JUNI (HOLDINGS) is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €40k and a net result of €-833. Equity is growing by ~7.7% per year across the filed fiscal years. Its solvency ranks better than 18% of 8018 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 8018 sector peers (2025).
NBB · sector comparisonPosition among 8018 sector peers
Solvency
better than 18%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 16-08-2026, 16 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 · 4 filingsDeviation from the deadline
2025
16 d late
2024
56 d late
2023
19 d late
2022
25 d late
← before the deadline
after the deadline →
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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€40k▼ 2.0%
2024 · €41k
2022: €27k
2023: €39k
2024: €41k
2022 → 2025
Net result
€-833
2024 · €2k
2022: €-5k
2023: €12k
2024: €2k
2022 → 2025
Total assets
€336k▲ 94.5%
2024 · €173k
2022: €156k
2023: €170k
2024: €173k
2022 → 2025
Solvency
12.0%▼ 11.8pp
2024 · 23.9%
2022: 17.5%
2023: 23.3%
2024: 23.9%
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Turnover€28k
Equity€27k-€39k▲ 45.3%€41k▲ 4.4%€40k▼ 2.0%
Operating result€-5k-€13k€653▼ 95.0%€-12k
Net result€-5k-€12k€2k▼ 86.0%€-833
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €12k after €653 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €336k
Fixed assets
€41k▼ 1.0%
Current assets
€295k▲ 124%
Equity and liabilities €336k
Equity
€40k▼ 2.0%
Debt
€295k▲ 125%
The debt ratio rises from 76.1% to 88.0%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
12.0%▼
2024 · 23.9%
ROE
-2.1%▼
2024 · 4.2%
ROA
-0.2%▼
2024 · 1.0%
Debt
€295k▲
2024 · €131k
Debt ≤ 1 year
€295k▲
2024 · €131k
Income taxes
€975▼
2024 · €1k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€173k€336k▲
Fixed assets21/28€41k€41k▼
Tangible fixed assets22/27€1k€777▼
Other tangible fixed assets26€1k€777▼
Financial fixed assets28€40k€40k=
Current assets29/58€132k€295k▲
Amounts receivable within one year40/41€115k€292k▲
Trade receivables40€5k€4k▼
Other amounts receivable41€109k€288k▲
Cash at bank and in hand54/58€17k€3k▼
Equity and liabilities
Total equity and liabilities10/49€173k€336k▲
Equity10/15€41k€40k▼
Contributions10/11€32k€32k=
Profit (loss) carried forward14€9k€8k▼
Amounts payable17/49€131k€295k▲
Amounts payable within one year42/48€131k€295k▲
Trade debts44€911€1k▲
Suppliers440/4€911€1k▲
Taxes, remuneration and social security45€4k€975▼
Taxes450/3€4k€975▼
Other amounts payable47/48€126k€293k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€400€400=
Gross operating margin9900€1k€-11k▼
Operating profit (loss)9901€653€-12k▼
Financial income75/76B€2k€12k▲
Recurring financial income75€2k€12k▲
Financial charges65/66B€189€46▼
Recurring financial charges65€189€46▼
Profit (loss) for the period before taxes9903€3k€142▼
Income taxes67/77€1k€975▼
Profit (loss) for the period9904€2k€-833▼
Profit (loss) for the period to be appropriated9905€2k€-833▼
Appropriation of the result
Profit (loss) to be appropriated9906€9k€8k▼
Profit (loss) brought forward from the previous period14P€7k€9k▲
The notes to these accounts (5 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
16-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 16 days late
2025
25-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 56 days late
2024
19-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 19 days late
2023
31-12
Financial
Back to profitnet €12k
Net result €12k after one loss-making year.
25-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 25 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Brussel · 1 establishment unit since 2022
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.
Marcqstraat 71000 BrusselGround area
195 m²
Building footprint
100 m²
Volume, LiDAR
1,105 m³
Parcel 21812N1190/00A000, Brussels · tallest building 16.8 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
JUNI (HOLDINGS)
since 20222.336.514.125
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21812N1190/00A000 | Brussels | 195 m² | 1 · 100 m² | 16.8 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,762. 9,728 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-10-2022
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 4 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.