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JUWOLI

Active
Private limited companyfounded 201015 yrs activeRiksingenstraat 7, 3700 Tongeren-Borgloon, BelgiumKBO/BCE: BE 0829.968.622
Summary

JUWOLI has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €265,466 and a net result of €123,983. Equity is growing by ~17.5% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 1.0% (low).

Checked score

Score 2024
Axes · tick = 2023
Profitability98▲+2
Solvency75▼-7
Growth78=
Track record100
Bankruptcy probability, 12 months
1.0% Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €18,000 at 30 days acceptable
Liquidity ample (current ratio 2.19 against 3.39 in 2023; short-term debt: 41.3% and cash: 8.6% of total assets), and 49.6% of the assets are financed with debt.
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Signals

Three signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · No NACE activity registered
No NACE activity is registered in the KBO, which is more common among companies that later fail.
KBO · activities
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 15 years 0 20 y
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 10-07-2025, 21 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
not confirmed
2024
21 d early
2023
37 d early
2022
45 d early
2021
22 d late
2020
5 d early
2019
24 d early
← before the deadline after the deadline →
tick = median of all Belgian filings

This company filed its last 6 accounts on average 18 days before the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.

Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

On 5 October 2010, JUWOLI was incorporated.1 Total assets went from EUR 362,393 in 2018 to EUR 526,547 in 2024.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2018 and 2024

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Financials · fiscal year 2024, abbreviated schema

Equity
€265,466▲ 10.1%
2023 · €241,081
Total assets
€526,547▲ 24.2%
2023 · €423,871
Net result
€123,983▲ 34.9%
2023 · €91,911
Working capital
€257,928▼ 1.6%
2023 · €262,177
Trend over the years

Click a name to add, emphasise or remove a line.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20202021202220232024
Operating result€111,964▲ 94.0%€11,336▼ 89.9%€19,031▲ 67.9%€118,508▲ 523%€191,839▲ 61.9%
Net result€62,812▲ 85.5%€681▼ 98.9%€6,238▲ 816%€91,911▲ 1,373%€123,983▲ 34.9%
Equity€176,251▲ 55.4%€176,932▲ 0.4%€183,170▲ 3.5%€241,081▲ 31.6%€265,466▲ 10.1%
Total assets€475,281▲ 22.5%€425,608▼ 10.5%€375,041▼ 11.9%€423,871▲ 13.0%€526,547▲ 24.2%
Debt€299,030▲ 9.0%€248,676▼ 16.8%€191,871▼ 22.8%€182,789▼ 4.7%€261,081▲ 42.8%
Working capital€261,264▲ 13.8%€241,654▼ 7.5%€229,073▼ 5.2%€262,177▲ 14.5%€257,928▼ 1.6%
Staff (FTE)00
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
€0€50,000€100,000€150,000€200,000Operating result 2020: €111,964€111,964Net result 2020: €62,812€62,812Operating result 2021: €11,336€11,336Net result 2021: €681€681Operating result 2022: €19,031€19,031Net result 2022: €6,238€6,238Operating result 2023: €118,508€118,508Net result 2023: €91,911€91,911Operating result 2024: €191,839€191,839Net result 2024: €123,983€123,98320202021202220232024€0€50,000€100,000€150,000€200,000Operating result 2022: €19,031€19,000Net result 2022: €6,238€6,240Operating result 2023: €118,508€119,000Net result 2023: €91,911€91,900Operating result 2024: €191,839€192,000Net result 2024: €123,983€124,000202220232024
After the dip in 2021 the operating result has climbed three years in a row; 2024 is 62% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €526,547
Fixed assets €51,313 ▼ 1.4%
Current assets €475,234 ▲ 27.8%
Equity and liabilities €526,547
Equity €265,466 ▲ 10.1%
Debt €261,081 ▲ 42.8%
Debt's share of the balance-sheet total rises from 43.1% to 49.6%. Equity and debt are higher.
Key figures and ratios
2024 value · change against 2023
EBITDA
€198,582▲
2023 · €125,120
Cash flow
€130,727▲
2023 · €98,524
Current ratio
2.19▼
2023 · 3.39
Debt to equity
0.98▲
2023 · 0.76
ROE
46.7%▲
2023 · 38.1%
ROA
23.5%▲
2023 · 21.7%
Interest coverage
22.53▲
2023 · 17.34
Debt ≤ 1 year
€217,306▲
2023 · €109,637
Debt > 1 year
€43,776▼
2023 · €73,152
Income taxes
€69,961▲
2023 · €23,867
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 17,792 companies that looked in July 2024 the way this one looks now, 0.2% went bankrupt within 24 months and 97% are still going.

