ACTIVE

JOA

Export PDF

Financial year 2024 · closed on 31/12/2024

Net result

-7,8 k €

-510.7% YoY

Gross margin

-7,2 k €

-388.4% YoY

Equity

1,9 k €

-80.4% YoY

What does JOA do?

JOA is a Private limited company incorporated in 2011. Its main activity is: Activities of insurance agents and brokers. Its registered office is in Namur.

Legal situation

● Normal situation

BCE/KBO no. / VAT

BE 0838.242.029

Incorporation

01/08/2011

Legal form

Private limited company

Registered office

Rue de l'Avoine(JB) 10
5100 Namur · WallonieSee on map

Contributed capital

18 600,00 €

Latest accounts

31/12/2024

Activities (NACE)

66220Activities of insurance agents and brokers· main 66220Activities of insurance agents and brokers

Joint committees (1)

Signals

Solid equityGood liquidity

View the BCE/KBO Public Search record →

Health score

Available with a Rovalta subscriptionTry for 7 days

Recommended credit limit

✦ Verdict · Analyst summary

Financials

Trend over 14 financial years

	2024		2023		2022		2021		2020		2019		2018		2017		2016		2015		2014		2013		2012		2011
Income statement
Gross margin	-7,2 k €	-388%	2,5 k €	-73.4%	9,4 k €	+598%	-1,9 k €	-130%	6,2 k €	-68.8%	19,8 k €	+46783%	-42,4 €	-100%	39 k €	+129%	17,1 k €	+8.2%	15,8 k €	-69.1%	51 k €	-12.7%	58,5 k €	+288%	15,1 k €	+942%	-1,8 k €
EBITDA	-7,6 k €	-463%	2,1 k €	-76.6%	9 k €	+406%	-2,9 k €	-168%	4,3 k €	-78.9%	20,4 k €	+3052%	-691 €	+92.0%	-8,6 k €	-763%	1,3 k €	-71.6%	4,6 k €	-66.3%	13,6 k €	-30.6%	19,6 k €	+31.4%	14,9 k €	+717%	-2,4 k €
Operating result	-7,6 k €	-478%	2 k €	-77.1%	8,8 k €	+384%	-3,1 k €	-174%	4,2 k €	-75.8%	17,5 k €	+334%	-7,5 k €	+53.1%	-15,9 k €	-113%	-7,5 k €	-78.3%	-4,2 k €	-261%	2,6 k €	-59.3%	6,4 k €	+406%	1,3 k €	+119%	-6,8 k €
Net result	-7,8 k €	-511%	1,9 k €	-78.3%	8,7 k €	+363%	-3,3 k €	-182%	4,1 k €	-76.2%	17,1 k €	+327%	-7,6 k €	+57.3%	-17,7 k €	-115%	-8,2 k €	-70.0%	-4,8 k €	-452%	1,4 k €	-73.3%	5,2 k €	+332%	1,2 k €	+118%	-6,8 k €
Balance sheet
Equity	1,9 k €	-80.4%	9,7 k €	+24.3%	7,8 k €	+921%	-948,7 €	-140%	2,4 k €	+240%	-1,7 k €	+91.0%	-18,8 k €	-67.0%	-11,3 k €	-275%	6,4 k €	-56.2%	14,7 k €	-24.8%	19,5 k €	+7.6%	18,1 k €	+39.8%	13 k €	+10.2%	11,8 k €
Total assets	5,5 k €	-49.9%	11 k €	-46.3%	20,5 k €	+374%	4,3 k €	-40.5%	7,3 k €	-36.6%	11,5 k €	+99.1%	5,8 k €	-66.8%	17,4 k €	-70.2%	58,3 k €	+4.2%	55,9 k €	-21.2%	71 k €	-0.6%	71,4 k €	+3.4%	69,1 k €	+23.3%	56 k €
Cash	117 €	-94.3%	2 k €	-83.1%	12,1 k €	+27205%	44,3 €	-98.7%	3,3 k €	+12955%	25,2 €		–		34,7 €	-99.8%	18,5 k €	-1.2%	18,7 k €	-23.6%	24,5 k €	+65.7%	14,8 k €	+3.5%	14,3 k €	+357%	3,1 k €
Debts	3,6 k €	+178%	1,3 k €	-89.7%	12,7 k €	+140%	5,3 k €	+7.9%	4,9 k €	-62.9%	13,1 k €	-46.5%	24,6 k €	-14.1%	28,6 k €	-44.8%	51,9 k €	+25.7%	41,3 k €	-19.8%	51,5 k €	-3.4%	53,3 k €	-5.0%	56,1 k €	+213%	17,9 k €
Other
Workforce	–		–		–		–		–		–		–		1,2 ETP	+71.4%	0,7 ETP	+133%	0,3 ETP	-66.7%	0,9 ETP	-30.8%	1,3 ETP		–		–

