JULMARI
ActiveThe computed 12-month bankruptcy probability of JULMARI is 1.6% (moderate). The 2025 annual accounts show equity of €9k and a net result of €12k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 92% of 10345 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
86
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100▲+100
Growth78▲+20
Track record94
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 6.84 against 0.73 in 2024; short-term debt: 14.6% and cash: 90.5% of total assets), and 14.6% 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+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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
85.4%
Return on assets
114.4%
Age of the figures
9 mo
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 09-06-2026, 52 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
52 d early
2024
36 d early
2023
47 d early
2022
18 d early
2021
60 d early
← 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, abbreviated schema
Equity
€9k
2024 · €-3k
2021: €6k
2022: €15k
2023: €-16k
2024: €-3k
2021 → 2025
Total assets
€11k▲ 6.7%
2024 · €10k
2021: €20k
2022: €32k
2023: €7k
2024: €10k
2021 → 2025
Net result
€12k▼ 1.3%
2024 · €13k
2021: €651
2022: €9k
2023: €-31k
2024: €13k
2021 → 2025
Working capital
€9k
2024 · €-4k
2021: €3k
2022: €7k
2023: €-20k
2024: €-4k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€6k-€15k▲ 163%€-16k€-3k▲ 80.0%€9k
Operating result€2k-€12k▲ 579%€-30k€13k€12k▼ 1.3%
Net result€651-€9k▲ 1,310%€-31k€13k€12k▼ 1.3%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 1% below 2024.
Balance-sheet composition
Equity and liabilities €11k
Equity
€9k
Debt
€2k
Debt finances 14.6% of the balance-sheet total.
Key figures and ratios
EBITDA
€13k▼
2024 · €17k
Cash flow
€13k▼
2024 · €17k
Solvency
85.4%▲
2024 · -30.9%
Current ratio
6.84▲
2024 · 0.73
Quick ratio
6.84▲
2024 · 0.73
Debt / equity
0.17▲
2024 · -4.23
ROE
134.0%
ROA
114.4%▼
2024 · 123.7%
Interest coverage
287.09▲
2024 · 175.30
Debt
€2k▼
2024 · €13k
Debt ≤ 1 year
€2k▼
2024 · €13k
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€10k€11k▲
Fixed assets21/28€471-
Tangible fixed assets22/27€471-
Plant, machinery and equipment23€175-
Furniture and vehicles24€295-
Current assets29/58€10k€11k▲
Amounts receivable within one year40/41€9k€1k▼
Trade receivables40€230€145▼
Other amounts receivable41€9k€883▼
Cash at bank and in hand54/58€384€10k▲
Equity and liabilities
Total equity and liabilities10/49€10k€11k▲
Equity10/15€-3k€9k▲
Contributions10/11€5k€5k=
Reserves13€500€4k▲
Distributable reserves133€500€4k▲
Profit (loss) carried forward14€-9k-
Amounts payable17/49€13k€2k▼
Amounts payable within one year42/48€13k€2k▼
Trade debts44€2k€458▼
Suppliers440/4€2k€458▼
Taxes, remuneration and social security45€11k€1k▼
Taxes450/3€9k€1k▼
Remuneration and social security454/9€2k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€471▼
Other operating charges640/8€449€462▲
Gross operating margin9900€17k€13k▼
Operating profit (loss)9901€13k€12k▼
Financial income75/76B€58-
Recurring financial income75€58-
Financial charges65/66B€96€45▼
Recurring financial charges65€96€45▼
Profit (loss) for the period before taxes9903€13k€12k▼
Income taxes67/77€9-
Profit (loss) for the period9904€13k€12k▼
Profit (loss) for the period to be appropriated9905€13k€12k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-9k€4k▲
Profit (loss) brought forward from the previous period14P€-21k€-9k▲
Transfer to equity691/2-€4k
To other reserves6921-€4k
The notes to these accounts (4 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
09-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Liquidity times 9current ratio 6.84
Current ratio from 0.73 to 6.84; short-term debt falls from €13k to €2k.
25-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Back to profitnet €13k
Net result €13k after one loss-making year.
14-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Weakest financial yearnet €-31k ▼433%
Net result drops to €-31k, the lowest in the series; recovery starts the following year.
13-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
01-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated 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, Zonhoven · 1 establishment unit since 2020
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.
Roerdompstraat 113520 ZonhovenGround area
688 m²
Building footprint
222 m²
Volume, LiDAR
846 m³
Parcel 71442D0124/00Z020, Flanders · tallest building 5.7 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
JULMARI
since 20202.308.833.293
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71442D0124/00Z020 | Flanders | 688 m² | 1 · 222 m² | 5.7 m · 1 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
BRIPOL
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Encotrak.com
BE 0746.739.652
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NUTRAJO
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POISSON ARDENT
BE 1021.676.947
Liège · Eq €9k
Of 12,959 companies in sector 47120 we hold annual accounts for 2,190. 1,201 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-09-2020
Fiscal year end31-12
Activities, NACEBEL
47120Other non-specialised retail sale
47910Retail trade
73300Public relations and communication consultancy
93299Other amusement and recreation activities
46497Wholesale trade
47554Retail trade
47639Retail sale of other sporting goods
47640Retail sale of games and toys
47650Retail trade
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
Sources
Crossroads Bank for EnterprisesNational Bank · 5 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.