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StepChange

Active Private limited companyfounded 2020active for 6 yearsSint Michielswarande 30/B, 1040 EtterbeekKBO/BCE: BE 0741.421.676

Overview

Lifetime

5 annual accounts with figures on one time axis
peak €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
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 accounts

Equity

€33,420 ▲ 18.3%
28,2582024+15,891Profit-8,000Dividend-2,729Other33,4202025

StepChange paid out €8,000 in dividends. That is 50% of the 2025 profit.

Turnover

≈ €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
AprilJune31 JulyOctober20222024

The 2022 accounts came 25 days late. The other four were filed on time.

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 strength
Strong

71+8equity 46.2% of total assets
73+52short-term debt 53.8% · cash 41.9%
96+96return on assets 22.0%

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
  • Micro
  • 5 to 10 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more

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.

The companies in ten equal groups, from the lowest to the highest expected share
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.

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

5 signals, none raises the risk
Five signals.
lowers riskneutral
lowers risk · Liquidity: current ratio 1.20, cash €30,276
NBB · annual accounts
lowers risk · Sector: Office administrative, office support and other business support activities (NACE 82)
KBO
lowers risk · Equity €33,420 (46.2% of total assets)
NBB · annual accounts
lowers risk · Figures for financial year 2025 (filed on 26-06-2026)
NBB · annual accounts
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 filings
Deviation 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 months
Where today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Board and ownership

VW
Director, since 09-01-2020
  • van Wijck Laetitia 700 sharesdeed of 14-01-2020
  • Marchant Ariane 300 sharesdeed of 14-01-2020
Board & ownership

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
All 12 events

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
Company details

Annual accounts 2025

€28,218
€15,891
€33,420▲ 18.3%
€72,320▼ 3.7%
Filing
Filed on 26-06-2026, 35 days before the end of the filing period
Financials

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.

Financials

Annual accounts 2025

micro format, filed on 26-06-2026, 35 days before the deadline
€28,218
▲ €28,372
€13,586
▲ €27,608
€15,891
▲ €27,310
€7,615
▲ €22,354
46.2%
▲ 8.6 percentage points
1.20
▲ 0.51

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 ≈ €73,000. Estimated: probably between €45,000 and €95,000.

Balance sheet

balance sheet total €72,320 on 31-12-2025
What the company ownsHow it is paid for

in euro

in euro

Position in the sector

46.2%

Higher than 46% of 9,695 companies in 2025.

1.20

Higher than 34% of 9,313 companies in 2025.

22.0%

Higher than 65% of 9,437 companies in 2025.

StepChange Middle half of the sector 80% of the sector Micro accounts in office administrative support (NACE 82)

Net result: middle half · Equity: middle half · Balance sheet total: middle half · Working capital: middle half

Filed annual accounts

as filed with the National Bank, click a year to choose it
Line Trend20252024202320222021
Balance sheet: assets
20/58 72,32075,08184,79222,57929,771
21/28 25,80542,99639,40413,8329,298
21 25,65542,89639,30413,7328,529
28 150100100100769
29/58 46,51532,08545,3888,74720,474
40/41 15,72129,55344,8495,8214,653
40 15,64126,55944,8495,2393,488
41 802,994-5831,166
54/58 30,2762,5321062,92615,820
490/1 518-432--
Balance sheet: equity and liabilities
10/49 72,32075,08184,79222,57929,771
10/15 33,42028,25832,65611,95824,018
10/11 25,00025,00025,00025,00025,000
14 2,609-5,2836,136-15,341-4,059
15 5,8128,5411,5202,2993,078
17/49 38,90046,82452,13610,6215,753
42/48 38,90046,82452,13610,6215,753
44 19,87918,09643,1239,3405,460
440/4 19,87918,09643,1239,3405,460
45 5,338-8,775--
450/3 5,338-8,775--
47/48 13,68328,7282381,281293
Income statement
76A 670----
9900 28,218-15428,245-7,519-3,026
630 14,25213,8687,4284,3971,661
631/4 380----
9901 13,586-14,02220,818-11,916-4,687
75/76B 2,7692,731788779825
75 2,7292,731788779817
76B 40---7
65/66B 464128129145197
65 464128126145196
66B -04-1
9903 15,891-11,41921,477-11,281-4,059
9904 15,891-11,41921,477-11,281-4,059
9905 15,891-11,41921,477-11,281-4,059
Appropriation of the result
9906 10,609-5,2836,136-15,341-4,059
14P -5,2836,136-15,341-4,059-
694/7 8,000----
694 8,000----
Document PDFPDFPDFPDFPDF

The notes to these accounts have 11 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 26-06-2026.

