Checked.be
Active
BE 0738.381.222Private limited company
Ju-ly
· 6 yrs active
Sector: Joinery installation
(43320)
Conclusion
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.
Based on the State Gazette, CBE and 2 annual accounts.
Key figures
| Equity | €48k |
| Net result | €55k |
| Better than sector | 29% |
| Active | 6 yrs |
Financial profile
72
/ 100
Strong profile, led by profitability.
All 5 axes are computed from data Checked has read.
Health
48
Profitability
100
Solvency
33
Growth
78
Stability
100
Bankruptcy probability (12 mo)
Risk Assessment
0 / 100
Low riskTrust signals
More than 3 years active
Founded in 2019, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Checked score
48
/ 100
Fair
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Indicative credit limit
€3k
estimate, not credit advice
Score history
10
2022
48
2023
purely financial, excl. current insolvency signals
Score components
Liquidity
Current ratio 1.18 (≥ 1.0)
+5
Quick ratio
Quick ratio 0.10 (< 0.6)
-5
Leverage
Debt/equity 3.63 (> 3.0)
-10
Profitability
ROE 115% (≥ 10%)
+10
Interest coverage
Interest coverage -15.2× (< 1.5×)
-10
Profit trend
Net profit up YoY
+5
Equity growth
Equity growing YoY
+3
Computed by Checked from the NBB filing for FY 2023. Indicative, not credit advice.
Financial overview
Annual accounts filed on 22-01-2026 with the NBB · fiscal year 2023 · micro schema
Sector comparison
Fiscal year 2023 · NACE 43, Specialised construction activities · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 21.6% | 38.6% | |
| Net result | €55k | €12k | |
| Equity | €48k | €30k | |
| Gross operating margin | €-74k | €33k | |
| Staff costs | €16 | €26k |
€-76k
-
22-23
€55k
-
22-23
€64k
+3940.4%
22-23
€224k
-35.9%
22-23
€48k
-
22-23
€31k
-
22-23
€16
-
22-23
€12k
-
22-23
€175k
-50.8%
22-23
€172k
-50.1%
22-23
€3k
-68.9%
22-23
1.18
+26.9%
22-23
0.10
+408.3%
22-23
21.6%
-
22-23
3.63
-
22-23
114.7%
+22.2%
22-23
24.8%
-
22-23
-15.17
-
22-23
Figures by fiscal year and ratios
| Fiscal year | 2023 | 2022 |
|---|---|---|
| Deposit | micro schema | micro schema |
| Revenue | - | - |
| EBITDA | €-76k | €9k |
| Net profit | €55k | €-7k |
| Cash flow | €64k | €2k |
| Staff costs | €16 | - |
| Income taxes | €12k | - |
| Dividends | - | - |
| Total assets | €224k | €349k |
| Equity | €48k | €-7k |
| Debt | €175k | €356k |
| of which ≤ 1y | €172k | €346k |
| of which > 1y | €3k | €10k |
| Working capital | €31k | €-24k |
| Employees (FTE) | - | - |
Ratios (computed)
| 2023 | 2022 | |
|---|---|---|
| Current ratio | 1.18 | 0.93 |
| Quick ratio | 0.10 | 0.02 |
| Working capital ratio | 13.9% | -6.9% |
| Solvency | 21.6% | -2.0% |
| Debt / equity | 3.63 | -50.13 |
| Long-term debt ratio | 0.06 | -1.42 |
| Interest coverage | -15.17 | 1.21 |
| Gross margin | - | - |
| Net margin | - | - |
| ROA | 24.8% | -1.9% |
| ROE | 114.7% | 93.9% |
| EBITDA margin | - | - |
| Days sales outstanding | - | - |
| Days payable outstanding | - | - |
| Inventory turnover | - | - |
| Days inventory (DSI) | - | - |
Balance-sheet composition 2023
Full annual accounts (24 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2023 | 2022 |
|---|---|---|---|
| Balance sheet, Assets | |||
| TOTAL ASSETS | 20/58 | €224k | €349k |
| Fixed assets | 21/28 | €20k | €28k |
| Tangible fixed assets | 22/27 | €12k | €19k |
| Financial fixed assets | 28 | €8k | €8k |
| Current assets | 29/58 | €203k | €321k |
| Stocks & contracts in progress | 3 | €186k | €315k |
| Amounts receivable within one year | 40/41 | €5k | €7k |
