Summary
JUNICO 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 €581,141 and a net result of €78,447. Equity is growing by ~73.2% per year across the filed fiscal years. Its solvency ranks better than 25% of 8074 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked 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.
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Signals
Two 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 25% of 8074 sector peers (2025).
NBB · sector comparisonPosition among 8074 sector peers
Solvency
better than 25%
← 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 31-08-2026, 31 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 · 7 filingsDeviation from the deadline
2025
31 d late
2024
29 d late
2023
30 d late
2022
22 d late
2021
30 d late
2020
31 d late
2019
62 d late
← 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 34 days after the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% 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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€581,141▲ 281%
2024 · €152,694
Net result
€78,447▼ 41.1%
2024 · €133,271
Total assets
€2.9m▲ 16.8%
2024 · €2.4m
Solvency
20.4%▲ 14.1pp
2024 · 6.3%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, 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€51,732▲ 48.7%-€9,504€33,431€59,532▲ 78.1%€152,152▲ 156%
Net result€38,308within the sector's middle half▲ 24.9%-€26,618below the sector's middle half€16,764within the sector's middle half€133,271above the sector's middle half▲ 695%€78,447within the sector's middle half▼ 41.1%
Equity€29,278below the sector's middle half▲ 72.5%€2,660below the sector's middle half▼ 90.9%€19,424below the sector's middle half▲ 630%€152,694within the sector's middle half▲ 686%€581,141above the sector's middle half▲ 281%
Total assets€958,494above the sector's middle half▲ 190%€1.1mabove the sector's middle half▲ 18.5%€1.0mabove the sector's middle half▼ 8.2%€2.4mabove the sector's middle half▲ 134%€2.9mabove the sector's middle half▲ 16.8%
Debt€929,216▲ 196%€1.1m▲ 21.9%€1.0m▼ 9.7%€2.3m▲ 124%€2.3m▼ 0.8%
Working capital-€42,471▲ 23.9%-€250,692▼ 490%-€306,188▼ 22.1%-€75,686▲ 75.3%-€614,771▼ 712%
Solvency3.1%below the sector's middle half▼ 2.1pp0.2%below the sector's middle half▼ 2.8pp1.9%below the sector's middle half▲ 1.6pp6.3%below the sector's middle half▲ 4.4pp20.4%below the sector's middle half▲ 14.1pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, 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
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 156% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.9m
Fixed assets
€2.8m ▲ 17.1%
Current assets
€93,318 ▲ 8.5%
Equity and liabilities €2.9m
Equity
€581,141 ▲ 281%
Debt
€2.3m ▼ 0.8%
Debt's share of the balance-sheet total falls from 93.7% to 79.6%. Equity is higher and debt is lower.
Key figures and ratios
ROE
13.5%▼
2024 · 87.3%
ROA
2.8%▼
2024 · 5.5%
Debt ≤ 1 year
€708,089▲
2024 · €161,663
Debt > 1 year
€1.6m▼
2024 · €2.1m
Income taxes
€29,247
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €285 | - | €1,762 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €13,657 | €36,562 | €39,841 | €39,204 | €39,139 | ▼ 0.2% |
| Other operating charges640/8 | €3,278 | €36,184 | €1,925 | €3,644 | €3,199 | ▼ 12.2% |
| Gross operating margin9900 | €68,667 | €63,242 | €75,197 | €102,380 | €194,489 | ▲ 90.0% |
| Operating profit (loss)9901 | €51,732 | -€9,504 | €33,431 | €59,532 | €152,152 | ▲ 156% |
| Financial income75/76B | €5 | €393 | €102 | €140,029 | - | - |
| Recurring financial income75 | €5 | €393 | €102 | €140,029 | - | - |
| Financial charges65/66B | €8,147 | €15,738 | €16,769 | €66,290 | €44,458 | ▼ 32.9% |
| Recurring financial charges65 | €8,147 | €15,738 | €16,769 | €66,290 | €44,458 | ▼ 32.9% |
| Profit (loss) for the period before taxes9903 | €43,590 | -€24,850 | €16,764 | €133,271 | €107,694 | ▼ 19.2% |
| Income taxes67/77 | €5,283 | €1,768 | - | - | €29,247 | - |
| Profit (loss) for the period9904 | €38,308 | -€26,618 | €16,764 | €133,271 | €78,447 | ▼ 41.1% |
| Transfer to tax-exempt reserves689 | - | - | €7 | €452 | - | - |
| Profit (loss) for the period to be appropriated9905 | €38,308 | -€26,618 | €16,756 | €132,819 | €78,447 | ▼ 40.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €958,494 | €1.1m | €1.0m | €2.4m | €2.9m | ▲ 16.8% |
| Fixed assets21/28 | €832,091 | €1.0m | €1.0m | €2.4m | €2.8m | ▲ 17.1% |
| Tangible fixed assets22/27 | €809,591 | €1.0m | €1.0m | €981,451 | €1.4m | ▲ 41.1% |
| Land and buildings22 | €745,607 | €974,616 | €976,059 | €954,445 | €1.3m | ▲ 34.1% |
| Plant, machinery and equipment23 | €3,156 | - | - | - | - | - |
| Furniture and vehicles24 | €60,828 | €47,710 | €36,874 | €27,006 | €104,989 | ▲ 289% |
| Financial fixed assets28 | €22,500 | €22,500 | €22,500 | €1.4m | €1.4m | = |
