Pro Ch@nge
ActivePro Ch@nge has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €418k and a net result of €14k. Equity remains stable across the filed fiscal years (±1.8% per year). Its solvency ranks better than 51% of 9099 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
66
/ 100
Healthy▲ +18 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability16▲+16
Solvency61▼-12
Growth78▲+26
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity tight (current ratio 1.4 against 1.62 in 2024), and 67% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
33%
Return on assets
1.1%
Age of the figures
8 mo
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
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 11-06-2026, 50 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
50 d early
2024
50 d early
2023
50 d early
2022
55 d early
2021
53 d early
2020
53 d early
2019
31 d early
← before the deadline
after the deadline →
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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€418k▼ 29.0%
2024 · €588k
2018: €100k
2019: €118k
2020: €713k
2021: €708k
2022: €635k
2023: €605k
2024: €588k
2018 → 2025
Total assets
€1.26M▼ 18.5%
2024 · €1.55M
2018: €156k
2019: €320k
2020: €1.33M
2021: €1.28M
2022: €912k
2023: €1.31M
2024: €1.55M
2018 → 2025
Net result
€14k▲ 4,098%
2024 · €326
2018: €13k
2019: €17k
2020: €596k
2021: €5k
2022: €-73k
2023: €668
2024: €326
2018 → 2025
Working capital
€307k▼ 48.0%
2024 · €591k
2018: €-8k
2019: €8k
2020: €620k
2021: €627k
2022: €610k
2023: €585k
2024: €591k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€708k-€635k▼ 10.3%€605k▼ 4.7%€588k▼ 2.8%€418k▼ 29.0%
Operating result€10k-€-23k€14k€48k▲ 257%€40k▼ 16.7%
Net result€5k-€-73k€668€326▼ 51.2%€14k▲ 4,098%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 17% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.26M
Fixed assets
€195k▲ 1,472%
Current assets
€1.07M▼ 30.5%
Equity and liabilities €1.26M
Equity
€418k▼ 29.0%
Debt
€847k▼ 12.1%
The debt ratio rises from 62.1% to 67.0%: equity shrinks faster than debt is paid down.
Key figures and ratios
EBITDA
€47k▼
2024 · €58k
Cash flow
€20k▲
2024 · €10k
Solvency
33.0%▼
2024 · 37.9%
Current ratio
1.40▼
2024 · 1.62
Quick ratio
0.65▲
2024 · 0.58
Debt / equity
2.03▲
2024 · 1.64
ROE
3.3%▲
2024 · 0.1%
ROA
1.1%▲
2024 · 0.0%
Interest coverage
2.04▲
2024 · 1.02
Debt
€847k▼
2024 · €964k
Debt ≤ 1 year
€762k▼
2024 · €949k
Debt > 1 year
€85k▲
2024 · €0
Income taxes
€11k▲
2024 · €6k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€1.55M€1.26M▼
Fixed assets21/28€12k€195k▲
Tangible fixed assets22/27€12k€29k▲
Plant, machinery and equipment23€2k€24k▲
Furniture and vehicles24€10k€5k▼
Other tangible fixed assets26€355€35▼
Financial fixed assets28-€166k
Current assets29/58€1.54M€1.07M▼
Amounts receivable after more than one year29€344k€69k▼
Other amounts receivable291€344k€69k▼
Stocks and contracts in progress3€992k€573k▼
Stocks30/36€992k€573k▼
Amounts receivable within one year40/41€23k€21k▼
Trade receivables40€23k€18k▼
Other amounts receivable41€0€3k▲
Cash at bank and in hand54/58€176k€399k▲
Deferred charges and accrued income490/1€4k€7k▲
Equity and liabilities
Total equity and liabilities10/49€1.55M€1.26M▼
Equity10/15€588k€418k▼
Contributions10/11€6k€6k=
Reserves13€601k€417k▼
Distributable reserves133€601k€417k▼
Profit (loss) carried forward14€-19k€-5k▲
Amounts payable17/49€964k€847k▼
Amounts payable after more than one year17€0€85k▲
Financial debts170/4€0€85k▲
Amounts payable within one year42/48€949k€762k▼
Current portion of amounts payable after more than one year42€3k€14k▲
Financial debts43€821k€516k▼
Credit institutions430/8€821k€516k▼
Trade debts44€30k€32k▲
Suppliers440/4€30k€32k▲
Taxes, remuneration and social security45€69k€10k▼
Taxes450/3€69k€10k▼
Other amounts payable47/48€25k€189k▲
Accrued charges and deferred income492/3€15k€234▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€7k▼
Other operating charges640/8€1k€1k▲
Gross operating margin9900€59k€48k▼
Operating profit (loss)9901€48k€40k▼
Financial income75/76B€14k€7k▼
Recurring financial income75€14k€7k▼
Financial charges65/66B€57k€23k▼
Recurring financial charges65€57k€23k▼
Profit (loss) for the period before taxes9903€6k€24k▲
Income taxes67/77€6k€11k▲
Profit (loss) for the period9904€326€14k▲
Profit (loss) for the period to be appropriated9905€326€14k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-19k€-5k▲
Profit (loss) brought forward from the previous period14P€-19k€-19k▲
Transfer from equity791/2€17k€184k▲
Profit to be distributed694/7€17k€184k▲
Return on contributions (dividend)694€17k€184k▲
Social balance
Average headcount (FTE)9087-0.0
The notes to these accounts (16 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
11-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
11-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
11-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Back to profitnet €668
Net result €668 after one loss-making year.
06-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Weakest financial yearnet €-73k ▼1431%
Net result drops to €-73k, the lowest in the series; recovery starts the following year.
08-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
08-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €596k ▲3331%
Net result €596k, the highest in the series.
31-12
Financial
Equity above €500kEq €713k ▲506%
3 profitable years in a row build equity to €713k.
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
20-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
04-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
13-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Lommel · 1 establishment unit since 2011
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.
Kreekstraat 23920 LommelGround area
697 m²
Building footprint
124 m²
Volume, LiDAR
675 m³
Parcel 72345B1152/00G005, Flanders · tallest building 6.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
PRO CH@NGE
since 20112.200.964.741
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72345B1152/00G005 | Flanders | 697 m² | 1 · 124 m² | 6.5 m · 2 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.
Similar companies · same sector, comparable size
NIVELLES IMMO
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UMUNTU VENTURES
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AM EXPERT REAL ESTATE
BE 0661.953.833
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Amogis
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TRISKELION
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Gent · Eq €419k
Of 7,287 companies in sector 68110 we hold annual accounts for 5,352. 3,744 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-07-2011
Fiscal year end31-12
Activities, NACEBEL
68110Buying and selling of own real estate
41001General construction of residential buildings
68121Development of residential building projects
68122Development of non-residential building projects
43211General electrical installation work
43350Other building finishing work
43990Other specialised construction activities
43999Specialised construction activities
68310Real estate agency activities
68311Real estate activities
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.