[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"case:jouw-financieel-totaal-advies-bv-08166207:header:guest:personal:":3,"case:jouw-financieel-totaal-advies-bv-08166207:overview:guest:personal::{}":82},{"id":4,"slug":5,"name":6,"trade_names":7,"status":12,"procedure":13,"procedure_type":14,"insolvency_number":33,"case_number":33,"declared_on":34,"terminated_on":18,"termination_reason":18,"kvk_number":35,"legal_form":36,"sbi":18,"court":39,"judge":42,"judge_source":43,"curator":44,"location":48,"counts":57,"pages":63,"follower_count":62,"report_count":58,"last_report_on":75,"last_update_at":76,"freshness":77,"linked":81},"01M3S87ZHRN09RFZM9THHKX3Y8","jouw-financieel-totaal-advies-bv-08166207","Jouw Financieel Totaal Advies B.V.",[8,9,10,11],"Homefinance Hypotheken","hypotheekrenteonderhandelaar.nl","JFTA","www.hypotheekvoordeelrente.nl","active","bankruptcy",{"id":15,"key":13,"family":16,"name":17,"short_name":18,"legal_basis":19,"features":23},"01M3Y8CPCPT53NPXHK39BWK1QY","insolvency","Faillissement",null,{"name":20,"provision":21,"url":22},"Faillissementswet","Titel I (art. 1 e.v.)","https:\u002F\u002Fwetten.overheid.nl\u002FBWBR0001860",[24,25,26,27,28,29,30,31,32],"reports","financials","creditors","assets","investigations","curator_workspace","appointments","court_decisions","portfolio_monitoring","F.08\u002F23\u002F128","2023-07-25","08166207",{"value":37,"source":38},"BV","cir",{"name":40,"slug":41,"location":18},"Rechtbank Overijssel","overijssel","mr. K.J. Haarhuis",{"type":38,"report_number":18,"published_on":18},{"name":45,"slug":46,"law_firm":18,"city":18,"verified":47},"mr. E.H. Bruggink","eh-bruggink",false,{"street":49,"house_number":50,"addition":18,"postal_code":51,"city":52,"municipality":52,"province":53,"lat":54,"lng":55,"kind":56,"source":38},"Sterrenkroos","47","8043ND","Zwolle","Overijssel",52.541311,6.058986,"business",{"reports":58,"documents":59,"assets":60,"investigations":61,"news":62},20,23,9,6,0,{"overview":64,"reports":66,"financials":67,"investigations":68,"assets":69,"timeline":70,"documents":71,"news":72,"company":73,"compare":74},{"index":65,"ads":65},true,{"index":65,"ads":65},{"index":65,"ads":65},{"index":65,"ads":47},{"index":65,"ads":47},{"index":65,"ads":47},{"index":65,"ads":47},{"index":47,"ads":47},{"index":65,"ads":47},{"index":47,"ads":47},"2026-05-04","2026-10-07T14:03:54+00:00",{"last_checked_at":78,"last_reconciled_at":79,"stale":47,"status":80},"2026-10-10T15:00:12+00:00","2026-10-01T13:40:16+00:00","current",{"continued_from":18,"continued_as":18},{"data":83},{"summary":84,"changes":122,"kpis":205,"topics":241,"topics_report_number":128,"topics_report_date":75,"processing":18,"timeline":324,"documents":373,"sources":385,"curator_update":18,"news":387,"auctions":388,"auction_count":62},{"kind":85,"category":85,"sentences":86,"facts":103,"published_at":121},"automated",[87,93,97],{"text":88,"facts":89},"Het faillissement van Jouw Financieel Totaal Advies B.V. is uitgesproken op 25 juli 2023 door de Rechtbank Overijssel; curator is mr. E.H. Bruggink.",[90,91,92],"company","procedure","curator",{"text":94,"facts":95},"Volgens het laatste openbare verslag 10 van 4 mei 2026 bedraagt het boedelactief € 17.970,63.",[24,96],"value_estate_assets",{"text":98,"facts":99},"Volgens datzelfde verslag zijn er 7 concurrente crediteuren met vorderingen van € 654.343,06 en preferente vorderingen van € 