| Cash & bank | 54/58 | €11k | €220 |
| Balance sheet, Equity & liabilities | |||
| TOTAL EQUITY & LIABILITIES | 10/49 | €224k | €349k |
| Equity | 10/15 | €48k | €-7k |
| Contributions / capital | 10/11 | €5k | €5k |
| Accumulated profits (losses) | 14 | €43k | €-12k |
| Amounts payable | 17/49 | €175k | €356k |
| Amounts payable after one year | 17 | €3k | €10k |
| Amounts payable within one year | 42/48 | €172k | €346k |
| Trade debts payable within one year | 44 | €16k | €1k |
| Income statement | |||
| Gross operating margin | 9900 | €-74k | €20k |
| Operating result | 9901 | €-84k | €749 |
| Financial income | 75 | €156k | €2 |
| Financial charges | 65 | €5k | €7k |
| Result before taxes | 9903 | €67k | €-7k |
| Income taxes | 67/77 | €12k | - |
| Net result for the period | 9904 | €55k | €-7k |
| Result to be appropriated | 9905 | €55k | €-7k |
Directors & mandates
Former directors (1)
-
Sandy De WannemackerDirectorState Gazette act 25045930 (08-04-2025)Former- → 31-03-2025
Legal Structure
| NACE primary | Joinery installation(43320) |
| Legal form | Private limited company(610) |
| Incorporation | 25-11-2019 |
| Status | Active |
| Postal code | - |
Establishment units
Ju-ly
since 20192.298.477.455
Real-estate footprint
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42001B0168/00P000 | Flanders | 614 m² | 1 · 146 m² | 10.1 m · 1 fl. |
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates
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.
Belgian State Gazette reading coverage
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Belgisch Staatsblad, acts
All acts · 1
updated 1 year ago
2025
08-04-2025 Sandy De Wannemacker resigns as director
- Sandy De Wannemacker, Bestuurder
Notary:
Sandy De Wannemacker · Gent
Technical details
{
"events": [
{
"kind": "director_out",
"role": "bestuurder",
"person": {
"rrn": null,
"name": "Sandy De Wannemacker",
"address": null,
"birth_date": null,
"profession": null,
"birth_place": null
},
"reason": "de_plein_droit_dissolution",
"subkind": null,
"via_org": null,
"statutory": null,
"compensated": null,
"effective_date": "2025-03-31",
"evidence_quote": "Gelet op de aandelenoverdracht van heden in uitvoering van de onderlinge overeenkomst tot overdracht van aandelen dd. 1/6/2022, geef ik hierbij mijn ontslag als bestuurder van bv Ju-Ly met onmiddelijke ingang.",
"decharge_status": null,
"mandate_duration": null,
"rep_rotation_new_rep": null,
"rep_rotation_old_rep": null,
"effective_date_qualifier": "immediate"
}
],
"notary": {
"name": "Sandy De Wannemacker",
"firm_city": null,
"firm_name": null,
"office_city": "Gent",
"is_associated": false
},
"act_meta": {
"language": "nl",
"pub_date": "2025-04-08",
"filing_date": "2025-03-31",
"act_kind_objet": "Onderwerp akte:"
},
"decisions": [
{
"body": "enig_aandeelhouder_schriftelijk",
"date": "2025-02-27",
"unanimous": null
}
],
"is_correction": false,
"subject_company": {
"kbo": "0738.381.222",
"name_full": "Ju-Ly BV",
"legal_form": "BV"
},
"publication_proxy": {
"kind": "person",
"org_kbo": null,
"org_name": null,
"person_name": "Sandy De Wannemacker",
"org_rep_person_name": null,
"person_role_at_subject": "Ontslagnemend bestuurder"
},
"co_filed_documents": [],
"corrected_publication_numac": null
}Credit advice
Company registry (CBE)
Activities
Joinery installation43320Other building finishing work43350Other specialised construction activities43990Specialised construction activities43999
Names & trade names
| Legal nameNL | Ju-ly |
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