Jool Create
ActiveSummary
Jool Create has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€125,125) and a net result of €9,553. Equity remains stable across the filed fiscal years (±1.8% per year). Its solvency ranks better than 5% of 31896 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability98▼-2
Solvency0=
Growth58=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.11 against 0.14 in 2024; short-term debt: 410.1% and cash: 4.6% of total assets), and equity is negative.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-310.1%
Return on assets
23.7%
Age of the figures
12 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 31896 sector peers (2025).
NBB · sector comparisonPosition among 31896 sector peers
Solvency
better than 5%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 29-04-2026, 1 day ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
1 d early
2024
14 d early
2023
4 d early
2022
10 d late
2021
30 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 4 days after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
27-09-2026 today30-09-2026 close30-04-2027 deadline
History
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Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Equity
-€125,125▲ 7.1%
2024 · -€134,678
Total assets
€40,347▼ 23.5%
2024 · €52,733
Net result
€9,553▼ 47.9%
2024 · €18,340
Working capital
-€147,905▲ 7.9%
2024 · -€160,561
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€98,407--€52,835▲ 46.3%-€2,729▲ 94.8%€18,514€9,777▼ 47.2%
Net result-€99,773below the sector's middle half--€52,878below the sector's middle half▲ 47.0%-€2,867below the sector's middle half▲ 94.6%€18,340within the sector's middle half€9,553within the sector's middle half▼ 47.9%
Equity-€97,273below the sector's middle half--€150,151below the sector's middle half▼ 54.4%-€153,018below the sector's middle half▼ 1.9%-€134,678below the sector's middle half▲ 12.0%-€125,125below the sector's middle half▲ 7.1%
Total assets€45,260below the sector's middle half-€38,291below the sector's middle half▼ 15.4%€48,074below the sector's middle half▲ 25.5%€52,733below the sector's middle half▲ 9.7%€40,347below the sector's middle half▼ 23.5%
Debt€142,533-€188,442▲ 32.2%€201,092▲ 6.7%€187,411▼ 6.8%€165,472▼ 11.7%
Working capital-€97,764--€150,345▼ 53.8%-€181,088▼ 20.4%-€160,561▲ 11.3%-€147,905▲ 7.9%
Solvency-214.9%below the sector's middle half--392.1%below the sector's middle half▼ 177.2pp-318.3%below the sector's middle half▲ 73.8pp-255.4%below the sector's middle half▲ 62.9pp-310.1%below the sector's middle half▼ 54.7pp
above
within
below
the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 47% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €40,347
Fixed assets
€22,780 ▼ 12.0%
Current assets
€17,567 ▼ 34.6%
Key figures and ratios
EBITDA
€13,180▼
2024 · €21,718
Cash flow
€12,956▼
2024 · €21,544
Current ratio
0.11▼
2024 · 0.14
Debt to equity
-1.32▲
2024 · -1.39
ROA
23.7%▼
2024 · 34.8%
Interest coverage
37.23▼
2024 · 113.71
Debt ≤ 1 year
€165,472▼
2024 · €187,411
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 2,176 companies that looked in July 2024 the way this one looks now, 4.3% went bankrupt within 24 months and 89% are still going.
- Micro
- 5 to 10 years old
- negative equity
- a profit of 5% of the balance sheet or more
4.3%
went bankrupt
5.6%
stopped otherwise
89%
still going
A further 1.5% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 0.6% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 2,176 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €399 | €297 | €2,124 | €3,204 | €3,403 | ▲ 6.2% |
| Other operating charges640/8 | €373 | - | €428 | €3,337 | €419 | ▼ 87.4% |
| Gross operating margin9900 | -€97,635 | -€52,538 | -€177 | €25,055 | €13,599 | ▼ 45.7% |
| Operating profit (loss)9901 | -€98,407 | -€52,835 | -€2,729 | €18,514 | €9,777 | ▼ 47.2% |
| Financial income75/76B | €50 | €125 | - | €17 | €130 | ▲ 665% |
| Recurring financial income75 | €50 | €125 | - | €17 | €130 | ▲ 665% |
| Financial charges65/66B | €1,416 | €168 | €138 | €191 | €354 | ▲ 85.3% |
| Recurring financial charges65 | €1,416 | €168 | €138 | €191 | €354 | ▲ 85.3% |
| Profit (loss) for the period before taxes9903 | -€99,773 | -€52,878 | -€2,867 | €18,340 | €9,553 | ▼ 47.9% |
