ACTIVE

JOSEPHA

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Financial year 2025 · closed on 31/12/2025

Net result

32,4 k €

+185.7% YoY

Gross margin

159,6 k €

+118.1% YoY

Equity

2,3 M €

+1.4% YoY

What does JOSEPHA do?

JOSEPHA is a Public limited company incorporated in 1991. Its main activity is: Real estate agencies. Its registered office is in Oostende.

Legal situation

● Normal situation

BCE/KBO no. / VAT

BE 0444.151.914

Incorporation

14/05/1991

Legal form

Public limited company

Registered office

Generaal Jungbluthlaan 3
8400 Oostende · FlandreSee on map

Contributed capital

568 502,46 €

Latest accounts

31/12/2025

Activities (NACE)

68310Real estate agencies· main 68311Real estate agencies 70311Activities of head offices; management consultancy activities

Joint committees (3)

Signals

ProfitableSolid equityLow riskGood liquidityPositive cashflowPositive EBITDA

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✦ Verdict · Analyst summary

Financials

Trend over 20 financial years

	2025		2024		2023		2022		2021		2020		2019		2018		2017		2016		2015		2014		2013		2012		2011		2010		2009		2008		2007		2006
Income statement
Gross margin	159,6 k €	+118%	73,2 k €	+101%	36,3 k €	+33.0%	27,3 k €	-16.6%	32,7 k €	-41.6%	56 k €	+86.6%	30 k €	-86.8%	227 k €	+1516%	14 k €	-80.7%	72,7 k €	-28.3%	101,3 k €	-4.5%	106,2 k €	+2.1%	104 k €	+81.9%	57,2 k €	+168%	-83,5 k €	-112%	674,4 k €	-7.9%	732,6 k €	+21.8%	601,7 k €	-19.4%	746,4 k €	+14.6%	651,1 k €
EBITDA	140,4 k €	+175%	51 k €	+156%	19,9 k €	+7.6%	18,5 k €	-30.3%	26,6 k €	-46.8%	49,9 k €	+225%	15,4 k €	-92.8%	212,2 k €	+3511%	-6,2 k €	-110%	60,3 k €	-33.9%	91,3 k €	-2.7%	93,8 k €	+0.7%	93,2 k €	+95.0%	47,8 k €	+132%	-149,9 k €	-169%	216,9 k €	-11.9%	246,3 k €	+119%	112,4 k €	-56.6%	259,1 k €	+31.5%	197 k €
Operating result	78,3 k €	+523%	-18,5 k €	+59.7%	-45,9 k €	-191%	-15,8 k €	-1342%	-1,1 k €	-105%	22,3 k €	+282%	-12,2 k €	-107%	179,5 k €	+480%	-47,2 k €	-15637%	-300,2 €	-101%	28,9 k €	-32.4%	42,8 k €	-4.0%	44,6 k €	+4703%	928,2 €	+100%	-238,7 k €	-327%	105,3 k €	+19.9%	87,8 k €	+35.4%	64,8 k €	-69.7%	214,2 k €	+48.0%	144,7 k €
Net result	32,4 k €	+186%	-37,9 k €	-499%	-6,3 k €	-45193%	14 €	-99.8%	7,2 k €	+319%	-3,3 k €	-138%	8,6 k €	-93.0%	122,9 k €	+1597%	-8,2 k €	-138%	21,4 k €	-55.3%	48 k €	-67.3%	146,5 k €	+70.9%	85,7 k €	-31.6%	125,3 k €	-61.4%	324,9 k €	+182%	115,1 k €	+21.0%	95,1 k €	-0.5%	95,5 k €	-56.4%	219,2 k €	+26.2%	173,7 k €
Balance sheet
Equity	2,3 M €	+1.4%	2,3 M €	-1.2%	2,3 M €	+43.8%	1,6 M €	+0.0%	1,6 M €	-2.5%	1,7 M €	-0.2%	1,7 M €	+0.5%	1,6 M €	-32.0%	2,4 M €	-0.3%	2,4 M €	+0.9%	2,4 M €	+2.0%	2,4 M €	+79.4%	1,3 M €	-40.9%	2,2 M €	+1.1%	2,2 M €	+11.3%	2 M €	+6.2%	1,9 M €	+5.4%	1,8 M €	+4.7%	1,7 M €	+14.9%	1,5 M €
Total assets	4,3 M €	+0.6%	4,3 M €	+8.3%	4 M €	+75.7%	2,3 M €	-5.9%	2,4 M €	-1.7%	2,4 M €	-5.2%	2,6 M €	-12.6%	2,9 M €	-0.7%	3 M €	-7.3%	3,2 M €	+3.1%	3,1 M €	+17.7%	2,6 M €	+4.9%	2,5 M €	+2.0%	2,5 M €	-19.3%	3 M €	+8.6%	2,8 M €	+7.4%	2,6 M €	+0.5%	2,6 M €	-5.1%	2,7 M €	+4.3%	2,6 M €
Cash	630,2 k €	+269%	170,6 k €	-53.0%	363 k €	+78.1%	203,8 k €	-68.9%	655,8 k €	-36.0%	1 M €	+222%	318 k €	+6.7%	298,2 k €	-34.7%	456,3 k €	+109%	218 k €	+367%	46,7 k €	-59.3%	114,7 k €	+73.5%	66,1 k €	-56.7%	152,8 k €	-48.0%	293,6 k €	+66.5%	176,3 k €	-45.5%	323,7 k €	+332%	74,9 k €	-66.7%	224,8 k €	+48.5%	151,3 k €
Debts	2 M €	-0.1%	2 M €	+24.1%	1,6 M €	+170%	592,3 k €	-18.8%	729,2 k €	+0.5%	725,8 k €	-15.1%	854,6 k €	-30.6%	1,2 M €	+149%	493,3 k €	-30.2%	706,6 k €	+12.9%	626,1 k €	+189%	216,9 k €	-81.8%	1,2 M €	+427%	225,4 k €	-61.1%	579,8 k €	+16.8%	496,2 k €	+55.5%	319,1 k €	-18.1%	389,4 k €	-16.1%	463,9 k €	-16.3%	554,1 k €
Other
Workforce	–		–		–		–		–		–		–		–		–		–		–		–		–		–		11,0 ETP	-0.9%	11,1 ETP	-5.1%	11,7 ETP	-4.9%	12,3 ETP	-1.6%	12,5 ETP	+1.6%	12,3 ETP