  • Small
  • 10 to 20 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more
0.2% went bankrupt
3.2% stopped otherwise
97% still going

For this company itself Checked computes a higher bankruptcy probability: 1.0% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.6%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 17,792 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2024 against 2023 · 54 lines
Balance sheet Code20232024
Assets
Total assets20/58€423,871€526,547▲
Fixed assets21/28€52,057€51,313▼
Tangible fixed assets22/27€52,057€51,313▼
Land and buildings22€32,001€0▼
Plant, machinery and equipment23€1,458€1,408▼
Furniture and vehicles24€5,333€3,002▼
Other tangible fixed assets26€13,265€46,903▲
Current assets29/58€371,814€475,234▲
Amounts receivable after more than one year29€156,125€126,242▼
Other amounts receivable291€156,125€126,242▼
Amounts receivable within one year40/41€210,511€294,868▲
Trade receivables40€6,387€8,082▲
Other amounts receivable41€204,124€286,786▲
Cash at bank and in hand54/58€5,144€45,265▲
Deferred charges and accrued income490/1€34€8,860▲
Equity and liabilities
Total equity and liabilities10/49€423,871€526,547▲
Equity10/15€241,081€265,466▲
Contributions10/11€6,200€6,200=
Reserves13€233,363€257,748▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€233,363€257,748▲
Profit (loss) carried forward14€1,518€1,518=
Amounts payable17/49€182,789€261,081▲
Amounts payable after more than one year17€73,152€43,776▼
Financial debts170/4€73,152€43,776▼
Amounts payable within one year42/48€109,637€217,306▲
Current portion of amounts payable after more than one year42€28,165€29,377▲
Trade debts44€3,439€39▼
Suppliers440/4€3,439€39▼
Taxes, remuneration and social security45€32,417€99,529▲
Taxes450/3€32,417€99,529▲
Other amounts payable47/48€45,617€88,360▲
Income statement Code20232024
Non-recurring operating income76A€61,932€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6,612€6,743▲
Other operating charges640/8€912€1,373▲
Gross operating margin9900€126,032€199,955▲
Operating profit (loss)9901€118,508€191,839▲
Financial income75/76B€4,487€10,919▲
Recurring financial income75€4,487€10,919▲
Financial charges65/66B€7,216€8,813▲
Recurring financial charges65€7,216€8,813▲
Profit (loss) for the period before taxes9903€115,779€193,945▲
Income taxes67/77€23,867€69,961▲
Profit (loss) for the period9904€91,911€123,983▲
Profit (loss) for the period to be appropriated9905€91,911€123,983▲
Appropriation of the result
Profit (loss) to be appropriated9906€93,430€125,502▲
Profit (loss) brought forward from the previous period14P€1,518€1,518=
Transfer from equity791/2€34,000€38,537▲
Transfer to equity691/2€91,911€62,922▼
To other reserves6921€91,911€62,922▼
Profit to be distributed694/7€34,000€99,599▲
Return on contributions (dividend)694€34,000€99,599▲
Social balance
Average headcount (FTE)90870.00.0=

