RESSOURCES SELECTION CHANGEMENT
ActiveRESSOURCES SELECTION CHANGEMENT has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €189k and a net result of €5k. Equity is growing by ~10.1% per year across the filed fiscal years. Its solvency ranks better than 93% of 31523 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
86
/ 100
Excellent▼ -7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability12▼-62
Solvency100=
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days acceptable
Liquidity ample (current ratio 14.64 against 7.73 in 2024), and 5.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
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
94.2%
Return on assets
2.3%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-08-2026, 20 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
20 d late
2024
28 d late
2023
20 d late
2022
28 d late
2021
29 d late
2020
30 d late
2019
37 d late
← 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€189k▲ 2.5%
2024 · €184k
2018: €107k
2019: €103k
2020: €115k
2021: €120k
2022: €129k
2023: €157k
2024: €184k
2018 → 2025
Total assets
€200k▼ 4.9%
2024 · €211k
2018: €118k
2019: €119k
2020: €158k
2021: €165k
2022: €143k
2023: €180k
2024: €211k
2018 → 2025
Net result
€5k▼ 82.9%
2024 · €27k
2018: €17k
2019: €-4k
2020: €11k
2021: €5k
2022: €10k
2023: €28k
2024: €27k
2018 → 2025
Working capital
€158k▼ 11.5%
2024 · €178k
2018: €101k
2019: €91k
2020: €104k
2021: €110k
2022: €119k
2023: €149k
2024: €178k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€120k-€129k▲ 8.3%€157k▲ 21.3%€184k▲ 17.3%€189k▲ 2.5%
Operating result€13k-€16k▲ 20.7%€43k▲ 175%€41k▼ 4.9%€8k▼ 80.2%
Net result€5k-€10k▲ 105%€28k▲ 179%€27k▼ 1.2%€5k▼ 82.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 80% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €200k
Fixed assets
€31k▲ 443%
Current assets
€169k▼ 17.3%
Equity and liabilities €200k
Equity
€189k▲ 2.5%
Debt
€12k▼ 56.3%
The debt ratio falls from 12.6% to 5.8%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€12k▼
2024 · €43k
Cash flow
€8k▼
2024 · €29k
Solvency
94.2%▲
2024 · 87.4%
Current ratio
14.64▲
2024 · 7.73
Quick ratio
14.64▲
2024 · 7.73
Debt / equity
0.06▼
2024 · 0.14
ROE
2.5%▼
2024 · 14.8%
ROA
2.3%▼
2024 · 12.9%
Interest coverage
46.03▼
2024 · 136.49
Debt
€12k▼
2024 · €26k
Debt ≤ 1 year
€12k▼
2024 · €26k
Income taxes
€6k▼
2024 · €14k
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€211k€200k▼
Fixed assets21/28€6k€31k▲
Tangible fixed assets22/27€6k€31k▲
Furniture and vehicles24€6k€31k▲
Current assets29/58€205k€169k▼
Amounts receivable within one year40/41€11k€10k▼
Trade receivables40€11k€10k▼
Current investments50/53€70k-
Cash at bank and in hand54/58€122k€156k▲
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€211k€200k▼
Equity10/15€184k€189k▲
Contributions10/11€6k€6k=
Reserves13€170k€175k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€168k€173k▲
Profit (loss) carried forward14€8k€8k=
Amounts payable17/49€26k€12k▼
Amounts payable within one year42/48€26k€12k▼
Financial debts43€229€55▼
Credit institutions430/8€229€55▼
Trade debts44€5k€6k▲
Suppliers440/4€5k€6k▲
Advances received on contracts in progress46€5k-
Taxes, remuneration and social security45€16k€6k▼
Taxes450/3€16k€6k▼
Other amounts payable47/48€73€93▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€4k▲
Other operating charges640/8€967€2k▲
Gross operating margin9900€44k€13k▼
Operating profit (loss)9901€41k€8k▼
Financial income75/76B€1k€3k▲
Recurring financial income75€1k€3k▲
Financial charges65/66B€312€252▼
Recurring financial charges65€312€252▼
Profit (loss) for the period before taxes9903€41k€11k▼
Income taxes67/77€14k€6k▼
Profit (loss) for the period9904€27k€5k▼
Profit (loss) for the period to be appropriated9905€27k€5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€35k€12k▼
Profit (loss) brought forward from the previous period14P€8k€8k=
Transfer to equity691/2€27k€5k▼
To other reserves6921€27k€5k▼
The notes to these accounts (7 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
20-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 20 days late
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
20-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 20 days late
2023
31-12
Financial
Highest result since 2018net €28k ▲179%
Operating result €43k, net result €28k, both a record.
31-12
Financial
Equity above €150kEq €157k ▲21.3%
4 profitable years in a row build equity to €157k.
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
31-12
Financial
Liquidity triplescurrent ratio 9.77
Current ratio from 3.41 to 9.77; short-term debt falls from €46k to €14k.
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-12
Financial
Back to profitnet €11k
Net result €11k after one loss-making year.
06-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 37 days late
2019
31-12
Financial
Weakest financial yearnet €-4k ▼123%
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 28 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Ottignies-Louvain-la-Neuve · 1 establishment unit since 2002
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.
Rampe du Val 1A1348 Ottignies-Louvain-la-NeuveGround area
332 m²
Building footprint
24 m²
Volume, LiDAR
77 m³
Parcel 25385B0048/00R004, Wallonia · tallest building 4.0 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Ressources Selection Changement
since 20022.258.830.387
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25385B0048/00R004 | Wallonia | 332 m² | 1 · 24 m² | 4.0 m · 1 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
COOREMAN
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VANVEUREN HOLDING
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NYMA
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Of 82,218 companies in sector 70200 we hold annual accounts for 52,396. 40,101 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded27-03-2002
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
55522
56210Event catering
71121Engineering and related technical consultancy, excluding land surveyors
74203
74501
78100Employment placement agencies
80421
85592Vocational training
93052
96999Other personal services
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.