147.471.",[100,101,102],"value_concurrent_claims","value_creditor_count","value_preferential_claims",{"company":104,"procedure":106,"curator":107,"reports":108,"value_estate_assets":109,"value_concurrent_claims":112,"value_creditor_count":115,"value_preferential_claims":118},{"category":105},"official",{"category":105},{"category":105},{"category":105},{"category":85,"value_id":110,"reference_id":111},31757,348633,{"category":85,"value_id":113,"reference_id":114},6746,67272,{"category":85,"value_id":116,"reference_id":117},28099,289961,{"category":85,"value_id":119,"reference_id":120},6747,289962,"2026-10-04T04:37:57+00:00",{"from":123,"to":126,"count":129,"groups":130},{"id":124,"number":60,"published_on":125},"01M3S88SCH1GR19RZTV95672WH","2025-11-03",{"id":127,"number":128,"published_on":75},"01M3S88WDW01N95R1HDXEDZ4EH",10,3,{"new":131,"changed":132,"completed":183,"ongoing":184,"no_longer_mentioned":204},[],[133,157,171],{"kind":134,"field":135,"change":136,"from":137,"to":140,"delta":142,"delta_ratio":143,"source":144},"amount","concurrent_claims","changed",{"value":138,"state":139,"qualifier":18},605613.11,"known",{"value":141,"state":139,"qualifier":18},654343.06,48729.95,0.0805,{"id":114,"category":85,"method":145,"source_type":146,"document":147,"page":152,"section":153,"excerpt":154,"certainty":155,"curator_verified_at":18,"processed_at":156},"deterministic","cir_report",{"id":148,"title":149,"report_number":128,"report_date":75,"published_on":75,"page_count":150,"url":151,"available":65},"01M3S88Y5NN2MRRB5QZFG1F4VW","Verslag:  04-05-2026",21,"https:\u002F\u002Ffaillissement.app\u002Fdocuments\u002F01M3S88Y5NN2MRRB5QZFG1F4VW.pdf",18,"8.6 Bedrag concurrente crediteuren","25-08-2023 € 489.386,17 1 27-11-2023 € 605.348,18 2 04-12-2024 € 605.613,11 6 04-05-2026 € 654.343,06 10",0.95,"2026-09-30T13:32:45+00:00",{"kind":158,"field":159,"change":136,"from":160,"to":161,"delta":163,"delta_ratio":164,"source":165},"count","creditor_count",{"value":61,"state":139,"qualifier":18},{"value":162,"state":139,"qualifier":18},7,1,0.1667,{"id":117,"category":85,"method":145,"source_type":146,"document":166,"page":167,"section":168,"excerpt":169,"certainty":155,"curator_verified_at":18,"processed_at":170},{"id":148,"title":149,"report_number":128,"report_date":75,"published_on":75,"page_count":150,"url":151,"available":65},17,"8.5 Aantal concurrente crediteuren","3","2026-10-02T18:09:11+00:00",{"kind":172,"topic":173,"change":136,"from":174,"to":175,"source":176},"topic","security_rights","announced","mentioned",{"id":177,"category":85,"method":145,"source_type":146,"document":178,"page":179,"section":180,"excerpt":181,"certainty":182,"curator_verified_at":18,"processed_at":170},289974,{"id":148,"title":149,"report_number":128,"report_date":75,"published_on":75,"page_count":150,"url":151,"available":65},11,"5.3 Beschrijving zekerheden","Mede gelet op het arrest van de Hoge Raad d.d. 19 september 2019 heeft ING geen rechtsgeldig pandrecht op de klantenportefeuille.",0.5,[],[185,196],{"kind":172,"topic":186,"change":187,"from":188,"to":188,"source":189},"paulianas","ongoing","investigating",{"id":190,"category":85,"method":145,"source_type":146,"document":191,"page":192,"section":193,"excerpt":194,"certainty":195,"curator_verified_at":18,"processed_at":156},67302,{"id":148,"title":149,"report_number":128,"report_date":75,"published_on":75,"page_count":150,"url":151,"available":65},15,"7.6 Paulianeus handelen","25-08-2023 In onderzoek 1 Toelichting De curator dient nog te onderzoeken of er sprake is van paulianeus handelen. 04-03-2024 In onderzoek 3 Toelichting Verslag 3 - 5 maart 2024: Nog in onderzoek. De curator verw acht een definitief standpunt te kunnen innemen na ontvangst van de aanvullende reacties (zie sub 7.1). 