Talk with Lumi.
Your free, confidential AI companion through bankruptcy and business closure. When everything feels too heavy, start with a single message.
Hi, I'm Lumi. I help self-employed people in Belgium understand bankruptcy and business closure, one step at a time. Tell me a bit about your situation, in your own words. Nothing you say here is judged, and it stays between us.
Lumi gives general information to help you get oriented. It is not legal, accounting or medical advice. If you are in distress, you are not alone, call 081 77 71 50 (free, confidential).
Describe your situation
In your own words, no forms, no jargon. Lumi listens and asks what it needs to understand.
Get clear answers
Plain-language guidance on the bankruptcy process and your next steps, available any time, for free.
Reach a human when it matters
When a case is complex or heavy, Lumi connects you with a First Lights volunteer who has been there.
You don't have to figure this out alone.
Lumi gives general orientation, not legal advice. For anything binding, it points you to the right people, and a volunteer can take it from there.
- The stages of closing a business or going bankrupt in Belgium
- Recovering your social rights and the bridge right (droit passerelle)
- What happens to your home, your debts and your assets
- Where to find healthcare and psychological support