JULO-IT
ActiveJULO-IT has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €53k and a net result of €-17k. Equity is shrinking by ~5.7% per year across the filed fiscal years. Its solvency ranks better than 17% of 20785 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
50
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability12▲+5
Solvency45▼-2
Growth32=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity ample (current ratio 2.44 against 2.35 in 2023; short-term debt: 21.3% and cash: 2.5% of total assets), but 80.1% 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+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 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
19.9%
Return on assets
-6.6%
Age of the figures
21 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
raises risk · Persistent losses
Two consecutive loss-making years (2023 and 2024); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2024Net result per financial year
18192021222324
2018 to 2024 · latest year €-17k
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 20785 sector peers (2024).
NBB · sector comparisonPosition among 20785 sector peers
Solvency
better than 17%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 16-07-2025, 15 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
15 d early
2023
26 d early
2022
on the day
2021
4 d early
2020
91 d late
2019
4 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€53k▼ 32.2%
2023 · €77k
2018: €93k
2019: €100k
2020: €131k
2021: €142k
2022: €133k
2023: €77k
2018 → 2024
Total assets
€264k▼ 26.4%
2023 · €359k
2018: €478k
2019: €480k
2020: €472k
2021: €485k
2022: €591k
2023: €359k
2018 → 2024
Net result
€-17k▲ 49.1%
2023 · €-34k
2018: €21k
2019: €9k
2020: €31k
2021: €35k
2022: €173k
2023: €-34k
2018 → 2024
Working capital
€81k▼ 41.7%
2023 · €139k
2018: €813
2019: €-34k
2020: €-20k
2021: €-32k
2022: €325k
2023: €139k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€131k-€142k▲ 8.9%€133k▼ 6.8%€77k▼ 41.6%€53k▼ 32.2%
Operating result€60k-€67k▲ 12.6%€241k▲ 260%€-21k€-11k▲ 46.4%
Net result€31k-€35k▲ 15.4%€173k▲ 392%€-34k€-17k▲ 49.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €11k in 2024 against €21k in 2023; the loss shrinks.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €264k
Fixed assets
€127k▲ 8.1%
Current assets
€137k▼ 43.2%
Equity and liabilities €264k
Equity
€53k▼ 32.2%
Debt
€212k▼ 24.9%
The debt ratio rises from 78.4% to 80.1%. Equity and debt are lower.
Key figures and ratios
EBITDA
€2k▲
2023 · €-13k
Cash flow
€-4k▲
2023 · €-26k
Solvency
19.9%▼
2023 · 21.6%
Current ratio
2.44▲
2023 · 2.35
Quick ratio
2.44▲
2023 · 2.35
Debt / equity
4.03▲
2023 · 3.64
ROE
-33.0%▲
2023 · -44.0%
ROA
-6.6%▲
2023 · -9.5%
Interest coverage
0.12▲
2023 · -0.86
Debt
€212k▼
2023 · €282k
Debt ≤ 1 year
€56k▼
2023 · €103k
Debt > 1 year
€155k▼
2023 · €179k
Income taxes
€203▼
2023 · €234
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€359k€264k▼
Fixed assets21/28€117k€127k▲
Tangible fixed assets22/27€117k€126k▲
Land and buildings22€105k€102k▼
Plant, machinery and equipment23€4k€4k▼
Furniture and vehicles24€7k€21k▲
Financial fixed assets28€604€604=
Current assets29/58€242k€137k▼
Amounts receivable within one year40/41€22k€32k▲
Trade receivables40-€13k
Other amounts receivable41€22k€19k▼
Current investments50/53€127k€70k▼
Cash at bank and in hand54/58€92k€7k▼
Deferred charges and accrued income490/1€864€29k▲
Equity and liabilities
Total equity and liabilities10/49€359k€264k▼
Equity10/15€77k€53k▼
Contributions10/11€6k€6k=
Reserves13€73k€66k▼
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€73k€66k▼
Profit (loss) carried forward14€-2k€-19k▼
Amounts payable17/49€282k€212k▼
Amounts payable after more than one year17€179k€155k▼
Financial debts170/4€179k€155k▼
Amounts payable within one year42/48€103k€56k▼
Current portion of amounts payable after more than one year42€22k€24k▲
Financial debts43€4k€121▼
Credit institutions430/8€4k€121▼
Trade debts44€8k€14k▲
Suppliers440/4€8k€14k▲
Taxes, remuneration and social security45€47k€11k▼
Taxes450/3€47k€11k▼
Other amounts payable47/48€21k€8k▼
Income statement
Code20232024
Non-recurring operating income76A€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€13k▲
Other operating charges640/8€1k€1k▼
Gross operating margin9900€-11k€3k▲
Operating profit (loss)9901€-21k€-11k▲
Financial income75/76B€2k€10k▲
Recurring financial income75€2k€10k▲
Financial charges65/66B€15k€16k▲
Recurring financial charges65€15k€16k▲
Profit (loss) for the period before taxes9903€-34k€-17k▲
Income taxes67/77€234€203▼
Profit (loss) for the period9904€-34k€-17k▲
Profit (loss) for the period to be appropriated9905€-34k€-17k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-34k€-19k▲
Profit (loss) brought forward from the previous period14P-€-2k
Transfer from equity791/2€53k€8k▼
Profit to be distributed694/7€21k€8k▼
Return on contributions (dividend)694€21k€8k▼
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
16-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
05-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-34k ▼120%
Net result drops to €-34k, the lowest in the series; recovery starts the following year.
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €173k ▲392%
Operating result €241k, net result €173k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 2.26
Current ratio from 0.66 to 2.26.
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 91 days late
2020
27-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Equity above €100kEq €100k ▲8.2%
2 profitable years in a row build equity to €100k.
12-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
09-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
18-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
14-07
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Heist-op-den-Berg · 1 establishment unit since 2010
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.
Grote Braamstraat 54D2220 Heist-op-den-BergGround area
6,227 m²
Building footprint
408 m²
Volume, LiDAR
2,389 m³
2 parcels, Flanders · tallest building 11.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Julo-IT
since 20102.185.868.175
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12322F1002/00G000 | Flanders | 4,371 m² | 1 · 192 m² | 11.2 m · 2 fl. |
| 12322F0999/00B000 | Flanders | 1,855 m² | 1 · 216 m² | 7.4 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 30,000 companies in sector 62200 we hold annual accounts for 18,394. 15,318 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-02-2010
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
47400Retail sale of information and communication equipment
47410Retail trade
82300Organisation of conventions and trade shows
90021Arts creation and performing arts activities
90391Promotion and organisation of arts and performing arts events
Sources
Crossroads Bank for EnterprisesNational Bank · 14 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.