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 1 of the last 3 fiscal years.
-
Tight liquidity NBB
Cash and receivables cover 22 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
CJOY from Namur, company number BE0797931403, closed financial year 2025 with a result of € -13,671 after tax. For that financial year CJOY recorded revenue of € 56,475 and equity of € -2,865. Compared with financial year 2024, the result moved from € 9 to € -13,671. 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 June 2, 2026.
€ -2,865
▼ € 13,671 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -13,671
▼ still € 9 profit in 2024
Profit after tax over the fiscal year.
€ 9,477
▼ 31% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -7,865.
People and assets in 2025
≈ 1
No payroll staff. One director, so that person most likely runs the business.
€ 19,910
▲ 131% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 26,941
▲ 31% vs 2024
€ 7,818 is repaid this year. At this pace the long-term loan is gone in ≈ 3 years.
€ 3,231
Supplier invoices still open on the last day of the fiscal year.
€ 3,439
▲ € 2,959 vs 2024
Taxes, VAT and social contributions still to pay.
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| 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|
| Revenue | € 64,951 | € 63,035 | € 56,475 | ▼ 10% |
| Gross margin | € 15,030 | € 11,371 | € 9,600 | ▼ 16% |
| Profit after taxes | € 5,797 | € 9 | € -13,671 | ▼ € 13,680 |
| Equity | € 10,797 | € 10,806 | € -2,865 | ▼ € 13,671 |
| Total debts | € 47,304 | € 42,100 | € 61,922 | ▲ 47% |
| Cash | € 16,392 | € 13,641 | € 9,477 | ▼ 31% |
| Land & buildings | € 16,945 | € 19,968 | € 20,016 | |
| Retained profit | € 5,797 | € 5,806 | € -7,865 | ▼ € 13,671 |
| Bank debt | € 23,782 | € 20,515 | € 26,941 | ▲ 31% |
| Balance sheet total | € 58,101 | € 52,906 | € 59,057 | ▲ 12% |
Key figures of CJOY, fiscal years 2023 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 CJOY?
What happened at CJOY in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 13,671 (▼ € 13,680 vs 2024). Source: NBB ↗
- New establishment in Namur. KBO
- Start of the company according to the CBE. KBO
In short
From € 5,797 profit in 2023 to € 13,671 loss in 2025.
Paid € 2,473 in corporate taxes since 2023.
Best year ever: 2023, with € 5,797 profit.
A new publication or filing at CJOY? We notify you, reason included.
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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
Caroline JOUFFROY
Director
Establishments
Establishment units
Physical locations of this company
Rue de Bayet(MD) 63
5024 Namur
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0797.931.403
- VAT number
- BE 0797.931.403
- Registered office
- Rue de Bayet(MD) 63, 5024 Namur
- Names & denominations
- CJOY
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 2 February 2023
- Peppol
- Active · Active since 24 Nov 2025
- Contact
- [email protected] +32456056365