The judgment is loss of reward. In Paul's letter to the Ephesians, Chapter 5, he exhorts his Christian audience to remain pure and avoid lewd conduct. He says "Make no mistake about this: no fornicator, no unclean or lustful person has any inheritance in the kingdom of Christ and of God......These are sins which bring down God's wrath on the disobedient; therefore have nothing to do with them."
Paul is speaking to Christians in regards to other disobedient Christians. He does not identify the disobedient as unsaved or nonbelievers. Clearly, in our time, we know Christians guilty of sins such as these. Paul in effect said Christians such as these have no share in the kingdom at all. How do you reconcile this with your above statement?
***no fornicator, no unclean or lustful person has any inheritance in the kingdom of Christ and of God......***
[1] This describe people whose lives are characterized by such, not people who have a single incidence, would you agree? If not any person once lusting or doing anything unclean is hell bound (including David).
[2] Just because a person says they are a Christian and attends church (even the 1st century church at Ephesus) does not mean they are genuinely believers. 1 Cor. 5 describe "so called brothers" who are immoral. Paul tells believers to avoid them. He instructs the church to put them out of the church.
My discussion has been regarding genuine believers, no pseudo-sheep.