Summary
JUTOR 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 €712,172 and a net result of €6,728. Equity is growing by about 4.4% per year across the filed financial years. Its solvency ranks better than 84% of 6,673 sector peers (NACE 64, financial year 2025). The company has been active since 2010 and the Belgian Official Gazette contains no insolvency or warning signals.
Financials · financial year 2025, abbreviated format
Equity
€712,172▲ 1.0%
2024 · €705,444
Net result
€6,728▼ 69.1%
2024 · €21,781
Total assets
€804,216▼ 2.6%
2024 · €825,327
Solvency
88.6%▲ 3.1pp
2024 · 85.5%
Trend over the years
2021 to 2025, 5 financial years 2019 to 2025, 7 financial years
The operating result has fallen two years in a row; 2025 is 66% below 2024 and is the lowest result in the available series.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
Operating result€10,275
2025
Net result€6,728
2025
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Total assets€804,216
2025
Equity€712,172
2025
Debt€74,111
2025
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
Working capital€82,647
2025
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
Return on assets (ROA)0.8%
2025
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Solvency88.6%
2025
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Current ratio4.94
2025
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 64, Financial service activities, except insurance and pension funding: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the financial year before
favourable
unfavourable
Line2019202020212022202320242025
Operating result€24,032-€24,016▼ 0.1%€15,909▼ 33.8%€20,265▲ 27.4%€78,633▲ 288%€30,284▼ 61.5%€10,275▼ 66.1%
Net result€39,183-€66,988within the sector's middle half▲ 71.0%€11,274within the sector's middle half▼ 83.2%€14,044within the sector's middle half▲ 24.6%€57,258within the sector's middle half▲ 308%€21,781within the sector's middle half▼ 62.0%€6,728within the sector's middle half▼ 69.1%
Equity€534,098-€601,087within the sector's middle half▲ 12.5%€612,361within the sector's middle half▲ 1.9%€626,405within the sector's middle half▲ 2.3%€683,663within the sector's middle half▲ 9.1%€705,444within the sector's middle half▲ 3.2%€712,172within the sector's middle half▲ 1.0%
Total assets€722,338-€725,093within the sector's middle half▲ 0.4%€729,291within the sector's middle half▲ 0.6%€721,834within the sector's middle half▼ 1.0%€767,060within the sector's middle half▲ 6.3%€825,327within the sector's middle half▲ 7.6%€804,216within the sector's middle half▼ 2.6%
Debt€170,307-€106,073▼ 37.7%€98,997▼ 6.7%€77,495▼ 21.7%€65,464▼ 15.5%€101,949▲ 55.7%€74,111▼ 27.3%
Working capital-€108,579--€57,164within the sector's middle half▲ 47.4%-€67,445within the sector's middle half▼ 18.0%-€52,047within the sector's middle half▲ 22.8%€4,365within the sector's middle half€76,757within the sector's middle half▲ 18×€82,647within the sector's middle half▲ 7.7%
Solvency73.9%-82.9%above the sector's middle half▲ 9.0pp84.0%above the sector's middle half▲ 1.1pp86.8%above the sector's middle half▲ 2.8pp89.1%above the sector's middle half▲ 2.3pp85.5%above the sector's middle half▼ 3.7pp88.6%above the sector's middle half▲ 3.1pp
Current ratio0.16-0.30below the sector's middle half▲ 0.140.30below the sector's middle half=0.30below the sector's middle half=1.07within the sector's middle half▲ 0.772.57within the sector's middle half▲ 1.504.94above the sector's middle half▲ 2.38
Return on assets (ROA)5.4%-9.2%within the sector's middle half▲ 3.8pp1.5%within the sector's middle half▼ 7.7pp1.9%within the sector's middle half▲ 0.4pp7.5%within the sector's middle half▲ 5.5pp2.6%within the sector's middle half▼ 4.8pp0.8%within the sector's middle half▼ 1.8pp
above
within
below
the middle half of NACE 64, Financial service activities, except insurance and pension funding: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30.
Turnover and EBIT margin not published: the abbreviated format does not require them. The turnover shown is an estimate from the gross margin.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €804,216
Fixed assets
€700,610 ▲ 0.2%
Current assets
€103,606 ▼ 17.6%
Equity and liabilities €804,216
Equity
€712,172 ▲ 1.0%
Provisions
€17,933 =
Debt
€74,111 ▼ 27.3%
Debt's share of the balance-sheet total falls from 12.4% to 9.2%. Equity is higher and debt is lower.
