Turnover
≈ €360,000 estimated
The accounts state no turnover.
CHANGY & REGOUT
Lifetime
8 annual accounts with figures on one time axispeak €340,879 (2021)
€102,079▼ 21.6%
lowest -€71,688 (2023)
€10,846▼ 72.4%
peak €174,311 (2022)
€152,787▲ 7.6%
€263,312▲ 115%
peak 4.1 FTE (2021)
1 FTE▼ 58.3%
Board2 names since 2021
2 directorsCOIMGEST and 1 other
Owners2 names in the annual accounts
100%COIMGEST
Documentsfilings and deeds
31-08-202631 days late
2025abbreviated format
Gross margin from €130,153 to €102,079Result from €39,317 to €10,846Staff from 2.4 FTE to 1 FTEDebts from €122,318 to €263,312Cash from €32,214 to €173,467
Key points
from the 2025 annual accountsDebts
€263,312 ▲ 115%
Debts rose by €140,995 in 2025.
Staff
1 employees on 31-12-2025
In 2025, nobody joined and 1 person left.
Filings
8 annual accounts 7 late
The 2019 accounts came latest: 41 days after the end of the period.
At the same address
7 companies
Board
1 left
A director left. Latest change 13-05-2026 · 1 in office.
Checked score
64
Healthy
Financially stronger than 53% of micro companies in construction of buildings (NACE 41)
Probability in this band: 0.55% to 1.5%
Bankruptcy probability within 12 months
1.5% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 1.5% across 13,458 companies (NACE 41, micro).
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 3.1%
01-2025: 3.1%● unchanged vs 12-2024
02-2025: 2.9%▼ -0.2 percentage points vs 01-2025
03-2025: 2.9%● unchanged vs 02-2025
04-2025: 3.2%▲ +0.3 percentage points vs 03-2025
05-2025: 3.3%▲ +0.1 percentage points vs 04-2025
06-2025: 3.3%● unchanged vs 05-2025
07-2025: 3.5%▲ +0.2 percentage points vs 06-2025
08-2025: 4.2%▲ +0.7 percentage points vs 07-2025highest value
09-2025: 1.2%▼ -3.0 percentage points vs 08-2025
10-2025: 1.2%● unchanged vs 09-2025
11-2025: 1.1%▼ -0.1 percentage points vs 10-2025lowest value
12-2025: 1.1%● unchanged vs 11-2025lowest value
01-2026: 1.1%● unchanged vs 12-2025lowest value
02-2026: 1.1%● unchanged vs 01-2026lowest value
03-2026: 1.1%● unchanged vs 02-2026lowest value
04-2026: 1.4%▲ +0.3 percentage points vs 03-2026
05-2026: 1.6%▲ +0.2 percentage points vs 04-2026
06-2026: 1.5%▼ -0.1 percentage points vs 05-2026
07-2026: 1.7%▲ +0.2 percentage points vs 06-2026
08-2026: 2.3%▲ +0.6 percentage points vs 07-2026
09-2026: 1.5%▼ -0.8 percentage points vs 08-2026
10-2026: 1.5%● unchanged vs 09-2026
11-2026: 1.5%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Sector: Construction of residential and non-residential buildings (NACE 41)
Last filed accounts filed 31 days late; 1 of the last 3 accounts late
1 change of registered office in 24 months
lowers risk
Liquidity: current ratio 1.43, cash €173,467
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 41, micro). It does better than 43% of them on solvency, 74% on liquidity, 46% on profitability and 50% on growth.
The bankruptcy probability was computed on 09-11-2026 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 moderate class on 30-06-2025, 2.4% 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, 5,047 companies had the same profile as CHANGY & REGOUT has now. Each dot stands for 13 companies, two years later.