| Profit (loss) for the period9904 | -€99,773 | -€52,878 | -€2,867 | €18,340 | €9,553 | ▼ 47.9% |
| Profit (loss) for the period to be appropriated9905 | -€99,773 | -€52,878 | -€2,867 | €18,340 | €9,553 | ▼ 47.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €45,260 | €38,291 | €48,074 | €52,733 | €40,347 | ▼ 23.5% |
| Fixed assets21/28 | €491 | €194 | €28,070 | €25,883 | €22,780 | ▼ 12.0% |
| Tangible fixed assets22/27 | €491 | €194 | €28,070 | €25,883 | €22,780 | ▼ 12.0% |
| Furniture and vehicles24 | €491 | €194 | €10 | €823 | €720 | ▼ 12.5% |
| Other tangible fixed assets26 | - | - | €28,060 | €25,060 | €22,060 | ▼ 12.0% |
| Current assets29/58 | €44,769 | €38,097 | €20,004 | €26,850 | €17,567 | ▼ 34.6% |
| Amounts receivable within one year40/41 | €36,049 | €27,131 | €19,267 | €25,664 | €15,726 | ▼ 38.7% |
| Trade receivables40 | €36,049 | €25,824 | €16,974 | €25,664 | €15,726 | ▼ 38.7% |
| Other amounts receivable41 | - | €1,307 | €2,293 | - | - | - |
| Cash at bank and in hand54/58 | €8,720 | €10,966 | €737 | €1,186 | €1,841 | ▲ 55.2% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €45,260 | €38,291 | €48,074 | €52,733 | €40,347 | ▼ 23.5% |
| Equity10/15 | -€97,273 | -€150,151 | -€153,018 | -€134,678 | -€125,125 | ▲ 7.1% |
| Contributions10/11 | €2,500 | €2,500 | €2,500 | €2,500 | €2,500 | = |
| Profit (loss) carried forward14 | -€99,773 | -€152,651 | -€155,518 | -€137,178 | -€127,625 | ▲ 7.0% |
| Amounts payable17/49 | €142,533 | €188,442 | €201,092 | €187,411 | €165,472 | ▼ 11.7% |
| Amounts payable within one year42/48 | €142,533 | €188,442 | €201,092 | €187,411 | €165,472 | ▼ 11.7% |
| Trade debts44 | - | €9,736 | €2,524 | €3,327 | €2,478 | ▼ 25.5% |
| Suppliers440/4 | - | €9,736 | €2,524 | €3,327 | €2,478 | ▼ 25.5% |
| Taxes, remuneration and social security45 | €9,222 | - | - | €1,036 | €6,551 | ▲ 532% |
| Taxes450/3 | €9,222 | - | - | €1,036 | €6,551 | ▲ 532% |
| Other amounts payable47/48 | €133,311 | €178,706 | €198,568 | €183,048 | €156,443 | ▼ 14.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€99,773 | -€52,878 | -€2,867 | €18,340 | €9,553 | ▼ 47.9% |
| + Depreciation and write-downs630 | €399 | €297 | €2,124 | €3,204 | €3,403 | ▲ 6.2% |
| Operating cash flow (approximation) | -€99,374 | -€52,581 | -€743 | €21,544 | €12,956 | ▼ 39.9% |
| Investment in fixed assets (approximation) | - | €0 | -€30,000 | -€1,017 | -€300 | ▲ 70.5% |
| Change in cash | - | €2,246 | -€10,229 | €449 | €655 | ▲ 45.9% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
29-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
16-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Back to profitnet €18,340
Net result €18,340 after 3 loss-making years.
26-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
10-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 10 days late
2022
30-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, La Hulpe · 1 establishment unit since 2019
Ground area
2,494 m²
Building footprint
185 m²
Volume, LiDAR
840 m³
Parcel 25050D0237/00P004, Wallonia · tallest building 6.0 m, ±2 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
Jool Create
since 20192.298.921.378
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25050D0237/00P004 | Wallonia | 2,494 m² | 1 · 185 m² | 6.0 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector and region
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BDB MANAGEMENT
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This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 82,642 companies in sector 70200 we hold annual accounts for 52,589. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded27-12-2019
Fiscal year end30-09
Abbreviation FR
J.C.
Activities, NACEBEL 2025
70200Business and other management consultancy
62900Other information technology and computer services
62100Computer programming
62200Computer consultancy and computer facilities management
63100Computing infrastructure, data processing, hosting and related activities
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
93199Other sports activities
E-invoicing
Reachable via Peppol
Peppol ID
0208:0740540065
Also
9925:BE0740540065
Registered
04-12-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.