JuLo Consulting
ActiveSummary
JuLo Consulting has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €203,683 and a net result of €23,510. Equity is growing by ~27.4% per year across the filed fiscal years. Its solvency ranks better than 20% of 31896 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability61▼-8
Solvency39▼-4
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12,000 at 30 days acceptable
Liquidity ample (current ratio 2.66 against 0.61 in 2024; short-term debt: 16.9% and cash: 2.3% of total assets), but 85.6% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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 · 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
14.4%
Return on assets
1.7%
Age of the figures
15 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 31896 sector peers (2025).
NBB · sector comparisonPosition among 31896 sector peers
Solvency
better than 20%
← weakest
strongest →
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 30-01-2026, 1 day ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
1 d early
2024
1 d early
2023
41 d early
2022
on the day
2021
on the day
2020
2 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 8 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.
Checked, nothing found (2)
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 close27-09-2026 today31-01-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€203,683▲ 13.0%
2024 · €180,174
Total assets
€1.4m▲ 39.7%
2024 · €1.0m
Net result
€23,510▲ 446%
2024 · €4,306
Working capital
€395,336
2024 · -€158,918
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€72,261▲ 320%€72,381▲ 0.2%€24,829▼ 65.7%€15,219▼ 38.7%€56,140▲ 269%
Net result€48,567within the sector's middle half▲ 879%€50,285within the sector's middle half▲ 3.5%€11,670within the sector's middle half▼ 76.8%€4,306within the sector's middle half▼ 63.1%€23,510within the sector's middle half▲ 446%
Equity€73,528within the sector's middle half▲ 195%€123,813within the sector's middle half▲ 68.4%€135,482within the sector's middle half▲ 9.4%€180,174within the sector's middle half▲ 33.0%€203,683within the sector's middle half▲ 13.0%
Total assets€532,106above the sector's middle half▲ 7.6%€628,946above the sector's middle half▲ 18.2%€504,941above the sector's middle half▼ 19.7%€1.0mabove the sector's middle half▲ 100%€1.4mabove the sector's middle half▲ 39.7%
Debt€458,578▼ 2.3%€505,133▲ 10.2%€369,459▼ 26.9%€830,027▲ 125%€1.2m▲ 45.5%
Working capital€5,211€45,492▲ 773%€64,092▲ 40.9%-€158,918€395,336
Solvency13.8%below the sector's middle half▲ 8.8pp19.7%below the sector's middle half▲ 5.9pp26.8%within the sector's middle half▲ 7.1pp17.8%below the sector's middle half▼ 9.0pp14.4%below the sector's middle half▼ 3.4pp
above
within
below
the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 269% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.4m
Fixed assets
€777,729 ▲ 2.1%
Current assets
€633,742 ▲ 155%
Equity and liabilities €1.4m
Equity
€203,683 ▲ 13.0%
Debt
€1.2m ▲ 45.5%
Debt's share of the balance-sheet total rises from 82.2% to 85.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€96,732▲
2024 · €90,984
Cash flow
€64,101▼
2024 · €80,071
Current ratio
2.66▲
2024 · 0.61
Debt to equity
5.93▲
2024 · 4.61
ROE
11.5%▲
2024 · 2.4%
ROA
1.7%▲
2024 · 0.4%
Interest coverage
4.87▼
2024 · 10.08
Debt ≤ 1 year
€238,405▼
2024 · €407,743
Debt > 1 year
€968,001▲
2024 · €420,903
Income taxes
€12,781▲
2024 · €1,890
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 2,365 companies that looked in July 2024 the way this one looks now, 1.7% went bankrupt within 24 months and 97% are still going.
- Small
- 5 to 10 years old
- solvency 10 to 30%
- a profit under 5% of the balance sheet
1.7%
went bankrupt
1.4%
stopped otherwise
97%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 0.3% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 2,365 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €4,517 | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €53,413 | €22,130 | €24,110 | €75,765 | €40,591 | ▼ 46.4% |
| Other operating charges640/8 | - | €5,244 | €12,160 | €2,627 | €4,470 | ▲ 70.1% |
| Non-recurring operating charges66A | - | - | - | €605 | €22,123 | ▲ 3,560% |
| Gross operating margin9900 | €128,867 | €99,755 | €61,099 | €94,216 | €123,324 | ▲ 30.9% |
| Operating profit (loss)9901 | €72,261 | €72,381 | €24,829 | €15,219 | €56,140 | ▲ 269% |
| Financial income75/76B | - | - | €0 | €0 | €0 | ▼ 100% |
| Recurring financial income75 | €74 | - | €0 | €0 | €0 | ▼ 100% |
| Financial charges65/66B | - | €11,465 | €9,742 | €9,023 | €19,850 | ▲ 120% |
| Recurring financial charges65 | €11,066 | €11,465 | €8,854 | €9,023 | €19,850 | ▲ 120% |
| Non-recurring financial charges66B | - | - | €888 | - | - | - |
| Profit (loss) for the period before taxes9903 | €61,269 | €60,915 | €15,087 | €6,196 | €36,290 | ▲ 486% |
| Income taxes67/77 | €12,702 | €10,630 | €3,417 | €1,890 | €12,781 | ▲ 576% |
| Profit (loss) for the period9904 | €48,567 | €50,285 | €11,670 | €4,306 | €23,510 | ▲ 446% |
| Profit (loss) for the period to be appropriated9905 | €48,567 | €50,285 | €11,670 | €4,306 | €23,510 | ▲ 446% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €532,106 | €628,946 | €504,941 | €1.0m | €1.4m | ▲ 39.7% |
