JULOU
ActiveSummary
JULOU has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €592k and a net result of €122k. Equity is growing by ~36% per year across the filed fiscal years. Its solvency ranks better than 40% of 8001 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
63
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability64▼-12
Solvency59▲+6
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity tight (current ratio 1.45 against 1.28 in 2024; short-term debt: 50.8% and cash: 13% of total assets), and 65.7% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
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
34.3%
Return on assets
7.1%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← 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 21-08-2026, 21 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
21 d late
2024
12 d late
2023
13 d early
2022
on the day
2021
3 d late
2020
30 d late
2019
31 d early
← before the deadline
after the deadline →
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€122k▼ 11.5%
2024 · €138k
2018: €10k
2019: €18k
2020: €3k
2021: €61k
2022: €63k
2023: €107k
2024: €138k
2018 → 2025
Working capital
€394k▲ 51.1%
2024 · €261k
2018: €67k
2019: €65k
2020: €74k
2021: €128k
2022: €10k
2023: €121k
2024: €261k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€162k-€225k▲ 38.8%€332k▲ 47.4%€470k▲ 41.5%€592k▲ 26.0%
Operating result€81k-€92k▲ 12.9%€166k▲ 81.3%€211k▲ 26.9%€196k▼ 7.0%
Net result€61k-€63k▲ 3.2%€107k▲ 69.6%€138k▲ 29.3%€122k▼ 11.5%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 7% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.73M
Fixed assets
€456k ▼ 6.9%
Current assets
€1.27M ▲ 7.1%
Equity and liabilities €1.73M
Equity
€592k ▲ 26.0%
Debt
€1.13M ▼ 5.9%
Debt's share of the balance-sheet total falls from 72.0% to 65.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€240k▼
2024 · €260k
Cash flow
€167k▼
2024 · €187k
Current ratio
1.45▲
2024 · 1.28
Quick ratio
1.09▲
2024 · 0.82
Debt to equity
1.92▼
2024 · 2.57
ROE
20.6%▼
2024 · 29.4%
ROA
7.1%▼
2024 · 8.2%
Interest coverage
4.37▼
2024 · 5.64
Debt ≤ 1 year
€877k▼
2024 · €926k
Debt > 1 year
€253k▼
2024 · €275k
Income taxes
€42k▼
2024 · €48k
Staff costs
€186k▼
2024 · €212k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 57 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.68M€1.73M▲
Fixed assets21/28€489k€456k▼
Tangible fixed assets22/27€489k€456k▼
Land and buildings22€440k€406k▼
Furniture and vehicles24€20k€6k▼
Other tangible fixed assets26€26k€44k▲
Assets under construction and advance payments27€2k€0▼
Financial fixed assets28€500€0▼
Current assets29/58€1.19M€1.27M▲
Stocks and contracts in progress3€423k€311k▼
Stocks30/36€423k€311k▼
Amounts receivable within one year40/41€357k€627k▲
Trade receivables40€53k€14k▼
Other amounts receivable41€304k€613k▲
Current investments50/53€101k€101k▲
Cash at bank and in hand54/58€303k€225k▼
Deferred charges and accrued income490/1€3k€7k▲
Equity and liabilities
Total equity and liabilities10/49€1.68M€1.73M▲
Equity10/15€470k€592k▲
Contributions10/11€19k€19k=
Reserves13€427k€552k▲
Distributable reserves133€427k€552k▲
Profit (loss) carried forward14€24k€22k▼
Amounts payable17/49€1.21M€1.13M▼
Amounts payable after more than one year17€275k€253k▼
Financial debts170/4€275k€253k▼
Amounts payable within one year42/48€926k€877k▼
Current portion of amounts payable after more than one year42€33k€29k▼
Financial debts43€317k€313k▼
Credit institutions430/8€317k€313k▼
Trade debts44€181k€88k▼
Suppliers440/4€181k€88k▼
Taxes, remuneration and social security45€183k€206k▲
Taxes450/3€133k€166k▲
Remuneration and social security454/9€51k€40k▼
Other amounts payable47/48€211k€241k▲
Accrued charges and deferred income492/3€6k€4k▼
Income statement
Code20242025
Non-recurring operating income76A€0-
