JUAREL
ActiveSummary
JUAREL has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €252k and a net result of €26k. Equity is growing by ~8% per year across the filed fiscal years. Its solvency ranks better than 91% of 17090 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability81▼-3
Solvency100=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €23k at 30 days acceptable
Liquidity ample (current ratio 10.88 against 5.31 in 2024; short-term debt: 4.4% and cash: 31.5% of total assets), and 7.5% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
92.5%
Return on assets
9.4%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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 03-07-2026, 28 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
28 d early
2024
2 d early
2023
9 d late
2022
31 d late
2021
27 d late
2020
2 d early
2019
24 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€252k▲ 10.9%
2024 · €228k
2018: €138klowest in 8 years
2019: €164k▲ +18.7% vs 2018
2020: €174k▲ +6.4% vs 2019
2021: €194k▲ +11.4% vs 2020
2022: €194k● +0.0% vs 2021
2023: €208k▲ +7.2% vs 2022
2024: €228k▲ +9.5% vs 2023
2025: €252k▲ +10.9% vs 2024highest in 8 years
2018 → 2025
Total assets
€273k▲ 6.2%
2024 · €257k
2018: €246klowest in 8 years
2019: €257k▲ +4.7% vs 2018
2020: €257k● 0.0% vs 2019
2021: €253k▼ -1.6% vs 2020
2022: €252k▼ -0.7% vs 2021
2023: €271k▲ +7.5% vs 2022
2024: €257k▼ -5.0% vs 2023
2025: €273k▲ +6.2% vs 2024highest in 8 years
2018 → 2025
Net result
€26k▼ 19.3%
2024 · €32k
2018: €31k
2019: €27k▼ -11.1% vs 2018
2020: €27k● 0.0% vs 2019
2021: €20k▼ -27.3% vs 2020
2022: €3▼ -100.0% vs 2021lowest in 8 years
2023: €15k▲ +535894% vs 2022
2024: €32k▲ +115% vs 2023highest in 8 years
2025: €26k▼ -19.3% vs 2024
2018 → 2025
Working capital
€118k▲ 62.1%
2024 · €73k
2018: €16klowest in 8 years
2019: €16k▲ +1.9% vs 2018
2020: €27k▲ +67.8% vs 2019
2021: €52k▲ +94.4% vs 2020
2022: €65k▲ +25.7% vs 2021
2023: €43k▼ -34.1% vs 2022
2024: €73k▲ +69.3% vs 2023
2025: €118k▲ +62.1% vs 2024highest in 8 years
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€194k-€194k=€208k▲ 7.2%€228k▲ 9.5%€252k▲ 10.9%
2021: €194klowest in 5 years
2022: €194k● +0.0% vs 2021
2023: €208k▲ +7.2% vs 2022
2024: €228k▲ +9.5% vs 2023
2025: €252k▲ +10.9% vs 2024highest in 5 years
Operating result€29k-€2k▼ 93.1%€21k▲ 969%€44k▲ 106%€35k▼ 20.6%
2021: €29k
2022: €2k▼ -93.1% vs 2021lowest in 5 years
2023: €21k▲ +969% vs 2022
2024: €44k▲ +106% vs 2023highest in 5 years
2025: €35k▼ -20.6% vs 2024
Net result€20k-€3▼ 100.0%€15k▲ 535,894%€32k▲ 115%€26k▼ 19.3%
2021: €20k
2022: €3▼ -100.0% vs 2021lowest in 5 years
2023: €15k▲ +535894% vs 2022
2024: €32k▲ +115% vs 2023highest in 5 years
2025: €26k▼ -19.3% vs 2024
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 21% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €273k
Fixed assets
€143k ▼ 14.6%
Current assets
€130k ▲ 44.9%
Equity and liabilities €273k
Equity
€252k ▲ 10.9%
Debt
€20k ▼ 30.4%
Debt's share of the balance-sheet total falls from 11.4% to 7.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€60k▼
2024 · €69k
Cash flow
€51k▼
2024 · €57k
Current ratio
10.88▲
2024 · 5.31
Debt to equity
0.08▼
2024 · 0.13
ROE
10.2%▼
2024 · 14.0%
ROA
9.4%▼
2024 · 12.4%
Interest coverage
77.50▲
2024 · 65.52
Debt ≤ 1 year
€12k▼
2024 · €17k
Debt > 1 year
€8k▼
2024 · €12k
Income taxes
€9k▼
2024 · €12k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 47 lines
Balance sheet
Code20242025
Assets
Total assets20/58€257k€273k▲
Fixed assets21/28€167k€143k▼
Tangible fixed assets22/27€167k€142k▼
Land and buildings22€123k€110k▼
Plant, machinery and equipment23€569€326▼
Furniture and vehicles24€43k€32k▼
Financial fixed assets28€250€250=
Current assets29/58€90k€130k▲
Amounts receivable within one year40/41€43k€43k=