Estimate

Indicative valuation

As an indication, this company is worth

between 1 M€ and 2,5 M€

See the valuation

Governance

Board of directors

Seen on filing of 31/12/2025 · 2 active · 18 ended

Active mandates

Hilde Beel

Director

Active

Vandaele - Beel

Managing director · 0426.111.496

Represented by Bart Vandaele

Active

Ended mandates

BO BATOO

Director · since 27 juillet 2015 · until 01 juin 2021 · 0446.258.891

Represented by Vandaele Philip

Ended

Emile Vandaele

Director · since 02 juin 2003 · until 02 juin 2009

Ended

BO BATOO

Director · 0446.258.891

Represented by Philip Vandaele

Ended

BO BATOO

Director · 0446.258.891

Represented by Philip Vandaele

Ended

At this address

Other companies at this address

Company	CBE no.
CARDAN● Active	0648.618.808
Hibama● Active	1016.148.937
Vandaele - Beel● Active	0426.111.496

Annual accounts

Full financial information

	2025	2024	2023	2022	2021	2020
Type of account	Micro model	Micro model	Micro model	Micro model	Micro model	Micro model
Start of the financial year	01/01/2025	01/01/2024	01/01/2023	01/01/2022	01/01/2021	01/01/2020
Closing of the financial year	31/12/2025	31/12/2024	31/12/2023	31/12/2022	31/12/2021	31/12/2020
Length of the financial year	12 months	12 months	12 months	12 months	12 months	12 months
Filing date	27/07/2026	10/07/2025	14/05/2024	14/06/2023	29/06/2022	28/06/2021
General meeting	30/06/2026	23/06/2025	19/04/2024	07/04/2023	01/06/2022	01/06/2021
Currency of the financial year	EUR	EUR	EUR	EUR	EUR	EUR
NBB quality label	Satisfying controls	Satisfying controls	Satisfying controls	Satisfying controls	Satisfying controls	Satisfying controls

Ratios

Financial ratios

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Filings

Annual accounts filings

21 filings with the NBB

Model	Closing	General meeting	Filed	Language	Document
Micro model	31/12/2025	30/06/2026	27/07/2026	Dutch	PDF
Micro model	31/12/2024	23/06/2025	10/07/2025	Dutch	PDF
Micro model	31/12/2023	19/04/2024	14/05/2024	Dutch	PDF
Micro model	31/12/2022	07/04/2023	14/06/2023	Dutch	PDF
Micro model	31/12/2021	01/06/2022	29/06/2022	Dutch	PDF
Micro model	31/12/2020	01/06/2021	28/06/2021	Dutch	PDF
Micro model	31/12/2019	02/06/2020	02/07/2020	Dutch	PDF
Micro model	31/12/2018	01/06/2019	01/07/2019	Dutch	PDF
Micro model	31/12/2017	22/06/2018	19/07/2018	Dutch	PDF
Micro model	31/12/2016	22/06/2017	19/07/2017	Dutch	PDF
Abridged model	31/12/2015	22/06/2016	20/07/2016	Dutch	PDF
Abridged model	31/12/2014	27/07/2015	26/08/2015	Dutch	PDF
Abridged model	31/12/2013	22/06/2014	17/07/2014	Dutch	PDF
Abridged model	31/12/2012	01/06/2013	28/06/2013	Dutch	PDF
Abridged model	31/12/2011	24/06/2012	23/07/2012	Dutch	PDF
Abridged model	31/12/2010	22/06/2011	20/07/2011	Dutch	PDF
Abridged modelCorrection	31/12/2009	07/02/2011	02/03/2011	Dutch	PDF
Abridged model	31/12/2009	01/06/2010	30/06/2010	Dutch	PDF
Abridged model	31/12/2008	02/06/2009	09/07/2009	Dutch	PDF
Abridged model	31/12/2007	02/06/2008	02/07/2008	Dutch	PDF
Abridged model	31/12/2006	22/06/2007	31/07/2007	Dutch	PDF