Download as CSV

Filings

each dot is a set of accounts, on the day it reached the National Bank
Financial year Type Filed Reference Document
31-12-2025 micro format 26-06-2026 2026-00217871 PDF
31-12-2024 micro format 14-07-2025 2025-00286106 PDF
31-12-2023 micro format 16-05-2024 2024-00090727 PDF
31-12-2022 micro format 25-08-2023 2023-00362679 PDF
31-12-2021 micro format 23-06-2022 2022-20091300 PDF

Key figures and ratios

per financial year, computed from the annual accounts
Line Trend20252024202320222021
27,838-15428,245-7,519-3,026
30,1432,44928,905-6,885-2,398
3,65030,96033,0009,60010,959
27,7442,426-2,819-12,895-
7,615-14,738-6,749-1,87414,720
46.2%37.6%38.5%53.0%80.7%
1.200.690.870.823.56
1.161.661.600.890.24
47.6%-40.4%65.8%-94.3%-16.9%
22.0%-15.2%25.3%-50.0%-13.6%
60.02-1.20over 100-52.04-15.45

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
Item20252024202320222021
Intangible fixed assets€3,600€30,960€33,000€9,600€10,190
Financial fixed assets€50---€769
€14,252€13,868€7,428€4,397€1,661

Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)

Insights on StepChange

The operating result for 2025 is a profit of €13,586, after a loss of €14,022 in 2024.

Debt's share of the balance-sheet total falls from 62.4% to 53.8%. Equity is higher and debt is lower.

Board & ownership

Board

1 director, no change since 2021
Director
since 09-01-2020 term without a fixed end
listed in the 2025 annual accounts, filed on 26-06-2026
Signing authorityThe articles say who may bind the company, for example by signing a contract.
Each director alone
deed of 14-01-2020

Office holders in the KBO →

Mandates through the years

3 names, the dashed line is today
Marchant Arlane
Managing director
Marchant Ariane
Managing director
BoardEarliermandate already running before its first mentionend not dated
Mandates as a list
  • van Wijck Laetitia
    • Director, from 09-01-2020 to date
    • Managing director, appointed by deed of 14-01-2020, last mentioned in 2020
  • Marchant Arlane
    • Managing director, until 01-07-2021
  • Marchant Ariane
    • Director, from 09-01-2020, last mentioned in 2020
    • Managing director, appointed by deed of 14-01-2020, last mentioned in 2020

See the board, name and registered office on a given date →

Control

This company
StepChange
Equity €33,420
Profit €15,891 in 2025

Capital

Contribution
€25,000
Shares
1,000
Contribution per share
€25
Equity per share
€33.42 in 2025
Source
deed of 14-01-2020

Articles of association

deed of 14-01-2020 (in French)
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
First Thursday of June at 10:00

Shareholders

At incorporation deed of 14-01-2020 ↗

Network & group

No group

StepChange has no parent and no holdings in its annual accounts. van Wijck Laetitia is the only director. StepChange shares no director with another company.

At the same address

Sint Michielswarande 30B, 1040 Etterbeek · 60 other companies
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turnover €314.8m (2024)
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ROLLIT PAYROLL
establishment since 16-07-2026 · founded in 2019
617 FTE (2025)
0728.514.639
EUROSOFT FINANCES
registered office since 05-12-1988 · founded in 1988
total assets €16.4m (2025)
0436.035.190
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registered office since 11-01-2019 · founded in 2019
3.3 FTE (2025)
0718.594.509
DATA INNOVATIONS EUROPE
establishment since 07-04-2003 · founded in 1999
17 FTE (2025)
0468.339.457
Alix
registered office since 27-02-2019 · founded in 2019
total assets €2.5m (2025)
0721.620.513
SOCIETE IMMOBILIERE DU TUMULUS
registered office since 06-11-2020 · founded in 2020 · negative equity (2025)
total assets €2.4m (2025)
0757.884.754
WOORANK
registered office since 23-06-2015 · founded in 2015 · negative equity (2025)
3 FTE (2025)
0632.659.338
Ether Energy
registered office since 04-06-2020 · founded in 2020
5.4 FTE (2025)
0747.877.918
SOCIETE IMMOBILIERE DU BEGUINAGE
registered office since 08-10-2003 · founded in 2003
total assets €1.7m (2025)
0860.926.864
and 50 more

Timeline

Timeline

12 events since 2020

Deadline for the 2026 accounts: 31-07-2027

2026
Annual accounts 2025 filed NBBmicro format · 35 days before the deadline
2025
Back to profit net €15,891 The net result is €15,891, after one loss-making year.
Registered in the Peppol Directory Reachable for e-invoices through 0208:0741421676
Annual accounts 2024 filed PDFmicro format · 17 days before the deadline
2024
Weakest financial year net -€11,419 The net result drops to -€11,419, the lowest from 2021 to 2025. It recovers the following year.
Annual accounts 2023 filed PDFmicro format · 76 days before the deadline
2023
Back to profit net €21,477 The net result is €21,477, after 2 loss-making years.
Annual accounts 2022 filed PDFmicro format · 25 days late
2022
Annual accounts 2021 filed PDFmicro format · 38 days before the deadline
2021
Resignation: Marchant Arlane (managing director)General meeting of 30-06-20212 points ▸
  • General meeting, 30-06-2021
  • Director resignation, Marchant Arlane (managing director)
  • The deed holds 1 more point.