Trade receivables40€31k€24k▼
Other amounts receivable41€12k€19k▲
Cash at bank and in hand54/58€46k€86k▲
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€257k€273k▲
Equity10/15€228k€252k▲
Contributions10/11€7k€7k=
Reserves13€220k€245k▲
Distributable reserves133€220k€245k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€29k€20k▼
Amounts payable after more than one year17€12k€8k▼
Financial debts170/4€12k€8k▼
Amounts payable within one year42/48€17k€12k▼
Current portion of amounts payable after more than one year42€14k€4k▼
Trade debts44€497€459▼
Suppliers440/4€497€459▼
Taxes, remuneration and social security45€1k€7k▲
Taxes450/3€1k€7k▲
Other amounts payable47/48€859€859=
Accrued charges and deferred income492/3€66€67▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€25k€25k▲
Other operating charges640/8€842€1k▲
Gross operating margin9900€70k€61k▼
Operating profit (loss)9901€44k€35k▼
Financial income75/76B€554€775▲
Recurring financial income75€554€775▲
Financial charges65/66B€1k€776▼
Recurring financial charges65€1k€776▼
Profit (loss) for the period before taxes9903€44k€35k▼
Income taxes67/77€12k€9k▼
Profit (loss) for the period9904€32k€26k▼
Profit (loss) for the period to be appropriated9905€32k€26k▼
Appropriation of the result
Profit (loss) to be appropriated9906€32k€26k▼
Transfer to equity691/2€31k€25k▼
To other reserves6921€31k€25k▼
Profit to be distributed694/7€859€859=
Return on contributions (dividend)694€859€859=
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €21k | €21k | €22k | €25k | €25k | ▲ 0.7% |
| Other operating charges640/8 | €1k | €2k | €3k | €842 | €1k | ▲ 42.1% |
| Non-recurring operating charges66A | - | €814 | €0 | - | - | - |
| Gross operating margin9900 | €51k | €25k | €46k | €70k | €61k | ▼ 12.2% |
| Operating profit (loss)9901 | €29k | €2k | €21k | €44k | €35k | ▼ 20.6% |
| Financial income75/76B | €168 | €613 | €735 | €554 | €775 | ▲ 39.9% |
| Recurring financial income75 | €168 | €613 | €735 | €554 | €775 | ▲ 39.9% |
| Financial charges65/66B | €1k | €922 | €728 | €1k | €776 | ▼ 26.4% |
| Recurring financial charges65 | €1k | €922 | €728 | €1k | €776 | ▼ 26.4% |
| Profit (loss) for the period before taxes9903 | €28k | €2k | €21k | €44k | €35k | ▼ 19.7% |
| Income taxes67/77 | €8k | €2k | €7k | €12k | €9k | ▼ 20.7% |
| Profit (loss) for the period9904 | €20k | €3 | €15k | €32k | €26k | ▼ 19.3% |
| Profit (loss) for the period to be appropriated9905 | €20k | €3 | €15k | €32k | €26k | ▼ 19.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €253k | €252k | €271k | €257k | €273k | ▲ 6.2% |
| Fixed assets21/28 | €180k | €166k | €192k | €167k | €143k | ▼ 14.6% |
| Tangible fixed assets22/27 | €180k | €165k | €191k | €167k | €142k | ▼ 14.6% |
| Land and buildings22 | €163k | €150k | €137k | €123k | €110k | ▼ 10.7% |
| Plant, machinery and equipment23 | €4k | €413 | €311 | €569 | €326 | ▼ 42.7% |
| Furniture and vehicles24 | €13k | €15k | €54k | €43k | €32k | ▼ 25.6% |
| Financial fixed assets28 | €250 | €250 | €250 | €250 | €250 | = |
| Current assets29/58 | €73k | €86k | €79k | €90k | €130k | ▲ 44.9% |
| Amounts receivable within one year40/41 | €8k | €49k | €69k | €43k | €43k | = |
| Trade receivables40 | €1k | €26k | €39k | €31k | €24k | ▼ 22.2% |
| Other amounts receivable41 | €7k | €23k | €30k | €12k | €19k | ▲ 56.6% |
| Cash at bank and in hand54/58 | €65k | €37k | €8k | €46k | €86k | ▲ 88.2% |
| Deferred charges and accrued income490/1 | - | - | €2k | €2k | €2k | ▲ 5.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €253k | €252k | €271k | €257k | €273k | ▲ 6.2% |
| Equity10/15 | €194k | €194k | €208k | €228k | €252k | ▲ 10.9% |
| Contributions10/11 | €19k | €19k | €19k | €7k | €7k | = |
| Reserves13 | €175k | €175k | €189k | €220k | €245k | ▲ 11.3% |
