JMBA
ActiveSummary
JMBA has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €157,180 and a net result of €151,034. Equity is shrinking by ~3.4% per year across the filed fiscal years. Its solvency ranks better than 22% of 10485 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability83▲+2
Solvency37▼-2
Growth58=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8,000 at 30 days acceptable
Liquidity tight (current ratio 1.07 against 1.08 in 2024; short-term debt: 88.2% and cash: 12.7% of total assets), and 88.4% of the assets are financed with debt.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
11.6%
Return on assets
11.1%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 10485 sector peers (2025).
NBB · sector comparisonPosition among 10485 sector peers
Solvency
better than 22%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-07-2026, 4 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
4 d early
2024
3 d early
2023
22 d late
2022
70 d late
2021
37 d early
2020
19 d early
2019
32 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 9 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€151,034▲ 36.6%
2024 · €110,587
Working capital
€85,312▲ 5.2%
2024 · €81,105
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€458,978▲ 183%€69,807▼ 84.8%-€3,202€49,793€110,650▲ 122%
Net result€403,472above the sector's middle half▲ 172%€157,755above the sector's middle half▼ 60.9%€76,817within the sector's middle half▼ 51.3%€110,587within the sector's middle half▲ 44.0%€151,034above the sector's middle half▲ 36.6%
Equity€752,042above the sector's middle half▲ 116%€198,742within the sector's middle half▼ 73.6%€145,559within the sector's middle half▼ 26.8%€156,146within the sector's middle half▲ 7.3%€157,180within the sector's middle half▲ 0.7%
Total assets€2.4mabove the sector's middle half▲ 39.4%€1.6mwithin the sector's middle half▼ 35.4%€1.3mwithin the sector's middle half▼ 15.9%€1.1mwithin the sector's middle half▼ 13.6%€1.4mwithin the sector's middle half▲ 19.8%
Debt€1.7m▲ 27.5%€1.4m▼ 18.2%€1.2m▼ 14.4%€978,126▼ 16.2%€1.2m▲ 22.8%
Working capital€399,252▲ 125%€1,455▼ 99.6%€16,643▲ 1,044%€81,105▲ 387%€85,312▲ 5.2%
Solvency31.1%within the sector's middle half▲ 11.0pp12.7%below the sector's middle half▼ 18.4pp11.1%below the sector's middle half▼ 1.6pp13.8%within the sector's middle half▲ 2.7pp11.6%below the sector's middle half▼ 2.2pp
Staff (FTE)9.7within the sector's middle half▲ 44.8%12.3within the sector's middle half▲ 26.8%12.3within the sector's middle half=9.2within the sector's middle half▼ 25.2%8above the sector's middle half▼ 13.0%
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 122% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.4m
Fixed assets
€75,351 ▼ 4.3%
Current assets
€1.3m ▲ 21.6%
Equity and liabilities €1.4m
Equity
€157,180 ▲ 0.7%
Debt
€1.2m ▲ 22.8%
Debt's share of the balance-sheet total rises from 86.2% to 88.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€163,212▲
2024 · €108,472
Cash flow
€203,596▲
2024 · €169,267
Current ratio
1.07▼
2024 · 1.08
Quick ratio
0.85▲
2024 · 0.85
Debt to equity
7.64▲
2024 · 6.26
ROE
96.1%▲
2024 · 70.8%
ROA
11.1%▲
2024 · 9.7%
Interest coverage
142.11▲
2024 · 90.26
Debt ≤ 1 year
€1.2m▲
2024 · €974,459
Income taxes
€52,802▲
2024 · €39,814
Staff costs
€602,410▼
2024 · €645,762
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 5,049 companies that looked in July 2024 the way this one looks now, 1.5% went bankrupt within 24 months and 96% are still going.
