Summary
JULO 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 €22,116 and a net result of €9,409. Its solvency ranks better than 61% of 6,687 sector peers (NACE 64, financial year 2025). The company has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Overview
Official details
Source: KBO- Status
- Active since 26-10-2023 Normal situation
- Activity
- Activities of holding companies NACE 64210and 2 others
- Establishment unit
- 2.351.474.295 3500 Hasselt, since 26-10-2023
- Financial year end
- 31 December
- Peppol
- Reachable since 12-09-2025
Board and ownership
Board
- VERJANS,Helena Renée MariaDirector · since 25-10-2023
Shareholders
- Helena Verjans100%annual accounts 2024
Financial position
Financial institution: outside the modelBankruptcy probability: sector outside the model
Annual accounts 2025
- Profit
- €9,409
- ▼ 3.1%
- Equity
- €22,116
- ▲ 74.0%
- Total assets
- €35,205
- ▼ 10.1%
Filed on 01-07-2026, 30 days before the deadline
SignalsneutralLatest accounts filed on timeShow the evidence
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score measures liquidity, leverage and margins against the norms for trading and manufacturing companies. A bank, insurer or financial holding has a very different balance sheet. Those ratios and the score mean nothing here. So there is no financial strength either.
Bankruptcy probability within 12 months
The company is a financial institution: a bank, insurer or financial holding. Its balance sheet works differently from that of a trading or manufacturing company. A bankruptcy probability from the general model would mislead here.
Credit check for an amount and term of your choice
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
1 signal.
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 01-07-2026, 30 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
30 days early
2024
16 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 2 accounts on average 23 days before the deadline. In the sector (NACE 64), the median for financial year 2024 was 14 days before the deadline, and 28% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsWhere today falls in the filing period
02-11-2026 today31-12-2026 year end31-07-2027 deadline
Financials
Financials · financial year 2025, abbreviated format
Annual accounts 2025 filed on 01-07-2026 at the NBB all 2 filings
Equity
€22,116▲ 74.0%
2024 · €12,707
Net result
€9,409▼ 3.1%
2024 · €9,707
Total assets
€35,205▼ 10.1%
2024 · €39,157
Solvency
62.8%▲ 30.4pp
2024 · 32.5%
Trend over the years
2024 to 2025, 2 financial years
The operating result for 2025 is 7% lower than in 2024.
Operating result€13,216
2025
Net result€9,409
2025
Total assets€35,205
2025
Equity€22,116
2025
Debt€13,089
2025
Working capital€18,903
2025
Return on assets (ROA)26.7%
2025
Solvency62.8%
2025
Current ratio2.44
2025
Turnover is what the company sold, the result is what was left of it. A loss stands below the zero line.
Assets, equity and debt per financial year.
Above zero, the company can pay its short-term debts with what it holds in the short term.
The EBIT margin is the share of each euro of turnover left from operations. The return on assets is what the assets earn.
The higher the solvency, the better the company absorbs a setback.
A ratio above 1 means the short-term assets cover the short-term debts.
Use the arrow keys on the chart for the figures per year.
The sector band is the middle half of the companies in Financial service activities, except insurance and pension funding (NACE 64). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30. The dashed line is the median. There is a sector band for net result, equity, total assets, working capital, solvency, current ratio and return on assets (ROA).
Every figure with its change against the financial year before
favourable
unfavourable
Line20242025
Operating result€14,142-€13,216▼ 6.5%
Net result€9,707within the sector's middle half-€9,409within the sector's middle half▼ 3.1%
Equity€12,707below the sector's middle half-€22,116below the sector's middle half▲ 74.0%
Total assets€39,157below the sector's middle half-€35,205below the sector's middle half▼ 10.1%
Debt€26,449-€13,089▼ 50.5%
Working capital€7,666within the sector's middle half-€18,903within the sector's middle half▲ 147%
Solvency32.5%within the sector's middle half-62.8%within the sector's middle half▲ 30.4pp
Current ratio1.29within the sector's middle half-2.44within the sector's middle half▲ 1.15
Return on assets (ROA)24.8%above the sector's middle half-26.7%above the sector's middle half▲ 1.9pp
above
within
below
The sector band is the middle half of the companies in Financial service activities, except insurance and pension funding (NACE 64). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30.
Turnover and EBIT margin are not published. The abbreviated format does not require them. The turnover shown is an estimate from the gross margin.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €35,205
Fixed assets
€3,213 ▼ 36.3%
Current assets
€31,992 ▼ 6.2%
Equity and liabilities €35,205
Equity
€22,116 ▲ 74.0%
Debt
€13,089 ▼ 50.5%
Debt's share of the balance-sheet total falls from 67.5% to 37.2%. Equity is higher and debt is lower.