| Non-distributable reserves130/1 | €2k | €2k | €0 | - | - | - |
| Other1319 | €2k | €2k | €0 | - | - | - |
| Distributable reserves133 | €173k | €173k | €189k | €220k | €245k | ▲ 11.3% |
| Profit (loss) carried forward14 | €0 | - | €0 | €0 | €0 | - |
| Amounts payable17/49 | €60k | €58k | €63k | €29k | €20k | ▼ 30.4% |
| Amounts payable after more than one year17 | €38k | €25k | €27k | €12k | €8k | ▼ 32.2% |
| Financial debts170/4 | €38k | €25k | €27k | €12k | €8k | ▼ 32.2% |
| Amounts payable within one year42/48 | €21k | €21k | €36k | €17k | €12k | ▼ 29.2% |
| Current portion of amounts payable after more than one year42 | €14k | €14k | €18k | €14k | €4k | ▼ 72.3% |
| Trade debts44 | €410 | €1k | €12k | €497 | €459 | ▼ 7.7% |
| Suppliers440/4 | €410 | €1k | €12k | €497 | €459 | ▼ 7.7% |
| Taxes, remuneration and social security45 | €7k | €6k | €5k | €1k | €7k | ▲ 493% |
| Taxes450/3 | €7k | €6k | €5k | €1k | €7k | ▲ 493% |
| Other amounts payable47/48 | €0 | - | €833 | €859 | €859 | = |
| Accrued charges and deferred income492/3 | €0 | €13k | €64 | €66 | €67 | ▲ 2.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €20k | €3 | €15k | €32k | €26k | ▼ 19.3% |
| + Depreciation and write-downs630 | €21k | €21k | €22k | €25k | €25k | ▲ 0.7% |
| Operating cash flow (approximation) | €40k | €21k | €37k | €57k | €51k | ▼ 10.6% |
| Investment in fixed assets (approximation) | - | €-6k | €-48k | €-424 | €-754 | ▼ 77.9% |
| Change in cash | - | €-28k | €-29k | €38k | €40k | ▲ 5.8% |
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
03-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity doublescurrent ratio 10.88
Current ratio from 5.31 to 10.88; short-term debt falls from €17k to €12k.
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €32k ▲115%
Net result €32k, the highest in the series.
31-12
Financial
Liquidity doublescurrent ratio 5.31
Current ratio from 2.20 to 5.31; short-term debt falls from €36k to €17k.
09-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 9 days late
2023
31-12
Financial
Equity above €200kEq €208k ▲7.2%
6 profitable years in a row build equity to €208k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Weakest financial yearnet €3 ▼100%
Net result drops to €3, the lowest in the series; recovery starts the following year.
27-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 27 days late
2021
29-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
24-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 24 days late
Show earlier events
2019
31-12
Financial
Equity above €150kEq €164k ▲18.7%
2 profitable years in a row build equity to €164k.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
02-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 2 days late
2017
23-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 23 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, Bornem · 1 establishment unit since 2014
Ground area
750 m²
Building footprint
150 m²
Volume, LiDAR
933 m³
Parcel 12015A0205/00E000, Flanders · tallest building 7.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Kleine Hinckstraat(HIN) 16, 2880 Bornem
since 20142.233.887.729
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12015A0205/00E000 | Flanders | 750 m² | 1 · 150 m² | 7.4 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.
Recognitions · licences · registrations
Legal Entity Identifier
984500D2BDDPATBC0650
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Of 29,993 companies in sector 62200 we hold annual accounts for 18,396. 14,182 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
Founded30-07-2014
Fiscal year end31-12
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
62900Other information technology and computer services
Scores and ratios are computed by Checked and are not a credit decision.