Estimate

Indicative valuation

Order of magnitude

As an indication, this company is worth

between 1 M€ and 2,5 M€

The detail comes with the Business plan: low and high bounds, the valuation bridge for each financial year, transaction multiples by sector and size, group valuation and exports.

Discover the Business plan

Disclaimer

Indicative estimate based on public sector multiples and the filed annual accounts. It is neither a certified valuation nor financial or investment advice.

Governance

Board of directors

Seen on filing of 31/12/2025 · 2 active · 18 ended

Active mandates

Hilde Beel

Director

Active

Vandaele - Beel

Managing director · 0426.111.496

Represented by Bart Vandaele

Active

Ended mandates

BO BATOO

Director · since 27 juillet 2015 · until 01 juin 2021 · 0446.258.891

Represented by Vandaele Philip

Ended

Emile Vandaele

Director · since 02 juin 2003 · until 02 juin 2009

Ended

BO BATOO

Director · 0446.258.891

Represented by Philip Vandaele

Ended

BO BATOO

Director · 0446.258.891

Represented by Philip Vandaele

Ended

Shareholders

Ownership and network

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Try for 7 days

Belgian Official Gazette

Belgian Official Gazette publications

Restructuring07/09/2023
KAPITAAL - AANDELEN - STATUTEN (VERTALING, COÖRDINATIE, OVERIGE WIJZIGINGEN, ) - RUBRIEK HERSTRUCTURERING (FUSIE, SPLITSING, OVERDRACHT VERMOGEN, ENZ...)
PDF
Restructuring14/06/2023
RUBRIEK HERSTRUCTURERING (FUSIE, SPLITSING, OVERDRACHT VERMOGEN, ENZ...)
PDF
Mandates05/10/2022
ONTSLAGEN - BENOEMINGEN - ALGEMENE VERGADERING
PDF
Mandates25/06/2021
ONTSLAGEN - BENOEMINGEN
PDF
Mandates25/05/2018
KAPITAAL - AANDELEN - ONTSLAGEN - BENOEMINGEN
PDF
Mandates08/12/2015
ONTSLAGEN - BENOEMINGEN
PDF
Capital / shares04/04/2014
KAPITAAL - AANDELEN - STATUTEN (VERTALING, COÖRDINATIE, OVERIGE WIJZIGINGEN, )
PDF
Registered office07/02/2011
BENAMING - MAATSCHAPPELIJKE ZETEL - STATUTEN (VERTALING, COÖRDINATIE, OVERIGE WIJZIGINGEN, )
PDF

Source: Belgian Official Gazette

Competition

Similar companies

A company's peers, by sector and size, are included in the Business plan.

See the Business plan

2025
Annual accounts 202532,4 k €↑
2024
Annual accounts 2024-37,9 k €↓
2023
Annual accounts 2023-6,3 k €↓
2022
Annual accounts 202214 €↓
2021
Annual accounts 20217,2 k €↑
2020
Annual accounts 2020-3,3 k €↓
2019
Annual accounts 20198,6 k €↓
2018
Annual accounts 2018122,9 k €↑
2017
Annual accounts 2017-8,2 k €↓
2016
Annual accounts 201621,4 k €↓
2015
Annual accounts 201548 k €↓
2014
Annual accounts 2014146,5 k €↑
2013
Annual accounts 201385,7 k €↓
2012
Annual accounts 2012125,3 k €↓
2011
Annual accounts 2011324,9 k €↑
2010
Annual accounts 2010115,1 k €↑
2009
Annual accounts 200995,1 k €↓
2009
Name changeJosepha
2008
Annual accounts 200895,5 k €↓
2007
Annual accounts 2007219,2 k €↑
2006
Annual accounts 2006173,7 k €
2006
Name changeIMMO LA TERRASSE
14/05/1991
IncorporationPublic limited company

10/15	1 240 000	1 180 000	1 050 000
70	8 630 000	8 120 000	7 940 000
9904	412 000	388 000	301 000
17/49	2 970 000	3 140 000	3 380 000
9087	24,3	23,1	21,8

JOSEPHA

Overview

What does JOSEPHA do?

Trend over 20 financial years

Indicative valuation

Board of directors

Other companies at this address

Financials

Full financial information

Financial ratios

Annual accounts filings

Valuation

Indicative valuation

Directors & structure

Board of directors

Ownership and network

Publications

Belgian Official Gazette publications

Similar companies

Similar companies

Timeline