JUSTE
ActiveSummary
JUSTE has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.23M and a net result of €764k. Equity is growing by ~6.6% per year across the filed fiscal years. Its solvency ranks better than 51% of 31791 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability66▲+39
Solvency82▲+36
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €90k at 30 days acceptable
Liquidity short (current ratio 0.05 against 0.05 in 2024; short-term debt: 19.3% and cash: 0.8% of total assets), and 43.1% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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 70
Relative position
BE, all sectors
reference
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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
56.9%
Return on assets
35.5%
Age of the figures
9 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
neutral · A punctual record breaks
This company filed 5 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
65 d early
2023
13 d early
2022
18 d early
2021
16 d early
2020
23 d early
2019
25 d late
← 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€1.23M▲ 166%
2024 · €461k
2018: €336klowest in 8 years
2019: €373k▲ +11.0% vs 2018
2020: €598k▲ +60.4% vs 2019
2021: €608k▲ +1.7% vs 2020
2022: €518k▼ -14.9% vs 2021
2023: €481k▼ -7.1% vs 2022
2024: €461k▼ -4.1% vs 2023
2025: €1.23M▲ +166% vs 2024highest in 8 years
2018 → 2025
Total assets
€2.15M▼ 1.9%
2024 · €2.20M
2018: €981k
2019: €1.06M▲ +7.7% vs 2018
2020: €1.08M▲ +1.8% vs 2019
2021: €833k▼ -22.6% vs 2020lowest in 8 years
2022: €835k▲ +0.2% vs 2021
2023: €2.30M▲ +175% vs 2022highest in 8 years
2024: €2.20M▼ -4.4% vs 2023
2025: €2.15M▼ -1.9% vs 2024
2018 → 2025
Net result
€764k▲ 4,308%
2024 · €17k
2018: €150k
2019: €37k▼ -75.3% vs 2018
2020: €225k▲ +507% vs 2019
2021: €10k▼ -95.4% vs 2020lowest in 8 years
2022: €89k▲ +768% vs 2021
2023: €95k▲ +6.7% vs 2022
2024: €17k▼ -81.7% vs 2023
2025: €764k▲ +4308% vs 2024highest in 8 years
2018 → 2025
Working capital
€-397k▲ 60.3%
2024 · €-999k
2018: €-22k
2019: €12k▲ +155% vs 2018highest in 8 years
2020: €-158k▼ -1402% vs 2019
2021: €-68k▲ +57.0% vs 2020
2022: €-139k▼ -105% vs 2021
2023: €-843k▼ -507% vs 2022
2024: €-999k▼ -18.4% vs 2023lowest in 8 years
2025: €-397k▲ +60.3% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€608k-€518k▼ 14.9%€481k▼ 7.1%€461k▼ 4.1%€1.23M▲ 166%
2021: €608k
2022: €518k▼ -14.9% vs 2021
2023: €481k▼ -7.1% vs 2022
2024: €461k▼ -4.1% vs 2023lowest in 5 years
2025: €1.23M▲ +166% vs 2024highest in 5 years
Operating result€-42k-€-28k▲ 33.5%€18k€33k▲ 88.1%€39k▲ 17.1%
2021: €-42klowest in 5 years
2022: €-28k▲ +33.5% vs 2021
2023: €18k▲ +163% vs 2022
2024: €33k▲ +88.1% vs 2023
2025: €39k▲ +17.1% vs 2024highest in 5 years
Net result€10k-€89k▲ 768%€95k▲ 6.7%€17k▼ 81.7%€764k▲ 4,308%
2021: €10klowest in 5 years
2022: €89k▲ +768% vs 2021
2023: €95k▲ +6.7% vs 2022
2024: €17k▼ -81.7% vs 2023
2025: €764k▲ +4308% vs 2024highest in 5 years
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 17% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.15M
Fixed assets
€2.13M ▼ 0.3%
Current assets
€20k ▼ 64.1%
Equity and liabilities €2.15M
Equity
€1.23M ▲ 166%
Debt
€928k ▼ 46.5%
Debt's share of the balance-sheet total falls from 79.0% to 43.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€45k▲
2024 · €39k
Cash flow
€770k▲
2024 · €23k
Current ratio
0.05▼
2024 · 0.05
Debt to equity
0.76▼
2024 · 3.76
ROE
62.4%▲
2024 · 3.8%
ROA
35.5%▲
2024 · 0.8%
Interest coverage
1.97▲
2024 · 0.86
Debt ≤ 1 year
€417k▼
2024 · €1.05M
Debt > 1 year
€512k▼
2024 · €666k
Income taxes
€2k▲
2024 · €0
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 · 46 lines
Balance sheet
Code20242025
Assets
Total assets20/58€2.20M€2.15M▼
Fixed assets21/28€2.14M€2.13M▼
Tangible fixed assets22/27€18k€12k▼
Furniture and vehicles24€18k€12k▼