04-06-2024 In onderzoek 4 Toelichting Verslag 4 - 4 juni 2024: Nog in onderzoek. De",0.7,{"kind":172,"topic":197,"change":187,"from":188,"to":188,"source":198},"legality_review",{"id":199,"category":85,"method":145,"source_type":146,"document":200,"page":201,"section":202,"excerpt":203,"certainty":195,"curator_verified_at":18,"processed_at":156},67307,{"id":148,"title":149,"report_number":128,"report_date":75,"published_on":75,"page_count":150,"url":151,"available":65},13,"7.1 Boekhoudplicht","De curator is nog bezig met het verzamelen van alle administratie. 25-08-2023 1 Verslag 2 - 27 november 2023: 27-11-2023 De bestuurder is verzocht de volledige administratie aan te leveren. De curator 2 heeft inmiddels nadere informatie ontvangen. Die moet nog nader w orden bestudeerd. Verslag 3 - 5 maart 2024: 04-03-2024 De curator heeft de beschikbare informatie onderzocht. Er is vastgesteld dat",[],{"values":206,"reports":240},[207,221,225,233,237],{"field":208,"kind":134,"value":209,"state":139,"qualifier":18,"as_of":75,"category":85,"report_number":128,"report_date":75,"source":210,"previous":218,"delta":220,"curator":18,"processing":47,"correction_pending":47,"conflict":18},"estate_assets",17970.63,{"id":111,"category":85,"method":145,"source_type":146,"document":211,"page":61,"section":215,"excerpt":216,"certainty":155,"curator_verified_at":18,"processed_at":217},{"id":212,"title":213,"report_number":128,"report_date":75,"published_on":75,"page_count":128,"url":214,"available":65},"01M3S88ZJPKQ78M9SDP2D3JFMD","Financieel verslag  04-05-2026","https:\u002F\u002Ffaillissement.app\u002Fdocuments\u002F01M3S88ZJPKQ78M9SDP2D3JFMD.pdf","financial_statement_a","Totaal baten                                  € 17.970,63                       € 0,00","2026-10-03T06:30:58+00:00",{"value":219,"state":139,"report_number":60,"report_date":125},8970.63,9000,{"field":135,"kind":134,"value":141,"state":139,"qualifier":18,"as_of":75,"category":85,"report_number":128,"report_date":75,"source":222,"previous":224,"delta":142,"curator":18,"processing":47,"correction_pending":47,"conflict":18},{"id":114,"category":85,"method":145,"source_type":146,"document":223,"page":152,"section":153,"excerpt":154,"certainty":155,"curator_verified_at":18,"processed_at":156},{"id":148,"title":149,"report_number":128,"report_date":75,"published_on":75,"page_count":150,"url":151,"available":65},{"value":138,"state":139,"report_number":60,"report_date":125},{"field":226,"kind":134,"value":227,"state":139,"qualifier":18,"as_of":75,"category":85,"report_number":128,"report_date":75,"source":228,"previous":232,"delta":62,"curator":18,"processing":47,"correction_pending":47,"conflict":18},"preferential_claims",147471,{"id":120,"category":85,"method":145,"source_type":146,"document":229,"page":167,"section":230,"excerpt":231,"certainty":155,"curator_verified_at":18,"processed_at":170},{"id":148,"title":149,"report_number":128,"report_date":75,"published_on":75,"page_count":150,"url":151,"available":65},"8.2 Pref. vord. van de fiscus","€ 142.954,00 Toelichting De fiscus heeft vorderingen ingediend met betrekking tot loonheffing en vennootschapsbelasting vanaf 