JOULY
ActiveSummary
JOULY has been active since 2022 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€37,046) and a net result of -€35,881. Equity fluctuates too strongly from year to year to read a trend from it. Its solvency ranks better than 5% of 8,586 sector peers (NACE 73, financial year 2025). The computed 12-month bankruptcy probability is 1.4% (low).
Overview
Overview
Official details
Source: KBO- Status
- Active since 09-02-2022 Normal situation
- Activity
- Public relations and communication consultancy NACE 73300and 5 others
- Establishment unit
- 2.327.878.848 4000 Liège, since 09-02-2022
- Financial year end
- 31 December
- Peppol
- Reachable since 02-01-2026
Financial position
- Bankruptcy probabilitywithin 12 months
- 1.4%
- Turnover
- €37,434
- ▼ 58.3%
- Loss
- €35,881
- ▲ 784%
- Equity
- -€37,046
- ▼ 3,079%
- Total assets
- €10,646
- ▼ 65.5%
- Staff
- 1.3 FTE
- =
- Negative equity on 31-12-2025
Score breakdownraises riskCapped at 59: negative equityNegative equity -€37,046Loss of €35,881, the second in a row (financial year 2025)lowers riskSize: turnover €37,434, total assets €10,646Sector: Advertising, market research and public relations activities (NACE 73)Show the evidence
Checked score
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 73, micro). It does better than 5% of them on solvency, 11% on liquidity, 6% on profitability and 4% on growth.
The bankruptcy probability was computed on 04-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
The company filed its last 4 accounts on average 35 days after the deadline. In the sector (NACE 73), the median for financial year 2024 was 6 days before the deadline, and 36% of those companies filed late.
Searched, nothing found (2)
Financials
Financials · financial year 2025, micro format
Annual accounts 2025 filed on 30-06-2026 at the NBB all 4 filings
Every figure per financial year
The operating result for 2025 is a loss of €32,816, larger than the loss of €2,040 in 2024. It is the lowest result since 2022.
Staff
| Item | 31-12-2022 | 31-12-2023 | 31-12-2024 | 31-12-2025 |
|---|---|---|---|---|
| Employees at the balance-sheet date | 2 | - | - | - |
| part-time | 2 | - | - | - |
| in full-time equivalents | 1.1 | - | - | - |
| Average over the year, in full-time equivalents | 0.4 | 0.6 | 0.6 | 0.6 |
| Joined | 3 | 6 | 6 | 6 |
| Left | 1 | 8 | 8 | 8 |
Source: social balance sheet in the 2022 to 2025 annual accounts
Investments
| Item | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Tangible fixed assets | €454 | €5,262 | €2,538 | €2,434 |
| Depreciation and write-downs of the year | €320 | €1,516 | €1,956 | €2,678 |
Source: notes to the 2022 to 2025 annual accounts (statement of fixed assets)
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Turnover70 | €60,275 | €117,457 | €89,750 | €37,434 | ▼ 58.3% |
| Non-recurring operating income76A | - | - | €29 | - | - |
| Goods, raw materials, services and sundry goods60/61 | €36,160 | €84,227 | €84,566 | €69,891 | ▼ 17.4% |
| Remuneration, social security and pensions62 | €9,856 | €11,671 | €8,512 | €6,011 | ▼ 29.4% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €320 | €1,516 | €1,956 | €2,678 | ▲ 36.9% |
| Other operating charges640/8 | - | €350 | €276 | €263 | ▼ 4.9% |
| Non-recurring operating charges66A | €745 | - | €3,794 | - | - |
| Gross operating margin9900 | €24,115 | €36,773 | €12,499 | -€23,865 | - |
| Operating profit (loss)9901 | €13,193 | €23,236 | -€2,040 | -€32,816 | ▼ 1,508% |
| Financial income75/76B | - | €0 | €19 | €89 | ▲ 378% |
| Recurring financial income75 | - | €0 | €19 | €89 | ▲ 378% |
| Financial charges65/66B | €41 | €278 | €1,754 | €2,927 | ▲ 66.9% |
| Recurring financial charges65 | €41 | €278 | €1,754 | €2,927 | ▲ 66.9% |
| Profit (loss) for the period before taxes9903 | €13,152 | €22,958 | -€3,776 | -€35,655 | ▼ 844% |
