JULOA
ActiveSummary
JULOA has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €299,461 and a net result of -€51,911. Equity is growing by ~4.9% per year across the filed fiscal years. Its solvency ranks better than 38% of 17213 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability9▼-69
Solvency70▲+6
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €18,000 at 30 days acceptable
Liquidity short (current ratio 0.75 against 1.41 in 2024; short-term debt: 11.5% and cash: 3.7% of total assets), and 55.1% of the assets are financed with debt.
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Signals
Two signals. The signal on the left, the evidence on the right.
−lowers 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
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
25 d late
2024
59 d early
2023
26 d late
2022
20 d early
2021
117 d early
2020
32 d early
2019
79 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 37 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 33% of the sector filed late.
Checked, nothing found (2)
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
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
In the rankings
#9 company by total assets in Oosterzele, Telecoms and IT sector
Equity
€299,461▼ 14.8%
2024 · €351,372
Total assets
€667,454▼ 26.4%
2024 · €906,852
Net result
-€51,911
2024 · €74,391
Working capital
-€19,270
2024 · €81,948
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related 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€77,333▲ 49.5%€77,817▲ 0.6%€92,317▲ 18.6%€111,210▲ 20.5%-€44,777
Net result€46,294above the sector's middle half▼ 96.3%€67,853within the sector's middle half▲ 46.6%€49,114within the sector's middle half▼ 27.6%€74,391above the sector's middle half▲ 51.5%-€51,911below the sector's middle half
Equity€711,839above the sector's middle half▼ 7.0%€679,691above the sector's middle half▼ 4.5%€276,981above the sector's middle half▼ 59.2%€351,372above the sector's middle half▲ 26.9%€299,461above the sector's middle half▼ 14.8%
Total assets€1.2mabove the sector's middle half▼ 3.6%€1.0mwithin the sector's middle half▼ 14.7%€936,917above the sector's middle half▼ 9.6%€906,852above the sector's middle half▼ 3.2%€667,454above the sector's middle half▼ 26.4%
Debt€503,333▲ 1.7%€356,816▼ 29.1%€659,937▲ 85.0%€555,480▼ 15.8%€367,993▼ 33.8%
Working capital€660,197above the sector's middle half▲ 4.3%€605,822above the sector's middle half▼ 8.2%€25,904within the sector's middle half▼ 95.7%€81,948within the sector's middle half▲ 216%-€19,270below the sector's middle half
Solvency58.6%within the sector's middle half▼ 2.1pp65.6%within the sector's middle half▲ 7.0pp29.6%below the sector's middle half▼ 36.0pp38.7%within the sector's middle half▲ 9.2pp44.9%within the sector's middle half▲ 6.1pp
Current ratio4.92within the sector's middle half▼ 1.3910.54above the sector's middle half▲ 5.631.10below the sector's middle half▼ 9.451.41within the sector's middle half▲ 0.310.75below the sector's middle half▼ 0.66
Return on assets (ROA)3.8%within the sector's middle half▼ 94.8pp6.5%within the sector's middle half▲ 2.7pp5.2%within the sector's middle half▼ 1.3pp8.2%within the sector's middle half▲ 3.0pp-7.8%below the sector's middle half▼ 16.0pp
above
within
below
the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related activities, each year against the same schema; no band under 30 filings.
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 turns negative in 2025: a loss of €44,777 after €111,210 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €667,454
Fixed assets
€609,976 ▼ 2.6%
Current assets
€57,478 ▼ 79.5%
Equity and liabilities €667,454
Equity
€299,461 ▼ 14.8%
Debt
€367,993 ▼ 33.8%
Debt's share of the balance-sheet total falls from 61.3% to 55.1%. Equity and debt are lower.
Key figures and ratios
EBITDA
-€1,719▼
2024 · €146,787
Cash flow
-€8,853▼
2024 · €109,969
Debt to equity
1.23▼
2024 · 1.58
ROE
-17.3%▼
2024 · 21.2%
Interest coverage
-0.16▼
2024 · 5.86
Debt ≤ 1 year
€76,748▼
2024 · €198,706
Debt > 1 year
€291,245▼
2024 · €339,587
Income taxes
€214▼
2024 · €20,442
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 2,688 companies that looked in July 2024 the way this one looks now, 0.5% went bankrupt within 24 months and 94% are still going.
