JULMA PROJECTS
ActiveJULMA PROJECTS has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-12k) and a net result of €-13k. Equity is shrinking by ~111.2% per year across the filed fiscal years. Its solvency ranks better than 18% of 14038 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
41
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability15=
Solvency22▼-3
Growth32=
Track record94
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity ample (current ratio 2.5 against 1.0 in 2024; short-term debt: 40% and cash: 7.7% of total assets), but equity is negative.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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 →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-2.8%
Return on assets
-3%
Age of the figures
15 mo
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
232425
2023 to 2025 · latest year €-12k
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 22-12-2025, 40 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
40 d early
2024
43 d early
2023
41 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close20-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-12k
2024 · €1k
2023: €15k
2024: €1k
2023 → 2025
Total assets
€450k▼ 2.0%
2024 · €459k
2023: €473k
2024: €459k
2023 → 2025
Net result
€-13k▲ 5.3%
2024 · €-14k
2023: €-10k
2024: €-14k
2023 → 2025
Working capital
€269k
2024 · €-204
2023: €13k
2024: €-204
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€15k-€1k▼ 93.4%€-12k
Operating result€-6k-€-2k▲ 66.1%€-3k▼ 25.7%
Net result€-10k-€-14k▼ 44.2%€-13k▲ 5.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €3k in 2025 against €2k in 2024; the loss grows.
Key figures and ratios
EBITDA
€-2k▼
2024 · €-2k
Cash flow
€-13k▲
2024 · €-14k
Solvency
-2.8%▼
2024 · 0.2%
Current ratio
2.50▲
2024 · 1.00
Quick ratio
0.35▲
2024 · 0.17
Debt / equity
-37.26
ROA
-3.0%▲
2024 · -3.1%
Interest coverage
-0.19▼
2024 · -0.12
Debt
€462k▲
2024 · €458k
Debt ≤ 1 year
€180k▼
2024 · €458k
Debt > 1 year
€282k
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€459k€450k▼
Formation expenses20€1k€700▼
Current assets29/58€458k€449k▼
Stocks and contracts in progress3€379k€386k▲
Stocks30/36€379k€386k▲
Amounts receivable within one year40/41€28k€28k▲
Other amounts receivable41€28k€28k▲
Cash at bank and in hand54/58€51k€35k▼
Equity and liabilities
Total equity and liabilities10/49€459k€450k▼
Equity10/15€1k€-12k▼
Contributions10/11€25k€25k=
Profit (loss) carried forward14€-24k€-37k▼
Amounts payable17/49€458k€462k▲
Amounts payable after more than one year17-€282k
Other amounts payable178/9-€282k
Amounts payable within one year42/48€458k€180k▼
Financial debts43€176k€180k▲
Credit institutions430/8€176k€180k▲
Other amounts payable47/48€282k€0▼
Accrued charges and deferred income492/3-€525
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€510€510=
Other operating charges640/8€115€594▲
Gross operating margin9900€-1k€-1k▼
Operating profit (loss)9901€-2k€-3k▼
Financial charges65/66B€12k€11k▼
Recurring financial charges65€12k€11k▼
Profit (loss) for the period before taxes9903€-14k€-13k▲
Profit (loss) for the period9904€-14k€-13k▲
Profit (loss) for the period to be appropriated9905€-14k€-13k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-24k€-37k▼
Profit (loss) brought forward from the previous period14P€-10k€-24k▼
The notes to these accounts (1 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
2025
22-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-06
Financial
Liquidity doublescurrent ratio 2.50
Current ratio from 1.00 to 2.50; short-term debt falls from €458k to €180k.
2024
19-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
30-06
Financial
Weakest financial yearnet €-14k
Net result drops to €-14k, the lowest in the series; recovery starts the following year.
2023
21-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Roeselare · 1 establishment unit since 2021
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.
Zwingelaarsstraat 208800 RoeselareGround area
1,160 m²
Building footprint
177 m²
Volume, LiDAR
1,064 m³
Parcel 36504D0796/00H000, Flanders · tallest building 11.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JULMA PROJECTS
since 20212.324.008.053
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36504D0796/00H000 | Flanders | 1,160 m² | 1 · 177 m² | 11.4 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
MIA PROJECTS
BE 0755.474.008
Mortsel · Eq €1k
S.V.R. CONSTRUCT
BE 0757.861.691
Overijse · Eq €1k
A&F INVEST
BE 0770.837.818
Haacht · Eq €1k
G. Leys Projects
BE 0777.514.782
Meerhout · Eq €1k
BOUWONDERNEMING DEVA
BE 0870.392.381
Wevelgem · Eq €999
Of 9,695 companies in sector 68121 we hold annual accounts for 7,381. 819 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-10-2021
Fiscal year end30-06
Activities, NACEBEL
68121Development of residential building projects
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.