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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Two loss years in a row NBB
Negative result in 2024 and 2025.
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Tight liquidity NBB
Cash and receivables cover 15 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
JOAR INVEST from Bocholt, company number BE0785611017, closed financial year 2025 with a result of € -74,500 after tax. For that financial year JOAR INVEST recorded a gross margin of € 142,052 and equity of € 22,432. Compared with financial year 2024, the result moved from € -87,556 to € -74,500. The company made a loss. The buffer shrank hard: equity is 77 % below last year. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on August 31, 2026.
€ 22,432
▼ 77% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -74,500
▲ 15 % less loss than in 2024
Profit after tax over the fiscal year.
€ 21,951
▲ 20% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € 17,432.
People and assets in 2025
€ 59,639
▼ 24% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 1.8 million
▼ 5% vs 2024
€ 58,597 is repaid this year. At this pace the long-term loan is gone in ≈ 31 years.
€ 13,566
▲ 254% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 68,860
▲ 123% vs 2024
Taxes, VAT and social contributions still to pay.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 178,606 | € 175,559 | € 99,833 | € 142,052 | ▲ 42% |
| Profit after taxes | € 135,854 | € 43,633 | € -87,556 | € -74,500 | ▲ € 13,056 |
| Equity | € 140,854 | € 184,487 | € 96,931 | € 22,432 | ▼ 77% |
| Total debts | € 104,108 | € 1,835,578 | € 2,363,348 | € 2,319,679 | ▼ 2% |
| Cash | € 32,110 | € 28,077 | € 18,309 | € 21,951 | ▲ 20% |
| Land & buildings | - | € 1,634,341 | € 2,083,437 | € 2,004,762 | ▼ 4% |
| Retained profit | € 135,854 | € 179,487 | € 91,931 | € 17,432 | ▼ 81% |
| Bank debt | € 0 | € 1,593,286 | € 1,939,177 | € 1,845,299 | ▼ 5% |
| Balance sheet total | € 244,962 | € 2,020,065 | € 2,460,280 | € 2,342,111 | ▼ 5% |
Key figures of JOAR INVEST, 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 JOAR INVEST?
What happened at JOAR INVEST in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 74,500. filed late Source: NBB ↗
- New establishment in Bocholt. KBO
- Start of the company according to the CBE. KBO
- JO VAN HOEF became a director. NBB
In short
From € 135,854 profit in 2022 to € 74,500 loss in 2025.
Paid € 133,006 in corporate taxes since 2022.
Best year ever: 2022, with € 135,854 profit.
Management
Behind JOAR INVEST is JO VAN HOEF. JO VAN HOEF is also behind AXOR, A-FRAMES, A-BUILDING, HPI and A-ROOF.
Establishments
Establishment units
Physical locations of this company
Hoekstraat 7
3950 Bocholt
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0785.611.017
- VAT number
- BE 0785.611.017
- Registered office
- Hoekstraat 7, 3950 Bocholt
- Names & denominations
- JOAR INVEST
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 2 May 2022
- Peppol
- Active · Active since 29 Jan 2025
- Activities · NACE
Activiteiten van holdings
Holdings