- Small
- 10 to 20 years old
- solvency 30% or more
- a small loss
0.5%
went bankrupt
5.4%
stopped otherwise
94%
still going
A further 0.4% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.2% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 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% | 1.7% |
| 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 75% 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 2,688 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 | - | - | - | - | €11,772 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €14,602 | €16,612 | €50,749 | €35,578 | €43,059 | ▲ 21.0% |
| Other operating charges640/8 | €3,550 | €2,100 | €3,379 | €4,368 | €5,050 | ▲ 15.6% |
| Gross operating margin9900 | €95,485 | €96,529 | €146,445 | €151,155 | €3,332 | ▼ 97.8% |
| Operating profit (loss)9901 | €77,333 | €77,817 | €92,317 | €111,210 | -€44,777 | ▼ 140% |
| Financial income75/76B | €9,174 | €9,412 | €4,105 | €8,685 | €3,632 | ▼ 58.2% |
| Recurring financial income75 | €9,174 | €9,412 | €4,105 | €8,685 | €3,632 | ▼ 58.2% |
| Financial charges65/66B | €17,847 | -€4,384 | €33,555 | €25,061 | €10,552 | ▼ 57.9% |
| Recurring financial charges65 | €17,847 | -€4,384 | €33,555 | €25,061 | €10,552 | ▼ 57.9% |
| Profit (loss) for the period before taxes9903 | €68,660 | €91,613 | €62,867 | €94,833 | -€51,698 | ▼ 155% |
| Income taxes67/77 | €22,366 | €23,760 | €13,753 | €20,442 | €214 | ▼ 99.0% |
| Profit (loss) for the period9904 | €46,294 | €67,853 | €49,114 | €74,391 | -€51,911 | ▼ 170% |
| Profit (loss) for the period to be appropriated9905 | €46,294 | €67,853 | €49,114 | €74,391 | -€51,911 | ▼ 170% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.2m | €1.0m | €936,917 | €906,852 | €667,454 | ▼ 26.4% |
| Fixed assets21/28 | €386,440 | €367,214 | €650,381 | €626,198 | €609,976 | ▼ 2.6% |
| Tangible fixed assets22/27 | €367,783 | €351,171 | €636,566 | €614,612 | €609,976 | ▼ 0.8% |
| Land and buildings22 | €358,307 | €345,733 | €602,422 | €584,148 | €578,648 | ▼ 0.9% |
| Plant, machinery and equipment23 | €9,079 | €5,169 | €32,666 | €29,692 | €29,316 | ▼ 1.3% |
| Furniture and vehicles24 | €397 | €269 | €1,478 | €772 | €2,012 | ▲ 160% |
| Financial fixed assets28 | €18,657 | €16,043 | €13,815 | €11,585 | €0 | ▼ 100% |
| Current assets29/58 | €828,731 | €669,293 | €286,537 | €280,654 | €57,478 | ▼ 79.5% |
| Amounts receivable within one year40/41 | €173,402 | €39,595 | €72,297 | €46,175 | €27,568 | ▼ 40.3% |
| Trade receivables40 | €121 | €36,374 | €44,410 | €16,502 | €12,126 | ▼ 26.5% |
| Other amounts receivable41 | €173,281 | €3,221 | €27,887 | €29,673 | €15,442 | ▼ 48.0% |
| Current investments50/53 | €445,248 | €456,000 | €193,760 | €148,251 | €0 | ▼ 100% |
| Cash at bank and in hand54/58 | €206,820 | €170,430 | €16,154 | €82,684 | €24,739 | ▼ 70.1% |
| Deferred charges and accrued income490/1 | €3,262 | €3,268 | €4,325 | €3,545 | €5,171 | ▲ 45.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.2m | €1.0m | €936,917 | €906,852 | €667,454 | ▼ 26.4% |
| Equity10/15 | €711,839 | €679,691 | €276,981 | €351,372 | €299,461 | ▼ 14.8% |
| Contributions10/11 | €18,550 | €18,550 | €18,550 | €18,550 | €18,550 | = |
| Reserves13 | €693,289 | €661,141 | €258,431 | €332,822 | €280,911 | ▼ 15.6% |
| Non-distributable reserves130/1 | €1,855 | €1,855 | €1,855 | €1,855 | €1,855 | = |
| Reserves not available under the articles1311 | €1,855 | €1,855 | €1,855 | €1,855 | €1,855 | = |
| Distributable reserves133 | €691,434 | €659,286 | €256,576 | €330,967 | €279,056 | ▼ 15.7% |
| Profit (loss) carried forward14 | €0 | €0 | €0 | €0 | - | - |
| Amounts payable17/49 | €503,333 | €356,816 | €659,937 | €555,480 | €367,993 | ▼ 33.8% |
| Amounts payable after more than one year17 | €326,799 | €285,345 | €387,211 | €339,587 | €291,245 | ▼ 14.2% |
