Julam
ActiveJulam has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €111k and a net result of €5k. Equity is shrinking by ~3.9% per year across the filed fiscal years. Its solvency ranks better than 38% of 13898 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability24▲+24
Solvency16▲+5
Growth52▲+20
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days only on tighter terms
Liquidity short (current ratio 0.76 against 0.52 in 2024), and 83.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 68
Relative position
BE, all sectors
reference
Sector 68
lower
← 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
16.1%
Return on assets
0.8%
Age of the figures
11 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 10-03-2026, 51 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
51 d early
2024
30 d early
2023
9 d early
2022
20 d early
2021
5 d early
2020
8 d early
2019
3 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
13-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€111k▲ 5.0%
2024 · €105k
2018: €110k
2019: €134k
2020: €147k
2021: €139k
2022: €133k
2023: €107k
2024: €105k
2018 → 2025
Total assets
€689k▲ 1.2%
2024 · €681k
2018: €716k
2019: €717k
2020: €715k
2021: €738k
2022: €733k
2023: €677k
2024: €681k
2018 → 2025
Net result
€5k
2024 · €-2k
2018: €58k
2019: €29k
2020: €13k
2021: €-8k
2022: €-7k
2023: €-26k
2024: €-2k
2018 → 2025
Working capital
€-59k▲ 59.2%
2024 · €-145k
2018: €-47k
2019: €-35k
2020: €-22k
2021: €-49k
2022: €-74k
2023: €-122k
2024: €-145k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€139k-€133k▼ 4.7%€107k▼ 19.2%€105k▼ 1.9%€111k▲ 5.0%
Operating result€6k-€7k▲ 26.8%€-12k€8k€16k▲ 97.3%
Net result€-8k-€-7k▲ 13.6%€-26k▼ 290%€-2k▲ 92.1%€5k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 97% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €689k
Fixed assets
€505k▼ 3.1%
Current assets
€184k▲ 15.1%
Equity and liabilities €689k
Equity
€111k▲ 5.0%
Debt
€579k▲ 0.5%
The debt ratio falls from 84.5% to 83.9%: equity grows faster than debt.
Key figures and ratios
EBITDA
€36k▲
2024 · €28k
Cash flow
€25k▲
2024 · €18k
Solvency
16.1%▲
2024 · 15.5%
Current ratio
0.76▲
2024 · 0.52
Quick ratio
0.76▲
2024 · 0.52
Debt / equity
5.23▼
2024 · 5.46
ROE
4.8%▲
2024 · -1.9%
ROA
0.8%▲
2024 · -0.3%
Interest coverage
2.16▲
2024 · 1.93
Debt
€579k▲
2024 · €576k
Debt ≤ 1 year
€243k▼
2024 · €305k
Debt > 1 year
€334k▲
2024 · €270k
Income taxes
€667▼
2024 · €983
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€681k€689k▲
Fixed assets21/28€521k€505k▼
Tangible fixed assets22/27€521k€505k▼
Land and buildings22€515k€499k▼
Plant, machinery and equipment23€2k€2k▼
Furniture and vehicles24€3k€3k▲
Leasing and similar rights25€733-
Financial fixed assets28€600€600=
Current assets29/58€160k€184k▲
Amounts receivable after more than one year29€120k€120k=
Other amounts receivable291€120k€120k=
Amounts receivable within one year40/41€31k€60k▲
Trade receivables40-€13k
Other amounts receivable41€31k€47k▲
Cash at bank and in hand54/58€5€53▲
Deferred charges and accrued income490/1€8k€3k▼
Equity and liabilities
Total equity and liabilities10/49€681k€689k▲
Equity10/15€105k€111k▲
Contributions10/11€75k€75k=
Reserves13€31k€31k=
Non-distributable reserves130/1€13k€13k=
Reserves not available under the articles1311€13k€13k=
Tax-exempt reserves132€19k€19k=
Profit (loss) carried forward14€-1k€4k▲
Amounts payable17/49€576k€579k▲
Amounts payable after more than one year17€270k€334k▲
Financial debts170/4€270k€234k▼
Other amounts payable178/9-€100k
Amounts payable within one year42/48€305k€243k▼
Current portion of amounts payable after more than one year42€39k€37k▼
Financial debts43€4k€5k▲
Credit institutions430/8€4k€5k▲
Trade debts44€23k€14k▼
Suppliers440/4€23k€14k▼
Taxes, remuneration and social security45€34k€8k▼
Taxes450/3€34k€8k▼
Other amounts payable47/48€205k€179k▼
Accrued charges and deferred income492/3€480€2k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k€20k▼
Other operating charges640/8€5k€6k▲
Gross operating margin9900€33k€42k▲
Operating profit (loss)9901€8k€16k▲
Financial income75/76B€5k€6k▲
Recurring financial income75€5k€6k▲
Financial charges65/66B€15k€17k▲
Recurring financial charges65€15k€17k▲
Profit (loss) for the period before taxes9903€-1k€6k▲
Income taxes67/77€983€667▼
Profit (loss) for the period9904€-2k€5k▲
Profit (loss) for the period to be appropriated9905€-2k€5k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-1k€4k▲
Profit (loss) brought forward from the previous period14P€932€-1k▼
The notes to these accounts (7 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
10-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Back to profitnet €5k
Net result €5k after 4 loss-making years.
31-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
21-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Weakest financial yearnet €-26k
Net result drops to €-26k, the lowest in the series; recovery starts the following year.
10-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
25-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
22-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
27-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
22-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
29-04
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 director, no change since 2023
GEERTS Stefan André Julia
CurrentDirector · since 28-12-2023
28-12-2023
Appointed as Director
Location & real-estate footprint
Registered office, Westerlo · 1 establishment unit since 2009
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.
Gevaertlaan 1402260 WesterloGround area
1,121 m²
Building footprint
171 m²
Volume, LiDAR
956 m³
Parcel 13049D0002/00H002, Flanders · tallest building 6.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Julam
since 20092.183.467.030
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13049D0002/00H002 | Flanders | 1,120 m² | 1 · 171 m² | 6.4 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
DL REAL ESTATE
BE 0766.541.906
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JACO PROPERTIES
BE 0478.197.429
Ukkel · Eq €111k
PENTAGOLD
BE 1003.235.762
Wevelgem · Eq €111k
IS.WAASMUNSTER
BE 0475.691.661
Waasmunster · Eq €110k
CAFE CORRETTO
BE 0555.955.795
La Louvière · Eq €111k
Of 7,288 companies in sector 68110 we hold annual accounts for 5,354. 3,722 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-12-2009
Fiscal year end30-09
Activities, NACEBEL
68110Buying and selling of own real estate
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.