94.0%
were still trading
3.8%
stopped another way
2.2%
went bankrupt
That fits the bankruptcy probability of CHANGY & REGOUT itself: 1.5% 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 5,047 companies, not a prediction for CHANGY & REGOUT. 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 €9,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.43 (1.98 in 2024), below the usual 1.5. Short-term debt is 58.7% and cash 40.5% of total assets. 64.3% 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 risk
raises risk · 2025 accounts filed 31 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 8 filingsDeviation from the deadline
2025
31 days late
2024
18 days late
2023
30 days late
2022
10 days late
2021
47 days early
2020
18 days late
2019
41 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 14 days after the deadline. In the sector (NACE 41), the median for financial year 2024 was on the deadline day, and 46% 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 18 August (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- COIMGEST 100%score 63equity €73,100 (2025) · 2025 annual accounts of COIMGEST
- RDLJ consolidatesscore 83equity €95,725 (2025) · annual accounts 2018
Recent changes
Resignation: Changy & Regout (director)
Permanent representative: Gaëtan Regout · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0677497488
Registered office moved from Merdorp to Couthuin
New registered office: Rue Via 6, 4218 Couthuin (Héron) · Previous registered office: Rue Longue Vesse 10-4280 Merdorp · Gazette deed
Changes of role: RDLJ (director) and COIMGEST (director)
Permanent representatives: Gaétan Regout and François-Xavier Carpentier de Changy · General meeting of 17-10-2023 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| CHANGY & REGOUT Héron | €427,999 | €102,079 | 35.7% | 1 |
| MJ Works Lille | €451,787 | €126,045 | 12.1% | 1 |
| VU-CONSTRUCT Uccle | €420,568 | €87,360 | 21.5% | 0.8 |
| Business for Business Services Sint-Lievens-Houtem | €320,386 | €126,839 | 44.0% | 0.9 |
| VALVIO CONSTRUCT Grimbergen | €424,979 | €95,491 | 12.7% | 1 |
| Unibo Izegem | €365,807 | €153,620 | 61.2% | 1 |
| BPM CONSTRUCT Waregem | €580,708 | €111,846 | 40.3% | 0.9 |
These companies have the same main activity as CHANGY & REGOUT: general construction of residential buildings (NACE 41001). They are comparable in size and age: total assets between €320,000 and €581,000, founded between 2013 and 2020.
Official details
Source: KBO- Status
- Active since 23-06-2017Normal situation
- Activity
- General construction of residential buildingsNACE 41001and 1 other
- Joint committee
- 124Construction · annual accounts 2025
- Establishment unit
- 2.266.759.1484218 Héron, since 23-06-2017
- Financial year end
- 31 December
- Peppol
- Reachable since 22-12-2025
Annual accounts 2025
- €427,999▲ 52.1%
- Employeeson 31-12-2025
- 1▼ 50.0%
- Filing
- Filed on 31-08-2026
Insights on CHANGY & REGOUT
CHANGY & REGOUT files the abbreviated format. That format states no turnover. The gross margin rose from €47,173 in 2018 to €102,079 in 2025.
COIMGEST holds all the shares.
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 CHANGY & REGOUT
- What is the company number of CHANGY & REGOUT?
- The company number of CHANGY & REGOUT is 0677.497.488. The VAT number is the same number with BE in front: BE 0677.497.488.
- Where is CHANGY & REGOUT based?
- The registered office is at Rue Via 6, 4218 Héron.Company details
- What does CHANGY & REGOUT do?
- According to the KBO register, the main activity is general construction of residential buildings (NACE 41001).
- What is the legal form of CHANGY & REGOUT?
- CHANGY & REGOUT is a private limited company (BV).
- When was CHANGY & REGOUT founded?
- CHANGY & REGOUT was founded on 23-06-2017.
- Is CHANGY & REGOUT still active?
- Yes, CHANGY & REGOUT is an active enterprise in the KBO register.
- How many employees does CHANGY & REGOUT have?
- CHANGY & REGOUT had an average of 1 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does CHANGY & REGOUT fall under?
- In its 2025 annual accounts, CHANGY & REGOUT states joint committee 124 (Construction).
- What is the turnover of CHANGY & REGOUT?
- The turnover in financial year 2025 is ≈ €360,000. This figure is estimated from the gross margin of €102,079 and 126 comparable companies (NACE 41001). It probably lies between €250,000 and €560,000.
- Is CHANGY & REGOUT profitable?
- In financial year 2025, CHANGY & REGOUT made a profit of €10,846.
- Where can I find the annual accounts of CHANGY & REGOUT?
- CHANGY & REGOUT filed 8 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of CHANGY & REGOUT due?
- CHANGY & REGOUT must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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