The procedure
The stages of closing a business or going bankrupt in Belgium, in the order they actually happen.
Program · Second chance
The paperwork of failure, made clear.
Lumi, a free and confidential AI companion for self-employed people in Belgium facing bankruptcy or closing their business, with a human volunteer when it matters.
What it is
Start with one message.
Closing a business in Belgium means procedures, deadlines and rights that nobody explains at the moment you can least take them in.
You describe your situation in your own words, at any hour, and Lumi answers in plain language, one step at a time. When a case is complex or heavy, it hands you to a First Lights volunteer who has been through it.
- Cost
- Free and confidential
- Available
- Any time, no forms
- Limits
- General orientation, not legal advice
What it helps with
The questions you cannot ask anyone else.
Your rights and your debts
Recovering your social rights and the bridge right, and what happens to your home, your debts and your assets.
Support beyond the paperwork
Where to find healthcare and psychological support, and a volunteer to take over when the case needs a person.
In their words
The people who lived it.
Pulse is collecting testimonials for this program. They belong here, and nothing is written in their place: a quote nobody said is worse than an empty space.
Next step
You do not have to figure this out alone.
Lumi is on this site. Nothing you write is shared, and there is no form to fill in first.
