Active BE 0436.316.193Private limited company

JUL

Bergstraat 151 ·2220 Heist-op-den-Berg, Belgium· 37 yrs active

Sector: Activiteiten van hoofdkantoren (70100)

Conclusion Checked

The computed 12-month bankruptcy probability of JUL is 0.1% (very low). The 2025 annual accounts show equity of €1.22M and a net result of €132k. Equity is growing by ~21.1% per year across the filed fiscal years. Its solvency ranks better than 95% of 4723 sector peers (fiscal year 2025). The company has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 7 annual accounts.

Key figures

Equity	€1.22M
Net result	€132k
Better than sector	95%
Active	37 yrs

Snowflake analysis 5 of 5 axes measured · computed by Checked

86 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 100

Profitability 54

Solvency 100

Growth 78

Stability 100

Bankruptcy probability (12 mo) Checked model v1 · free

0.1% Very low

0%0,5%1,5%4%10%≥25%

Lower-failure-rate sector −Long track record −Annual accounts: healthy financial profile −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

Long-established

Founded in 1988, 37 years in business.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags 0 events

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Health barometer FY 2025 · computed

100 / 100 Excellent

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

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Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Financial overview10 NBB filings

Annual accounts filed on 09-01-2026 with the NBB · fiscal year 2025 · micro

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~21.1%/year over 7 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2025 · NACE 70, Head offices & management consulting · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	96.5%	55.5%	better than 95% of 4723 sector peers
Net result	€132k	€38k	better than 91% of 4722 sector peers
Equity	€1.22M	€64k	better than 95% of 4723 sector peers
Gross operating margin	€209k	€61k	better than 92% of 4715 sector peers
Total assets	€1.27M	€146k	better than 95% of 4723 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

EBITDA

€239k

+3.0% 19-25

Net profit

€132k

+10.3% 19-25

Cash flow

€176k

+5.6% 19-25

Total assets

€1.27M

-4.5% 19-25

Equity

€1.22M

+2.5% 19-25

Working capital

€808k

+4.5% 19-25

Income taxes

€65k

-0.6% 19-25

Dividends

€102k

+410.4% 19-25

Debt

€44k

-55.3% 19-25

Debt ≤ 1y

€44k

-53.3% 19-25

Debt > 1y

€40

-99.1% 19-25

Current ratio

19.19

+110.0% 19-25

Quick ratio

19.19

+110.0% 19-25

Solvency

96.5%

+7.4% 19-25

Debt / equity

0.04

-56.4% 19-25

ROE

10.8%

+7.6% 19-25

ROA

10.4%

+15.5% 19-25

Interest coverage

17.91

+150.1% 19-25

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2025
Deposit	micro
Revenue	-
EBITDA	€239k
Net profit	€132k
Cash flow	€176k
Staff costs	-
Income taxes	€65k
Dividends	€102k
Total assets	€1.27M
Equity	€1.22M
Debt	€44k
of which ≤ 1y	€44k
of which > 1y	€40
Working capital	€808k
Employees (FTE)	-

Ratios (computed)

	2025
Current ratio	19.19
Quick ratio	19.19
Working capital ratio	63.7%
Solvency	96.5%
Debt / equity	0.04
Long-term debt ratio	0.00
Interest coverage	17.91
Gross margin	-
Net margin	-
ROA	10.4%
ROE	10.8%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2025

Assets

Fixed assets €416k · 32.8% Current assets €852k · 67.2%

Equity & liabilities

Equity €1.22M · 96.5% Debt €44k · 3.5%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€1.27M
Fixed assets	21/28	€416k
Tangible fixed assets	22/27	€67k
Financial fixed assets	28	€350k
Current assets	29/58	€852k
Amounts receivable within one year	40/41	€191k
Investments	50/53	€346k
Cash & bank	54/58	€200k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€1.27M
Equity	10/15	€1.22M
Contributions / capital	10/11	€19k
Reserves	13	€1.20M
Accumulated profits (losses)	14	€3k
Amounts payable	17/49	€44k
Amounts payable after one year	17	€40
Amounts payable within one year	42/48	€44k
Trade debts payable within one year	44	€120
Income statement
Gross operating margin	9900	€209k
Operating result	9901	€195k
Financial income	75	€15k
Financial charges	65	€13k
Result before taxes	9903	€197k
Income taxes	67/77	€65k
Net result for the period	9904	€132k
Result to be appropriated	9905	€132k

You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan. See plans →

Ratios computed by Checked.

