Summary
JUEL is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €472,225 and a net result of €38,290. Equity is growing by ~14.4% per year across the filed fiscal years. Its solvency ranks better than 71% of 8091 sector peers (fiscal year 2025). The company has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
19 d late
2023
31 d late
2022
1 d early
2021
on the day
2020
1 d early
2019
on the day
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 11 days after the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed 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 31 August (3 of the last 3 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€472,225▲ 8.8%
2024 · €433,935
Net result
€38,290▼ 30.6%
2024 · €55,186
Total assets
€635,391▲ 5.4%
2024 · €602,805
Solvency
74.3%▲ 2.3pp
2024 · 72.0%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, 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€190,786€202,732▲ 6.3%€99,165▼ 51.1%€84,711▼ 14.6%€93,756▲ 10.7%
Net result€145,106above the sector's middle half€144,156above the sector's middle half▼ 0.7%€63,772within the sector's middle half▼ 55.8%€55,186within the sector's middle half▼ 13.5%€38,290within the sector's middle half▼ 30.6%
Equity€274,128within the sector's middle half▲ 110%€416,684above the sector's middle half▲ 52.0%€380,415within the sector's middle half▼ 8.7%€433,935above the sector's middle half▲ 14.1%€472,225above the sector's middle half▲ 8.8%
Total assets€720,500within the sector's middle half▼ 7.2%€746,037within the sector's middle half▲ 3.5%€729,698within the sector's middle half▼ 2.2%€602,805within the sector's middle half▼ 17.4%€635,391within the sector's middle half▲ 5.4%
Debt€446,372▼ 30.9%€329,353▼ 26.2%€349,283▲ 6.1%€168,870▼ 51.7%€163,165▼ 3.4%
Working capital-€196,378below the sector's middle half▲ 36.6%-€35,347below the sector's middle half▲ 82.0%-€47,647below the sector's middle half▼ 34.8%€20,168within the sector's middle half€50,935within the sector's middle half▲ 153%
Solvency38.0%within the sector's middle half▲ 21.2pp55.9%within the sector's middle half▲ 17.8pp52.1%within the sector's middle half▼ 3.7pp72.0%within the sector's middle half▲ 19.9pp74.3%within the sector's middle half▲ 2.3pp
Current ratio0.19below the sector's middle half▲ 0.080.77within the sector's middle half▲ 0.580.78within the sector's middle half▲ 0.011.29within the sector's middle half▲ 0.511.53within the sector's middle half▲ 0.24
Return on assets (ROA)20.1%within the sector's middle half▲ 27.9pp19.3%within the sector's middle half▼ 0.8pp8.7%within the sector's middle half▼ 10.6pp9.2%within the sector's middle half▲ 0.4pp6.0%within the sector's middle half▼ 3.1pp
Staff (FTE)1▲ 100%1=1=1=1.1▲ 10.0%
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, 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 recovers in 2025; 2025 is 11% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €635,391
Fixed assets
€487,957 ▼ 4.8%
Current assets
€147,433 ▲ 63.1%
Equity and liabilities €635,391
Equity
€472,225 ▲ 8.8%
Debt
€163,165 ▼ 3.4%
Debt's share of the balance-sheet total falls from 28.0% to 25.7%. Equity is higher and debt is lower.
