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.
Financials
Financial year 2025
Joly - Card from Bernissart, company number BE0466379760, closed financial year 2025 with a result of € -6,256 after tax. For that financial year Joly - Card recorded a gross margin of € 4,366 and equity of € 9,315. Compared with financial year 2024, the result moved from € -5,866 to € -6,256. 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.
€ 9,315
▼ 40% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -6,256
▼ 7 % more loss than in 2024
Profit after tax over the fiscal year.
€ 7,755
▼ 20% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € 3,115.
People and assets in 2025
≈ 1
No payroll staff. One director, so that person most likely runs the business.
€ 786
▼ 92% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 703
▼ 85% vs 2024
Loans from banks and other lenders, long and short.
€ 1,818
▲ € 1,585 vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 599
▼ 77% vs 2024
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 2,958 | € 23,734 | € 4,842 | € 4,366 | ▼ 10% |
| Profit after taxes | € -6,391 | € 9,158 | € -5,866 | € -6,256 | ▼ € 390 |
| Equity | € 12,278 | € 21,436 | € 15,571 | € 9,315 | ▼ 40% |
| Total debts | € 6,810 | € 15,367 | € 10,347 | € 5,779 | ▼ 44% |
| Cash | € 8,966 | € 9,913 | € 9,652 | € 7,755 | ▼ 20% |
| Retained profit | € 6,078 | € 15,236 | € 9,371 | € 3,115 | ▼ 67% |
| Bank debt | € 2,378 | € 8,803 | € 4,830 | € 703 | ▼ 85% |
| Balance sheet total | € 19,089 | € 36,803 | € 25,917 | € 15,095 | ▼ 42% |
Key figures of Joly - Card, 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 Joly - Card?
What happened at Joly - Card in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 6,256. filed late Source: NBB ↗
- New establishment in Bernissart. KBO
- Start of the company according to the CBE. KBO
- Jean Kotas became a director. NBB
In short
From € 6,391 loss in 2022 to € 6,256 loss in 2025.
Paid € 5,490 in corporate taxes since 2022.
Best year ever: 2023, with € 9,158 profit.
Management
Behind Joly - Card is Jean Kotas.
Directors
According to the 2025 annual accounts
Jean Kotas
Director
since 1999
Establishments
Establishment units
Physical locations of this company
Rue Paul Pastur(BLA) 3
7321 Bernissart
Rue de la Paix(BLA) 55
7321 Bernissart
Active since 2 August 1999
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0466.379.760
- VAT number
- BE 0466.379.760
- Registered office
- Rue Paul Pastur(BLA) 3, 7321 Bernissart
- Names & denominations
- Joly - Card
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 29 June 1999
- Peppol
- Active · Active since 16 Oct 2025
- Activities · NACE
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