Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Not on Peppol Peppol
Not registered in the Peppol network, mandatory for VAT-liable companies since 1 January 2026.
Financials
Financial year 2025
JOAGES from Namur, company number BE0433683238, closed financial year 2025 with a result of € 58,752 after tax. For that financial year JOAGES recorded a gross margin of € 271,312 and equity of € 760,000. Compared with financial year 2024, the result moved from € 82,879 to € 58,752. The company is profitable. 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 October 29, 2025.
€ 760,000
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 58,752
▼ 29% vs 2024
Profit after tax over the fiscal year.
€ 109,259
▼ 42% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 58,752 paid out
100 % of the profit went to the shareholders, the rest stayed in the company.
People and assets in 2025
€ 48,893
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 220,206
▼ 31% vs 2024
€ 88,509 is repaid this year. At this pace the long-term loan is gone in ≈ 2 years.
€ 6,980
▲ € 5,273 vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 23,334
▼ 25% 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 | € 293,786 | € 257,035 | € 304,964 | € 271,312 | ▼ 11% |
| Profit after taxes | € 70,406 | € 51,082 | € 82,879 | € 58,752 | ▼ 29% |
| Equity | € 760,771 | € 761,853 | € 760,000 | € 760,000 | |
| Total debts | € 627,821 | € 511,084 | € 447,672 | € 323,406 | ▼ 28% |
| Cash | € 68,406 | € 108,944 | € 189,039 | € 109,259 | ▼ 42% |
| Land & buildings | € 1,248,720 | € 1,110,308 | € 968,853 | € 857,454 | ▼ 11% |
| Retained profit | € 160,771 | € 161,853 | € 160,000 | € 160,000 | |
| Dividend | € 68,000 | € 50,000 | € 84,732 | € 58,752 | ▼ 31% |
| Bank debt | € 520,703 | € 421,698 | € 321,097 | € 220,206 | ▼ 31% |
| Balance sheet total | € 1,388,592 | € 1,272,937 | € 1,207,672 | € 1,083,406 | ▼ 10% |
Key figures of JOAGES, 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 October 2026.
What happened to JOAGES?
What happened at JOAGES in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- Sébastien DELVAUX stepped down as director. NBB
- Caroline JOASSIN stepped down as director. NBB
- Jean-Pol JOASSIN stepped down as director. NBB
- New annual accounts for financial year 2025: profit of € 58,752 (▼ 29% vs 2024). Source: NBB ↗
- Sébastien DELVAUX became a director. NBB
- Caroline JOASSIN became a director. NBB
- Jean-Pol JOASSIN became a director. NBB
- New establishment in Namur. KBO
In short
From € 70,406 profit in 2022 to € 58,752 profit in 2025.
Paid € 101,776 in corporate taxes since 2022.
Best year ever: 2024, with € 82,879 profit.
Paid out € 261,484 in dividends to the owners in total.
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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
Sébastien DELVAUX
Director
since 2023 · until 2029
Caroline JOASSIN
Director
since 2023 · until 2029
Jean-Pol JOASSIN
Managing director
since 2023 · until 2029
Establishments
Establishment units
Physical locations of this company
Rue Fernand Marchand(FW) 1
5020 Namur
Rue Mazy(JB) 219
5100 Namur
Active since 29 March 1988
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 3 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
- 0433.683.238
- VAT number
- BE 0433.683.238
- Registered office
- Rue Fernand Marchand(FW) 1, 5020 Namur
- Names & denominations
- JOAGES
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 14 March 1988
- Peppol
- Not registered