Key figures and ratios
ROE
8.1%▼
2024 · 12.7%
Debt ≤ 1 year
€96,498▲
2024 · €70,203
Debt > 1 year
€66,667▼
2024 · €98,667
Income taxes
€54,067▲
2024 · €21,490
Staff costs
€29,015▲
2024 · €17,498
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €56,188 | - | - | - | €276 | - |
| Remuneration, social security and pensions62 | €15,235 | €14,711 | €23,237 | €17,498 | €29,015 | ▲ 65.8% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €53,570 | €55,270 | €66,633 | €38,646 | €29,401 | ▼ 23.9% |
| Other operating charges640/8 | €6,278 | €5,154 | €6,187 | €11,119 | €15,731 | ▲ 41.5% |
| Non-recurring operating charges66A | - | - | - | €8,659 | €0 | ▼ 100% |
| Gross operating margin9900 | €265,869 | €277,867 | €195,223 | €160,633 | €167,903 | ▲ 4.5% |
| Operating profit (loss)9901 | €190,786 | €202,732 | €99,165 | €84,711 | €93,756 | ▲ 10.7% |
| Financial income75/76B | €192 | €152 | - | €36 | €2,993 | ▲ 8,192% |
| Recurring financial income75 | €192 | €152 | - | €36 | €2,993 | ▲ 8,192% |
| Financial charges65/66B | €3,809 | €3,499 | €7,027 | €8,072 | €4,392 | ▼ 45.6% |
| Recurring financial charges65 | €3,809 | €3,499 | €7,027 | €8,072 | €4,392 | ▼ 45.6% |
| Profit (loss) for the period before taxes9903 | €187,170 | €199,385 | €92,138 | €76,676 | €92,357 | ▲ 20.5% |
| Income taxes67/77 | €42,064 | €55,228 | €28,366 | €21,490 | €54,067 | ▲ 152% |
| Profit (loss) for the period9904 | €145,106 | €144,156 | €63,772 | €55,186 | €38,290 | ▼ 30.6% |
| Profit (loss) for the period to be appropriated9905 | €145,106 | €144,156 | €63,772 | €55,186 | €38,290 | ▼ 30.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €720,500 | €746,037 | €729,698 | €602,805 | €635,391 | ▲ 5.4% |
| Fixed assets21/28 | €673,172 | €625,363 | €558,729 | €512,434 | €487,957 | ▼ 4.8% |
| Tangible fixed assets22/27 | €673,172 | €625,363 | €558,729 | €512,434 | €487,957 | ▼ 4.8% |
| Land and buildings22 | €621,193 | €585,838 | €541,644 | €506,289 | €479,469 | ▼ 5.3% |
| Plant, machinery and equipment23 | - | €6,831 | €4,966 | €6,012 | €5,759 | ▼ 4.2% |
| Furniture and vehicles24 | €39,763 | €22,338 | €4,089 | €133 | €0 | ▼ 100% |
| Other tangible fixed assets26 | €12,216 | €10,356 | €8,030 | €0 | €2,729 | - |
| Current assets29/58 | €47,328 | €120,675 | €170,968 | €90,371 | €147,433 | ▲ 63.1% |
| Amounts receivable within one year40/41 | €2,723 | €36,588 | €120,812 | €53,951 | €139,662 | ▲ 159% |
| Trade receivables40 | €2,723 | €36,238 | €35,510 | €13,916 | €39,313 | ▲ 183% |
| Other amounts receivable41 | - | €350 | €85,302 | €40,035 | €100,349 | ▲ 151% |
| Cash at bank and in hand54/58 | €26,807 | €66,829 | €45,216 | €29,518 | €567 | ▼ 98.1% |
| Deferred charges and accrued income490/1 | €17,798 | €17,257 | €4,940 | €6,902 | €7,205 | ▲ 4.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €720,500 | €746,037 | €729,698 | €602,805 | €635,391 | ▲ 5.4% |
| Equity10/15 | €274,128 | €416,684 | €380,415 | €433,935 | €472,225 | ▲ 8.8% |
| Contributions10/11 | €31,000 | €31,000 | €31,000 | €31,000 | €31,000 | = |
| Reserves13 | €163,225 | €163,225 | €63,183 | €63,183 | €63,183 | = |
| Tax-exempt reserves132 | €12,000 | €12,000 | €12,000 | €12,000 | €12,000 | = |
| Distributable reserves133 | €151,225 | €151,225 | €51,183 | €51,183 | €51,183 | = |
| Profit (loss) carried forward14 | €79,903 | €222,459 | €286,231 | €339,752 | €378,042 | ▲ 11.3% |
| Amounts payable17/49 | €446,372 | €329,353 | €349,283 | €168,870 | €163,165 | ▼ 3.4% |
| Amounts payable after more than one year17 | €202,667 | €170,667 | €130,667 | €98,667 | €66,667 | ▼ 32.4% |
| Financial debts170/4 | €202,667 | €170,667 | €130,667 | €98,667 | €66,667 | ▼ 32.4% |
| Amounts payable within one year42/48 | €243,705 | €156,022 | €218,616 | €70,203 | €96,498 | ▲ 37.5% |
| Current portion of amounts payable after more than one year42 | €32,000 | €32,000 | €32,000 | €34,640 | €34,351 | ▼ 0.8% |