Estimate

Indicative valuation

As an indication, this company is worth

between 0 € and 100 k€

See the valuation

Governance

Board of directors

Seen on filing of 31/12/2024 · 1 active · 8 ended

Active mandates

Jérôme ALBRECHTS

Mandate

Active

Ended mandates

Jérôme Albrechts

Director · since 15 janvier 2021

Ended

Julien Albrechts

Manager · since 01 juillet 2016 · until 15 janvier 2021

Ended

GAETAN VAN DEN BRANDE

Manager · since 01 janvier 2015

Ended

Gaëtan VAN DEN BRANDE

Manager · since 01 janvier 2015 · until 30 juin 2016

Ended

At this address

Other companies at this address

Company	CBE no.
ALWA● Active	0687.748.806

Annual accounts

Full financial information

	2024	2023	2022	2021	2020	2019
Type of account	Micro model	Micro model	Micro model	Micro model	Abridged model	Abridged model
Start of the financial year	01/01/2024	01/01/2023	01/01/2022	01/01/2021	01/01/2020	01/01/2019
Closing of the financial year	31/12/2024	31/12/2023	31/12/2022	31/12/2021	31/12/2020	31/12/2019
Length of the financial year	12 months	12 months	12 months	12 months	12 months	12 months
Filing date	25/08/2025	16/09/2024	10/08/2023	08/08/2022	08/09/2021	27/11/2020
General meeting	10/06/2025	11/06/2024	13/06/2023	14/06/2022	08/06/2021	09/06/2020
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

Looking for more information about this company?

Try for 7 days

Filings

Annual accounts filings

14 filings with the NBB

Model	Closing	General meeting	Filed	Language	Document
Micro model	31/12/2024	10/06/2025	25/08/2025	French	PDF
Micro model	31/12/2023	11/06/2024	16/09/2024	French	PDF
Micro model	31/12/2022	13/06/2023	10/08/2023	French	PDF
Micro model	31/12/2021	14/06/2022	08/08/2022	French	PDF
Abridged model	31/12/2020	08/06/2021	08/09/2021	French	PDF
Abridged model	31/12/2019	09/06/2020	27/11/2020	French	PDF
Abridged model	31/12/2018	11/06/2019	29/08/2019	French	PDF
Abridged model	31/12/2017	29/06/2018	31/08/2018	French	PDF
Abridged model	31/12/2016	30/06/2017	27/09/2017	French	PDF
Abridged model	31/12/2015	30/06/2016	26/09/2016	French	PDF
Abridged model	31/12/2014	09/06/2015	31/08/2015	French	PDF
Abridged model	31/12/2013	09/06/2014	10/09/2014	French	PDF
Abridged model	31/12/2012	11/06/2013	29/08/2013	French	PDF
Abridged model	31/12/2011	12/06/2012	21/09/2012	French	PDF

Estimate

Indicative valuation

Order of magnitude

As an indication, this company is worth

between 0 € and 100 k€

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 31/12/2024 · 1 active · 8 ended

Active mandates

Jérôme ALBRECHTS

Mandate

Active

Ended mandates

Jérôme Albrechts

Director · since 15 janvier 2021

Ended

Julien Albrechts

Manager · since 01 juillet 2016 · until 15 janvier 2021

Ended

GAETAN VAN DEN BRANDE

Manager · since 01 janvier 2015

Ended

Gaëtan VAN DEN BRANDE

Manager · since 01 janvier 2015 · until 30 juin 2016

Ended

Shareholders

Ownership and network

Looking for more information about this company?

Try for 7 days

Competition

Similar companies

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

See the Business plan

2024
Annual accounts 2024-7,8 k €↓
2023
Annual accounts 20231,9 k €↓
2022
Annual accounts 20228,7 k €↑
2021
Annual accounts 2021-3,3 k €↓
2020
Annual accounts 20204,1 k €↓
2019
Annual accounts 201917,1 k €↑
2018
Annual accounts 2018-7,6 k €↑
2017
Annual accounts 2017-17,7 k €↓
2016
Annual accounts 2016-8,2 k €↓
2015
Annual accounts 2015-4,8 k €↓
2014
Annual accounts 20141,4 k €↓
2013
Annual accounts 20135,2 k €↑
2012
Annual accounts 20121,2 k €↑
2011
Annual accounts 2011-6,8 k €
01/08/2011
IncorporationPrivate 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

JOA

Overview

What does JOA do?

Trend over 14 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

Similar companies

Similar companies

Timeline