Juliemma 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 €258k and a net result of €58k. Equity is growing by ~10.3% per year across the filed fiscal years. Its solvency ranks better than 50% of 8018 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health 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.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 28-05-2026, 64 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
64 d early
2024
27 d late
2023
13 d early
2022
7 d early
2021
16 d late
2020
20 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€258k▼ 38.6%
2024 · €420k
2020: €246k
2021: €314k
2022: €351k
2023: €365k
2024: €420k
2020 → 2025
Net result
€58k▲ 6.4%
2024 · €55k
2020: €96k
2021: €68k
2022: €38k
2023: €16k
2024: €55k
2020 → 2025
Total assets
€503k▲ 2.5%
2024 · €491k
2020: €524k
2021: €546k
2022: €539k
2023: €488k
2024: €491k
2020 → 2025
Solvency
51.2%▼ 34.3pp
2024 · 85.5%
2020: 46.9%
2021: 57.4%
2022: 65.2%
2023: 74.8%
2024: 85.5%
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€314k-€351k▲ 12.0%€365k▲ 3.9%€420k▲ 15.0%€258k▼ 38.6%
Operating result€94k-€53k▼ 43.4%€34k▼ 35.7%€75k▲ 119%€79k▲ 5.3%
Net result€68k-€38k▼ 44.4%€16k▼ 57.3%€55k▲ 240%€58k▲ 6.4%
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 5% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €503k
Fixed assets
€450k=
Current assets
€53k▲ 29.4%
Equity and liabilities €503k
Equity
€258k▼ 38.6%
Debt
€246k▲ 244%
The debt ratio rises from 14.5% to 48.8%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
51.2%▼
2024 · 85.5%
ROE
22.6%▲
2024 · 13.1%
ROA
11.6%▲
2024 · 11.2%
Debt
€246k▲
2024 · €71k
Debt ≤ 1 year
€246k▲
2024 · €56k
Income taxes
€19k▲
2024 · €18k
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€491k€503k▲
Fixed assets21/28€450k€450k=
Financial fixed assets28€450k€450k=
Current assets29/58€41k€53k▲
Amounts receivable within one year40/41€2k€32k▲
Trade receivables40-€31k
Other amounts receivable41€2k€617▼
Cash at bank and in hand54/58€39k€22k▼
Equity and liabilities
Total equity and liabilities10/49€491k€503k▲
Equity10/15€420k€258k▼
Contributions10/11€150k€150k=
Reserves13€250k€85k▼
Distributable reserves133€250k€85k▼
Profit (loss) carried forward14€20k€23k▲
Amounts payable17/49€71k€246k▲
Amounts payable after more than one year17€16k-
Financial debts170/4€16k-
Amounts payable within one year42/48€56k€246k▲
Current portion of amounts payable after more than one year42€47k€22k▼
Trade debts44€267€267=
Suppliers440/4€267€267=
Taxes, remuneration and social security45€7k€34k▲
Taxes450/3€7k€34k▲
Other amounts payable47/48€2k€189k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€141-
Other operating charges640/8€387€400▲
Gross operating margin9900€75k€79k▲
Operating profit (loss)9901€75k€79k▲
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€73k€78k▲
Income taxes67/77€18k€19k▲
Profit (loss) for the period9904€55k€58k▲
Profit (loss) for the period to be appropriated9905€55k€58k▲
Appropriation of the result
Profit (loss) to be appropriated9906€72k€78k▲
Profit (loss) brought forward from the previous period14P€17k€20k▲
Transfer from equity791/2-€221k
Transfer to equity691/2€53k€55k▲
To other reserves6921€53k€55k▲
Profit to be distributed694/7-€221k
Return on contributions (dividend)694-€221k
The notes to these accounts (2 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
28-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
18-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €16k ▼57.3%
Net result drops to €16k, the lowest in the series; recovery starts the following year.
24-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
16-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 16 days late
2021
20-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 20 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, Scherpenheuvel-Zichem · 1 establishment unit since 2019
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.
Ten Bosch 183271 Scherpenheuvel-ZichemGround area
887 m²
Building footprint
176 m²
Volume, LiDAR
941 m³
Parcel 24005D0272/00G000, Flanders · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Juliemma
since 20192.287.942.562
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24005D0272/00G000 | Flanders | 887 m² | 1 · 176 m² | 8.6 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.
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,762. 13,680 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-04-2019
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
63920Other information service activities
63990Computing infrastructure, data processing, hosting and other information service activities
70100Activities of head offices
70200Business and other management consultancy
70220Business consulting
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:0476511545