Key figures and ratios
ROE
0.9%▼
2024 · 3.1%
Debt ≤ 1 year
€20,959▼
2024 · €49,019
Debt > 1 year
€50,000=
2024 · €50,000
Income taxes
€2,739▼
2024 · €8,705
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,492 | €1,170 | €1,307 | €1,176 | €1,275 | €958 | €945 | ▼ 1.4% |
| Other operating charges640/8 | - | - | - | €1,229 | €641 | €805 | €823 | ▲ 2.2% |
| Gross operating margin9900 | €26,251 | €26,521 | €18,498 | €22,670 | €80,549 | €32,047 | €12,042 | ▼ 62.4% |
| Operating profit (loss)9901 | €24,032 | €24,016 | €15,909 | €20,265 | €78,633 | €30,284 | €10,275 | ▼ 66.1% |
| Financial income75/76B | - | - | - | - | - | €369 | €987 | ▲ 167% |
| Recurring financial income75 | €25,000 | €50,000 | - | - | - | €369 | €987 | ▲ 167% |
| Financial charges65/66B | - | - | - | €156 | €240 | €168 | €1,795 | ▲ 966% |
| Recurring financial charges65 | €5,875 | €2,284 | €1,470 | €156 | €240 | €168 | €1,795 | ▲ 966% |
| Profit (loss) for the period before taxes9903 | €43,157 | €71,733 | €14,439 | €20,109 | €78,393 | €30,486 | €9,467 | ▼ 68.9% |
| Income taxes67/77 | €3,974 | €4,744 | €3,165 | €6,065 | €21,135 | €8,705 | €2,739 | ▼ 68.5% |
| Profit (loss) for the period9904 | €39,183 | €66,988 | €11,274 | €14,044 | €57,258 | €21,781 | €6,728 | ▼ 69.1% |
| Transfer from tax-exempt reserves789 | - | - | - | €10,033 | - | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €39,183 | €66,988 | €11,274 | €24,077 | €57,258 | €21,781 | €6,728 | ▼ 69.1% |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||
| Total assets20/58 | €722,338 | €725,093 | €729,291 | €721,834 | €767,060 | €825,327 | €804,216 | ▼ 2.6% |
| Fixed assets21/28 | €701,586 | €700,969 | €700,330 | €699,154 | €700,022 | €699,551 | €700,610 | ▲ 0.2% |
| Tangible fixed assets22/27 | €3,586 | €2,969 | €2,330 | €1,154 | €2,022 | €1,551 | €2,610 | ▲ 68.3% |
| Plant, machinery and equipment23 | - | - | - | €308 | €1,945 | €1,551 | €2,610 | ▲ 68.3% |
| Other tangible fixed assets26 | - | - | - | €846 | €77 | - | - | - |
| Financial fixed assets28 | €698,000 | €698,000 | €698,000 | €698,000 | €698,000 | €698,000 | €698,000 | = |
| Current assets29/58 | €20,752 | €24,124 | €28,961 | €22,679 | €67,038 | €125,776 | €103,606 | ▼ 17.6% |
| Amounts receivable within one year40/41 | €7,079 | €15,987 | €7,885 | €6,050 | €9,575 | €8,470 | €5,557 | ▼ 34.4% |
| Trade receivables40 | - | - | - | €6,050 | €8,470 | €8,470 | - | - |
| Other amounts receivable41 | - | - | - | - | €1,105 | - | €5,557 | - |
| Cash at bank and in hand54/58 | €12,663 | €7,596 | €20,519 | €16,056 | €57,020 | €116,863 | €98,049 | ▼ 16.1% |
| Deferred charges and accrued income490/1 | - | - | - | €573 | €443 | €444 | - | - |
| Equity and liabilities | ||||||||
| Total equity and liabilities10/49 | €722,338 | €725,093 | €729,291 | €721,834 | €767,060 | €825,327 | €804,216 | ▼ 2.6% |
| Equity10/15 | €534,098 | €601,087 | €612,361 | €626,405 | €683,663 | €705,444 | €712,172 | ▲ 1.0% |
| Contributions10/11 | €180,700 | - | - | €180,700 | €180,700 | €180,700 | €180,700 | = |
| Reserves13 | €246,863 | €246,863 | €246,863 | €236,829 | €236,829 | €236,829 | €236,829 | = |
| Non-distributable reserves130/1 | - | - | - | €12,704 | - | - | - | - |
| Reserves not available under the articles1311 | - | - | - | €12,704 | - | - | - | - |