- Micro
- 10 to 20 years old
- solvency 10 to 30%
- a profit of 5% of the balance sheet or more
1.5%
went bankrupt
2.3%
stopped otherwise
96%
still going
A further 0.4% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.7% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 5,049 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €644,438 | €804,951 | €808,576 | €645,762 | €602,410 | ▼ 6.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €68,173 | €71,162 | €62,000 | €58,679 | €52,562 | ▼ 10.4% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | €57,076 | -€23,637 | -€32,585 | €690 | ▲ 102% |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | -€80,338 | - | - | - | - | - |
| Other operating charges640/8 | €13,588 | €13,895 | €15,472 | €4,673 | €9,183 | ▲ 96.5% |
| Non-recurring operating charges66A | €205 | €480 | - | - | - | - |
| Gross operating margin9900 | €1.1m | €1.0m | €859,209 | €726,322 | €775,494 | ▲ 6.8% |
| Operating profit (loss)9901 | €458,978 | €69,807 | -€3,202 | €49,793 | €110,650 | ▲ 122% |
| Financial income75/76B | €132,535 | €149,567 | €111,083 | €101,810 | €94,335 | ▼ 7.3% |
| Recurring financial income75 | €132,535 | €149,567 | €111,083 | €101,810 | €94,335 | ▼ 7.3% |
| Financial charges65/66B | €83,693 | €6,818 | €1,647 | €1,202 | €1,148 | ▼ 4.4% |
| Recurring financial charges65 | €83,693 | €6,818 | €1,647 | €1,202 | €1,148 | ▼ 4.4% |
| Profit (loss) for the period before taxes9903 | €507,821 | €212,555 | €106,234 | €150,401 | €203,836 | ▲ 35.5% |
| Income taxes67/77 | €104,349 | €54,801 | €29,417 | €39,814 | €52,802 | ▲ 32.6% |
| Profit (loss) for the period9904 | €403,472 | €157,755 | €76,817 | €110,587 | €151,034 | ▲ 36.6% |
| Profit (loss) for the period to be appropriated9905 | €403,472 | €157,755 | €76,817 | €110,587 | €151,034 | ▲ 36.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €2.4m | €1.6m | €1.3m | €1.1m | €1.4m | ▲ 19.8% |
| Fixed assets21/28 | €434,307 | €197,287 | €135,665 | €78,708 | €75,351 | ▼ 4.3% |
| Intangible fixed assets21 | €424 | €339 | €254 | €169 | €85 | ▼ 50.1% |
| Tangible fixed assets22/27 | €433,768 | €196,833 | €135,296 | €78,423 | €75,266 | ▼ 4.0% |
| Land and buildings22 | €218,163 | - | - | - | - | - |
| Plant, machinery and equipment23 | €12,681 | €21,225 | €15,830 | €8,445 | €46,050 | ▲ 445% |
| Furniture and vehicles24 | €92,677 | €92,820 | €62,292 | €36,862 | €19,325 | ▼ 47.6% |
| Other tangible fixed assets26 | €110,246 | €82,788 | €57,174 | €33,116 | €9,892 | ▼ 70.1% |
| Financial fixed assets28 | €115 | €115 | €115 | €115 | - | - |
| Current assets29/58 | €2.0m | €1.4m | €1.2m | €1.1m | €1.3m | ▲ 21.6% |
| Stocks and contracts in progress3 | €386,255 | €276,005 | €278,538 | €227,853 | €260,229 | ▲ 14.2% |
| Stocks30/36 | €386,255 | €276,005 | €278,538 | €227,853 | €260,229 | ▲ 14.2% |
| Amounts receivable within one year40/41 | €647,254 | €763,612 | €594,134 | €383,463 | €483,666 | ▲ 26.1% |
| Trade receivables40 | €646,109 | €758,351 | €587,851 | €369,390 | €471,041 | ▲ 27.5% |
| Other amounts receivable41 | €1,144 | €5,262 | €6,283 | €14,073 | €12,624 | ▼ 10.3% |
| Current investments50/53 | - | - | €200,000 | €250,000 | €335,000 | ▲ 34.0% |
| Cash at bank and in hand54/58 | €920,802 | €306,852 | €77,943 | €167,073 | €172,027 | ▲ 3.0% |
| Deferred charges and accrued income490/1 | €28,837 | €17,635 | €26,136 | €27,176 | €32,407 | ▲ 19.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €2.4m | €1.6m | €1.3m | €1.1m | €1.4m | ▲ 19.8% |
| Equity10/15 | €752,042 | €198,742 | €145,559 | €156,146 | €157,180 | ▲ 0.7% |
| Contributions10/11 | €50,000 | €100,000 | €100,000 | €100,000 | €100,000 | = |
| Reserves13 | €688,055 | €10,000 | €10,000 | €10,000 | €10,000 | = |
| Non-distributable reserves130/1 | €5,000 | €10,000 | €10,000 | €10,000 | €10,000 | = |
| Reserves not available under the articles1311 | €5,000 | €10,000 | €10,000 | €10,000 | €10,000 | = |
| Tax-exempt reserves132 | €1,055 | - | - | - | - | - |
| Distributable reserves133 | €682,000 | - | - | - | - | - |
