Ju-ly
ActiveSummary
The computed 12-month bankruptcy probability of Ju-ly is 8.4% (elevated). For Ju-ly, at least two filing cycles of the annual accounts are missing. The 2023 annual accounts show equity of €48,377 and a net result of €55,485. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 24% of 33673 sector peers (fiscal year 2023). The company has been active since 2019 and the Belgian State Gazette contains no insolvency signals. The CBE does carry 1 administrative register entry (see administrative flags).
Checked score
No current score
Figures too old
The available figures for FY 2023 are too old to assess current financial health.
Bankruptcy probability: Elevated
Filing: At least two filing cycles are missing
Axes, FY 2023 · tick = 2022
Profitability50▲+24
Solvency47▲+24
Growth78▲+20
Track record92
Bankruptcy probability, 12 months
8.4%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit check for your own amount and term
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Signals
Eight signals. The signal on the left, the evidence on the right.
+raises risk
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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 2023Solvency, return and age of the figures
Solvency
21.6%
Return on assets
24.8%
Age of the figures
33 mo
raises risk · Two or more financial years not filed
Since the financial year that closed on 31-12-2024, 2 financial years are missing at the National Bank. A company this far behind goes bankrupt within the year nineteen times as often as a punctual filer.
NBB · 4 filingsPosition against the passed deadline
31-12-2024 close31-07-2025 deadline27-09-2026 today
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2023 was due by 31-07-2024 and was filed on 22-01-2026, 540 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 4 filingsDeviation from the deadline
2025
not confirmed
2024
not filed
2023
540 d late
2022
66 d late
2021
138 d late
2020
200 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 4 accounts on average 236 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.
raises risk · Administrative warnings in the KBO publications
1 publication by the FPS Economy about this company, such as a strike-off for address, accounts or UBO, or its withdrawal.
KBO publicationsPublications
Address struck
History
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 trust this company with building work?Contractor check 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?Public money
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Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2023, micro schema
Equity
€48,377
2022 · -€7,107
Total assets
€223,763▼ 35.9%
2022 · €349,178
Net result
€55,485
2022 · -€6,673
Working capital
€31,071
2022 · -€24,016
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 43, Specialised construction 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
Line2020202120222023
Operating result-€9,833-€13,765€749▼ 94.6%-€84,082
Net result-€11,877below the sector's middle half-€6,443within the sector's middle half-€6,673below the sector's middle half€55,485above the sector's middle half
Equity-€6,877below the sector's middle half--€435below the sector's middle half▲ 93.7%-€7,107below the sector's middle half▼ 1,535%€48,377within the sector's middle half
Total assets€240,041within the sector's middle half-€370,914above the sector's middle half▲ 54.5%€349,178above the sector's middle half▼ 5.9%€223,763within the sector's middle half▼ 35.9%
Debt€246,919-€371,349▲ 50.4%€356,285▼ 4.1%€175,386▼ 50.8%
Working capital-€26,551--€19,099▲ 28.1%-€24,016▼ 25.7%€31,071
Solvency-2.9%below the sector's middle half--0.1%below the sector's middle half▲ 2.7pp-2.0%below the sector's middle half▼ 1.9pp21.6%below the sector's middle half▲ 23.7pp
above
within
below
the middle half (P25 to P75) of NACE 43, Specialised construction 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 turns negative in 2023: a loss of €84,082 after €749 in 2022, the lowest result in the available series.
Balance-sheet composition
2023 in colour, 2022 as the grey bar beneath
Assets €223,763
Fixed assets
€20,444 ▼ 26.2%
Current assets
€203,319 ▼ 36.8%
Equity and liabilities €223,763
Equity
€48,377
Debt
€175,386
Debt finances 78.4% of the balance-sheet total.
Key figures and ratios
EBITDA
-€76,026▼
2022 · €8,994
Cash flow
€63,541▲
2022 · €1,573
Current ratio
1.18▲
2022 · 0.93
Quick ratio
0.10▲
2022 · 0.02
Debt to equity
3.63▲
2022 · -50.13
ROE
114.7%
ROA
24.8%▲
2022 · -1.9%
Interest coverage
-15.17▼
2022 · 1.21
Debt ≤ 1 year
€172,249▼
2022 · €345,511
Debt > 1 year
€3,137▼
2022 · €10,087
Income taxes
€11,611
Staff costs
€16
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | Change |
|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | - | €16 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €4,917 | €8,245 | €8,245 | €8,056 | ▼ 2.3% |
| Other operating charges640/8 | - | €752 | €10,583 | €1,535 | ▼ 85.5% |
| Gross operating margin9900 | -€4,584 | €22,763 | €19,577 | -€74,475 | ▼ 480% |
| Operating profit (loss)9901 | -€9,833 | €13,765 | €749 | -€84,082 | ▼ 11,331% |
| Financial income75/76B | - | €30 | €2 | €156,190 | ▲ 7,545,294% |
| Recurring financial income75 | €17 | €30 | €2 | €156,190 | ▲ 7,545,294% |