| Financial debts43 | €70,000 | - | - | - | - | - |
| Credit institutions430/8 | €70,000 | - | - | - | - | - |
| Trade debts44 | €2,207 | €6,243 | €30,553 | €10,824 | €9,946 | ▼ 8.1% |
| Suppliers440/4 | €2,207 | €6,243 | €30,553 | €10,824 | €9,946 | ▼ 8.1% |
| Taxes, remuneration and social security45 | €73,392 | €79,464 | €56,022 | €23,072 | €52,201 | ▲ 126% |
| Taxes450/3 | €70,370 | €76,336 | €46,895 | €14,266 | €42,175 | ▲ 196% |
| Remuneration and social security454/9 | €3,022 | €3,127 | €9,127 | €8,806 | €10,027 | ▲ 13.9% |
| Other amounts payable47/48 | €66,106 | €38,316 | €100,041 | €1,666 | €0 | ▼ 100% |
| Accrued charges and deferred income492/3 | - | €2,664 | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €145,106 | €144,156 | €63,772 | €55,186 | €38,290 | ▼ 30.6% |
| + Depreciation and write-downs630 | €53,570 | €55,270 | €66,633 | €38,646 | €29,401 | ▼ 23.9% |
| Operating cash flow (approximation) | €198,676 | €199,426 | €130,405 | €93,832 | €67,691 | ▼ 27.9% |
| Investment in fixed assets (approximation) | - | -€7,460 | €0 | €7,649 | -€4,924 | ▼ 164% |
| Change in cash | - | €40,022 | -€21,614 | -€15,698 | -€28,951 | ▼ 84.4% |
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
19-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 19 days late
2024
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
22-07
State Gazette act
General meeting · Purpose change
Director appointment · Mandate compensation
2023
29-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
07-07
State Gazette act
Board meeting · Director resignation
Permanent representative · Statutes amendment
30-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Back to profitnet €145,106
Net result €145,106 after 2 loss-making years.
30-09
Financial
Equity above €200,000Eq €274,128 ▲110%
Equity rises from €130,622 to €274,128.
29-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Weakest financial yearnet -€60,408
Net result drops to -€60,408, the lowest in the series; recovery starts the following year.
30-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Show earlier events
04-03
State Gazette act
General meeting · Board meeting
Director resignation · Permanent representative
13-02
State Gazette act
General meeting · Director resignation
Director appointment · Mandate compensation
2019
29-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
27-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
17-11
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 201 days late
Financial milestoneState Gazette actNBB 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, Wortegem-Petegem · 1 establishment unit since 2012
Ground area
1.1 ha
Building footprint
395 m²
Volume, LiDAR
2,256 m³
Parcel 45055A0414/00C000, Flanders · tallest building 9.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JUEL
since 20122.215.603.922
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45055A0414/00C000 | Flanders | 1.1 ha | 1 · 394 m² | 9.1 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.
Structure & network
Connections & network
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Ownership & control
3 board mandatesBoard mandates of this companythis company sits on their board3
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Of 24,729 companies in sector 64210 we hold annual accounts for 19,800. 13,654 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
Founded05-12-2012
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
70200Business and other management consultancy
55204Guest rooms (bed and breakfast)
68321Property management for co-owned buildings (syndics)
96230Day spas, saunas and steam baths
E-invoicing
Reachable via Peppol
Peppol ID
0208:0501767538
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.