Saint Clair
Documentsfilings and deeds
23-09-202654 days late
2025micro format
Result from €2,962 to €586Debts from €741 to €1,344Cash from €250 to €1,426
Key points
from the 2025 annual accountsLiquidity
2.77 was 9.05 in 2024
Short-term debts rose from €741 to €1,344.
Position in the sector
€6,549
Less equity than 85% of companies in computer programming and consultancy. Sector median €69,062 · 21,212 companies.
2025 accounts filed 54 days after the deadline
Checked score
94
Excellent
Financially stronger than 54% of micro companies in computer programming and consultancy (NACE 62)
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 25,932 companies (NACE 62, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2025: 0.1%
01-2026: 0.1%● unchanged vs 12-2025
02-2026: 0.1%● unchanged vs 01-2026
03-2026: 0.1%● unchanged vs 02-2026
04-2026: 0.1%● unchanged vs 03-2026
05-2026: 0.2%▲ +0.1 percentage points vs 04-2026
06-2026: 0.2%● unchanged vs 05-2026
07-2026: 0.2%● unchanged vs 06-2026
08-2026: 0.3%▲ +0.1 percentage points vs 07-2026
09-2026: 0.4%▲ +0.1 percentage points vs 08-2026highest value
10-2026: 0.1%▼ -0.3 percentage points vs 09-2026lowest value
11-2026: 0.1%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
raises risk
Last filed accounts filed 54 days late; 1 of the last 3 accounts late
Founded in 2024
lowers risk
Sector: Computer programming, consultancy and related activities (NACE 62)
Liquidity: current ratio 2.77, cash €1,426
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 62, micro). It does better than 85% of them on solvency, 51% on liquidity, 22% on profitability and 56% on growth.
The bankruptcy probability was computed on 08-11-2026 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, 11,279 companies had the same profile as CHANGE AGENT has now. Each dot stands for 29 companies, two years later.
96.6%
were still trading
2.6%
stopped another way
0.7%
went bankrupt
That fits the bankruptcy probability of CHANGE AGENT itself: 0.1% within 12 months.
Test of the method
The method was tested on the 497,447 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 11,279 companies, not a prediction for CHANGE AGENT. 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 €500 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 2.77 (9.05 in 2024), above the usual 1.5. Short-term debt is 17% and cash 18.1% of total assets. 17% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 54 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 23-09-2026, 54 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 2 filingsDeviation from the deadline
2025
54 days late
2024
3 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 2 accounts on average 26 days after the deadline. In the sector (NACE 62), the median for financial year 2024 was 9 days before the deadline, and 33% 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.
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1016414203
Incorporation
Founding capital of €3,000, 100 shares · Founder: BRADLEY Adriano Saint Clair (comparant) · Appointment: BRADLEY Adriano Saint Clair (director) · published on 22-11-2024 · Gazette deed
First establishment
Terkamerenlaan 64, Brussels
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| CHANGE AGENT Brussels | €7,893 | €3,728 | 83.0% | - |
| TECHPULSE INNOVATION Brussels | €7,994 | €2,846 | 23.0% | - |
| AXENIUS Wuustwezel | €9,320 | €4,393 | 62.5% | - |
| ART-IT Berlare | €6,399 | €3,826 | 77.4% | - |
| TREBRA Affligem | €8,514 | €4,599 | 76.9% | - |
| HSH TECH-SOLUTIONS Bierbeek | €5,912 | €2,998 | 84.5% | - |
| KissCo Brussels | €9,697 | €4,264 | 31.7% | - |
These companies have the same main activity as CHANGE AGENT: computer consultancy and computer facilities management (NACE 62200). They are comparable in size and age: total assets between €5,910 and €9,700, founded between 2024 and 2025.
Official details
Source: KBO- Status
- Active since 20-11-2024Normal situation
- Activity
- Computer consultancy and computer facilities managementNACE 62200and 3 others
- Establishment unit
- 2.367.143.1611000 Brussels, since 20-11-2024
- Financial year end
- 31 December
- Peppol
- Reachable since 31-05-2025
Annual accounts 2025
- €3,728▼ 7.4%
- ≈ €20,000estimated
- €586▼ 80.2%
- €6,549▲ 9.8%
- €7,893▲ 17.8%
- Filing
- Filed on 23-09-2026
Insights on CHANGE AGENT
CHANGE AGENT has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €6,549 and a net result of €586.