| Income taxes67/77 | €2,940 | €4,762 | €281 | €226 | ▼ 19.8% |
| Profit (loss) for the period9904 | €10,212 | €18,196 | -€4,058 | -€35,881 | ▼ 784% |
| Profit (loss) for the period to be appropriated9905 | €10,212 | €18,196 | -€4,058 | -€35,881 | ▼ 784% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €36,869 | €53,340 | €30,860 | €10,646 | ▼ 65.5% |
| Formation expenses20 | €1,452 | €1,099 | €745 | €391 | ▼ 47.5% |
| Fixed assets21/28 | €449 | €4,549 | €4,965 | €5,074 | ▲ 2.2% |
| Tangible fixed assets22/27 | €449 | €4,549 | €4,965 | €5,074 | ▲ 2.2% |
| Plant, machinery and equipment23 | €449 | €878 | €268 | €177 | ▼ 33.9% |
| Furniture and vehicles24 | - | €3,671 | €4,697 | €4,897 | ▲ 4.3% |
| Current assets29/58 | €34,967 | €47,693 | €25,150 | €5,181 | ▼ 79.4% |
| Amounts receivable within one year40/41 | €18,004 | €43,910 | €16,563 | €3,504 | ▼ 78.8% |
| Trade receivables40 | €17,267 | €43,910 | €10,768 | €3,377 | ▼ 68.6% |
| Other amounts receivable41 | €736 | - | €5,795 | €127 | ▼ 97.8% |
| Cash at bank and in hand54/58 | €16,564 | €3,595 | €8,162 | €1,677 | ▼ 79.5% |
| Deferred charges and accrued income490/1 | €399 | €188 | €425 | €0 | ▼ 100% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €36,869 | €53,340 | €30,860 | €10,646 | ▼ 65.5% |
| Equity10/15 | €13,212 | €31,408 | -€1,165 | -€37,046 | ▼ 3,079% |
| Contributions10/11 | €3,000 | €3,000 | €3,000 | €3,000 | = |
| Profit (loss) carried forward14 | €10,212 | €28,408 | -€4,165 | -€40,046 | ▼ 861% |
| Amounts payable17/49 | €23,657 | €21,933 | €32,025 | €47,692 | ▲ 48.9% |
| Amounts payable within one year42/48 | €11,655 | €21,394 | €27,902 | €46,211 | ▲ 65.6% |
| Trade debts44 | €3,984 | €0 | €3,654 | €1,817 | ▼ 50.3% |
| Suppliers440/4 | €3,984 | - | €3,654 | €1,817 | ▼ 50.3% |
| Taxes, remuneration and social security45 | €5,627 | €19,072 | €1,156 | €226 | ▼ 80.5% |
| Taxes450/3 | €5,477 | €17,899 | €1,156 | €226 | ▼ 80.5% |
| Remuneration and social security454/9 | €149 | €1,174 | - | - | - |
| Other amounts payable47/48 | €2,044 | €2,321 | €23,092 | €44,168 | ▲ 91.3% |
| Accrued charges and deferred income492/3 | €12,002 | €539 | €4,123 | €1,481 | ▼ 64.1% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €10,212 | €18,196 | -€4,058 | -€35,881 | ▼ 784% |
| + Depreciation and write-downs630 | €320 | €1,516 | €1,956 | €2,678 | ▲ 36.9% |
| Operating cash flow (approximation) | €10,532 | €19,712 | -€2,101 | -€33,203 | ▼ 1,480% |
| Investment in fixed assets (approximation) | - | -€5,615 | -€2,372 | -€2,787 | ▼ 17.5% |
| Change in cash | - | -€12,969 | €4,566 | -€6,485 | - |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Historical observation
In July 2024, 7,639 companies had the same profile as JOULY has now. Two years later, 84.8% were still going and 8.8% had gone bankrupt.
- Micro
- 2 to 5 years old
- negative equity
- a loss of 10% of the balance sheet or more
Another 0.7% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of JOULY itself is lower: 1.4% within 12 months. It rests on far more data about JOULY than the profile alone.
Test of the method
The method was tested on the 497,446 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 7,639 companies, not a prediction for JOULY. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Board & ownership
Directors
Owners and capital
Shareholders
- HAJJI Zouhour 100 shares · 100%
- HAJJI Zouhour all shares
- HAJJI Zouhour sole founder · 100% at incorporation
Capital transactions
- 11-02-2022 Incorporation · €3,000 · 100 shares
Articles of association
Board and representation
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- At least 1 director
Capital, shares and profit
- Transfer restrictionThis rule says whether shareholders may sell their shares freely or need approval first.
