JuLo
ActiveSummary
JuLo has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The 2026 annual accounts show equity of €101,215 and a net result of €53,354. Its solvency ranks better than 16% of 1,382 sector peers (NACE 70, financial year 2026). The computed 12-month bankruptcy probability is 0.2% (very low).
Overview
Overview
Official details
Source: KBO- Status
- Active since 12-04-2024 Normal situation
- Activity
- Business and other management consultancy NACE 70200and 3 others
- Establishment unit
- 2.358.679.318 3570 Alken, since 12-04-2024
- Financial year end
- 30 June
- Peppol
- Reachable since 21-10-2026
Board and ownership
Board
- JANS Bart JozefDirector · since 11-04-2024
Shareholders
- JANS Bart Jozef300 sharesact of 16-04-2024
- Holdings
- Shares in 1 company JACO
Financial position
- Bankruptcy probabilitywithin 12 months
- 0.2%
Annual accounts to 30-06-2026
- Gross margin
- €57,608
- ▼ 15.8%
- Turnover
- ≈ €120,000
- estimated
- Profit
- €53,354
- ▲ 24.5%
- Equity
- €101,215
- ▲ 111%
- Total assets
- €684,507
- ▲ 1.3%
Score breakdownraises riskLiquidity: current ratio 0.95, cash €9,904, halvedFounded in 2024lowers riskSize: total assets €684,507Sector: Activities of head offices; management consultancy activities (NACE 70)Show the evidence
Checked score
Score 2026
89
/ 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 43% of micro companies in head offices and management consultancy (NACE 70)
Financial strength · tick: 2025
Average
Solvency
40+8
equity 14.8% of total assets
Liquidity
52-5
short-term debt 8.4% · cash 1.4%
Profitability
51+3
return on assets 7.8%
Bankruptcy probability within 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
05-2025: 0.4%
06-2025: 0.4%● unchanged vs 05-2025
07-2025: 0.4%● unchanged vs 06-2025
08-2025: 0.4%● unchanged vs 07-2025
09-2025: 0.4%● unchanged vs 08-2025highest value
10-2025: 0.1%▼ -0.3 percentage points vs 09-2025lowest value
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025
02-2026: 0.1%● unchanged vs 01-2026
03-2026: 0.1%● unchanged vs 02-2026
04-2026: 0.1%● unchanged vs 03-2026
05-2026: 0.1%● unchanged vs 04-2026
06-2026: 0.1%● unchanged vs 05-2026
07-2026: 0.1%● unchanged vs 06-2026
08-2026: 0.1%● unchanged vs 07-2026
09-2026: 0.1%● unchanged vs 08-2026
10-2026: 0.2%▲ +0.1 percentage points vs 09-2026
11-2026: 0.2%● unchanged vs 10-2026
Credit of up to €9,000 on 30-day terms, only on tighter conditions: young company (under 3 years) without a track record
Liquidity is insufficient, with a current ratio of 0.95 (0.81 in 2025), below 1. Short-term debt is 8.4% and cash 1.4% of total assets. 85.2% of the assets are financed with debt and provisions.
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 70, micro). It does better than 20% of them on solvency, 39% on liquidity, 24% on profitability and 90% on growth.
The bankruptcy probability was computed on 04-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 16% of 1382 sector peers (2026).
NBB · sector comparisonPosition among 1382 sector peers
Solvency
better than 16%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2026 was due by 31-01-2027 and was filed on 25-09-2026, 128 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2026
128 days early
2025
135 days early
← before the deadline
after the deadline →
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 30-06-2027 and is due by 31-01-2028. Nothing is late today.