2017.",{"value":227,"state":139,"report_number":60,"report_date":125},{"field":159,"kind":158,"value":162,"state":139,"qualifier":18,"as_of":75,"category":85,"report_number":128,"report_date":75,"source":234,"previous":236,"delta":163,"curator":18,"processing":47,"correction_pending":47,"conflict":18},{"id":117,"category":85,"method":145,"source_type":146,"document":235,"page":167,"section":168,"excerpt":169,"certainty":155,"curator_verified_at":18,"processed_at":170},{"id":148,"title":149,"report_number":128,"report_date":75,"published_on":75,"page_count":150,"url":151,"available":65},{"value":61,"state":139,"report_number":60,"report_date":125},{"field":238,"kind":158,"value":18,"state":239,"qualifier":18,"as_of":18,"category":18,"report_number":18,"report_date":18,"source":18,"previous":18,"delta":18,"curator":18,"processing":47,"correction_pending":47,"conflict":18},"employee_count","not_mentioned",{"count":58,"next":18},[242,249,256,264,271,278,281,289,295,304,311,314,321],{"topic":243,"investigation":47,"state":175,"category":85,"source":244},"lease_contracts",{"id":245,"category":85,"method":145,"source_type":146,"document":246,"page":162,"section":247,"excerpt":248,"certainty":182,"curator_verified_at":18,"processed_at":156},67278,{"id":148,"title":149,"report_number":128,"report_date":75,"published_on":75,"page_count":150,"url":151,"available":65},"1.4 Huur","Volgens mededeling van de bestuurder maakt de onderneming geen gebruik 25-08-2023 van een kantoorruimte. Het bezoekadres is de privé w oning van de 1 bestuurder.",{"topic":250,"investigation":65,"state":175,"category":85,"source":251},"causes_investigation",{"id":252,"category":85,"method":145,"source_type":146,"document":253,"page":162,"section":254,"excerpt":255,"certainty":182,"curator_verified_at":18,"processed_at":156},67280,{"id":148,"title":149,"report_number":128,"report_date":75,"published_on":75,"page_count":150,"url":151,"available":65},"1.5 Oorzaak faillissement","Volgens mededeling van de bestuurder zijn de inkomsten van de onderneming 25-08-2023 na een sanering in 2018 w eggevallen. Na Corona w as er volgens de 1 bestuurder geen vooruitzicht meer op het realiseren van inkomsten, mede in verband met het inzakken van de verkoop op de w oningmarkten en de daarmee verband houdende hypotheekactiviteiten. De curator zal e.e.a. nog onderzoeken.",{"topic":257,"investigation":47,"state":175,"category":85,"source":258},"employees",{"id":259,"category":85,"method":145,"source_type":146,"document":260,"page":261,"section":262,"excerpt":263,"certainty":182,"curator_verified_at":18,"processed_at":156},67281,{"id":148,"title":149,"report_number":128,"report_date":75,"published_on":75,"page_count":150,"url":151,"available":65},8,"2.3 Ontslagaanzegging","Datum Aantal Toelichting 26-7-2023 1 totaal 1",{"topic":265,"investigation":47,"state":175,"category":85,"source":266},"asset_sales",{"id":267,"category":85,"method":145,"source_type":146,"document":268,"page":261,"section":269,"excerpt":270,"certainty":182,"curator_verified_at":18,"processed_at":170},289966,{"id":148,"title":149,"report_number":128,"report_date":75,"published_on":75,"page_count":150,"url":151,"available":65},"3.1 Onroerende zaken","Toelichting onroerende zaken 25-08-2023 N.v.t.",{"topic":272,"investigation":47,"state":175,"category":85,"source":273},"receivables_collection",{"id":274,"category":85,"method":145,"source_type":146,"document":275,"page":128,"section":276,"excerpt":277,"certainty":182,"curator_verified_at":18,"processed_at":156},67290,{"id":148,"title":149,"report_number":128,"report_date":75,"published_on":75,"page_count":150,"url":151,"available":65},"4.1 Debiteuren","Toelichting debiteuren Vooralsnog is niet gebleken van debiteurenvorderingen. 