Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Negative equity NBB
More debt than assets in 3 of the last 4 fiscal years.
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Tight liquidity NBB
Cash and receivables cover 39 % of short-term debt in 2025; threshold 65 %.
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Shrinking team NBB
FTE fell two years in a row, from 7.9 to 6.3.
Financials
Financial year 2025
Jo-a from Elsene, company number BE0477094203, closed financial year 2025 with a result of € -137,831 after tax. For that financial year Jo-a recorded a gross margin of € 276,639 and equity of € -85,746. Compared with financial year 2024, the result moved from € 76,425 to € -137,831. The company made a loss. More debts than assets. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on September 25, 2026.
€ -85,746
▼ € 139,526 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -137,831
▼ still € 76,425 profit in 2024
Profit after tax over the fiscal year.
€ 41,418
▼ 51% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -159,746.
People and assets in 2025
6.3
▼ 0.3 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 352,751
€ 56,000 per full-time equivalent. Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 25,048
▼ 34% vs 2024
Of which on lease € 20,146.
Debts at end 2025
€ 226,682
▲ 21% vs 2024
€ 83,880 is repaid this year. At this pace the long-term loan is gone in ≈ 3 years.
€ 41,452
▼ 14% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 62,789
▼ 4% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 348,920 | € 600,923 | € 480,779 | € 276,639 | ▼ 42% |
| Profit after taxes | € -85,842 | € 171,140 | € 76,425 | € -137,831 | ▼ € 214,256 |
| Equity | € -195,976 | € -25,740 | € 53,780 | € -85,746 | ▼ € 139,526 |
| Total debts | € 596,115 | € 422,384 | € 345,404 | € 369,439 | ▲ 7% |
| Cash | € 216 | € 42,502 | € 84,879 | € 41,418 | ▼ 51% |
| Retained profit | € -269,479 | € -98,339 | € -21,914 | € -159,746 | ▼ € 137,831 |
| Bank debt | € 304,319 | € 233,270 | € 187,052 | € 226,682 | ▲ 21% |
| Balance sheet total | € 400,140 | € 396,644 | € 399,185 | € 283,694 | ▼ 29% |
| Employees (FTE) | 8.8 | 7.9 | 6.6 | 6.3 | ▼ 0.3 |
Key figures of Jo-a, 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 Jo-a?
What happened at Jo-a in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- Olivier Doré stepped down as director. NBB
- Sébastien Boucquey stepped down as director. NBB
- New annual accounts for financial year 2025: loss of € 137,831 (▼ € 214,256 vs 2024). filed late Source: NBB ↗
- Sébastien Boucquey became a director. NBB
- Olivier Doré became a director. NBB
- New establishment in Braine-l'Alleud. KBO
- New establishment in Schaarbeek. KBO
- New establishment in Brussel. KBO
In short
From € 85,842 loss in 2022 to € 137,831 loss in 2025.
Best year ever: 2023, with € 171,140 profit.
On average € 43,900 of value added per employee in 2025.
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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
Olivier Doré
Director
since 2023 · until 2029
Sébastien Boucquey
Director
since 2024 · until 2029
Establishments
Establishment units
Physical locations of this company
Washingtonstraat 145
1050 Elsene
Notelaarstraat 352
1030 Brussel
Active since 10 April 2002
Notelaarstraat 303
1030 Schaarbeek
Active since 11 April 2020
Chemin de la Praye 15 box A
1420 Braine-l'Alleud
Active since 1 January 2021
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Website
Technologies
Website info
Features
Details
- Company number
- 0477.094.203
- VAT number
- BE 0477.094.203
- Registered office
- Washingtonstraat 145, 1050 Elsene
- Names & denominations
- Jo-a
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 14 March 2002
- Peppol
- Active · Active since 1 Jan 2001
- Contact
- joa-interior.be [email protected]
- Activities · NACE
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