Key figures and ratios
ROE
42.5%▼
2024 · 76.4%
Debt ≤ 1 year
€13,089▼
2024 · €26,449
Income taxes
€4,362▼
2024 · €4,384
Green means a favourable move, even when the figure itself falls, as with debt or debt to equity.
Investments
| Item | 2024 | 2025 |
|---|---|---|
| Tangible fixed assets | €6,153 | - |
| Depreciation and write-downs of the year | €1,111 | €1,829 |
Source: notes to the 2024 to 2025 annual accounts (statement of fixed assets)
Comparable companies
These companies have the same main activity as JULO: activities of holding companies (NACE 64210). They are comparable in size and age: total assets between €28,900 and €42,600, founded between 2023 and 2024.
| Company | Founded | Total assets | Equity | Gross margin | Net result | Financial year |
|---|---|---|---|---|---|---|
| JULO Hasselt | 2023 | €35,205 | €22,116 | €15,417 | €9,409 | 2025 |
| SNELLINX MANAGEMENT Bilzen-Hoeselt | 2023 | €36,987 | €22,850 | €15,793 | €9,384 | 2025 |
| VdeW Consultancy Maaseik | 2023 | €31,277 | -€21,816 | €13,356 | €1,498 | 2025 |
| MarcEls Zonhoven | 2024 | €42,598 | €28,555 | €16,503 | €9,998 | 2025 |
| Figmo Maaseik | 2023 | €28,876 | €9,715 | €17,564 | €7,715 | 2025 |
| Welverdiend Genk | 2024 | €31,553 | €15,604 | €17,224 | €11,604 | 2025 |
| Nems Mortsel | 2024 | €36,674 | €26,510 | €15,651 | €10,508 | 2025 |
They were chosen from the 20,095 other active companies with that main activity and annual accounts from the past two years. All companies with this main activity
Annual accounts
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,111 | €1,829 | ▲ 64.5% |
| Other operating charges640/8 | €167 | €373 | ▲ 123% |
| Gross operating margin9900 | €15,420 | €15,417 | = |
| Operating profit (loss)9901 | €14,142 | €13,216 | ▼ 6.5% |
| Financial income75/76B | €257 | €691 | ▲ 169% |
| Recurring financial income75 | €257 | €691 | ▲ 169% |
| Financial charges65/66B | €308 | €136 | ▼ 55.7% |
| Recurring financial charges65 | €308 | €136 | ▼ 55.7% |
| Profit (loss) for the period before taxes9903 | €14,091 | €13,771 | ▼ 2.3% |
| Income taxes67/77 | €4,384 | €4,362 | ▼ 0.5% |
| Profit (loss) for the period9904 | €9,707 | €9,409 | ▼ 3.1% |
| Profit (loss) for the period to be appropriated9905 | €9,707 | €9,409 | ▼ 3.1% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €39,157 | €35,205 | ▼ 10.1% |
| Fixed assets21/28 | €5,042 | €3,213 | ▼ 36.3% |
| Tangible fixed assets22/27 | €5,042 | €3,213 | ▼ 36.3% |
| Plant, machinery and equipment23 | €920 | €488 | ▼ 47.0% |
| Furniture and vehicles24 | €4,122 | €2,725 | ▼ 33.9% |
| Current assets29/58 | €34,115 | €31,992 | ▼ 6.2% |
| Amounts receivable within one year40/41 | €11,497 | €27,240 | ▲ 137% |
| Trade receivables40 | €3,025 | €9,559 | ▲ 216% |
| Other amounts receivable41 | €8,472 | €17,681 | ▲ 109% |
| Cash at bank and in hand54/58 | €19,338 | €2,389 | ▼ 87.6% |
| Deferred charges and accrued income490/1 | €3,280 | €2,363 | ▼ 27.9% |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €39,157 | €35,205 | ▼ 10.1% |
| Equity10/15 | €12,707 | €22,116 | ▲ 74.0% |
| Contributions10/11 | €3,000 | €3,000 | = |
| Profit (loss) carried forward14 | €9,707 | €19,116 | ▲ 96.9% |
| Amounts payable17/49 | €26,449 | €13,089 | ▼ 50.5% |
| Amounts payable within one year42/48 | €26,449 | €13,089 | ▼ 50.5% |
| Trade debts44 | €900 | €2,013 | ▲ 124% |
| Suppliers440/4 | €900 | €2,013 | ▲ 124% |
| Taxes, remuneration and social security45 | €25,549 | €11,075 | ▼ 56.7% |
| Taxes450/3 | €25,549 | €11,075 | ▼ 56.7% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €9,707 | €9,409 | ▼ 3.1% |
| + Depreciation and write-downs630 | €1,111 | €1,829 | ▲ 64.5% |
| Operating cash flow (approximation) | €10,819 | €11,237 | ▲ 3.9% |
| Investment in fixed assets (approximation) | - | €0 | - |
| Change in cash | - | -€16,949 | - |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Board & ownership
Directors
Directors
1 director, no change since 2023
VERJANS,Helena Renée Maria
Current
Director (not named in the articles) · since 25-10-2023 · term without a fixed end · listed in the 2025 annual accounts, filed on 01-07-2026
Signing authorityThe articles say who may bind the company, for example by signing a contract.