Financial fixed assets28€2.12M€2.12M=
Current assets29/58€56k€20k▼
Amounts receivable within one year40/41€39k€1k▼
Trade receivables40€5k€1k▼
Other amounts receivable41€34k€0▼
Cash at bank and in hand54/58€16k€16k▲
Deferred charges and accrued income490/1€1k€3k▲
Equity and liabilities
Total equity and liabilities10/49€2.20M€2.15M▼
Equity10/15€461k€1.23M▲
Contributions10/11€89k€89k=
Reserves13€19k€19k=
Distributable reserves133€19k€19k=
Profit (loss) carried forward14€354k€1.12M▲
Amounts payable17/49€1.73M€928k▼
Amounts payable after more than one year17€666k€512k▼
Financial debts170/4€666k€512k▼
Amounts payable within one year42/48€1.05M€417k▼
Current portion of amounts payable after more than one year42€155k€155k▼
Trade debts44€120€1k▲
Suppliers440/4€120€1k▲
Taxes, remuneration and social security45€6k€4k▼
Taxes450/3€6k€4k▼
Other amounts payable47/48€894k€257k▼
Accrued charges and deferred income492/3€14k€0▼
Income statement
Code20242025
Non-recurring operating income76A€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€6k▼
Other operating charges640/8€812€1k▲
Gross operating margin9900€40k€46k▲
Operating profit (loss)9901€33k€39k▲
Financial income75/76B€30k€750k▲
Recurring financial income75€30k€750k▲
Financial charges65/66B€46k€23k▼
Recurring financial charges65€46k€23k▼
Profit (loss) for the period before taxes9903€17k€766k▲
Income taxes67/77€0€2k▲
Profit (loss) for the period9904€17k€764k▲
Profit (loss) for the period to be appropriated9905€17k€764k▲
Appropriation of the result
Profit (loss) to be appropriated9906€354k€1.12M▲
Profit (loss) brought forward from the previous period14P€336k€354k▲
Transfer from equity791/2€37k€0▼
Profit to be distributed694/7€37k€0▼
Return on contributions (dividend)694€37k€0▼
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | €2k | €0 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €25k | €32k | €8k | €6k | €6k | ▼ 2.6% |
| Other operating charges640/8 | €5k | €3k | €1k | €812 | €1k | ▲ 65.5% |
| Non-recurring operating charges66A | €24k | €0 | - | - | - | - |
| Gross operating margin9900 | €12k | €7k | €27k | €40k | €46k | ▲ 15.1% |
| Operating profit (loss)9901 | €-42k | €-28k | €18k | €33k | €39k | ▲ 17.1% |
| Financial income75/76B | €60k | €120k | €100k | €30k | €750k | ▲ 2,400% |
| Recurring financial income75 | €60k | €120k | €100k | €30k | €750k | ▲ 2,400% |
| Financial charges65/66B | €7k | €2k | €22k | €46k | €23k | ▼ 50.5% |
| Recurring financial charges65 | €7k | €2k | €22k | €46k | €23k | ▼ 50.5% |
| Profit (loss) for the period before taxes9903 | €11k | €90k | €96k | €17k | €766k | ▲ 4,317% |
| Income taxes67/77 | €455 | €1k | €971 | €0 | €2k | - |
| Profit (loss) for the period9904 | €10k | €89k | €95k | €17k | €764k | ▲ 4,308% |
| Profit (loss) for the period to be appropriated9905 | €10k | €89k | €95k | €17k | €764k | ▲ 4,308% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €833k | €835k | €2.30M | €2.20M | €2.15M | ▼ 1.9% |
| Fixed assets21/28 | €697k | €665k | €2.15M | €2.14M | €2.13M | ▼ 0.3% |
| Tangible fixed assets22/27 | €75k | €44k | €24k | €18k | €12k | ▼ 33.3% |
| Land and buildings22 | €0 | - | - | - | - | - |
| Plant, machinery and equipment23 | €423 | €138 | €0 | - | - | - |
| Furniture and vehicles24 | €75k | €43k | €24k | €18k | €12k | ▼ 33.3% |
| Financial fixed assets28 | €622k | €622k | €2.12M | €2.12M | €2.12M | = |
| Current assets29/58 | €136k | €169k | €151k | €56k | €20k | ▼ 64.1% |
| Stocks and contracts in progress3 | €0 | - | - | - | - | - |
| Stocks30/36 | €0 | - | - | - | - | - |
| Amounts receivable within one year40/41 | €133k | €163k | €132k | €39k | €1k | ▼ 96.6% |
| Trade receivables40 | €6k | €3k | €4k | €5k | €1k | ▼ 73.0% |
| Other amounts receivable41 | €126k | €160k | €127k | €34k | €0 | ▼ 100% |
| Cash at bank and in hand54/58 | €814 | €2k | €15k | €16k | €16k | ▲ 3.8% |