| Fixed assets21/28 | €428,013 | €486,357 | €400,796 | €761,375 | €777,729 | ▲ 2.1% |
| Tangible fixed assets22/27 | €428,008 | €486,352 | €400,791 | €761,370 | €544,527 | ▼ 28.5% |
| Land and buildings22 | - | €365,535 | €359,455 | €683,394 | €422,595 | ▼ 38.2% |
| Plant, machinery and equipment23 | - | €183 | €566 | €354 | €143 | ▼ 59.6% |
| Furniture and vehicles24 | - | €19,099 | €13,826 | €77,622 | €10,880 | ▼ 86.0% |
| Leasing and similar rights25 | - | €101,534 | €26,945 | €0 | €110,908 | - |
| Financial fixed assets28 | €5 | €5 | €5 | €5 | €233,202 | ▲ 4,663,945% |
| Current assets29/58 | €104,093 | €142,589 | €104,145 | €248,825 | €633,742 | ▲ 155% |
| Amounts receivable within one year40/41 | €67,027 | €108,022 | €15,030 | €235,624 | €600,669 | ▲ 155% |
| Trade receivables40 | - | €105,391 | €10,890 | €191,534 | €597,710 | ▲ 212% |
| Other amounts receivable41 | - | €2,631 | €4,140 | €44,090 | €2,959 | ▼ 93.3% |
| Cash at bank and in hand54/58 | €36,365 | €34,466 | €89,004 | €12,978 | €32,413 | ▲ 150% |
| Deferred charges and accrued income490/1 | - | €100 | €111 | €223 | €660 | ▲ 195% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €532,106 | €628,946 | €504,941 | €1.0m | €1.4m | ▲ 39.7% |
| Equity10/15 | €73,528 | €123,813 | €135,482 | €180,174 | €203,683 | ▲ 13.0% |
| Contributions10/11 | - | €20,000 | €20,000 | €22,500 | €22,500 | = |
| Reserves13 | - | - | - | €42,191 | €181,183 | ▲ 329% |
| Distributable reserves133 | - | - | - | €42,191 | €181,183 | ▲ 329% |
| Profit (loss) carried forward14 | €53,528 | €103,813 | €115,482 | €115,482 | €0 | ▼ 100% |
| Amounts payable17/49 | €458,578 | €505,133 | €369,459 | €830,027 | €1.2m | ▲ 45.5% |
| Amounts payable after more than one year17 | €359,696 | €408,036 | €324,748 | €420,903 | €968,001 | ▲ 130% |
| Financial debts170/4 | - | €408,036 | €324,748 | €420,903 | €968,001 | ▲ 130% |
| Amounts payable within one year42/48 | €98,882 | €97,097 | €40,052 | €407,743 | €238,405 | ▼ 41.5% |
| Current portion of amounts payable after more than one year42 | - | €42,840 | €29,820 | €61,178 | €63,893 | ▲ 4.4% |
| Trade debts44 | €1,780 | €5,829 | €716 | €288,305 | €108,063 | ▼ 62.5% |
| Suppliers440/4 | - | €5,829 | €716 | €288,305 | €108,063 | ▼ 62.5% |
| Taxes, remuneration and social security45 | - | €34,979 | €9,516 | €28,046 | €27,670 | ▼ 1.3% |
| Taxes450/3 | - | €30,979 | €9,516 | €28,046 | €27,670 | ▼ 1.3% |
| Remuneration and social security454/9 | - | €4,000 | - | - | - | - |
| Other amounts payable47/48 | - | €13,448 | - | €30,214 | €38,779 | ▲ 28.3% |
| Accrued charges and deferred income492/3 | - | - | €4,658 | €1,382 | €1,382 | = |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €48,567 | €50,285 | €11,670 | €4,306 | €23,510 | ▲ 446% |
| + Depreciation and write-downs630 | €53,413 | €22,130 | €24,110 | €75,765 | €40,591 | ▼ 46.4% |
| Operating cash flow (approximation) | €101,980 | €72,415 | €35,780 | €80,071 | €64,101 | ▼ 19.9% |
| Investment in fixed assets (approximation) | - | -€80,475 | €61,451 | -€436,344 | -€56,945 | ▲ 86.9% |
| Change in cash | - | -€1,898 | €54,537 | -€76,026 | €19,435 | ▲ 126% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Liquidity quadruplescurrent ratio 2.66
Current ratio from 0.61 to 2.66; short-term debt falls from €407,743 to €238,405.
30-06
Financial
Equity above €200,000Eq €203,683 ▲13%
6 profitable years in a row build equity to €203,683.
30-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Weakest financial yearnet €4,306 ▼63.1%
Net result drops to €4,306, the lowest in the series; recovery starts the following year.
30-06
Financial
Equity above €150,000Eq €180,174 ▲33%
5 profitable years in a row build equity to €180,174.
2023
21-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Highest result since 2020net €50,285 ▲3.5%
Operating result €72,381, net result €50,285, both a record.
30-06
Financial
Equity above €100,000Eq €123,813 ▲68.4%
3 profitable years in a row build equity to €123,813.
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Liquidity times 6current ratio 1.05
Current ratio from 0.17 to 1.05.
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 6 acts read
About the unread acts
We know of 6 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
6 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, Lokeren · 1 establishment unit since 2018
Ground area
254 m²
Building footprint
112 m²
Volume, LiDAR
643 m³
Parcel 46007D0741/00T000, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Dhauwe-Wulteputte
since 20182.283.174.617
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46007D0741/00T000 | Flanders | 254 m² | 1 · 112 m² | 8.9 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 82,642 companies in sector 70200 we hold annual accounts for 52,589. 40,015 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded04-12-2018
Fiscal year end30-06
Activities, NACEBEL 2025
70200Business and other management consultancy
64210Activities of holding companies
82990Other business support services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0715470515
Also
9925:BE0715470515
Registered
03-11-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.