Each director alone
deed of 30-10-2023Owners and capital
Shareholders
1 ownerOwners 1
- Helena Verjansnatural personSourceown accounts 2024100%
Capital transactions
Shareholders according to the deeds
At incorporation
act of 30-10-2023 ↗
- VERJANS,Helena Renée Maria 300 shares (100%) · €3,000 in cash
Capital over time
- 30-10-2023 Incorporation · €3,000 · 300 shares
Articles of association
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- “Met of zonder beperking van duur, 1”
Articles of association, deed of 30-10-2023 (in Dutch)
Network & group
Companies at the same address
1 other companyConnections & network
1 current directorThe network starts from the directors of JULO. Every other company they run is a node.
This company
Company
Director
Shareholding
+N: links not shown yet
Click a node to look further, drag to arrange, zoom with the mouse wheel.
Timeline
Acts, filings and financial milestones
Deadline for the 2026 accounts:
2026
01-07
abbreviated format · 30 days before the deadline
2025
15-07
abbreviated format · 16 days before the deadline
2023
30-10
Gazette deed
IncorporationStarting capital €3,000 · Appointment: VERJANS,Helena Renée Maria (director) · Founder15 points ▸
Gazette deed
Incorporation
Starting capital €3,000 · Appointment: VERJANS,Helena Renée Maria (director) · Founder15 points ▸
- Founder, VERJANS,Helena Renée Maria
- Other provision, “identiteitsverificatie, opzoekingen in het rijksregister” (deed in Dutch)
- Other provision, “bekwaamheid en bevoegdheid, bevoegd en bekwaam” (deed in Dutch)
- Other provision, “toelichting en voorlezing, bijkomende uitleg” (deed in Dutch)
- Other provision, “ontwerp en voorlezing, volledige voorlezing” (deed in Dutch)
- Incorporation, “Julo” (deed in Dutch)
- Founding capital, €3,000
- Other provision, 25-10-2023
- Bank account, “bijzondere rekening namens vennootschap in oprichting”, EUR (deed in Dutch)
- Other provision, “deponering, deponering overeenkomstig Wetboek van vennootschappen en verenigingen” (deed in Dutch)
- Capital
- Registered office clause, “3500 Hasselt,Kasteellaan 49” (deed in Dutch)
- The act holds 3 more points.
Gazette deedNBB filing
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordName
JULO in Dutch
Enterprise number
1001.636.153
Legal form
Private limited company
Status
Active, normale toestand
Founded
26-10-2023
Entity type
Legal entity
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
deed of 30-10-2023 (in Dutch)Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
“Vlaamse Gewest, bestuursorgaan”
deed of 30-10-2023 (in Dutch)Registered office and establishments
Registered office
Kasteellaan 49, 3500 Hasselt, Belgium
Establishment unit
JULO, Kasteellaan 49, 3500 Hasselt since 26-10-2023 · unit number 2.351.474.295
Activities
NACEBEL 202564210
Activities of holding companies main activity
70200
Business and other management consultancy
82990
Other business support services
Codes under NACEBEL 2008
64200
Holdings main activity
70220
Business consulting
82990
Other business support services
PurposeThe purpose describes the activities the company may carry out under its articles.