| Profit (loss) carried forward14 | €13,987 | €88,742 | €35,559 | €46,146 | €47,180 | ▲ 2.2% |
| Amounts payable17/49 | €1.7m | €1.4m | €1.2m | €978,126 | €1.2m | ▲ 22.8% |
| Amounts payable after more than one year17 | €81,310 | - | - | - | - | - |
| Financial debts170/4 | €81,310 | - | - | - | - | - |
| Amounts payable within one year42/48 | €1.6m | €1.4m | €1.2m | €974,459 | €1.2m | ▲ 22.9% |
| Current portion of amounts payable after more than one year42 | €49,477 | - | - | - | - | - |
| Trade debts44 | €205,233 | €288,115 | €138,831 | €149,825 | €150,329 | ▲ 0.3% |
| Suppliers440/4 | €205,233 | €288,115 | €138,831 | €149,825 | €150,329 | ▲ 0.3% |
| Advances received on contracts in progress46 | €1.1m | €712,271 | €771,858 | €648,709 | €824,011 | ▲ 27.0% |
| Taxes, remuneration and social security45 | €176,832 | €132,263 | €69,079 | €74,953 | €72,918 | ▼ 2.7% |
| Taxes450/3 | €92,818 | €86,290 | €10,045 | €9,611 | €16,408 | ▲ 70.7% |
| Remuneration and social security454/9 | €84,014 | €45,973 | €59,035 | €65,342 | €56,510 | ▼ 13.5% |
| Other amounts payable47/48 | €87,553 | €230,000 | €180,340 | €100,973 | €150,760 | ▲ 49.3% |
| Accrued charges and deferred income492/3 | €207 | - | €6,749 | €3,667 | €3,483 | ▼ 5.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €403,472 | €157,755 | €76,817 | €110,587 | €151,034 | ▲ 36.6% |
| + Depreciation and write-downs630 | €68,173 | €71,162 | €62,000 | €58,679 | €52,562 | ▼ 10.4% |
| Operating cash flow (approximation) | €471,645 | €228,916 | €138,816 | €169,267 | €203,596 | ▲ 20.3% |
| Investment in fixed assets (approximation) | - | €165,858 | -€377 | -€1,722 | -€49,206 | ▼ 2,757% |
| Change in cash | - | -€613,949 | -€228,910 | €89,130 | €4,954 | ▼ 94.4% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Equity above €150,000Eq €156,146 ▲7.3%
6 profitable years in a row build equity to €156,146.
22-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 22 days late
2023
09-10
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 70 days late
2022
24-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Highest result since 2018net €403,472 ▲172%
Operating result €458,978, net result €403,472, both a record.
31-12
Financial
Equity above €500,000Eq €752,042 ▲116%
3 profitable years in a row build equity to €752,042.
12-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
01-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 32 days late
2019
31-12
Financial
Back to profitnet €31,301
Net result €31,301 after one loss-making year.
31-12
Financial
Equity above €200,000Eq €200,268 ▲18.5%
Equity rises from €168,968 to €200,268.
Show earlier events
01-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 1 day late
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 28 days late
2017
25-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 25 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Marche-en-Famenne · 1 establishment unit since 2012
Ground area
3,188 m²
Building footprint
2,074 m²
Parcel 83034A0877/00H002, Wallonia. Linked by address, not a title deed.
1 establishment unit
IXINA MARCHE
since 20122.209.625.950
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 83034A0877/00H002 | Wallonia | 3,188 m² | 1 · 2,074 m² | - |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Legal Entity Identifier
2549003C4DBWEVCA2497
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Of 2,606 companies in sector 47551 we hold annual accounts for 1,718. 1,350 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded24-05-2012
Fiscal year end31-12
Activities, NACEBEL 2025
47551Retail sale of household furniture
46431Wholesale of electrical household appliances and audio-video equipment
Contact
E-mail
srljmba@gmail.com
E-mail
info@ixinamarche.beMarche-en-Famenne
Phone
084/22 22 32Marche-en-Famenne
Fax
084/22 22 52Marche-en-Famenne
E-invoicing
Reachable via Peppol
Peppol ID
0208:0846129119
Also
9925:BE0846129119
Registered
29-12-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.