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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Tight liquidity NBB
Cash and receivables cover 0 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
JOËL from Colfontaine, company number BE0439410295, closed financial year 2025 with a result of € -8,622 after tax. For that financial year JOËL recorded a gross margin of € 8,380 and equity of € 52,057. Compared with financial year 2024, the result moved from € 9,919 to € -8,622. The company made a loss. The company holds a healthy buffer. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on June 16, 2026.
€ 52,057
▼ 14% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -8,622
▼ still € 9,919 profit in 2024
Profit after tax over the fiscal year.
€ 4
▼ 99% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -9,917.
Debts at end 2025
€ 185,050
▲ 2% vs 2024
€ 15,216 is repaid this year. At this pace the long-term loan is gone in ≈ 12 years.
€ 7,081
▲ € 5,431 vs 2024
Supplier invoices still open on the last day of the fiscal year.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 30,504 | € 30,573 | € 23,344 | € 8,380 | ▼ 64% |
| Profit after taxes | € -30,159 | € 11,868 | € 9,919 | € -8,622 | ▼ € 18,541 |
| Equity | € 38,891 | € 50,759 | € 60,678 | € 52,057 | ▼ 14% |
| Total debts | € 287,083 | € 259,238 | € 236,886 | € 234,496 | ▼ 1% |
| Cash | - | € 1,565 | € 451 | € 4 | ▼ 99% |
| Land & buildings | € 316,151 | € 306,284 | € 296,416 | € 286,549 | ▼ 3% |
| Retained profit | € -23,082 | € -11,214 | € -1,295 | € -9,917 | ▼ € 8,622 |
| Bank debt | € 221,647 | € 201,735 | € 181,558 | € 185,050 | ▲ 2% |
| Balance sheet total | € 325,975 | € 309,997 | € 297,564 | € 286,553 | ▼ 4% |
Key figures of JOËL, 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 JOËL?
What happened at JOËL in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- Francesco Bondi stepped down as director. NBB
- New annual accounts for financial year 2025: loss of € 8,622 (▼ € 18,541 vs 2024). Source: NBB ↗
- Francesco Bondi became a director. NBB
- New establishment in Colfontaine. KBO
- Start of the company according to the CBE. KBO
In short
From € 30,159 loss in 2022 to € 8,622 loss in 2025.
Best year ever: 2023, with € 11,868 profit.
Management
Directors
According to the 2025 annual accounts
Francesco Bondi
Director
since 2025 · until 2031
Establishments
Establishment units
Physical locations of this company
Rue du Grand Passage 126
7340 Colfontaine
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
- 0439.410.295
- VAT number
- BE 0439.410.295
- Registered office
- Rue du Grand Passage 126, 7340 Colfontaine
- Names & denominations
- JOËL
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 12 January 1990
- Peppol
- Active · Active since 29 Jul 2026
- Activities · NACE
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Verhuur en exploitatie van terreinen
Verhuur en lease van vaat- en glaswerk, keuken- en tafelgerei, elektrische huishoudapparaten en andere huishoudelijke benodigdheden
Verhuur en exploitatie van eigen of geleased niet-residentieel onroerend goed, exclusief terreinen
Bemiddeling in verband met exploitatie van en handel in onroerend goed