| Distributable reserves133 | - | - | - | €224,125 | €236,829 | €236,829 | €236,829 | = |
| Profit (loss) carried forward14 | €106,536 | €173,524 | €184,798 | €208,876 | €266,134 | €287,915 | €294,643 | ▲ 2.3% |
| Provisions and deferred taxes16 | €17,933 | €17,933 | €17,933 | €17,933 | €17,933 | €17,933 | €17,933 | = |
| Provisions for liabilities and charges160/5 | - | - | - | €17,933 | €17,933 | €17,933 | €17,933 | = |
| Pensions and similar obligations160 | - | - | - | €17,933 | €17,933 | €17,933 | €17,933 | = |
| Amounts payable17/49 | €170,307 | €106,073 | €98,997 | €77,495 | €65,464 | €101,949 | €74,111 | ▼ 27.3% |
| Amounts payable after more than one year17 | €39,251 | €22,510 | - | - | - | €50,000 | €50,000 | = |
| Financial debts170/4 | - | - | - | - | - | €50,000 | €50,000 | = |
| Amounts payable within one year42/48 | €129,332 | €81,288 | €96,406 | €74,726 | €62,674 | €49,019 | €20,959 | ▼ 57.2% |
| Financial debts43 | - | - | - | - | €8,000 | €4,000 | €4,000 | = |
| Credit institutions430/8 | - | - | - | - | €8,000 | €4,000 | €4,000 | = |
| Trade debts44 | €1,146 | €867 | €1,063 | €942 | €357 | €1,381 | €400 | ▼ 71.0% |
| Suppliers440/4 | - | - | - | €942 | €357 | €1,381 | €400 | ▼ 71.0% |
| Taxes, remuneration and social security45 | - | - | - | €5,541 | €10,846 | €7,755 | €3,128 | ▼ 59.7% |
| Taxes450/3 | - | - | - | €5,541 | €10,846 | €7,755 | €3,128 | ▼ 59.7% |
| Other amounts payable47/48 | - | - | - | €68,242 | €43,471 | €35,883 | €13,431 | ▼ 62.6% |
| Accrued charges and deferred income492/3 | - | - | - | €2,769 | €2,790 | €2,930 | €3,151 | ▲ 7.5% |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €39,183 | €66,988 | €11,274 | €14,044 | €57,258 | €21,781 | €6,728 | ▼ 69.1% |
| + Depreciation and write-downs630 | €1,492 | €1,170 | €1,307 | €1,176 | €1,275 | €958 | €945 | ▼ 1.4% |
| Operating cash flow (approximation) | €40,675 | €68,158 | €12,581 | €15,220 | €58,533 | €22,739 | €7,673 | ▼ 66.3% |
| Investment in fixed assets (approximation) | - | -€553 | -€669 | €0 | -€2,143 | -€487 | -€2,004 | ▼ 312% |
| Change in cash | - | -€5,067 | €12,923 | -€4,463 | €40,964 | €59,843 | -€18,813 | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Latest 10 of 15 filings with the National Bank
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 30-06-2025 | abbreviated format | 12-12-2025 | 2025-00581587 |
| 30-06-2024 | abbreviated format | 11-12-2024 | 2024-00615985 |
| 30-06-2023 | abbreviated format | 11-12-2023 | 2023-00527857 |
| 30-06-2022 | abbreviated format | 16-12-2022 | 2022-20539168 |
| 30-06-2021 | abbreviated format | 20-12-2021 | 2021-81500358 |
| 30-06-2020 | abbreviated format | 14-12-2020 | 2020-75400247 |
| 30-06-2019 | abbreviated format | 25-11-2019 | 2019-74500121 |
| 30-06-2018 | abbreviated format | 03-12-2018 | 2018-73500469 |
| 30-06-2017 | abbreviated format | 06-12-2017 | 2017-71400118 |
| 30-06-2016 | abbreviated format | 07-10-2016 | 2016-65200582 |
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Of the 24,456 active companies whose main activity is activities of holding companies (NACE 64210), figures are known for 20,093. 13,405 are within a factor 10 of this equity. These 5 are the closest to it. See the whole sector
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.