Ju-ly

Active

Private limited companyfounded 20196 yrs activeKBO/BCE: BE 0738.381.222

The computed 12-month bankruptcy probability of Ju-ly is 3.0% (moderate). The 2023 annual accounts show equity of €48k and a net result of €55k. Its solvency ranks better than 29% of 9183 sector peers (fiscal year 2023). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2023

48 / 100

Fair▲ +38 vs 2022

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2022

Profitability100=

Solvency33▼-10

Growth78

Stability100

Bankruptcy probability, 12 months

3.0% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €3k at 30 days only on tighter terms

Liquidity tight (current ratio 1.18 against 0.93 in 2022), and 78.4% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Six signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 43

Relative position

BE, all sectors

reference

Sector 43

higher

← fewer bankruptcies more bankruptcies →

Annual accounts: weaker financial profile

The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.

NBB · annual accounts 2023

Solvency, return and age of the figures

Solvency

21.6%

Return on assets

24.8%

Age of the figures

32 mo

Annual accounts not filed

The financial year that closed on 31-12-2024 was due at the National Bank by 31-07-2025. Nothing is on record today, 400 days later. 2 financial years are missing in total. Measured on financial year 2023: 41.75% of the companies that did not file are in an abnormal legal state today, against 1.66% of those that did.

NBB · 4 filings

Position against the passed deadline

31-12-2024 close31-07-2025 deadline04-09-2026 today

Filed more than 90 days late

The financial year that closed on 31-12-2023 was due by 31-07-2024 and was filed on 22-01-2026, 540 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.

NBB · 4 filings

Deviation from the deadline

2025

not confirmed

2024

not filed

2023

540 d late

2022

66 d late

2021

138 d late

2020

200 d late

← before the deadline after the deadline →

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

Financials · fiscal year 2023, micro schema

Equity

€48k

2022 · €-7k

2022: €-7k

2022 → 2023

Total assets

€224k▼ 35.9%

2022 · €349k

2022: €349k

2022 → 2023

Net result

€55k

2022 · €-7k

2022: €-7k

2022 → 2023

Working capital

€31k

2022 · €-24k

2022: €-24k

2022 → 2023

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20222023Trend

Equity€-7k-€48k

Operating result€749-€-84k

Net result€-7k-€55k

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 2023: a loss of €84k after €749 in 2022.

Balance-sheet composition

2023 in colour, 2022 as the grey bar beneath

Assets €224k

90.9%

Fixed assets €20k▼ 26.2%

Current assets €203k▼ 36.8%

Equity and liabilities €224k

21.6%

78.4%

Equity €48k

Debt €175k

Debt finances 78.4% of the balance-sheet total.

Key figures and ratios

2023 value · change against 2022

EBITDA

€-76k▼

2022 · €9k

Cash flow

€64k▲

2022 · €2k

Solvency

21.6%▲

2022 · -2.0%

Current ratio

1.18▲

2022 · 0.93

Quick ratio

0.10▲

2022 · 0.02

Debt / equity

3.63▲

2022 · -50.13

ROE

114.7%▲

2022 · 93.9%

ROA

24.8%▲

2022 · -1.9%

Interest coverage

-15.17▼

2022 · 1.21

Debt

€175k▼

2022 · €356k

Debt ≤ 1 year

€172k▼

2022 · €346k

Debt > 1 year

€3k▼

2022 · €10k

Income taxes

€12k

Staff costs

€16

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 · 2023 against 2022

Balance sheet Code20222023

Total assets 20/58€349k€224k▼

Fixed assets 21/28€28k€20k▼

Tangible fixed assets 22/27€19k€12k▼

Financial fixed assets 28€8k€8k=

Current assets 29/58€321k€203k▼

Stocks & contracts in progress 3€315k€186k▼

Amounts receivable within one year 40/41€7k€5k▼

Cash & bank 54/58€220€11k▲

Total equity & liabilities 10/49€349k€224k▼

Equity 10/15€-7k€48k▲

Contributions / capital 10/11€5k€5k=

Accumulated profits (losses) 14€-12k€43k▲

Amounts payable 17/49€356k€175k▼

Amounts payable after one year 17€10k€3k▼

Amounts payable within one year 42/48€346k€172k▼

Trade debts payable within one year 44€1k€16k▲

Income statement Code20222023

Gross operating margin 9900€20k€-74k▼

Operating result 9901€749€-84k▼

Financial income 75€2€156k▲

Financial charges 65€7k€5k▼

Result before taxes 9903€-7k€67k▲

Income taxes 67/77-€12k

Net result for the period 9904€-7k€55k▲

Result to be appropriated 9905€-7k€55k▲

Timeline · acts, filings and financial milestones

All 6Financial 1Gazette 1Filings 4

2026

22-01

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 540 days late

2025

08-04

State Gazette act Director changes

Sandy De Wannemacker

2023

31-12

Financial Back to profitnet €55k

Net result €55k after one loss-making year.

05-10

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 66 days late

2022

16-12

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 138 days late

16-02

NBB filing Annual accounts filed

fiscal year 2020 · micro schema · 200 days late

Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

1 of 2 acts read

About the unread acts

Of the 2 Belgian State Gazette acts we know for this company, 1 has been read. The other one has not 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

no sitting director, last change in 2025

No sitting directors are on record for this company in the CBE. Not every legal form publishes directors; if they appear in the Belgian State Gazette later, they show up here automatically.

31-03-2025 Resigned as Director

Not every act has been read: a resignation may be missing here

1 of this company's 2 Belgian State Gazette acts has not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.

Location & real-estate footprint

1 establishment unit since 2019

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.

Ground area

614 m²

Building footprint

146 m²

Volume, LiDAR

719 m³

Parcel 42001B0168/00P000, Flanders · tallest building 10.1 m, ±1 floor. Linked by address, not a title deed.

1 establishment unit