JUL
ActiveSummary
JUL has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.2m and a net result of €132,202. Equity is growing by ~21.1% per year across the filed fiscal years. Its solvency ranks better than 95% of 31896 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability82▲+2
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €100,000 at 30 days acceptable
Liquidity ample (current ratio 19.19 against 9.14 in 2024; short-term debt: 3.5% and cash: 15.8% of total assets), and 3.5% of the assets are financed with debt.
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Show the recommended maximum : and see how the verdict changes with amount, term and advance.
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 70
Relative position
BE, all sectors
reference
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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
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
96.5%
Return on assets
10.4%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 09-01-2026, 22 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
22 d early
2024
13 d late
2023
42 d early
2022
30 d late
2021
11 d early
2020
19 d early
2019
3 d early
← 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 8 days before 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 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close27-09-2026 today31-01-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€1.2m▲ 2.5%
2024 · €1.2m
Total assets
€1.3m▼ 4.5%
2024 · €1.3m
Net result
€132,202▲ 10.3%
2024 · €119,853
Working capital
€807,846▲ 4.5%
2024 · €773,237
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€135,415▲ 5.5%€133,741▼ 1.2%€163,699▲ 22.4%€185,249▲ 13.2%€195,324▲ 5.4%
Net result€65,330above the sector's middle half▲ 20.0%€65,159above the sector's middle half▼ 0.3%€542,854above the sector's middle half▲ 733%€119,853above the sector's middle half▼ 77.9%€132,202above the sector's middle half▲ 10.3%
Equity€517,189above the sector's middle half▲ 10.0%€551,170above the sector's middle half▲ 6.6%€1.1mabove the sector's middle half▲ 94.9%€1.2mabove the sector's middle half▲ 11.2%€1.2mabove the sector's middle half▲ 2.5%
Total assets€783,174above the sector's middle half▼ 4.3%€783,894above the sector's middle half▲ 0.1%€1.3mabove the sector's middle half▲ 65.1%€1.3mabove the sector's middle half▲ 2.6%€1.3mabove the sector's middle half▼ 4.5%
Debt€178,527▼ 26.6%€162,757▼ 8.8%€168,044▲ 3.2%€99,455▼ 40.8%€44,456▼ 55.3%
Working capital€124,813▲ 52.0%€157,367▲ 26.1%€674,308▲ 328%€773,237▲ 14.7%€807,846▲ 4.5%
Solvency66.0%within the sector's middle half▲ 8.6pp70.3%within the sector's middle half▲ 4.3pp83.0%above the sector's middle half▲ 12.7pp89.9%above the sector's middle half▲ 6.9pp96.5%above the sector's middle half▲ 6.6pp
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
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 5% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.3m
Fixed assets
€416,349 ▼ 9.5%
Current assets
€852,261 ▼ 1.8%
Equity and liabilities €1.3m
Equity
€1.2m ▲ 2.5%
Provisions
€0 ▼ 100%
Debt
€44,456 ▼ 55.3%
Debt's share of the balance-sheet total falls from 7.5% to 3.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€239,056▲
2024 · €232,075
Cash flow
€175,934▲
2024 · €166,678
Current ratio
19.19▲
2024 · 9.14
Debt to equity
0.04▼
2024 · 0.08
ROE
10.8%▲
2024 · 10.0%
ROA
10.4%▲
2024 · 9.0%
Interest coverage
17.91▲
2024 · 7.16
Debt ≤ 1 year
€44,416▼
2024 · €95,021
Debt > 1 year
€40▼
2024 · €4,434
Income taxes
€65,095▼
2024 · €65,508
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 20,082 companies that looked in July 2024 the way this one looks now, 0.2% went bankrupt within 24 months and 95% are still going.
- Small
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.2%
went bankrupt
4.7%
stopped otherwise
95%
still going
For this company itself Checked computes a bankruptcy probability of 0.1% over twelve months; the group does not contradict it.