Companies Code · seven monthsWhere today falls in the filing period
04-11-2026 today30-06-2027 year end31-01-2028 deadline
Financials
Financials · financial year 2026, micro format
Annual accounts 2026 filed on 25-09-2026 at the NBB all 2 filings
Turnover
≈ €120,000
Estimated: probably between €88,000 and €150,000
Total assets
€684,507▲ 1.3%
2025 · €675,985
Net result
€53,354▲ 24.5%
2025 · €42,861
Working capital
-€2,729▲ 74.7%
2025 · -€10,802
Multi-year overview
2025 to 2026, 2 financial yearsOperating result
€57,075
▼ 12.9%
2026
20252026
Net result
€53,354
▲ 24.5%
2026
20252026
Equity
€101,215
▲ 111%
2026
20252026
Total assets
€684,507
▲ 1.3%
2026
20252026
Debt
€583,292
▼ 7.1%
2026
20252026
Working capital
-€2,729
▲ 74.7%
2026
20252026
Solvency
14.8%
▲ 7.7pp
2026
20252026
Current ratio
0.95
▲ 0.14
2026
20252026
Return on assets (ROA)
7.8%
▲ 1.5pp
2026
20252026
Every figure per financial year
Every figure with its change against the financial year before
favourable
unfavourable
Line20252026
Operating result€65,496-€57,075▼ 12.9%
Net result€42,861within the sector's middle half-€53,354▲ 24.5%
Equity€47,861within the sector's middle half-€101,215▲ 111%
Total assets€675,985above the sector's middle half-€684,507▲ 1.3%
Debt€628,125-€583,292▼ 7.1%
Working capital-€10,802below the sector's middle half--€2,729▲ 74.7%
Solvency7.1%below the sector's middle half-14.8%▲ 7.7pp
Current ratio0.81below the sector's middle half-0.95▲ 0.14
Return on assets (ROA)6.3%within the sector's middle half-7.8%▲ 1.5pp
above
within
below
The sector band is the middle half of the companies in Activities of head offices; management consultancy activities (NACE 70). 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 operating result for 2026 is 13% lower than in 2025.
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €684,507
Fixed assets
€630,000 =
Current assets
€54,507 ▲ 18.5%
Equity and liabilities €684,507
Equity
€101,215 ▲ 111%
Debt
€583,292 ▼ 7.1%
Debt's share of the balance-sheet total falls from 92.9% to 85.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€57,075▼
2025 · €67,764
Cash flow
€53,354▲
2025 · €45,129
Debt to equity
5.76▼
2025 · 13.12
ROE
52.7%▼
2025 · 89.6%
Interest coverage
2.68▲
2025 · 2.60
Debt ≤ 1 year
€57,236▲
2025 · €56,787
Debt > 1 year
€526,056▼
2025 · €571,338
Income taxes
€8,925▼
2025 · €9,861
Green means a favourable move, even when the figure itself falls, as with debt or debt to equity.
Investments
| Item | 30-06-2025 | 30-06-2026 |
|---|---|---|
| Financial fixed assets | €630,000 | - |
| Depreciation and write-downs of the year | €2,268 | €0 |
Source: notes to the 2025 to 2026 annual accounts (statement of fixed assets)
Annual accounts
| Line | 2025 | 2026 | Change |
|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2,268 | €0 | ▼ 100% |
| Other operating charges640/8 | €637 | €533 | ▼ 16.2% |
| Gross operating margin9900 | €68,401 | €57,608 | ▼ 15.8% |
| Operating profit (loss)9901 | €65,496 | €57,075 | ▼ 12.9% |
| Financial income75/76B | €13,254 | €26,507 | ▲ 100% |
| Recurring financial income75 | €13,254 | €26,507 | ▲ 100% |
| Financial charges65/66B | €26,028 | €21,303 | ▼ 18.2% |
| Recurring financial charges65 | €26,028 | €21,303 | ▼ 18.2% |
| Profit (loss) for the period before taxes9903 | €52,721 | €62,279 | ▲ 18.1% |
| Income taxes67/77 | €9,861 | €8,925 | ▼ 9.5% |
| Profit (loss) for the period9904 | €42,861 | €53,354 | ▲ 24.5% |
| Profit (loss) for the period to be appropriated9905 | €42,861 | €53,354 | ▲ 24.5% |
| Line | 2025 | 2026 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €675,985 | €684,507 | ▲ 1.3% |
| Fixed assets21/28 | €630,000 | €630,000 | = |
| Financial fixed assets28 | €630,000 | €630,000 | = |
| Current assets29/58 | €45,985 | €54,507 | ▲ 18.5% |
| Amounts receivable within one year40/41 | €9,625 | €44,604 | ▲ 363% |
| Other amounts receivable41 | €9,625 | €44,604 | ▲ 363% |
| Cash at bank and in hand54/58 | €36,360 | €9,904 | ▼ 72.8% |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €675,985 | €684,507 | ▲ 1.3% |
| Equity10/15 | €47,861 | €101,215 | ▲ 111% |
| Contributions10/11 | €5,000 | €5,000 | = |
| Reserves13 | €42,861 | €96,215 | ▲ 124% |
| Distributable reserves133 | €42,861 | €96,215 | ▲ 124% |
| Amounts payable17/49 | €628,125 | €583,292 | ▼ 7.1% |
| Amounts payable after more than one year17 | €571,338 | €526,056 | ▼ 7.9% |
| Financial debts170/4 | €571,338 | €526,056 | ▼ 7.9% |
| Amounts payable within one year42/48 | €56,787 | €57,236 | ▲ 0.8% |
| Current portion of amounts payable after more than one year42 | €43,489 | €45,282 | ▲ 4.1% |
| Trade debts44 | €339 | €0 | ▼ 100% |
| Suppliers440/4 | €339 | €0 | ▼ 100% |
| Taxes, remuneration and social security45 | €12,958 | €11,955 | ▼ 7.7% |
| Taxes450/3 | €12,958 | €11,955 | ▼ 7.7% |
| Line | 2025 | 2026 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €42,861 | €53,354 | ▲ 24.5% |
| + Depreciation and write-downs630 | €2,268 | €0 | ▼ 100% |
| Operating cash flow (approximation) | €45,129 | €53,354 | ▲ 18.2% |
| Investment in fixed assets (approximation) | - | €0 | - |
| Change in cash | - | -€26,457 | - |
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, since incorporation
JANS Bart Jozef
Current
Director (not named in the articles) · since 11-04-2024 · term without a fixed end · listed in the 2026 annual accounts, filed on 25-09-2026
Signing authorityThe articles say who may bind the company, for example by signing a contract.
