JULMACO
ActiveJULMACO has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €5.69M and a net result of €104k. Equity remains stable across the filed fiscal years (±0.6% per year). Its solvency ranks better than 90% of 4502 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
94
/ 100
Excellent▲ +29 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability9▲+9
Solvency100=
Growth58▲+26
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €550k at 30 days acceptable
Liquidity ample (current ratio 13.88 against 14.88 in 2024), and 6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 · 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
94%
Return on assets
1.7%
Age of the figures
8 mo
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 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 · 10 filingsDeviation from the deadline
2025
25 d late
2024
44 d early
2023
30 d late
2022
32 d late
2021
29 d late
2020
6 d late
2019
91 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€104k
2024 · €-36k
2018: €71k
2019: €36k
2020: €27k
2021: €-38k
2022: €-32k
2023: €932k
2024: €-36k
2018 → 2025
Working capital
€2.61M▲ 11.6%
2024 · €2.34M
2018: €1.86M
2019: €133k
2020: €756k
2021: €774k
2022: €725k
2023: €2.37M
2024: €2.34M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€4.72M-€4.69M▼ 0.7%€5.62M▲ 19.9%€5.58M▼ 0.6%€5.69M▲ 1.9%
Operating result€-74k-€-67k▲ 10.2%€-52k▲ 21.9%€-82k▼ 57.5%€87k
Net result€-38k-€-32k▲ 13.9%€932k€-36k€104k
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €87k after a loss of €82k in 2024, the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €6.05M
Fixed assets
€3.24M▼ 8.2%
Current assets
€2.81M▲ 12.2%
Equity and liabilities €6.05M
Equity
€5.69M▲ 1.9%
Provisions
€53k▼ 24.6%
Debt
€307k▼ 19.1%
The debt ratio falls from 6.3% to 5.1%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€186k▲
2024 · €16k
Cash flow
€204k▲
2024 · €62k
Solvency
94.0%▲
2024 · 92.5%
Current ratio
13.88▼
2024 · 14.88
Quick ratio
13.88▼
2024 · 14.88
Debt / equity
0.05▼
2024 · 0.07
ROE
1.8%▲
2024 · -0.6%
ROA
1.7%▲
2024 · -0.6%
Interest coverage
20.95▲
2024 · 1.66
Debt
€307k▼
2024 · €380k
Debt ≤ 1 year
€202k▲
2024 · €168k
Debt > 1 year
€105k▼
2024 · €212k
Income taxes
€54k▲
2024 · €30k
Staff costs
€1k▲
2024 · €395
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€6.04M€6.05M▲
Fixed assets21/28€3.53M€3.24M▼
Tangible fixed assets22/27€2.75M€2.46M▼
Land and buildings22€2.62M€2.37M▼
Furniture and vehicles24€131k€93k▼
Financial fixed assets28€777k€777k=
Current assets29/58€2.50M€2.81M▲
Amounts receivable within one year40/41€2.50M€2.79M▲
Trade receivables40€12€2▼
Other amounts receivable41€2.50M€2.79M▲
Cash at bank and in hand54/58€8k€22k▲
Equity and liabilities
Total equity and liabilities10/49€6.04M€6.05M▲
Equity10/15€5.58M€5.69M▲
Contributions10/11€63k€63k=
Capital10€63k€63k=
Issued capital100€63k€63k=
Reserves13€2.52M€2.48M▼
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Tax-exempt reserves132€173k€130k▼
Distributable reserves133€2.34M€2.34M=
Profit (loss) carried forward14€3.00M€3.15M▲
Provisions and deferred taxes16€71k€53k▼
Deferred taxes168€71k€53k▼
Amounts payable17/49€380k€307k▼
Amounts payable after more than one year17€212k€105k▼
Financial debts170/4€212k€105k▼
Amounts payable within one year42/48€168k€202k▲
Current portion of amounts payable after more than one year42€74k€55k▼
Trade debts44€66k€70k▲
Suppliers440/4€66k€70k▲
Taxes, remuneration and social security45€4k€52k▲
Taxes450/3€4k€52k▲
Other amounts payable47/48€24k€25k▲
Income statement
Code20242025
Non-recurring operating income76A-€227k
Remuneration, social security and pensions62€395€1k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€98k€100k▲
Other operating charges640/8€21k€3k▼
Gross operating margin9900€37k€191k▲
Operating profit (loss)9901€-82k€87k▲
Financial income75/76B€69k€63k▼
Recurring financial income75€69k€63k▼
Financial charges65/66B€9k€9k▼
Recurring financial charges65€9k€9k▼
Profit (loss) for the period before taxes9903€-23k€140k▲
Transfer from deferred taxes780€17k€17k=
Income taxes67/77€30k€54k▲
Profit (loss) for the period9904€-36k€104k▲
Transfer from tax-exempt reserves789€42k€42k=
Profit (loss) for the period to be appropriated9905€7k€146k▲
Appropriation of the result
Profit (loss) to be appropriated9906€3.00M€3.15M▲
Profit (loss) brought forward from the previous period14P€3.00M€3.00M▲
Social balance
Average headcount (FTE)9087-0.0
The notes to these accounts (16 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
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 25 days late
2025
31-12
Financial
Back to profitnet €104k
Net result €104k after one loss-making year.
17-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 30 days late
2023
31-12
Financial
Back to profitnet €932k
Net result €932k after 2 loss-making years.
31-12
Financial
Liquidity triplescurrent ratio 16.17
Current ratio from 6.31 to 16.17.
31-12
Financial
Equity above €5MEq €5.62M ▲19.9%
Equity rises from €4.69M to €5.62M.
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 32 days late
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
31-12
Financial
Weakest financial yearnet €-38k ▼238%
Net result drops to €-38k, the lowest in the series; recovery starts the following year.
06-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 6 days late
2020
31-12
Financial
Liquidity quadruplescurrent ratio 4.31
Current ratio from 1.12 to 4.31; short-term debt falls from €1.11M to €228k.
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
2019
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 31 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Schilde · 1 establishment unit since 2000
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.
Wijnegemsteenweg 222970 SchildeGround area
647 m²
Building footprint
401 m²
Volume, LiDAR
252 m³
Parcel 11041B0587/00G000, Flanders · tallest building 25.3 m. Linked by address, not a title deed.
1 establishment unit
Wijnegemsteenweg 22, 2970 Schilde
since 20002.116.045.496
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11041B0587/00G000 | Flanders | 647 m² | 1 · 401 m² | 25.3 m |
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
MACRIFI
BE 0438.836.908
Oostende · Eq €5.69M
Flaximmo
BE 0508.634.841
Tielt · Eq €5.68M
ARBORES
BE 0412.767.464
Knokke-Heist · Eq €5.68M
DEMALIS
BE 0434.193.774
Deinze · Eq €5.70M
BENSOPH
BE 0471.874.514
Merksplas · Eq €5.67M
Of 9,093 companies in sector 68201 we hold annual accounts for 6,724. 2,943 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded02-12-1999
Fiscal year end31-12
Activities, NACEBEL
68201Renting and operating of own or leased residential real estate, excluding social housing
68110Buying and selling of own real estate
68203Renting and operating of own or leased non-residential real estate, excluding land
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.