Its solvency ranks better than 79% of 21,206 sector peers (NACE 62, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 23-09-2026, 54 days late€3,728
▼ 7.4%
€2,632
▼ 28.9%
€586
▼ 80.2%
€2,385
▼ 60.0%
83.0%
▼ 6.0 percentage points
2.77
▼ 6.28
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €20,000. Estimated: probably between €9,600 and €39,000.
Balance sheet
balance sheet total €7,893 on 31-12-2025What the company ownsHow it is paid for
in euro
in euro
Position in the sector
83.0%
Higher than 79% of 21,206 companies in 2025.
2.77
Higher than 55% of 20,569 companies in 2025.
7.4%
Higher than 30% of 20,744 companies in 2025.
CHANGE AGENT
Middle half of the sector
80% of the sector
Micro accounts in computer programming and consultancy (NACE 62)
Net result: bottom quarter · Equity: bottom quarter · Balance sheet total: bottom quarter · Working capital: bottom quarter
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 |
|---|---|---|---|
| Balance sheet: assets | |||
20/58 |
7,893 | 6,703 | |
21/28 |
4,163 | - | |
22/27 |
4,163 | - | |
23 |
1,291 | - | |
24 |
2,873 | - | |
29/58 |
3,730 | 6,703 | |
40/41 |
2,303 | 6,453 | |
40 |
- | 6,032 | |
41 |
2,303 | 421 | |
54/58 |
1,426 | 250 | |
| Balance sheet: equity and liabilities | |||
10/49 |
7,893 | 6,703 | |
10/15 |
6,549 | 5,962 | |
10/11 |
3,000 | 3,000 | |
14 |
3,549 | 2,962 | |
17/49 |
1,344 | 741 | |
42/48 |
1,344 | 741 | |
45 |
1,344 | 741 | |
450/3 |
1,344 | 741 | |
| Income statement | |||
9900 |
3,728 | 4,025 | |
630 |
922 | - | |
640/8 |
175 | 322 | |
9901 |
2,632 | 3,703 | |
75/76B |
60 | - | |
75 |
60 | - | |
65/66B |
1,131 | - | |
65 |
1,131 | - | |
9903 |
1,560 | 3,703 | |
67/77 |
974 | 741 | |
9904 |
586 | 2,962 | |
9905 |
586 | 2,962 | |
| Appropriation of the result | |||
9906 |
3,549 | 2,962 | |
14P |
2,962 | - | |
| Document | |||
The notes to these accounts have 6 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 23-09-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank2025 annual accounts filed 54 days after the deadline. Filed on 23 September 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00525683.
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 |
|---|---|---|---|
| 3,554 | - | ||
| 1,508 | - | ||
| 5,085 | - | ||
| 1,177 | - | ||
| 2,385 | 5,962 | ||
| 83.0% | 89.0% | ||
| 2.77 | 9.05 | ||
| 0.21 | 0.12 | ||
| 9.0% | 49.7% | ||
| 7.4% | 44.2% | ||
| 3.14 | - |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired| Item | 2025 | 2024 |
|---|---|---|
| Tangible fixed assets | €5,085 | - |
| €922 | - |
Source: notes to the 2024 to 2025 annual accounts (statement of fixed assets)
Insights on CHANGE AGENT
The operating result for 2025 is 29% lower than in 2024.
Debt's share of the balance-sheet total rises from 11.0% to 17.0%. Equity and debt are higher.
Board & ownership
Board
1 director, since incorporationDirector (not named in the articles)
since 20-11-2024
term without a fixed end
listed in the 2025 annual accounts, filed on 23-09-2026
Mandates through the years
1 name, the dashed line is todayBRADLEY Adriano Saint Clair
Director (not named in the articles)
Director (not named in the articles)
Board
Mandates as a list
- BRADLEY Adriano Saint Clair
- Director (not named in the articles), from 20-11-2024 to date
Control
Capital
- Contribution
- €3,000
- Shares
- 100
- Contribution per share
- €30
- Equity per share
- €65.49 in 2025
- Source
- deed of 22-11-2024
Articles of association
deed of 22-11-2024 (in French)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- At least 1 director
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Last Friday of June at 18:00
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor
Founder
At incorporation
deed of 22-11-2024 ↗
- BRADLEY Adriano Saint Clair sole founder · 100% at incorporation
Network & group
No group
CHANGE AGENT has no parent and no holdings in its annual accounts. BRADLEY Adriano Saint Clair is the only director. CHANGE AGENT shares no director with another company.