| Financial charges65/66B | - | €7,353 | €7,423 | €5,012 | ▼ 32.5% |
| Recurring financial charges65 | €2,060 | €7,353 | €7,423 | €5,012 | ▼ 32.5% |
| Profit (loss) for the period before taxes9903 | -€11,877 | €6,443 | -€6,673 | €67,095 | ▲ 1,106% |
| Income taxes67/77 | - | - | - | €11,611 | - |
| Profit (loss) for the period9904 | -€11,877 | €6,443 | -€6,673 | €55,485 | ▲ 932% |
| Profit (loss) for the period to be appropriated9905 | -€11,877 | €6,443 | -€6,673 | €55,485 | ▲ 932% |
| Line | 2020 | 2021 | 2022 | 2023 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €240,041 | €370,914 | €349,178 | €223,763 | ▼ 35.9% |
| Fixed assets21/28 | €43,890 | €35,929 | €27,683 | €20,444 | ▼ 26.2% |
| Tangible fixed assets22/27 | €35,490 | €27,529 | €19,283 | €12,044 | ▼ 37.5% |
| Plant, machinery and equipment23 | - | €389 | €105 | €10 | ▼ 90.2% |
| Furniture and vehicles24 | - | €27,140 | €19,178 | €12,033 | ▼ 37.3% |
| Financial fixed assets28 | €8,400 | €8,400 | €8,400 | €8,400 | = |
| Current assets29/58 | €196,152 | €334,986 | €321,494 | €203,319 | ▼ 36.8% |
| Stocks and contracts in progress3 | €179,148 | €290,394 | €314,562 | €185,752 | ▼ 40.9% |
| Stocks30/36 | - | €290,394 | €314,562 | €185,752 | ▼ 40.9% |
| Amounts receivable within one year40/41 | €12,792 | €44,060 | €6,685 | €5,097 | ▼ 23.7% |
| Trade receivables40 | - | €42,455 | €5,451 | €1,208 | ▼ 77.8% |
| Other amounts receivable41 | - | €1,605 | €1,234 | €3,890 | ▲ 215% |
| Cash at bank and in hand54/58 | €4,134 | €532 | €220 | €10,721 | ▲ 4,773% |
| Deferred charges and accrued income490/1 | - | - | €27 | €1,749 | ▲ 6,328% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €240,041 | €370,914 | €349,178 | €223,763 | ▼ 35.9% |
| Equity10/15 | -€6,877 | -€435 | -€7,107 | €48,377 | ▲ 781% |
| Contributions10/11 | - | €5,000 | €5,000 | €5,000 | = |
| Profit (loss) carried forward14 | -€11,877 | -€5,435 | -€12,107 | €43,377 | ▲ 458% |
| Amounts payable17/49 | €246,919 | €371,349 | €356,285 | €175,386 | ▼ 50.8% |
| Amounts payable after more than one year17 | €24,216 | €17,264 | €10,087 | €3,137 | ▼ 68.9% |
| Financial debts170/4 | - | €17,264 | €10,087 | €3,137 | ▼ 68.9% |
| Amounts payable within one year42/48 | €222,703 | €354,085 | €345,511 | €172,249 | ▼ 50.1% |
| Current portion of amounts payable after more than one year42 | - | €7,526 | €7,760 | €7,063 | ▼ 9.0% |
| Financial debts43 | - | €215,000 | €100,000 | €100,000 | = |
| Credit institutions430/8 | - | €215,000 | €100,000 | €100,000 | = |
| Trade debts44 | €15,284 | €39,280 | €1,081 | €15,607 | ▲ 1,344% |
| Suppliers440/4 | - | €39,280 | €1,081 | €15,607 | ▲ 1,344% |
| Taxes, remuneration and social security45 | - | €700 | €700 | €10,529 | ▲ 1,405% |
| Taxes450/3 | - | €700 | €700 | €10,529 | ▲ 1,405% |
| Other amounts payable47/48 | - | €91,579 | €235,970 | €39,049 | ▼ 83.5% |
| Accrued charges and deferred income492/3 | - | - | €687 | €0 | ▼ 100% |
| Line | 2020 | 2021 | 2022 | 2023 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€11,877 | €6,443 | -€6,673 | €55,485 | ▲ 932% |
| + Depreciation and write-downs630 | €4,917 | €8,245 | €8,245 | €8,056 | ▼ 2.3% |
| Operating cash flow (approximation) | -€6,961 | €14,688 | €1,573 | €63,541 | ▲ 3,940% |
| Investment in fixed assets (approximation) | - | -€284 | €0 | -€817 | - |
| Change in cash | - | -€3,602 | -€312 | €10,501 | ▲ 3,467% |
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
2026
20-07
KBO administration
Address struck
event 29-05-2026
22-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 540 days late
2023
31-12
Financial
Back to profitnet €55,485
Net result €55,485 after one loss-making year.
05-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 66 days late
2022
16-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 138 days late
16-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 200 days late
2021
31-12
Financial
Back to profitnet €6,443
Net result €6,443 after one loss-making year.
SignalFinancial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
2 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, Dendermonde · 1 establishment unit since 2019
Ground area
614 m²
Building footprint
146 m²
Volume, LiDAR
719 m³
Parcel 42001B0168/00P000, Flanders · tallest building 10.1 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Ju-ly
since 20192.298.477.455
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42001B0168/00P000 | Flanders | 614 m² | 1 · 146 m² | 10.1 m · 1 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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 798 EUR awarded · 798 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 798 EUR | 798 EUR |
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Of 20,025 companies in sector 43320 we hold annual accounts for 9,134. 7,376 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded25-11-2019
Fiscal year end31-12
Activities, NACEBEL 2025
43320Joinery installation
43350Other building finishing work
43990Other specialised construction activities
Contact
E-mail
baevegemnico@gmail.com
E-mail
info@ju-ly.be
E-invoicing
Reachable via Peppol
Peppol ID
0208:0738381222
Also
9925:BE0738381222
Registered
30-12-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.