Summary
JULLO 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 €225,753 and a net result of €34,327. Equity is growing by ~34% per year across the filed fiscal years. Its solvency ranks better than 81% of 8102 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 Checked 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.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 13-08-2026, 13 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 6 filingsDeviation from the deadline
2025
13 d late
2024
26 d late
2023
31 d early
2022
18 d early
2021
3 d early
2020
23 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 6 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 28 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€225,753▲ 17.4%
2024 · €192,259
Net result
€34,327▼ 17.8%
2024 · €41,762
Total assets
€271,052▲ 24.0%
2024 · €218,528
Solvency
83.3%▼ 4.7pp
2024 · 88.0%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, 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€31,181▲ 34.4%€82,859▲ 166%€78,515▼ 5.2%€64,465▼ 17.9%€54,779▼ 15.0%
Net result€22,492within the sector's middle half▲ 36.3%€59,429within the sector's middle half▲ 164%€51,111within the sector's middle half▼ 14.0%€41,762within the sector's middle half▼ 18.3%€34,327within the sector's middle half▼ 17.8%
Equity€42,390within the sector's middle half▲ 105%€101,019within the sector's middle half▲ 138%€151,330within the sector's middle half▲ 49.8%€192,259within the sector's middle half▲ 27.0%€225,753within the sector's middle half▲ 17.4%
Total assets€54,511below the sector's middle half▲ 87.5%€124,563below the sector's middle half▲ 129%€171,625within the sector's middle half▲ 37.8%€218,528within the sector's middle half▲ 27.3%€271,052within the sector's middle half▲ 24.0%
Debt€12,121▲ 44.8%€23,544▲ 94.2%€20,295▼ 13.8%€26,269▲ 29.4%€45,299▲ 72.4%
Working capital€41,300within the sector's middle half▲ 99.5%€100,508within the sector's middle half▲ 143%€151,331within the sector's middle half▲ 50.6%€193,047above the sector's middle half▲ 27.6%€157,287above the sector's middle half▼ 18.5%
Solvency77.8%above the sector's middle half▲ 6.6pp81.1%above the sector's middle half▲ 3.3pp88.2%above the sector's middle half▲ 7.1pp88.0%above the sector's middle half▼ 0.2pp83.3%above the sector's middle half▼ 4.7pp
Current ratio4.41above the sector's middle half▲ 0.935.31above the sector's middle half▲ 0.908.58above the sector's middle half▲ 3.288.58above the sector's middle half=4.55above the sector's middle half▼ 4.02
Return on assets (ROA)41.3%above the sector's middle half▼ 15.5pp47.7%above the sector's middle half▲ 6.4pp29.8%above the sector's middle half▼ 17.9pp19.1%within the sector's middle half▼ 10.7pp12.7%within the sector's middle half▼ 6.4pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, 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
The operating result has fallen three years in a row; 2025 is 15% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €271,052
Fixed assets
€69,492
Current assets
€201,560
Equity and liabilities €271,052
Equity
€225,753 ▲ 17.4%
Debt
€45,299 ▲ 72.4%
Debt's share of the balance-sheet total rises from 12.0% to 16.7%. Equity and debt are higher.
Key figures and ratios
ROE
15.2%▼
2024 · 21.7%
Debt ≤ 1 year
€44,273▲
2024 · €25,481
Income taxes
€19,359▼
2024 · €21,842
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €50 | €380 | €380 | €330 | €1,084 | ▲ 228% |
| Other operating charges640/8 | €459 | €460 | €499 | €513 | €528 | ▲ 2.8% |
| Gross operating margin9900 | €31,689 | €83,699 | €79,394 | €65,309 | €56,391 | ▼ 13.7% |
| Operating profit (loss)9901 | €31,181 | €82,859 | €78,515 | €64,465 | €54,779 | ▼ 15.0% |
| Financial income75/76B | - | - | €30 | €0 | - | - |
| Recurring financial income75 | - | - | €30 | €0 | - | - |
| Financial charges65/66B | €40 | €321 | €526 | €861 | €1,093 | ▲ 27.0% |
| Recurring financial charges65 | €40 | €321 | €526 | €861 | €1,093 | ▲ 27.0% |
| Profit (loss) for the period before taxes9903 | €31,142 | €82,538 | €78,019 | €63,604 | €53,686 | ▼ 15.6% |
| Income taxes67/77 | €8,650 | €23,109 | €26,908 | €21,842 | €19,359 | ▼ 11.4% |
| Profit (loss) for the period9904 | €22,492 | €59,429 | €51,111 | €41,762 | €34,327 | ▼ 17.8% |
| Profit (loss) for the period to be appropriated9905 | €22,492 | €59,429 | €51,111 | €41,762 | €34,327 | ▼ 17.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €54,511 | €124,563 | €171,625 | €218,528 | €271,052 | ▲ 24.0% |