At the same address
Terkamerenlaan 64, 1000 Brussels · 1 other company| Brussels Repetition School
registered office since 24-07-1974 |
founded in 1974 0414.508.120 |
Timeline
Timeline
5 events since 2024Filings
Establishments
202420252026
Deadline for the 2026 accounts: 31-07-2027
2026
Annual accounts 2025 filed NBBmicro format · 54 days late
2025
Annual accounts 2024 filed NBBmicro format · 3 days before the deadline
Registered in the Peppol Directory Reachable for e-invoices through 0208:1016414203
2024
IncorporationFounding capital of €3,000, 100 shares · Founder: BRADLEY Adriano Saint Clair (comparant) · Appointment: BRADLEY Adriano Saint Clair (director) · published on 22-11-20245 points ▸
- Founder, BRADLEY Adriano Saint Clair (comparant)
- Founding capital, €3,000, 100 shares
- Registered office clause, Boulevard de la Cambre 64, 1000 Bruxelles
- Board rule, 1
- Director appointment, BRADLEY Adriano Saint Clair (director (not named in the articles))
- The deed holds 2 more points.
First establishment Terkamerenlaan 64, Brussels
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
On 20 November 2024, CHANGE AGENT was incorporated as a private limited company by one natural person, with a starting capital of €3,000.12 BRADLEY Adriano Saint Clair has served as director since 2024.3 The company has filed 2 sets of annual accounts, the latest for financial year 2025.3
Company details
Identity
- Enterprise number
- 1016.414.203
- VAT number
- BE 1016.414.203
- Peppol ID
- 0208:1016414203
- Other Peppol ID
- 9925:BE1016414203
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 20-11-2024
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Last Friday of June at 18:00deed of 22-11-2024 (in French)
- Peppol
- Reachable since 31-05-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- CHANGE AGENT in French
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 22-11-2024 (in French)
- Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
- “Région de Bruxelles-Capitale”deed of 22-11-2024 (in French)
Activities
NACEBEL 202562200
Computer consultancy and computer facilities management main activity
62100
Computer programming
85599
Other education
Codes under NACEBEL 2008
62020
IT consultancy main activity
62010
Computer programming, consultancy and related activities
74103
Other professional, scientific and technical activities
85599
Other education
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Accomplir toutes opérations relatif à l’IT et les activités de consultancy et web development, et tous les activités concernant…”deed of 22-11-2024 (in French)
6 activities
- Accomplir toutes opérations relatif à l’IT et les activités de consultancy et web development, et tous les activités concernant l’installation, la configuration, des produits IT, software, software adaptés aux spécialisations des clients.
- Accomplir toutes opérations généralement quelconques, commerciales, industrielles, financières, mobilières ou immobilières, se rapportant directement ou indirectement à son objet.
- S’intéresser par toutes voies dans toutes les affaires, entreprises ou sociétés, ayant un objet identique, analogue ou connexe ou qui sont de nature à favoriser le développement de son entreprise.
- Exercer des mandats d’administrateurs ou de liquidateur dans d’autres sociétés.
- Toute prestation en relation avec des biens, immeubles, construits ou non, ainsi que sur des biens mobiliers de toute nature, comme acquérir et vendre, échanger, lotir, et réaliser tous les biens immobiliers et mobiliers lever ou céder des droits d’ options pour l’ achat, la gestion d’immeubles ou sociétés immobilières, d’expertise, d’agent concernant d’immeubles, ceci en nom propre ou pour compte de tiers;
- Exercer l’ activité de service, en tant qu’agent, en rapport avec les activités précitées, pour compte propre et pour compte de tiers;
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Terkamerenlaan 64 registered office 1000 Brussels | 20-11-2024 | 2.367.143.161 |
Buildings and parcels at the address
- Ground area
- 154 m²
- Buildings
- 88 m²
- Volume, LiDAR
- 1,351 m³
- Tallest building
- 19.6 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 21822R0228/00G004 | 154 m² | 1 · 88 m² | 19.6 m · 6 |