Remuneration, social security and pensions62€212k€186k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€50k€45k▼
Other operating charges640/8€10k€20k▲
Non-recurring operating charges66A€0-
Gross operating margin9900€483k€447k▼
Operating profit (loss)9901€211k€196k▼
Financial income75/76B€21k€23k▲
Recurring financial income75€21k€23k▲
Financial charges65/66B€46k€55k▲
Recurring financial charges65€46k€55k▲
Profit (loss) for the period before taxes9903€186k€164k▼
Income taxes67/77€48k€42k▼
Profit (loss) for the period9904€138k€122k▼
Profit (loss) for the period to be appropriated9905€138k€122k▼
Appropriation of the result
Profit (loss) to be appropriated9906€157k€147k▼
Profit (loss) brought forward from the previous period14P€19k€24k▲
Transfer to equity691/2€132k€125k▼
To other reserves6921€132k€125k▼
Social balance
Average headcount (FTE)90876.35.0▼
The notes to these accounts (29 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
21-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 21 days late
2025
31-12
Financial
Equity above €500kEq €592k ▲26%
8 profitable years in a row build equity to €592k.
12-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 12 days late
2024
31-12
Financial
Highest result since 2018net €138k ▲29.3%
Operating result €211k, net result €138k, both a record.
18-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Equity above €200kEq €225k ▲38.8%
5 profitable years in a row build equity to €225k.
03-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 3 days late
2021
31-12
Financial
Equity above €150kEq €162k ▲60.1%
4 profitable years in a row build equity to €162k.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 30 days late
2020
31-12
Financial
Weakest financial yearnet €3k ▼85.3%
Net result drops to €3k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €100kEq €101k ▲2.7%
3 profitable years in a row build equity to €101k.
Show earlier events
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
01-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 1 day late
2018
01-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 1 day late
2017
11-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 11 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Bastogne · 2 establishment units since 2002
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.
Rue de Marche 816600 BastogneGround area
1,334 m²
Building footprint
459 m²
Volume, LiDAR
3,065 m³
3 parcels, Wallonia · tallest building 13.9 m, ±4 floors. Linked by address, not a title deed.
2 establishment units
BONIE AND CLYDE
since 20022.093.426.977
Louise au Sablon
since 20222.338.726.715
3 parcels
Wallonia
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 82003E1134/00S000 | Wallonia | 826 m² | 1 · 294 m² | 5.3 m · 1 fl. |
| 82302B0303/00H000 | Wallonia | 304 m² | 1 · 108 m² | 13.8 m · 4 fl. |
| 82302B0298/00W000 | Wallonia | 204 m² | 1 · 57 m² | 13.4 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
KLEDING VOSSEN
BE 0437.241.752
Tongeren-Borgloon · Eq €591,897
VELMAR
BE 0859.965.277
Gent · Eq €591,794
KDNY INTL
BE 0560.798.174
Anderlecht · Eq €586,605
YKOU
BE 0872.714.839
Elsene · Eq €597,793
WESCO
BE 0430.781.651
Zwevegem · Eq €607,573
Of 1,311 companies in sector 46423 we hold annual accounts for 812. 514 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-04-2002
Fiscal year end31-12
Activities, NACEBEL 2025
46423Wholesale of clothing, excluding workwear and underwear
46412Wholesale of household textiles and bedding
46498Wholesale trade
47279Other retail sale of food
47512Retail sale of household textiles and bedding
47551Retail sale of household furniture
47559Retail sale of other household articles
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
47722Retail trade
47750Retail sale of cosmetics and toilet articles
47789Other retail sale of new goods
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.