| Deferred charges and accrued income490/1 | €3k | €4k | €4k | €1k | €3k | ▲ 142% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €833k | €835k | €2.30M | €2.20M | €2.15M | ▼ 1.9% |
| Equity10/15 | €608k | €518k | €481k | €461k | €1.23M | ▲ 166% |
| Contributions10/11 | €185k | €89k | €89k | €89k | €89k | = |
| Reserves13 | €187k | €187k | €56k | €19k | €19k | = |
| Non-distributable reserves130/1 | €19k | €0 | - | - | - | - |
| Reserves not available under the articles1311 | €19k | €0 | - | - | - | - |
| Distributable reserves133 | €169k | €187k | €56k | €19k | €19k | = |
| Profit (loss) carried forward14 | €236k | €241k | €336k | €354k | €1.12M | ▲ 216% |
| Amounts payable17/49 | €225k | €317k | €1.82M | €1.73M | €928k | ▼ 46.5% |
| Amounts payable after more than one year17 | €21k | €9k | €822k | €666k | €512k | ▼ 23.2% |
| Financial debts170/4 | €21k | €9k | €822k | €666k | €512k | ▼ 23.2% |
| Amounts payable within one year42/48 | €204k | €308k | €994k | €1.05M | €417k | ▼ 60.5% |
| Current portion of amounts payable after more than one year42 | €32k | €15k | €170k | €155k | €155k | ▼ 0.4% |
| Financial debts43 | €0 | - | - | - | - | - |
| Credit institutions430/8 | €0 | - | - | - | - | - |
| Trade debts44 | €7k | €4k | €1k | €120 | €1k | ▲ 1,111% |
| Suppliers440/4 | €7k | €4k | €1k | €120 | €1k | ▲ 1,111% |
| Taxes, remuneration and social security45 | €48k | €27k | €13k | €6k | €4k | ▼ 31.7% |
| Taxes450/3 | €48k | €27k | €13k | €6k | €4k | ▼ 31.7% |
| Other amounts payable47/48 | €117k | €263k | €810k | €894k | €257k | ▼ 71.3% |
| Accrued charges and deferred income492/3 | - | - | - | €14k | €0 | ▼ 100% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €10k | €89k | €95k | €17k | €764k | ▲ 4,308% |
| + Depreciation and write-downs630 | €25k | €32k | €8k | €6k | €6k | ▼ 2.6% |
| Operating cash flow (approximation) | €35k | €121k | €103k | €23k | €770k | ▲ 3,188% |
| Investment in fixed assets (approximation) | - | €0 | €-1.49M | €0 | €0 | - |
| Change in cash | - | €1k | €13k | €325 | €597 | ▲ 83.5% |
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
Highest result since 2018net €764k ▲4,308%
Net result €764k, the highest in the series.
31-12
Financial
Equity above €1MEq €1.23M ▲166%
8 profitable years in a row build equity to €1.23M.
27-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
18-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
13-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
15-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €10k ▼95.4%
Net result drops to €10k, the lowest in the series; recovery starts the following year.
08-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €500kEq €598k ▲60.4%
3 profitable years in a row build equity to €598k.
25-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 25 days late
2019
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
19-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
12-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro 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, Namur · 1 establishment unit since 2009
Ground area
1,937 m²
Building footprint
305 m²
Volume, LiDAR
1,671 m³
Parcel 92083B0209/00L012, Wallonia · tallest building 7.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JUSTE SRL
since 20092.177.255.169
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92083B0209/00L012 | Wallonia | 1,937 m² | 1 · 305 m² | 7.2 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.
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Of 82,553 companies in sector 70200 we hold annual accounts for 52,585. 25,629 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
Founded26-01-2009
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
Scores and ratios are computed by Checked and are not a credit decision.