| Current assets29/58 | €126,403 | €90,867 | €7,235 | €85,978 | €93,318 | ▲ 8.5% |
| Stocks and contracts in progress3 | €22,000 | - | - | - | - | - |
| Stocks30/36 | €22,000 | - | - | - | - | - |
| Amounts receivable within one year40/41 | €230 | €37,230 | €4,015 | €81,966 | €75,112 | ▼ 8.4% |
| Trade receivables40 | €230 | €8,682 | €1,065 | €57,311 | €792 | ▼ 98.6% |
| Other amounts receivable41 | - | €28,548 | €2,950 | €24,655 | €74,321 | ▲ 201% |
| Cash at bank and in hand54/58 | €103,974 | €43,910 | €1,465 | €3,571 | €18,206 | ▲ 410% |
| Deferred charges and accrued income490/1 | €199 | €9,727 | €1,755 | €441 | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €958,494 | €1.1m | €1.0m | €2.4m | €2.9m | ▲ 16.8% |
| Equity10/15 | €29,278 | €2,660 | €19,424 | €152,694 | €581,141 | ▲ 281% |
| Contributions10/11 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Revaluation surpluses12 | - | - | - | - | €350,000 | - |
| Reserves13 | €1,860 | €1,860 | €1,867 | €2,319 | €2,319 | = |
| Non-distributable reserves130/1 | €1,860 | €1,860 | - | - | - | - |
| Reserves not available under the articles1311 | €1,860 | €1,860 | - | - | - | - |
| Tax-exempt reserves132 | - | - | €7 | €459 | €459 | = |
| Distributable reserves133 | - | - | €1,860 | €1,860 | €1,860 | = |
| Profit (loss) carried forward14 | €21,218 | -€5,400 | €11,356 | €144,175 | €222,622 | ▲ 54.4% |
| Amounts payable17/49 | €929,216 | €1.1m | €1.0m | €2.3m | €2.3m | ▼ 0.8% |
| Amounts payable after more than one year17 | €760,342 | €791,474 | €709,822 | €2.1m | €1.6m | ▼ 26.6% |
| Financial debts170/4 | €760,342 | €791,474 | €709,822 | €2.1m | €1.6m | ▼ 26.6% |
| Amounts payable within one year42/48 | €168,874 | €341,559 | €313,423 | €161,663 | €708,089 | ▲ 338% |
| Current portion of amounts payable after more than one year42 | €24,945 | €49,892 | €81,652 | €90,166 | €139,481 | ▲ 54.7% |
| Trade debts44 | €971 | €92,354 | €14,391 | - | €2,774 | - |
| Suppliers440/4 | €971 | €92,354 | €14,391 | - | €2,774 | - |
| Taxes, remuneration and social security45 | €7,866 | €19,844 | €1,508 | €10,077 | €29,476 | ▲ 193% |
| Taxes450/3 | €7,866 | €19,844 | €1,508 | €10,077 | €29,476 | ▲ 193% |
| Other amounts payable47/48 | €135,091 | €179,469 | €215,871 | €61,420 | €536,357 | ▲ 773% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €38,308 | -€26,618 | €16,764 | €133,271 | €78,447 | ▼ 41.1% |
| + Depreciation and write-downs630 | €13,657 | €36,562 | €39,841 | €39,204 | €39,139 | ▼ 0.2% |
| Operating cash flow (approximation) | €51,965 | €9,944 | €56,605 | €172,475 | €117,585 | ▼ 31.8% |
| Investment in fixed assets (approximation) | - | -€249,297 | -€30,449 | -€1.4m | -€442,189 | ▲ 67.4% |
| Change in cash | - | -€60,063 | -€42,445 | €2,106 | €14,635 | ▲ 595% |
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Equity above €500,000Eq €581,141 ▲281%
3 profitable years in a row build equity to €581,141.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Highest result since 2019net €133,271 ▲695%
Net result €133,271, the highest in the series.
31-12
Financial
Equity above €150,000Eq €152,694 ▲686%
2 profitable years in a row build equity to €152,694.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Back to profitnet €16,764
Net result €16,764 after one loss-making year.
22-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 22 days late
2022
31-12
Financial
Weakest financial yearnet -€26,618
Net result drops to -€26,618, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
01-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 62 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
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, Lille · 1 establishment unit since 2018
Ground area
1,073 m²
Building footprint
227 m²
Volume, LiDAR
1,275 m³
Parcel 13009C0116/00B000, Flanders · tallest building 9.9 m, ±2 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
JUNICO
since 20182.275.355.229
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13009C0116/00B000 | Flanders | 1,073 m² | 1 · 227 m² | 9.9 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.
Structure & network
Owners and holdings
2 holdingsOwners 0
The accounts to 31-12-2025 list no shareholders, and no other source names one.
Holdings 2
-
100%
-
100%
According to the 2025 annual accounts of JUNICO and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
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Of 24,729 companies in sector 64210 we hold annual accounts for 19,773. 13,508 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
Founded24-04-2018
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
68110Buying and selling of own real estate
70200Business and other management consultancy
82990Other business support services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0695423781
Also
9925:BE0695423781
Registered
06-11-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.