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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Negative equity NBB
More debt than assets in 4 of the last 4 fiscal years.
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Two loss years in a row NBB
Negative result in 2024 and 2025.
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Tight liquidity NBB
Cash and receivables cover 1 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
JOFIE from Zwevegem, company number BE0632465635, closed financial year 2025 with a result of € -18,213 after tax. For that financial year JOFIE recorded a gross margin of € 127,352 and equity of € -54,222. Compared with financial year 2024, the result moved from € -18,726 to € -18,213. 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 July 10, 2026.
€ -54,222
▼ € 18,213 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -18,213
▲ 3 % less loss than in 2024
Profit after tax over the fiscal year.
Loss, nothing to pay out
Reserves fell to € -114,222.
People and assets in 2025
≈ 1
No payroll staff. One director, so that person most likely runs the business.
€ 77,706
▲ 8% vs 2024
Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 4,265
▲ 52% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 237,108
▼ 19% vs 2024
€ 37,928 is repaid this year. At this pace the long-term loan is gone in ≈ 6 years.
€ 6,107
▼ 24% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 23,669
▲ 70% vs 2024
Taxes, VAT and social contributions still to pay.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 168,062 | € 128,230 | € 124,038 | € 127,352 | ▲ 3% |
| Profit after taxes | € -24,965 | € -12,261 | € -18,726 | € -18,213 | ▲ € 512 |
| Equity | € -5,022 | € -17,283 | € -36,009 | € -54,222 | ▼ € 18,213 |
| Total debts | € 417,421 | € 363,705 | € 325,518 | € 283,804 | ▼ 13% |
| Cash | € 8,439 | € 4,518 | € 4,403 | - | |
| Land & buildings | € 285,536 | € 239,644 | € 193,841 | € 148,038 | ▼ 24% |
| Retained profit | € -65,022 | € -77,283 | € -96,009 | € -114,222 | ▼ € 18,213 |
| Bank debt | € 391,839 | € 346,302 | € 292,237 | € 237,108 | ▼ 19% |
| Balance sheet total | € 412,398 | € 346,422 | € 289,509 | € 229,582 | ▼ 21% |
Key figures of JOFIE, 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 JOFIE?
What happened at JOFIE in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 18,213. Source: NBB ↗
- New establishment in Zwevegem. KBO
- Sofie Gardyn became a director. NBB
- Start of the company according to the CBE. KBO
In short
From € 24,965 loss in 2022 to € 18,213 loss in 2025.
Paid € 4,764 in corporate taxes since 2022.
Management
Behind JOFIE is Sofie Gardyn.
Directors
According to the 2025 annual accounts
Sofie Gardyn
Director
since 2015
Establishments
Establishment units
Physical locations of this company
Vierkeerstraat(H) 6
8551 Zwevegem
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0632.465.635
- VAT number
- BE 0632.465.635
- Registered office
- Vierkeerstraat(H) 6, 8551 Zwevegem
- Names & denominations
- JOFIE
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 15 June 2015
- Peppol
- Active · Active since 18 Dec 2025
- Activities · NACE
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