deed of 30-10-2023 (in Dutch)
“Het verlenen van adviezen,het uitvoeren van interim management,alsook de exploitatie van een studie-,organisatie- en raadgevend bureau dat…”
13 activities
- Het verlenen van adviezen,het uitvoeren van interim management,alsook de exploitatie van een studie-,organisatie- en raadgevend bureau dat advies verleent inzake fiscale,financiële,commerciële,juridische,sociale,technische en managementaangelegenheden,bedrijfsvoering,organisatie,administratie,marketing,ICT,logistiek,promotie,public relations,marketing en communicatie,consultancy,inkoop en verkoop,personeelsaangelegenheden en product(ie)-innovaties en andere administratieve en operationele processen,evenals het ter beschikking stellen,onder welke vorm dan ook,van middelen,benodigdheden,modellen,materiaal,instrumenten,harden software ter bevordering hiervan
- Het geven van cursussen en opleidingen,het organiseren van workshops,studiedagen en seminaries
- Het beheren van bedrijven,onder meer door het uitvoeren van,of het deelnemen in de organisatie,herstructurering of leiding,het geven van adviezen op technisch,commercieel,operationeel,organisatorisch,strategisch,logistiek,juridisch en financieel gebied,dit alles in de breedste zin zodat alles kan gedaan worden dat het ontstaan,de uitbating,de groei en het welzijn van een onderneming en de belangen van haar eigenaars en betrokkenen ten goede kan komen
- Projectontwikkeling: Het leveren van diensten van projectmanagement,waaronder het uitvoeren van haalbaarheidsstudies,het opstellen of het laten opstellen van ontwerpen,plannen en beschrijvingen die in bestekken moeten worden ingelast,het voorbereiden van documenten voor offerte aanvragen,met inbegrip van contractvoorwaarden,het geven van adviezen op technisch vlak,het beheer van de uitvoering van werken,het waarmerken van betalingsaanvragen,het vaststellen van gebreken,het nemen van maatregelen indien er zich omstandigheden zouden voordoen die de stipte uitvoering van werken in het gedrang brengen,het uitvoeren van inspecties en keuringen,het verlenen van bijstand bij voorlopige en definitieve opleveringen
- Voor eigen rekening,voor rekening van derden,of in deelneming met derden: A. Het aanleggen,het oordeelkundig uitbouwen en beheren van een onroerend vermogen,alle verrichtingen met betrekking tot onroerende goederen en onroerende zakelijke rechten zoals de huurfinanciering van onroerende goederen aan derden,het aankopen,verkopen,ruilen,bouwen,verbouwen,onderhouden,verhuren,huren,verkavelen,prospecteren en uitbaten van onroerende goederen;de aan- en verkoop,huur en verhuur van roerende goederen,alsmede alle handelingen die rechtstreeks of onrechtstreeks met dit voorwerp in verband staan en die van aard zijn de opbrengst van de roerende en onroerende goederen te bevorderen,alsmede zich borg te stellen voor het goede verloop van verbintenissen door derde personen aangegaan die het genot zouden hebben van deze roerende en onroerende goederen
- B. Het aanleggen,het oordeelkundig uitbouwen en beheren van een roerend patrimonium,alle verrichtingen met betrekking tot roerende goederen en rechten,van welke aard ook,zoals van aandelen,obligaties,kasbons of andere roerende waarden,van welke vorm ook,van Belgische of buitenlandse bestaande of nog op te richten rechtspersonen en ondernemingen
- C. Het verwerven van participaties in eender welke vorm in alle bestaande of op te richten rechtspersonen en vennootschappen,het stimuleren,de planning,de coördinatie,de ontwikkeling van en de investering in rechtspersonen en ondernemingen waarin zij al of niet een participatie aanhoudt
- D. Het toestaan van leningen en kredietopeningen aan rechtspersonen en ondernemingen of particulieren,onder om het even welke vorm;in dit kader kan zij zich borg stellen of haar aval verlenen,in de meest ruime zin,alle handels- en financiële operaties verrichten behalve die wettelijk voorbehouden zijn aan depositokassen,houders van deposito’s op korte termijn,spaarkassen,hypotheekmaatschappijen en kapitalisatieondernemingen
- E. Het verlenen van adviezen van financiële,technische,commerciële,juridische,fiscale,sociale,technische of administratieve aard;in de ruimste zin,met uitzondering van adviezen inzake beleggingen en geldplaatsingen;bijstand en diensten verlenen,rechtstreeks of onrechtstreeks op het vlak van administratie en financiën,verkoop,productie en algemeen bestuur
- F. Het waarnemen van alle bestuursopdrachten,beheersmandaten,het uitoefenen van opdrachten en functies
- G. Het ontwikkelen,kopen,verkopen,in licentie nemen of geven van octrooien,know how en aanverwante immateriële duurzame activa
- H. Handelsbemiddeling op alle mogelijke vlakken en met alle mogelijke middelen tussen het aanbod van alle mogelijke materiële en immateriële goederen,producten en diensten enerzijds,en de vraag hiernaar anderzijds,inclusief de functie van tussenpersoon in de handel
- I. De commercialisering,de aan- en verkoop,de groot- en kleinhandel,de in- en uitvoer,de huur en verhuur en de distributie van alle soorten goederen en grondstoffen;kortom het voeren van nationale en internationale trading in de meest uitgebreide betekenis van het woord
Invoicing and payment
VAT number
BE 1001.636.153
Financial year and general meeting
Accounts at the NBBFinancial year end
31-12
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
10 June at 20:00
deed of 30-10-2023 (in Dutch)Sites & property
Location
Buildings and parcels at the address
Ground area
722 m²
Building footprint
185 m²
Building volume
1,238 m³
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 71324E0711/00C006 | Flanders | 722 m² | 1 · 185 m² | 10.8 m · 2 |