- “Moitié cédant,moitié acquéreurs au prorata si plusieurs, mêmes formalités si non actionnaires de plein droit”
Audit, dissolution and liquidation
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor
Articles of association, deed of 11-02-2022 (in French)
Network & group
JOULY shares no director with another company.
Companies at the same address
5 other companiesConnections & network
1 current directorThe network starts from the directors of JOULY. Every other company they run is a node.
Timeline
Acts, filings and financial milestones
01-04
Gazette deed
Registered office moved from Liège to GrivegnéeNew seat: Rue du fourneau 136 à 4030 Grivegnée · Previous seat: Rue de Rotterdam, 23 à 4000 Liège · HAJJI Zouhour holds 100 shares (100%)4 points ▸
- General meeting, 05-03-2026
- HAJJI Zouhour holds 100 shares (100%)
- Director in office, HAJJI Zouhour (director)
- Registered-office move, Rue du fourneau 136 à 4030 Grivegnée
04-09
Gazette deed
Company renamed from YOUPY HOSTING to JoulyRegistered office moved within Liège · New seat: Rue de Rotterdam 23, 4000 Liège · Previous seat: RUE DU VIEUX-MAYEUR 51, 4000 LIEGE5 points ▸
- General meeting, 18-08-2023
- HAJJI Zouhour holds all the shares
- Name change, Jouly, mentioned 2 times in the deed
- Registered-office move, Rue Rotterdam 23, 4000 Liège
- Registered-office move, Rue de Rotterdam 23, 4000 Liège
- The act holds 2 more points.
11-02
Gazette deed
IncorporationStarting capital €3,000 · Appointment: HAJJI Zouhour (director) · Founder: HAJJI Zouhour · Founding capital €3,000, 100 shares6 points ▸
- Incorporation, 26-01-2022
- Founder, HAJJI Zouhour
- Founding capital, €3,000, 100 shares
- Registered office clause, rue du Vieux Mayeur 51, 4000 Liège
- Board rule, 1
- Director appointment, HAJJI Zouhour (director (not named in the articles))
- The act holds 1 more point.
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
JOULY was incorporated on 9 February 2022 as a private limited company by one natural person, with a starting capital of €3,000.12 Since 2023 the company has been called Jouly.3 The registered office moved to Liège in 2023 and to Grivegnée in 2026.34 HAJJI Zouhour is director of the company, appointed in the act of 11-02-2022.2 Turnover fell from €60,275 in 2022 to €37,434 in 2025 and headcount from 0.9 to 1.3 full-time equivalents.5
Company details
Register details
Identity
KBO recordRegistered office and establishments
Activities
NACEBEL 2025Codes under NACEBEL 2008
9 activities
- La mise en relation entre des propriétaires de biens immobiliers et des prestataires de service pour la réalisation d'une prestation de service de conciergerie par l'intermédiaire d'un site internet ;
- Toutes prestations liées à la création,au développement,à la commercialisation et à la founiture de service à la personne dans tous domaines d'activités permettant notamment de faciliter la location de biens immobiliers.
- Le conseil,la consultance et la prestation de tous services dans le cadre de l’aménagement intérieur et de la mise en valeur d’un immeuble,notamment par la décoration et l’ameublement ;
- La conception,la création,la mise en valeur et la commercialisation d'outils de communication marketing ;
- Toutes opérations de relations commerciales servant de liens entre les annonceurs et les utilisateurs d'internet dans tous les domaines et sous toutes les formes ;
- La location de tous biens,notamment en vue de les sous-louer ;
- L'organisation,la promotion,la vente de séminaires,événements,formations se rattachant directement ou indirectement aux objets cités ci-dessus ;
- La prise d'intérêts et de participations directement ou indirectement dans toutes entreprises similaires ou complémentaires par voie de création,d'acquisition,de souscription,de location de tous fonds de commerce ou établissement ;
- La société pourra prendre la direction et le contrôle en sa qualité d'Administrateur ou autrement d'autres sociétés et leur prodiguer des avis.
Invoicing and payment
Financial year and general meeting
Accounts at the NBBSites & property
Buildings and parcels at the addresses
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 62047C1182/00D004 | Wallonia | 1,643 m² | 1 · 257 m² | 9.4 m · 2 |
| 62805B0315/00N009 | Wallonia | 1,384 m² | 1 · 183 m² | 20.7 m · 6 |