| Fixed assets21/28 | €1,090 | €710 | €330 | €0 | €69,492 | - |
| Tangible fixed assets22/27 | €1,090 | €710 | €330 | €0 | €69,492 | - |
| Land and buildings22 | - | - | - | - | €69,492 | - |
| Furniture and vehicles24 | €1,090 | €710 | €330 | €0 | - | - |
| Current assets29/58 | €53,421 | €123,853 | €171,295 | €218,528 | €201,560 | ▼ 7.8% |
| Stocks and contracts in progress3 | €3,109 | €4,859 | €4,859 | €4,859 | €4,859 | = |
| Stocks30/36 | €3,109 | €4,859 | €4,859 | €4,859 | €4,859 | = |
| Amounts receivable within one year40/41 | €8,989 | €12,854 | €11,252 | €40,182 | €28,233 | ▼ 29.7% |
| Trade receivables40 | €8,470 | €12,100 | €11,252 | €40,182 | €27,961 | ▼ 30.4% |
| Other amounts receivable41 | €519 | €754 | €0 | - | €272 | - |
| Cash at bank and in hand54/58 | €41,076 | €105,893 | €154,933 | €173,240 | €168,468 | ▼ 2.8% |
| Deferred charges and accrued income490/1 | €246 | €246 | €250 | €246 | €0 | ▼ 100% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €54,511 | €124,563 | €171,625 | €218,528 | €271,052 | ▲ 24.0% |
| Equity10/15 | €42,390 | €101,019 | €151,330 | €192,259 | €225,753 | ▲ 17.4% |
| Contributions10/11 | €5,000 | €5,000 | €5,000 | €5,000 | €5,000 | = |
| Reserves13 | €37,390 | €96,019 | €146,330 | €187,259 | €220,753 | ▲ 17.9% |
| Distributable reserves133 | €37,390 | €96,019 | €146,330 | €187,259 | €220,753 | ▲ 17.9% |
| Profit (loss) carried forward14 | €0 | €0 | €0 | €0 | €0 | - |
| Amounts payable17/49 | €12,121 | €23,544 | €20,295 | €26,269 | €45,299 | ▲ 72.4% |
| Amounts payable within one year42/48 | €12,121 | €23,345 | €19,964 | €25,481 | €44,273 | ▲ 73.7% |
| Trade debts44 | €924 | €1,303 | €872 | €145 | €8,557 | ▲ 5,786% |
| Suppliers440/4 | €924 | €1,303 | €872 | €145 | €8,557 | ▲ 5,786% |
| Taxes, remuneration and social security45 | €4,909 | €11,795 | €8,162 | €10,803 | €16,124 | ▲ 49.3% |
| Taxes450/3 | €4,909 | €11,795 | €8,162 | €10,803 | €16,124 | ▲ 49.3% |
| Other amounts payable47/48 | €6,288 | €10,247 | €10,930 | €14,532 | €19,591 | ▲ 34.8% |
| Accrued charges and deferred income492/3 | - | €199 | €332 | €788 | €1,026 | ▲ 30.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €22,492 | €59,429 | €51,111 | €41,762 | €34,327 | ▼ 17.8% |
| + Depreciation and write-downs630 | €50 | €380 | €380 | €330 | €1,084 | ▲ 228% |
| Operating cash flow (approximation) | €22,541 | €59,809 | €51,490 | €42,093 | €35,410 | ▼ 15.9% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | -€70,575 | - |
| Change in cash | - | €64,817 | €49,040 | €18,307 | -€4,772 | ▼ 126% |
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
13-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 13 days late
2025
31-12
Financial
Equity above €200,000Eq €225,753 ▲17.4%
6 profitable years in a row build equity to €225,753.
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
30-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €150,000Eq €151,330 ▲49.8%
4 profitable years in a row build equity to €151,330.
13-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2020net €59,429 ▲164%
Operating result €82,859, net result €59,429, both a record.
31-12
Financial
Equity above €100,000Eq €101,019 ▲138%
3 profitable years in a row build equity to €101,019.
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
08-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 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
4 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, Kortrijk · 1 establishment unit since 2019
Ground area
1,098 m²
Building footprint
1,049 m²
Volume, LiDAR
2,389 m³
2 parcels, Flanders · tallest building 24.3 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
JULLO
since 20192.296.683.351
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34353B0046/00Y005 | Flanders | 856 m² | 1 · 844 m² | - |
| 34022G0187/00D003 | Flanders | 243 m² | 1 · 205 m² | 24.3 m · 4 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels 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 19,805. 13,562 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
Founded19-07-2019
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
46180Agents specialised in the wholesale of other particular products
E-invoicing
Reachable via Peppol
Peppol ID
0208:0730888763
Also
9925:BE0730888763
Registered
05-01-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.