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Personal service activities

NACE 96099 · division 96 Personal services
Current registrations 5,312division 96: 70,745
Starters, 12 months 7,488division 96 · 10.6 per 100 · Belgium 7.5
Bankruptcies, 5 years 190.36% of the registrations · Belgium 1.61%
Employment (FTE) 88,431division 96 · financial year 2025
Median age 7.2 yearsdivision 96 · Belgium 10.7 years

Filed accounts of the division

NACE division 96 · financial year 2025 · 8,142 filed annual accounts
Median solvency
28.3%
Belgium 46.2%
Median net result
€3,588
Belgium €16,569
Median equity
€22,623
Belgium €98,595
Loss-making
34.5%
Belgium 26.7%
Negative equity
27.1%
Belgium 12.4%
Median return on equity
14.5%
Belgium 16.0%
Median liquidity
1.10
Belgium 1.66

Staff cost per FTE in NACE division 96

858 employers
Median
€39,600
Belgium €61,400
Middle half
€34,100 to €51,400
half of the employers lie between
Place among sectors
76 of 78
sectors with a median staff cost per FTE, highest first
By size class
SizeMedianMiddle halfEmployers
fewer than 10 FTE €44,100 €35,000 to €56,500 452
10 to 49 FTE €37,700 €33,900 to €46,700 262
50 to 249 FTE €36,400 €33,100 to €40,200 127

Bankruptcies

Bankruptcies, 12 months
251
division 96 · 3.5 per 1,000 registrations · Belgium 5.5

Recent bankruptcies

Date Company
14-10-2026 Afon
BE 0801.734.494
10-04-2026 NILY LIMOUSINE SERVICE
BE 0694.645.902
29-01-2026 Comfort Coaching
BE 0760.923.131
18-12-2025 DI RENZO
BE 0678.493.818
18-11-2025 Beaufayt, Frédéric
BE 0793.246.697 · sole trader · Spa
10-11-2025 MELPRO
BE 0820.520.723
20-10-2025 Be Close Protection Partners
BE 0544.776.051
08-10-2025 Derycke, Geraldine
BE 1013.183.212 · sole trader · Waregem

Every bankruptcy in division 96, last 90 days

Running bankruptcies in the sector

NACE division 96
Number
388
Half have run longer than
16 months
Belgium: 20 months
Longer than three years
24%
Belgium: 31%

Measured nationally: Of 108,424 bankruptcies of legal entities across Belgium, 49% were closed within five years for insufficient assets and 28% after liquidation, 3% were withdrawn. After five years, 20% were still open. Half had ended after 26 months (a quarter after 15, three quarters after 51 months).

This counts companies with this main activity in the register on 2 November 2026. The outcome itself is not measured by sector. The activity of a company that leaves the register after its bankruptcy is too often not kept to compare closed cases fairly.

Outcome by court and division

Spread across the country

by region and province · 1,014 of 5,312 enterprises with a registered office on file
  • Flanders 655 · 64.6%
  • Wallonia 188 · 18.5%
  • Brussels 169 · 16.7%
  • Unknown 2 · 0.2%
fewer moremax 217

Largest employers

NACE division 96 · staff from the latest accounts
  1. 1 Diensten-aan-HuisBruges 3,079 FTEfinancial year 2025
  2. 2 FERM DIENSTENCHEQUESLeuven 975 FTEfinancial year 2025
  3. 3 Ferm HuishoudhulpLeuven 718 FTEfinancial year 2025
  4. 4 Group-f DienstenchequesKontich 616 FTEfinancial year 2025
  5. 5 CleanLeaseBeernem 531 FTEfinancial year 2025

10 of the 12,498 companies in NACE division 96 have a parent company abroad. Main parent countries: Luxembourg (3), Germany (2) and France (2). Together they employ 707 of the division's 33,093 FTE: 2.1%, against 15% for Belgium as a whole.

Subsidies in this sector

per register · legal entities with an enterprise number
  • Flemish subsidies €1.95bn awarded 2,099 recipients · 2022 to 2025 · largest: Dienstencheques
  • Federal transfers 46.35bn amount as published 13 recipients · 2023 to 2025 · largest: Pensioenen overheidssector
  • Wallonia-Brussels Federation €4.9m paid 10 recipients · 2021 to 2025 · largest: Subventions forfaitaires
  • EU budget €81.1m attributed share 14 recipients · 2021 to 2025 · largest: Programme for Environment and Climate Action
  • EU research €24.2m eu contribution 11 recipients · 2011 to 2026 · largest: Horizon Europe

Explore every recipient in this sector

Insights on Personal service activities

The number of starters per 100 companies in NACE division 96 is higher than that of 78% of the 87 NACE divisions with this figure.

This sector's historical share is lower than that of 78% of the 88 NACE divisions with this figure.

The median bankruptcy probability in NACE division 96 is 0.6%, against 0.2% for Belgium as a whole. It is computed over 11,605 scored companies.

The comparison with Belgium as a whole and with the other divisions is as of 01-11-2026 05:30.

Method and sources

Every company registered today counts under its main activities in the KBO. Establishment units do not count. The count follows the NACE 2008 classification, the version in which code 96099 exists.

The historical share is the share of current registrations for which a bankruptcy opening was published in the past five years. A company with more than one main activity counts in each of those sectors. The historical share is not a future bankruptcy probability.

The comparison with Belgium as a whole and with the other NACE divisions rests on an overview of every division, counted again each night. Each division is counted in the version of the NACE classification in which it exists. A standing such as "higher than 80%" compares with the other divisions that have the figure. A division's bankruptcy probability is the median over its companies with a score. Their number is given with the figure.

The filed-accounts figures cover the whole NACE division 96, not only NACE 96099. There are too few filed annual accounts per five-digit code to compute them separately. Each median is the value of the middle company, computed over the division's annual accounts of financial year 2025, and is shown only from 30 accounts. A share (loss-making, negative equity) counts that year's accounts with that trait.