Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Two loss years in a row NBB
Negative result in 2024 and 2025.
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Tight liquidity NBB
Cash and receivables cover 54 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
JOVAL from Kortrijk, company number BE0432101049, closed financial year 2025 with a result of € -72,629 after tax. For that financial year JOVAL recorded a gross margin of € -26,062 and equity of € 280,555. Compared with financial year 2024, the result moved from € -127,648 to € -72,629. The company made a loss. The company holds a healthy buffer. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on August 31, 2026.
€ 280,555
▼ 21% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -72,629
▲ 43 % less loss than in 2024
Profit after tax over the fiscal year.
€ 5,833
▼ 89% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -71,454.
People and assets in 2025
€ 1,744
▼ 84% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
None
No bank loans on the last day of the fiscal year.
€ 422
▼ 6% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 1,641
▲ 52% vs 2024
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € -51,834 | € -51,106 | € -81,506 | € -26,062 | ▲ € 55,444 |
| Profit after taxes | € -87,293 | € 247,524 | € -127,648 | € -72,629 | ▲ € 55,019 |
| Equity | € 233,308 | € 480,832 | € 353,184 | € 280,555 | ▼ 21% |
| Total debts | € 516,932 | € 299,498 | € 301,407 | € 249,518 | ▼ 17% |
| Cash | € 23,133 | € 30,074 | € 51,296 | € 5,833 | ▼ 89% |
| Land & buildings | € 154,631 | € 340,689 | € 334,274 | € 324,078 | ▼ 3% |
| Retained profit | € -118,701 | € 128,823 | € 1,175 | € -71,454 | ▼ € 72,629 |
| Balance sheet total | € 750,240 | € 780,330 | € 654,591 | € 530,072 | ▼ 19% |
Key figures of JOVAL, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to JOVAL?
What happened at JOVAL in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 72,629. filed late Source: NBB ↗
- Jozef Versavel stepped down as director. NBB
- Mieke Versavel stepped down as director. NBB
- Dirk Versavel stepped down as director. NBB
- Wim Versavel stepped down as director. NBB
- Jan Versavel stepped down as director. NBB
- New establishment in Kortrijk. KBO
- Start of the company according to the CBE. KBO
In short
From € 87,293 loss in 2022 to € 72,629 loss in 2025.
Paid € 576 in corporate taxes since 2022.
Best year ever: 2023, with € 247,524 profit.
A new publication or filing at JOVAL? We notify you, reason included.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
Directors
According to the 2025 annual accounts
Jozef Versavel
Managing director
Also active at: ARAANI, CAMPUS EVOLIS 100, TRAVELNOTE INTERNATIONAL
· until 2026
· until 2026
· until 2026
Wim Versavel
Director
· until 2026
· until 2026
Establishments
Establishment units
Physical locations of this company
Munkendoornstraat(Kor) 12
8500 Kortrijk
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 1 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0432.101.049
- VAT number
- BE 0432.101.049
- Registered office
- Munkendoornstraat(Kor) 12, 8500 Kortrijk
- Names & denominations
- JOVAL
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 2 October 1987
- Peppol
- Active · Active since 8 Jan 2026
- Activities · NACE
Overige fiscale dienstverlening
Boekhouders
Boekhouders en boekhouders-fiscalisten
Handelsbemiddeling in de niet-gespecialiseerde groothandel
Handelsbemiddeling in goederen, algemeen assortiment