| Financial debts170/4 | €326,799 | €285,345 | €387,211 | €339,587 | €291,245 | ▼ 14.2% |
| Amounts payable within one year42/48 | €168,534 | €63,470 | €260,633 | €198,706 | €76,748 | ▼ 61.4% |
| Current portion of amounts payable after more than one year42 | €40,972 | €41,454 | €46,921 | €47,624 | €48,342 | ▲ 1.5% |
| Financial debts43 | €10,293 | €6,300 | €19,146 | €5,961 | €7,700 | ▲ 29.2% |
| Credit institutions430/8 | €10,293 | €6,300 | €19,146 | €5,961 | €7,700 | ▲ 29.2% |
| Trade debts44 | €3,448 | €5,058 | €5,293 | €2,363 | €1,892 | ▼ 19.9% |
| Suppliers440/4 | €3,448 | €5,058 | €5,293 | €2,363 | €1,892 | ▼ 19.9% |
| Taxes, remuneration and social security45 | €13,821 | €10,659 | €13,714 | €13,901 | €1,591 | ▼ 88.6% |
| Taxes450/3 | €13,821 | €10,659 | €13,714 | €13,901 | €1,591 | ▼ 88.6% |
| Other amounts payable47/48 | €100,000 | €0 | €175,559 | €128,857 | €17,224 | ▼ 86.6% |
| Accrued charges and deferred income492/3 | €8,000 | €8,000 | €12,093 | €17,187 | €0 | ▼ 100% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €46,294 | €67,853 | €49,114 | €74,391 | -€51,911 | ▼ 170% |
| + Depreciation and write-downs630 | €14,602 | €16,612 | €50,749 | €35,578 | €43,059 | ▲ 21.0% |
| Operating cash flow (approximation) | €60,896 | €84,465 | €99,863 | €109,969 | -€8,853 | ▼ 108% |
| Investment in fixed assets (approximation) | - | €2,614 | -€333,915 | -€11,395 | -€26,837 | ▼ 136% |
| Change in cash | - | -€36,390 | -€154,275 | €66,529 | -€57,945 | ▼ 187% |
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
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 25 days late
2025
31-12
Financial
Weakest financial yearnet -€51,911
Net result drops to -€51,911, the lowest in the series.
02-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
2023
11-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Liquidity doublescurrent ratio 10.54
Current ratio from 4.92 to 10.54; short-term debt falls from €168,534 to €63,470.
05-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €1.2m ▲3,045%
Net result €1.2m, the highest in the series.
31-12
Financial
Liquidity times 6current ratio 6.30
Current ratio from 1.13 to 6.30; short-term debt falls from €120,340 to €119,376.
31-12
Financial
Equity above €500,000Eq €765,544 ▲259%
3 profitable years in a row build equity to €765,544.
13-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Show earlier events
2019
31-12
Financial
Equity above €200,000Eq €213,042 ▲22.8%
2 profitable years in a row build equity to €213,042.
13-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 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
4 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, Oosterzele · 1 establishment unit since 2015
Ground area
3,140 m²
Building footprint
683 m²
Volume, LiDAR
3,506 m³
2 parcels, Flanders · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
JULOA
since 20152.241.640.702
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44412B0681/00F000 | Flanders | 2,090 m² | 1 · 403 m² | 8.4 m · 2 fl. |
| 44059A0332/00C000 | Flanders | 1,049 m² | 1 · 280 m² | 6.9 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
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 16,911 companies in sector 62100 we hold annual accounts for 8,786. 6,184 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 (pre-2019)
Founded15-04-2015
Fiscal year end31-12
Activities, NACEBEL 2025
62100Computer programming
47400Retail sale of information and communication equipment
62200Computer consultancy and computer facilities management
70200Business and other management consultancy
E-invoicing
Reachable via Peppol
Peppol ID
0208:0628609785
Also
9925:BE0628609785
Registered
10-03-2025
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.