The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20202021202220232024Change
Non-recurring operating income76A---€61,932€0▼ 100%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12,287€13,512€7,789€6,612€6,743▲ 2.0%
Other operating charges640/8-€2,969€1,149€912€1,373▲ 50.5%
Gross operating margin9900€129,869€27,817€27,968€126,032€199,955▲ 58.7%
Operating profit (loss)9901€111,964€11,336€19,031€118,508€191,839▲ 61.9%
Financial income75/76B-€1,440€2,071€4,487€10,919▲ 143%
Recurring financial income75€1,516€1,440€2,071€4,487€10,919▲ 143%
Financial charges65/66B-€7,963€7,774€7,216€8,813▲ 22.1%
Recurring financial charges65€13,003€7,963€7,774€7,216€8,813▲ 22.1%
Profit (loss) for the period before taxes9903€100,477€4,813€13,328€115,779€193,945▲ 67.5%
Income taxes67/77€37,665€4,132€7,090€23,867€69,961▲ 193%
Profit (loss) for the period9904€62,812€681€6,238€91,911€123,983▲ 34.9%
Profit (loss) for the period to be appropriated9905€62,812€681€6,238€91,911€123,983▲ 34.9%
Line20202021202220232024Change
Assets
Total assets20/58€475,281€425,608€375,041€423,871€526,547▲ 24.2%
Fixed assets21/28€69,746€63,204€55,414€52,057€51,313▼ 1.4%
Tangible fixed assets22/27€69,746€63,204€55,414€52,057€51,313▼ 1.4%
Land and buildings22-€39,896€34,701€32,001€0▼ 100%
Plant, machinery and equipment23-€1,229€1,229€1,458€1,408▼ 3.4%
Furniture and vehicles24-€22,078€19,485€5,333€3,002▼ 43.7%
Other tangible fixed assets26---€13,265€46,903▲ 254%
Current assets29/58€405,535€362,405€319,626€371,814€475,234▲ 27.8%
Amounts receivable after more than one year29-€188,425€188,425€156,125€126,242▼ 19.1%
Other amounts receivable291-€188,425€188,425€156,125€126,242▼ 19.1%
Amounts receivable within one year40/41€209,385€163,325€128,595€210,511€294,868▲ 40.1%
Trade receivables40-€2,880€4,320€6,387€8,082▲ 26.5%
Other amounts receivable41-€160,445€124,275€204,124€286,786▲ 40.5%
Cash at bank and in hand54/58€7,615€9,602€2,483€5,144€45,265▲ 780%
Deferred charges and accrued income490/1-€1,053€123€34€8,860▲ 26,081%
Equity and liabilities
Total equity and liabilities10/49€475,281€425,608€375,041€423,871€526,547▲ 24.2%
Equity10/15€176,251€176,932€183,170€241,081€265,466▲ 10.1%
Contributions10/11-€6,200€6,200€6,200€6,200=
Reserves13€169,213€169,213€175,452€233,363€257,748▲ 10.4%
Non-distributable reserves130/1-€1,860€1,860€0--
Reserves not available under the articles1311-€1,860€1,860€0--
Distributable reserves133-€167,353€173,592€233,363€257,748▲ 10.4%
Profit (loss) carried forward14€837€1,518€1,518€1,518€1,518=
Amounts payable17/49€299,030€248,676€191,871€182,789€261,081▲ 42.8%
Amounts payable after more than one year17€154,759€127,925€101,317€73,152€43,776▼ 40.2%
Financial debts170/4-€127,925€101,317€73,152€43,776▼ 40.2%
Amounts payable within one year42/48€144,271€120,751€90,554€109,637€217,306▲ 98.2%
Current portion of amounts payable after more than one year42-€29,801€29,751€28,165€29,377▲ 4.3%
Trade debts44€1,016€1,935€3,604€3,439€39▼ 98.9%
Suppliers440/4-€1,935€3,604€3,439€39▼ 98.9%
Taxes, remuneration and social security45-€36,576€11,582€32,417€99,529▲ 207%
Taxes450/3-€36,576€11,582€32,417€99,529▲ 207%
Other amounts payable47/48-€52,439€45,617€45,617€88,360▲ 93.7%
Line20202021202220232024Change
Profit (loss) for the period9904€62,812€681€6,238€91,911€123,983▲ 34.9%
+ Depreciation and write-downs630€12,287€13,512€7,789€6,612€6,743▲ 2.0%
Operating cash flow (approximation)€75,099€14,193€14,027€98,524€130,727▲ 32.7%
Investment in fixed assets (approximation)--€6,970€0-€3,254-€6,000▼ 84.4%
Change in cash-€1,986-€7,119€2,661€40,121▲ 1,408%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2025
10-07
NBB filing Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial Highest result since 2018net €123,983 ▲34.9%
Operating result €191,839, net result €123,983, both a record.
24-06
NBB filing Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial Equity above €200,000Eq €241,081 ▲31.6%
6 profitable years in a row build equity to €241,081.
16-06
NBB filing Annual accounts filed
fiscal year 2022 · micro schema
2022
22-08
NBB filing Annual accounts filed
fiscal year 2021 · micro schema · 22 days late
2021
31-12
Financial Weakest financial yearnet €681 ▼98.9%
Net result drops to €681, the lowest in the series; recovery starts the following year.
26-07
NBB filing Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial Equity above €150,000Eq €176,251 ▲55.4%
3 profitable years in a row build equity to €176,251.
07-07
NBB filing Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial Equity above €100,000Eq €113,438 ▲42.6%
2 profitable years in a row build equity to €113,438.
21-08
NBB filing Annual accounts filed
fiscal year 2018 · micro schema · 21 days late
Show earlier events
2018
10-08
NBB filing Annual accounts filed
fiscal year 2017 · micro schema · 10 days late
2017
17-07
NBB filing Annual accounts filed
fiscal year 2016 · micro schema
2016
08-08
NBB filing Annual accounts filed
fiscal year 2015 · abbreviated schema · 8 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.

Have them read with priority Sign in to place this company at the front of the reading queue.

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, Tongeren-Borgloon · 1 establishment unit since 2010
seat establishment The establishment unit on the map
Ground area
1,959 m²
Building footprint
208 m²
Volume, LiDAR
1,047 m³
Parcel 73069B0533/00F000, Flanders · tallest building 6.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JUWOLI
Riksingenstraat 7, 3700 Tongeren-BorgloonInsurance agents and brokers
since 20102.192.588.196
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
73069B0533/00F000 Flanders 1,959 m² 1 · 208 m² 6.3 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.

Identification & contact

Identification
Legal formPrivate limited company
Founded05-10-2010
Fiscal year end31-12
E-invoicing
Reachable via Peppol
Peppol ID 0208:0829968622
Registered 17-11-2025

Register as of 27 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.