JULAM
ActiveJULAM is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show negative equity (€-4k) and a net result of €-8k. Equity is growing by ~42.7% per year across the filed fiscal years. Its solvency ranks better than 5% of 7954 sector peers (fiscal year 2025). The company has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 7954 sector peers (2025).
NBB · sector comparisonPosition among 7954 sector peers
Solvency
better than 5%
← weakest
strongest →
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 30-06-2026, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
31 d early
2024
on the day
2023
on the day
2022
on the day
2021
22 d late
2020
26 d late
2019
28 d late
← before the deadline
after the deadline →
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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-4k
2024 · €3k
2018: €-71k
2019: €-156k
2020: €-121k
2021: €-84k
2022: €-48k
2023: €-16k
2024: €3k
2018 → 2025
Net result
€-8k
2024 · €19k
2018: €-20k
2019: €-85k
2020: €35k
2021: €36k
2022: €36k
2023: €33k
2024: €19k
2018 → 2025
Total assets
€9k▼ 6.0%
2024 · €10k
2018: €167k
2019: €9k
2020: €6k
2021: €9k
2022: €15k
2023: €11k
2024: €10k
2018 → 2025
Solvency
-48.6%▼ 82.7pp
2024 · 34.1%
2018: -42.7%
2019: -1660.9%
2020: -2142.8%
2021: -956.3%
2022: -331.9%
2023: -148.3%
2024: 34.1%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-84k-€-48k▲ 42.9%€-16k▲ 67.5%€3k€-4k
Operating result€36k-€36k▼ 0.1%€33k▼ 10.1%€19k▼ 41.5%€-8k
Net result€36k-€36k▼ 0.1%€33k▼ 10.0%€19k▼ 41.7%€-8k
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 2025: a loss of €8k after €19k in 2024, the lowest year so far.
Key figures and ratios
Solvency
-48.6%▼
2024 · 34.1%
ROE
174.7%▼
2024 · 579.8%
ROA
-84.9%▼
2024 · 197.8%
Debt
€13k▲
2024 · €6k
Debt ≤ 1 year
€13k▲
2024 · €6k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€10k€9k▼
Current assets29/58€10k€9k▼
Amounts receivable within one year40/41€0€5k▲
Trade receivables40€0€5k▲
Cash at bank and in hand54/58€10k€4k▼
Equity and liabilities
Total equity and liabilities10/49€10k€9k▼
Equity10/15€3k€-4k▼
Contributions10/11€18k€18k=
Profit (loss) carried forward14€-15k€-23k▼
Amounts payable17/49€6k€13k▲
Amounts payable within one year42/48€6k€13k▲
Trade debts44-€75
Suppliers440/4-€75
Taxes, remuneration and social security45€5k€5k=
Taxes450/3€5k€5k=
Other amounts payable47/48€898€8k▲
Income statement
Code20242025
Other operating charges640/8€688€782▲
Gross operating margin9900€20k€-7k▼
Operating profit (loss)9901€19k€-8k▼
Financial charges65/66B€101€84▼
Recurring financial charges65€101€84▼
Profit (loss) for the period before taxes9903€19k€-8k▼
Profit (loss) for the period9904€19k€-8k▼
Profit (loss) for the period to be appropriated9905€19k€-8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-15k€-23k▼
Profit (loss) brought forward from the previous period14P€-34k€-15k▲
The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity quadruplescurrent ratio 1.52
Current ratio from 0.40 to 1.52; short-term debt falls from €26k to €6k.
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
22-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 22 days late
2021
31-12
Financial
Highest result since 2018net €36k ▲2.2%
Operating result €36k, net result €36k, both a record.
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
2020
31-12
Financial
Back to profitnet €35k
Net result €35k after 2 loss-making years.
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 28 days late
2019
31-12
Financial
Weakest financial yearnet €-85k
Net result drops to €-85k, the lowest in the series; recovery starts the following year.
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 27 days late
2017
09-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 9 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Aalst · 1 establishment unit since 2014
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Zijpstraat 779308 AalstGround area
1,799 m²
Building footprint
104 m²
Volume, LiDAR
620 m³
Parcel 41029C0193/00K000, Flanders · tallest building 10.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JULAM
since 20142.232.390.860
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41029C0193/00K000 | Flanders | 1,799 m² | 1 · 104 m² | 10.3 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
PINCHART PATRICK
BE 0678.403.350
Wavre · Eq €3k
LammensCC
BE 0712.861.017
Ronse · Eq €3k
EIGHT DAYS A WEEK
BE 0723.755.503
Oostende · Eq €3k
L&O Consult
BE 1017.257.608
Kontich · Eq €3k
Serendipity Ventures
BE 1017.255.430
Zemst · Eq €3k
Of 24,640 companies in sector 64210 we hold annual accounts for 19,693. 2,423 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-06-2014
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
47721Retail sale of footwear
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.