Directors & mandates 3 directors

Directors derived from a single State Gazette act, under verification

All 3 current directors first appear in the same act (23482016). Founders or capital subscribers may have been counted as directors here; the real board composition is being verified.

Current directors & mandates

VERCAMMEN Gerrit
Director
State Gazette act 23482016 (28-12-2023)

Current
28-12-2023 → present
2 events
- 28-12-2023 Resigned· Director
- 28-12-2023 Appointed· Director
VERCAMMEN Ilse
Director
State Gazette act 23482016 (28-12-2023)

Current
28-12-2023 → present
2 events
- 28-12-2023 Resigned· Director
- 28-12-2023 Appointed· Director
VERCAMMEN Kristien
Director
State Gazette act 23482016 (28-12-2023)

Current
28-12-2023 → present
2 events
- 28-12-2023 Resigned· Director
- 28-12-2023 Appointed· Director

Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.

Legal Structure

NACE primary	Activiteiten van hoofdkantoren(70100)
Legal form	Private limited company(610)
Incorporation	30-12-1988
Status	Active
Postal code	2220

Establishment units 1 location

CLEM VERCAMMEN NV

Bergstraat 151, 2220 Heist-op-den-BergGroothandel in horloges en uurwerken, artikelen van edele metalen en sieraden

since 19892.041.683.417

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
12322I0470/00A002	Flanders	612 m²	1 · 389 m²	7.2 m · 1 fl.

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Updates 12 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2026

09-01-2026

NBB filing Annual accounts filed

fiscal year 2025 · micro

2025

13-02-2025

NBB filing Annual accounts filed

fiscal year 2024 · micro

2024

13-08-2024

State Gazette act Minor change

Agm rules change · Laurence Cuypers

2023

28-12-2023

State Gazette act Director changes

Benedikt Cuypers

20-12-2023

NBB filing Annual accounts filed

fiscal year 2023 · micro

02-03-2023

NBB filing Annual accounts filed

fiscal year 2022 · micro

2022

20-01-2022

NBB filing Annual accounts filed

fiscal year 2021 · micro

2021

12-01-2021

NBB filing Annual accounts filed

fiscal year 2020 · micro

2020

28-01-2020

NBB filing Annual accounts filed

fiscal year 2019 · micro

2019

13-02-2019

NBB filing Annual accounts filed

fiscal year 2018 · micro

2018

22-01-2018

NBB filing Annual accounts filed

fiscal year 2017 · micro

2017

24-03-2017

NBB filing Annual accounts filed

fiscal year 2016 · verkort

Belgisch Staatsblad, acts 2 acts

All acts · 2 updated 2 years ago

2024

13-08-2024 Publication in the Belgian Official Gazette, Minor change Minor change·Laurence Cuypers

Summary: Agm rules changeNotary: Laurence Cuypers · Heist-op-den-berg

Original publication ↗

Technical details

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2023

28-12-2023 3 directors appointed, 3 resigning Director changes·Benedikt Cuypers

VERCAMMEN Gerrit, Bestuurder
VERCAMMEN Ilse, Bestuurder
VERCAMMEN Kristien, Bestuurder
VERCAMMEN Gerrit, Bestuurder
VERCAMMEN Ilse, Bestuurder
VERCAMMEN Kristien, Bestuurder

Notary: Benedikt Cuypers · Heist-op-den-berg

Original publication ↗

Technical details

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Credit advice verdict per customer and amount

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Company registry (CBE) Crossroads Bank

Activities

Activiteiten van hoofdkantoren70100Activiteiten van hoofdkantoren70100Verhuur en exploitatie van eigen of geleasd niet-residentieel onroerend goed, exclusief terreinen68203Verhuur en exploitatie van eigen of geleased niet-residentieel onroerend goed, exclusief terreinen68203Verhuur en exploitatie van terreinen68204Verhuur en exploitatie van terreinen68204

Primary activity highlighted.

Names & trade names

Legal nameNL

JUL

Registered office

Bergstraat 151

2220 Heist-op-den-Berg, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.

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