Open the deed in the Belgian Official Gazette

2020
IncorporationFounding 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 14-01-20207 points ▸

Open the deed in the Belgian Official Gazette

First establishment Sint Michielswarande 30/B, Etterbeek

Financial milestones sit on the financial year-end date, not the filing date.

Sources: Publications in the Belgian Official GazetteFilings with the National Bank

History

On 10 January 2020, StepChange was incorporated as a private limited company by two natural persons, with a starting capital of €25,000.12 Van Wijck Laetitia has served as director since 2020.3 Total assets went from €29,771 in 2021 to €72,320 in 2025.4

  1. 1KBO register
  2. 2Belgian Official Gazette, 14-01-2020
  3. 3National Bank, annual accounts 2025
  4. 4National Bank, annual accounts 2021 and 2025

Company details

Identity

Enterprise number
0741.421.676
VAT number
BE 0741.421.676
Peppol ID
0208:0741421676
Other Peppol ID
9925:BE0741421676
Legal form
Private limited company
Status
Active, normal situation
Founded
10-01-2020
Financial year
ends on 31 December
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
First Thursday of June at 10:00
deed of 14-01-2020 (in French)
Peppol
Reachable since 12-11-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
Name
StepChange in French
Entity type
Legal entity
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 14-01-2020 (in French)

Activities

NACEBEL 2025
Codes under NACEBEL 2008
82990 Other business support services main activity
58110 Publishing activities
70220 Business consulting
PurposeThe purpose describes the activities the company may carry out under its articles.
“Toutes activités et toutes prestations de coaching individuel et collectif aux particuliers et en entreprises; L'organisation et l'animation…”
7 activities
  1. Toutes activités et toutes prestations de coaching individuel et collectif aux particuliers et en entreprises
  2. L'organisation et l'animation de conférences, de séminaires et de cycles de formation
  3. Toute activité qui couvre le secteur de la consultance, et notamment toute contribution au développement professionnel des particuliers et à l'établissement et au développement d'entreprises et en particulier de dispenser des avis techniques, commerciaux ou administratifs dans le sens le plus large du terme, à l'exception des conseils d’investissements au sens de la loi du 02 août 2002 relative à la surveillance du secteur financier et aux services financiers, fournir des conseils, son assistance et exécuter des services directement ou indirectement sur le plan de l'administration et des finances, de la vente, de la production, des techniques d’organisation et de distributions commerciales, et plus généralement de la gestion en général et de l’exercice de toutes activités de services et de management au sens le plus large de ces termes à toutes personnes physiques ou morales quelconques; exécuter tous mandats sous forme d'études d'organisation, d'expertises, d'actes et de conseils techniques ou autres dans tout domaine rentrant dans son objet
  4. Toutes activités relatives à la création, l’organisation, la promotion, production et la gestion d’événements, d’animations ou manifestations en tout genre, et notamment de congrès, de séminaires, de conférences, de spectacle, de voyages d'étude et de séjours culturels ainsi que toutes activités commerciales et administratives en rapport avec ces activités
  5. L'édition sous toutes ses formes ainsi que la vente, l’achat, la promotion, la représentation, l'importation, l'exportation, la diffusion et le négoce de journaux, de revues, de périodiques, cd-roms et autres articles informatiques et de toutes autres publications, de tout autres articles et fournitures imprimés, informatiques ou analogues, notamment la diffusion et l’édition de tous moyens multimédias généralement quelconques, dont internet
  6. La création, le développement et la distribution de logiciels de coaching et de formation
  7. Le commerce sous toutes ses formes et notamment l'importation, l'exportation, l'achat et la vente en gros ou au détail, la représentation et le courtage, ainsi que la fabrication, la transformation et le transport de toutes marchandises et de tous produits
deed of 14-01-2020 (in French)

Registered office and establishments

1 establishment
Establishment Since Unit number
Sint Michielswarande 30/B registered office 1040 Etterbeek 10-01-2020 2.298.101.729

Location

registered office establishment approximate The establishment unit on the map
60 companies at this address See who is registered here