25-08-2023 1",{"topic":173,"investigation":47,"state":175,"category":85,"source":279},{"id":177,"category":85,"method":145,"source_type":146,"document":280,"page":179,"section":180,"excerpt":181,"certainty":182,"curator_verified_at":18,"processed_at":170},{"id":148,"title":149,"report_number":128,"report_date":75,"published_on":75,"page_count":150,"url":151,"available":65},{"topic":282,"investigation":47,"state":283,"category":85,"source":284},"going_concern","not_applicable",{"id":285,"category":85,"method":145,"source_type":146,"document":286,"page":201,"section":287,"excerpt":288,"certainty":195,"curator_verified_at":18,"processed_at":156},67298,{"id":148,"title":149,"report_number":128,"report_date":75,"published_on":75,"page_count":150,"url":151,"available":65},"6.8 Werkzaamheden doorstarten onderneming","N.v.t. 25-08-2023 1",{"topic":290,"investigation":65,"state":175,"category":85,"source":291},"bookkeeping_duty",{"id":292,"category":85,"method":145,"source_type":146,"document":293,"page":201,"section":202,"excerpt":294,"certainty":182,"curator_verified_at":18,"processed_at":170},289980,{"id":148,"title":149,"report_number":128,"report_date":75,"published_on":75,"page_count":150,"url":151,"available":65},"Van de bestuurder w erd zoals afgesproken maandelijks EUR 1.500 ontvangen. In totaal w erd daarmee inmiddels een bedrag van EUR 9.000 10 ontvangen. De curator zal de ontvangst van de maandelijkse betalingen blijven monitoren en zal de minnelijke regeling de komende verslagperiode bezien, w aarbij tevens zal w orden onderzocht of betaling sneller kan plaatsvinden.",{"topic":296,"investigation":65,"state":297,"category":85,"source":298},"annual_accounts_filing","completed",{"id":299,"category":85,"method":145,"source_type":146,"document":300,"page":301,"section":302,"excerpt":303,"certainty":195,"curator_verified_at":18,"processed_at":170},289981,{"id":148,"title":149,"report_number":128,"report_date":75,"published_on":75,"page_count":150,"url":151,"available":65},14,"7.2 Depot jaarrekeningen","Verslag 3 - 5 maart 2024: Uit het onderzoek is gebleken dat na 2018 geen jaarrekeningen meer zijn 3 opgesteld. Er kan w orden vastgesteld dat niet is voldaan aan de deponeringsplicht.",{"topic":305,"investigation":65,"state":175,"category":85,"source":306},"director_liability",{"id":307,"category":85,"method":145,"source_type":146,"document":308,"page":192,"section":309,"excerpt":310,"certainty":182,"curator_verified_at":18,"processed_at":170},289982,{"id":148,"title":149,"report_number":128,"report_date":75,"published_on":75,"page_count":150,"url":151,"available":65},"7.5 Onbehoorlijk bestuur","Toelichting Verslag 5 - 4 september 2024: De curator stelt zich op het standpunt dat sprake is van onbehoorlijk bestuur. Voor het overige w ordt verw ezen naar 7.1.",{"topic":186,"investigation":65,"state":188,"category":85,"source":312},{"id":190,"category":85,"method":145,"source_type":146,"document":313,"page":192,"section":193,"excerpt":194,"certainty":195,"curator_verified_at":18,"processed_at":156},{"id":148,"title":149,"report_number":128,"report_date":75,"published_on":75,"page_count":150,"url":151,"available":65},{"topic":315,"investigation":65,"state":283,"category":85,"source":316},"proceedings",{"id":317,"category":85,"method":145,"source_type":146,"document":318,"page":319,"section":320,"excerpt":288,"certainty":195,"curator_verified_at":18,"processed_at":156},67305,{"id":148,"title":149,"report_number":128,"report_date":75,"published_on":75,"page_count":150,"url":151,"available":65},19,"9.3 Stand