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 20,082 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 | €42,937 | €42,937 | €42,937 | €46,825 | €43,732 | ▼ 6.6% |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | - | -€17,492 | -€17,492 | -€17,492 | -€34,983 | ▼ 100% |
| Other operating charges640/8 | - | €4,669 | €4,900 | €5,360 | €5,135 | ▼ 4.2% |
| Gross operating margin9900 | €165,471 | €163,856 | €194,044 | €219,943 | €209,208 | ▼ 4.9% |
| Operating profit (loss)9901 | €135,415 | €133,741 | €163,699 | €185,249 | €195,324 | ▲ 5.4% |
| Financial income75/76B | - | €3,619 | €508,701 | €32,513 | €15,319 | ▼ 52.9% |
| Recurring financial income75 | €3,434 | €3,619 | €508,701 | €32,513 | €15,319 | ▼ 52.9% |
| Financial charges65/66B | - | €33,825 | €32,795 | €32,402 | €13,347 | ▼ 58.8% |
| Recurring financial charges65 | €35,398 | €33,825 | €32,795 | €32,402 | €13,347 | ▼ 58.8% |
| Profit (loss) for the period before taxes9903 | €103,451 | €103,535 | €639,604 | €185,360 | €197,296 | ▲ 6.4% |
| Income taxes67/77 | €38,121 | €38,377 | €96,751 | €65,508 | €65,095 | ▼ 0.6% |
| Profit (loss) for the period9904 | €65,330 | €65,159 | €542,854 | €119,853 | €132,202 | ▲ 10.3% |
| Profit (loss) for the period to be appropriated9905 | €65,330 | €65,159 | €542,854 | €119,853 | €132,202 | ▲ 10.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €783,174 | €783,894 | €1.3m | €1.3m | €1.3m | ▼ 4.5% |
| Fixed assets21/28 | €572,837 | €529,900 | €486,963 | €460,082 | €416,349 | ▼ 9.5% |
| Tangible fixed assets22/27 | €220,605 | €177,668 | €134,730 | €110,249 | €66,517 | ▼ 39.7% |
| Land and buildings22 | - | €177,668 | €134,730 | €110,249 | €66,517 | ▼ 39.7% |
| Financial fixed assets28 | €352,232 | €352,232 | €352,232 | €349,832 | €349,832 | = |
| Current assets29/58 | €210,337 | €253,994 | €807,605 | €868,259 | €852,261 | ▼ 1.8% |
| Amounts receivable after more than one year29 | - | - | - | €153,544 | €114,738 | ▼ 25.3% |
| Other amounts receivable291 | - | - | - | €153,544 | €114,738 | ▼ 25.3% |
| Amounts receivable within one year40/41 | €130,396 | €160,906 | €690,251 | €165,173 | €191,453 | ▲ 15.9% |
| Trade receivables40 | - | €62,935 | €89,913 | €29,349 | €29,812 | ▲ 1.6% |
| Other amounts receivable41 | - | €97,971 | €600,338 | €135,824 | €161,641 | ▲ 19.0% |
| Current investments50/53 | - | - | - | €345,867 | €345,867 | = |
| Cash at bank and in hand54/58 | €73,835 | €91,088 | €113,826 | €203,052 | €199,870 | ▼ 1.6% |
| Deferred charges and accrued income490/1 | - | €2,000 | €3,529 | €622 | €333 | ▼ 46.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €783,174 | €783,894 | €1.3m | €1.3m | €1.3m | ▼ 4.5% |
| Equity10/15 | €517,189 | €551,170 | €1.1m | €1.2m | €1.2m | ▲ 2.5% |
| Contributions10/11 | - | €18,550 | €18,550 | €18,550 | €18,550 | = |
| Revaluation surpluses12 | - | €59,020 | €39,346 | €19,673 | €0 | ▼ 100% |
| Reserves13 | €416,541 | €470,195 | €1.0m | €1.2m | €1.2m | ▲ 4.3% |
| Non-distributable reserves130/1 | - | €10,329 | €10,329 | - | - | - |
| Reserves not available under the articles1311 | - | €10,329 | €10,329 | - | - | - |
| Distributable reserves133 | - | €459,866 | €1.0m | €1.2m | €1.2m | ▲ 4.3% |
| Profit (loss) carried forward14 | €3,406 | €3,406 | €3,406 | €3,406 | €3,406 | = |
| Provisions and deferred taxes16 | €87,458 | €69,966 | €52,475 | €34,983 | - | - |
| Provisions for liabilities and charges160/5 | - | €69,966 | €52,475 | €34,983 | - | - |
| Environmental obligations163 | - | €69,966 | €52,475 | - | - | - |
| Other liabilities and charges164/5 | - | - | - | €34,983 | - | - |
| Amounts payable17/49 | €178,527 | €162,757 | €168,044 | €99,455 | €44,456 | ▼ 55.3% |
| Amounts payable after more than one year17 | €93,003 | €64,259 | €34,746 | €4,434 | €40 | ▼ 99.1% |
| Financial debts170/4 | - | €64,219 | €34,706 | €4,394 | €0 | ▼ 100% |
| Other amounts payable178/9 | - | €40 | €40 | €40 | €40 | = |
| Amounts payable within one year42/48 | €85,524 | €96,626 | €133,298 | €95,021 | €44,416 | ▼ 53.3% |