“Artikel 11 : Bevoegdheden van het bestuursorgaan. Als er slechts één bestuurder is, is het geheel van de bevoegdheden van de bestuurders aan…”
deed of 16-04-2024Owners and capital
Shareholders
At incorporation
act of 16-04-2024 ↗
- JANS Bart Jozef 300 shares (100%) · €5,000
Capital transactions
Capital over time
- 16-04-2024 Incorporation · €5,000 · 300 shares
Articles of association
Board and representation
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- At least 1 director
Audit, dissolution and liquidation
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor
- Liquidation ruleIn a liquidation the creditors are paid first. What is left goes to the shareholders.
- “Bestuurder(s) in functie krachtens statuten indien geen andere vereffenaar benoemd, algemene vergadering kan besluiten tot ontbinding en…”
Articles of association, deed of 16-04-2024 (in Dutch)
Network & group
Holdings and subsidiaries
1 holdingHoldings 1
- Sourceown accounts 30-06-2026Equity €1.3m Profit of €53,186 in 2025 (profit of €23,885 in 2024) Checked score 9733.13%
Companies at the same address
2 other companiesConnections & 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 2027 accounts:
2026
25-09
micro format · 128 days before the deadline
30-06
Financial
Equity above €100,000equity €101,215 ▲111%
With a profit in every financial year since 2025, equity grows to €101,215.
2025
18-09
micro format · 135 days before the deadline
2024
16-04
Gazette deed
IncorporationStarting capital €5,000 · Appointment: JANS Bart Jozef (director) · Founder: JANS Bart Jozef · Registered office clause: Steenweg 222, 3570 Alken5 points ▸
Gazette deed
Incorporation
Starting capital €5,000 · Appointment: JANS Bart Jozef (director) · Founder: JANS Bart Jozef · Registered office clause: Steenweg 222, 3570 Alken5 points ▸
- Founder, JANS Bart Jozef
- Registered office clause, Steenweg 222, 3570 Alken
- Board rule, 1
- Director appointment, JANS Bart Jozef (director (not named in the articles))
- Founding capital, €5,000, 300 shares
- The act holds 7 more points.
Financial milestoneGazette deedNBB filingFinancial milestones sit on the financial year-end date, not the filing date.
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordName
JuLo in Dutch
Enterprise number
1008.337.764
Legal form
Private limited company
Status
Active, normale toestand
Founded
12-04-2024
Entity type
Legal entity
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
deed of 16-04-2024 (in Dutch)Registered office and establishments
Registered office
Steenweg 222, 3570 Alken, Belgium
Establishment unit
JuLo, Steenweg 222, 3570 Alken since 12-04-2024 · unit number 2.358.679.318
Activities
NACEBEL 202570200
Business and other management consultancy main activity
73300
Public relations and communication consultancy
74999
Other professional, scientific and technical activities
82100
Office administrative and support services
Codes under NACEBEL 2008
70220
Business consulting main activity
70210
Activities of head offices; management consultancy activities
74909
Other professional, scientific and technical activities
82110
Office administrative, office support and other business support activities
82190
Office administrative, office support and other business support activities
Invoicing and payment
VAT number
BE 1008.337.764
Financial year and general meeting
Accounts at the NBBFinancial year end
30-06
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
Third Friday of December at 19:00
deed of 16-04-2024 (in Dutch)Sites & property
Location
Buildings and parcels at the address
Ground area
5,489 m²
Building footprint
389 m²
Building volume
2,016 m³
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 73001K0253/00H000 | Flanders | 5,489 m² | 1 · 389 m² | 10.2 m · 2 |