Equity
€33,420 ▲ 18.3%
StepChange paid out €8,000 in dividends. That is 50% of the 2025 profit.
StepChange
Lifetime
5 annual accounts with figures on one time axispeak €28,245 (2023)
€28,218▲ €28,372
lowest -€11,419 (2024)
€15,891▲ €27,310
peak €33,420 (2025)
€33,420▲ 18.3%
€38,900▼ 16.9%
Board3 names since 2020
1 directorvan Wijck Laetitia
Documentsfilings and deeds
26-06-202635 days before the deadline
2025micro format
Gross margin from -€154 to €28,218Back to profit: €15,891Dividend €8,000Equity from €28,258 to €33,420Debts from €46,824 to €38,900Cash from €2,532 to €30,276
Key points
from the 2025 annual accountsTurnover
≈ €73,000 estimated
The micro format states no turnover.
Liquidity
1.20 was 0.69 in 2024
Short-term debts fell from €46,824 to €38,900.
Filings
5 annual accounts 1 late
The 2022 accounts came 25 days late. The other four were filed on time.
Starting capital
€25,000 1,000 shares
At the same address
60 companies
Checked score
95
Excellent
Financially stronger than 62% of micro companies in office administrative support (NACE 82)
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: 0.2% across 12,672 companies (NACE 82, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.9%
01-2025: 0.9%● unchanged vs 12-2024
02-2025: 0.8%▼ -0.1 percentage points vs 01-2025
03-2025: 0.8%● unchanged vs 02-2025
04-2025: 0.9%▲ +0.1 percentage points vs 03-2025
05-2025: 0.9%● unchanged vs 04-2025
06-2025: 0.9%● unchanged vs 05-2025
07-2025: 0.9%● unchanged vs 06-2025
08-2025: 0.5%▼ -0.4 percentage points vs 07-2025
09-2025: 0.5%● unchanged vs 08-2025
10-2025: 0.5%● unchanged vs 09-2025
11-2025: 0.5%● unchanged vs 10-2025
12-2025: 0.6%▲ +0.1 percentage points vs 11-2025
01-2026: 0.6%● unchanged vs 12-2025
02-2026: 0.6%● unchanged vs 01-2026
03-2026: 0.6%● unchanged vs 02-2026
04-2026: 0.6%● unchanged vs 03-2026
05-2026: 0.6%● unchanged vs 04-2026
06-2026: 0.6%● unchanged vs 05-2026
07-2026: 0.6%● unchanged vs 06-2026
08-2026: 0.8%▲ +0.2 percentage points vs 07-2026
09-2026: 1.0%▲ +0.2 percentage points vs 08-2026highest value
10-2026: 0.1%▼ -0.9 percentage points vs 09-2026lowest value
11-2026: 0.1%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
lowers risk
Liquidity: current ratio 1.20, cash €30,276
Sector: Office administrative, office support and other business support activities (NACE 82)
Equity €33,420 (46.2% of total assets)
Figures for financial year 2025 (filed on 26-06-2026)
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 82, micro). It does better than 48% of them on solvency, 67% on liquidity, 70% on profitability and 64% 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, 26,972 companies had the same profile as StepChange has now. Each dot stands for 68 companies, two years later.
94.9%
were still trading
3.4%
stopped another way
1.6%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of StepChange itself is lower: 0.1% within 12 months. It rests on far more data about StepChange than the profile alone.
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 26,972 companies, not a prediction for StepChange. 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 €3,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.2 (0.69 in 2024), below the usual 1.5. Short-term debt is 53.8% and cash 41.9% of total assets. 53.8% 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
5 signals, none raises the risk
Five signals.
lowers riskneutral
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 26-06-2026, 35 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
35 days early
2024
17 days early
2023
76 days early
2022
25 days late
2021
38 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 5 accounts on average 28 days before the deadline. In the sector (NACE 82), the median for financial year 2024 was 7 days before the deadline, and 35% 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 26 June (4 of the last 5 accounts filed within 40 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- van Wijck Laetitia 700 sharesdeed of 14-01-2020
- Marchant Ariane 300 sharesdeed of 14-01-2020
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0741421676
Resignation: Marchant Arlane (managing director)
General meeting of 30-06-2021 · Gazette deed
Incorporation
Founding capital of €25,000, 1,000 shares · Founders: van Wijck Laetitia and Marchant Ariane · Appointments: van Wijck Laetitia (managing director) and Marchant Ariane (managing director) · published on 14-01-2020 · Gazette deed
First establishment
Sint Michielswarande 30/B, Etterbeek
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| StepChange Etterbeek | €72,320 | €28,218 | 46.2% | - |
| ROSE EXPERIENCE Ixelles | €64,996 | €30,633 | 71.1% | - |
| SPINWISE Ypres | €67,261 | €29,289 | 74.3% | - |
| Peter Soete Knokke-Heist | €64,078 | €29,820 | 2.5% | - |
| BEETKLAAR Hasselt | €69,774 | €27,199 | 74.2% | - |
| Aquamatters Antwerp | €78,782 | €25,508 | 2.7% | - |
| Anne Bellinck Sint-Pieters-Leeuw | €71,184 | €24,335 | 75.6% | - |
These companies have the same main activity as StepChange: other business support services (NACE 82990). They are comparable in size and age: total assets between €64,100 and €78,800, founded between 2019 and 2020.
Official details
Source: KBO- Status
- Active since 10-01-2020Normal situation
- Activity
- Other business support servicesNACE 82990and 2 others
- Establishment unit
- 2.298.101.7291040 Etterbeek, since 10-01-2020
- Financial year end
- 31 December
- Peppol
- Reachable since 12-11-2025
Annual accounts 2025
- €72,320▼ 3.7%
- Filing
- Filed on 26-06-2026, 35 days before the end of the filing period
Insights on StepChange
StepChange files the micro format. That format states no turnover. The gross margin rose from -€3,026 in 2021 to €28,218 in 2025.
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 StepChange
- What is the company number of StepChange?
- The company number of StepChange is 0741.421.676. The VAT number is the same number with BE in front: BE 0741.421.676.
- Where is StepChange based?
- The registered office is at Sint Michielswarande 30/B, 1040 Etterbeek.Company details
- What does StepChange do?
- According to the KBO register, the main activity is other business support services (NACE 82990).
- What is the legal form of StepChange?
- StepChange is a private limited company (BV).
- When was StepChange founded?
- StepChange was founded on 10-01-2020.
- Is StepChange still active?
- Yes, StepChange is an active enterprise in the KBO register.
- What is the turnover of StepChange?
- The turnover in financial year 2025 is ≈ €73,000. This figure is estimated from the gross margin of €28,218 and 41 comparable companies (NACE 82990). It probably lies between €45,000 and €95,000.Financials
- Is StepChange profitable?
- In financial year 2025, StepChange made a profit of €15,891.
- Where can I find the annual accounts of StepChange?
- StepChange filed 5 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of StepChange due?
- StepChange must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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