| Current portion of amounts payable after more than one year42 | - | €28,744 | €29,512 | €30,313 | €4,394 | ▼ 85.5% |
| Financial debts43 | - | €14,047 | €14,100 | €7,084 | €0 | ▼ 100% |
| Credit institutions430/8 | - | €14,047 | €14,100 | €7,084 | €0 | ▼ 100% |
| Trade debts44 | €3,859 | €281 | €109 | €18,584 | €120 | ▼ 99.4% |
| Suppliers440/4 | - | €281 | €109 | €18,584 | €120 | ▼ 99.4% |
| Advances received on contracts in progress46 | - | - | €60 | €60 | €60 | = |
| Taxes, remuneration and social security45 | - | €11,575 | €68,754 | €38,981 | €23,917 | ▼ 38.6% |
| Taxes450/3 | - | €11,575 | €68,045 | €38,981 | €23,917 | ▼ 38.6% |
| Remuneration and social security454/9 | - | - | €708 | - | - | - |
| Other amounts payable47/48 | - | €41,980 | €20,763 | - | €15,925 | - |
| Accrued charges and deferred income492/3 | - | €1,872 | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €65,330 | €65,159 | €542,854 | €119,853 | €132,202 | ▲ 10.3% |
| + Depreciation and write-downs630 | €42,937 | €42,937 | €42,937 | €46,825 | €43,732 | ▼ 6.6% |
| Operating cash flow (approximation) | €108,267 | €108,096 | €585,791 | €166,678 | €175,934 | ▲ 5.6% |
| Investment in fixed assets (approximation) | - | €0 | €0 | -€19,944 | €0 | ▲ 100% |
| Change in cash | - | €17,253 | €22,738 | €89,227 | -€3,182 | ▼ 104% |
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
09-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Liquidity doublescurrent ratio 19.19
Current ratio from 9.14 to 19.19; short-term debt falls from €95,021 to €44,416.
13-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 13 days late
2023
20-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
30-06
Financial
Highest result since 2019net €542,854 ▲733%
Net result €542,854, the highest in the series.
30-06
Financial
Liquidity doublescurrent ratio 6.06
Current ratio from 2.63 to 6.06.
30-06
Financial
Equity above €1mEq €1.1m ▲94.9%
5 profitable years in a row build equity to €1.1m.
02-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
20-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Equity above €500,000Eq €517,189 ▲10%
3 profitable years in a row build equity to €517,189.
12-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
Financial
Weakest financial yearnet €54,456 ▼10.2%
Net result drops to €54,456, the lowest in the series; recovery starts the following year.
Show earlier events
28-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
13-02
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 13 days late
2018
22-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
24-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 52 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 6 acts read
About the unread acts
We know of 6 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
6 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, Heist-op-den-Berg · 1 establishment unit since 1989
Ground area
612 m²
Building footprint
389 m²
Volume, LiDAR
1,275 m³
Parcel 12322I0470/00A002, Flanders · tallest building 7.2 m, ±1 floor. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
CLEM VERCAMMEN NV
since 19892.041.683.417
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12322I0470/00A002 | Flanders | 612 m² | 1 · 389 m² | 7.2 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.
Structure & network
Owners and holdings
1 holdingOwners 0
The accounts to 30-06-2025 list no shareholders, and no other source names one.
Holdings 1
-
98.04%
According to the annual accounts to 30-06-2025 of JUL and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
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Of 5,712 companies in sector 70100 we hold annual accounts for 3,504. 1,834 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
Founded30-12-1988
Fiscal year end30-06
Activities, NACEBEL 2025
70100Activities of head offices
68203Renting and operating of own or leased non-residential real estate, excluding land
68204Real estate activities
E-invoicing
Reachable via Peppol
Peppol ID
0208:0436316193
Registered
25-07-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.