Financials
- Fiscal year
- 2025
- Total assets
- €81,585
- Profit
- €20,140
- Solvency
- 86.7%
Total assets▲ 12.2%
Net result
20232025
GUERMAN JULIE
ActiveSummary
GUERMAN JULIE has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €70,720 and a net result of €20,140. Equity is growing by ~40.4% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.4% (very low).
Overview
Activity
Activity not known1 site
Size
€81,585total assets 2025
- Equity
- €70,720
- Profit
- €20,140
Turnover not published (abridged schema)
Structure
Accounts 21 d early0 of 1 deed read
Why 88- No main activity registered- Founded in 2022+ Liquidity: current ratio 7.41, cash €65,878+ Equity €70,720 (86.7% of total assets)Show the evidence
Checked score
Score 2025
88
/ 100
Excellent
Probability in this band: under 0.55%
Better than 84% of its sector peers (no NACE code, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Strong
Solvency
100+5
equity 86.7% of total assets
Liquidity
98+11
short-term debt 13.2% · cash 80.7%
Profitability
100=
return on assets 24.7%
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
About 4 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 9 months
02-2026: 0.5%
03-2026: 0.5%▲ +6.4% vs 02-2026
04-2026: 0.6%▲ +4.3% vs 03-2026
05-2026: 0.6%▲ +5.8% vs 04-2026
06-2026: 0.6%▲ +1.7% vs 05-2026
07-2026: 0.7%▲ +12.4% vs 06-2026highest value
08-2026: 0.4%▼ -43.4% vs 07-2026lowest value
09-2026: 0.4%● 0.0% vs 08-2026lowest value
10-2026: 0.4%▲ +2.1% vs 09-2026
- Liquidity: current ratio 7.41, cash €65,878 lowers the probability
- No main activity registered raises the probability
- Founded in 2022 raises the probability for this profile
- Equity €70,720 (86.7% of total assets) lowers the probability
Credit up to €6,000 at 30 days acceptable
Liquidity ample (current ratio 7.41 against 3.2 in 2024; short-term debt: 13.2% and cash: 80.7% of total assets), and 13.3% of the assets are financed with debt.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 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% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (no NACE code, micro). Better than this share of them on solvency 81%, liquidity 89%, profitability 80%, growth against the median 84%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 10-07-2026, 21 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
21 d early
2024
29 d early
2023
5 d late
← before the deadline
after the deadline →
tick = median of all Belgian filings
This company filed its last 3 accounts on average 15 days before the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. Usually files around 10 July (3 of the last 3 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
02-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Weakest financial yearnet €20,140 ▼3%
- Liquidity doublescurrent ratio 7.41
Key points
By topic
Timeline
- Events
- 5
- Since
- 2024
- Next accounts
- by 31-07-2027
- 10-07-2026Annual accounts filed
- 31-12-2025Weakest financial year
- 31-12-2025Liquidity doubles
Company details
- Sites
- 1
- Legal form
- Private limited company
- Founded
- 08-09-2022
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What other support did companies like this one receive, and it did not?Subsidies How does this company compare with its sector?Sector benchmark
Your own company? See how customers, suppliers and banks see it and what to improve first.
Investigating this company? Keep it with today's facts in a case file.