procedures",{"topic":197,"investigation":65,"state":188,"category":85,"source":322},{"id":199,"category":85,"method":145,"source_type":146,"document":323,"page":201,"section":202,"excerpt":203,"certainty":195,"curator_verified_at":18,"processed_at":156},{"id":148,"title":149,"report_number":128,"report_date":75,"published_on":75,"page_count":150,"url":151,"available":65},[325,337,353,358,368],{"id":326,"type":327,"group":28,"category":85,"occurred_at":328,"detected_at":76,"date_basis":329,"payload":330,"from_case":18,"source":18},"01M4BAV350T58FAE4SXHKWMTCS","topic_changed","2026-05-04T12:00:00+00:00","source",{"from_report":331,"to_report":332,"from_number":60,"to_number":128,"from_date":125,"to_date":75,"topics":333},"01M3S88TZAJ02BTYR7XH9H06CH","01M3S88Y681Y81ZEHC66PV44BT",[334,336],{"topic":282,"change":335,"from":18,"to":175},"new",{"topic":315,"change":335,"from":18,"to":175},{"id":338,"type":339,"group":340,"category":85,"occurred_at":328,"detected_at":341,"date_basis":329,"payload":342,"from_case":18,"source":18},"01M43Z2GJVEF5KPPGV09ADCCK4","financial_changed","financial","2026-10-04T17:23:34+00:00",{"from_report":331,"to_report":332,"from_number":60,"to_number":128,"from_date":125,"to_date":75,"fields":343},[344,347],{"field":208,"from":345,"to":346,"delta":220},{"value":219,"state":139,"qualifier":18},{"value":209,"state":139,"qualifier":18},{"field":348,"from":349,"to":350,"delta":352},"estate_account_balance",{"value":219,"state":139,"qualifier":18},{"value":351,"state":139,"qualifier":18},11569.39,2598.76,{"id":354,"type":327,"group":28,"category":85,"occurred_at":328,"detected_at":170,"date_basis":329,"payload":355,"from_case":18,"source":18},"01M3YWWM88V71EG79Q04D7RB4J",{"from_report":124,"to_report":127,"from_number":167,"to_number":319,"from_date":125,"to_date":75,"topics":356},[357],{"topic":173,"change":136,"from":174,"to":175},{"id":359,"type":339,"group":340,"category":85,"occurred_at":328,"detected_at":170,"date_basis":329,"payload":360,"from_case":18,"source":18},"01M3YWWM84F272GVY45471HM93",{"from_report":124,"to_report":127,"from_number":167,"to_number":319,"from_date":125,"to_date":75,"fields":361},[362,365],{"field":135,"from":363,"to":364,"delta":142},{"value":138,"state":139,"qualifier":18},{"value":141,"state":139,"qualifier":18},{"field":159,"from":366,"to":367,"delta":163},{"value":61,"state":139,"qualifier":18},{"value":162,"state":139,"qualifier":18},{"id":369,"type":370,"group":24,"category":105,"occurred_at":328,"detected_at":371,"date_basis":329,"payload":372,"from_case":18,"source":18},"01M3S88ZJVWAW2HV6FFNC6VK9N","report_published","2026-09-30T13:32:44+00:00",{"report_id":332,"report_number":18,"report_date":75,"title":213,"is_final":47},[374,376,377,381],{"kind":375,"id":212,"title":213,"report_number":128,"report_date":75,"date":75,"pages":128,"category":105,"url":214},"report",{"kind":375,"id":148,"title":149,"report_number":128,"report_date":75,"date":75,"pages":150,"category":105,"url":151},{"kind":375,"id":378,"title":379,"report_number":60,"report_date":125,"date":125,"pages":128,"category":105,"url":380},"01M3S88WDBGE7QMCHVXQ9TA7S4","Financieel verslag 03-11-2025","https:\u002F\u002Ffaillissement.app\u002Fdocuments\u002F01M3S88WDBGE7QMCHVXQ9TA7S4.pdf",{"kind":375,"id":382,"title":383,"report_number":60,"report_date":125,"date":125,"pages":319,"category":105,"url":384},"01M3S88TYSZ6X2R4JTG9V7CWHQ","Verslag: 03-11-2025","https:\u002F\u002Ffaillissement.app\u002Fdocuments\u002F01M3S88TYSZ6X2R4JTG9V7CWHQ.pdf",{"official":59,"curator":62,"automated":386,"external":62},195,[],[]]