Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Tight liquidity NBB
Cash and receivables cover 17 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
J.M.A. TEX from Vilvoorde, company number BE0442203994, closed financial year 2025 with a result of € 3,237 after tax. For that financial year J.M.A. TEX recorded a gross margin of € 65,028 and equity of € 143,545. Compared with financial year 2024, the result moved from € -3,489 to € 3,237. Profitable, and profit is growing. The buffer is growing. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on July 17, 2026.
€ 143,545
▲ 2% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 3,237
▲ still € 3,489 loss in 2024
Profit after tax over the fiscal year.
€ 6,981
▼ 33% vs 2024
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € 114,795.
People and assets in 2025
0.6
▼ 0.4 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 16,787
▼ 50% vs 2024
Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 15,269
▼ 42% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 211,546
▼ 15% vs 2024
€ 65,270 is repaid this year. At this pace the long-term loan is gone in ≈ 1 years.
€ 74,974
▲ 162% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 6,877
▼ 32% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 64,662 | € 125,762 | € 86,164 | € 65,028 | ▼ 25% |
| Profit after taxes | € 1,198 | € 17,569 | € -3,489 | € 3,237 | ▲ € 6,725 |
| Equity | € 126,228 | € 143,797 | € 140,308 | € 143,545 | ▲ 2% |
| Total debts | € 637,375 | € 488,569 | € 489,489 | € 491,674 | |
| Cash | € 4,437 | € 18,183 | € 10,428 | € 6,981 | ▼ 33% |
| Land & buildings | € 470,157 | € 450,083 | € 430,009 | € 409,935 | ▼ 5% |
| Retained profit | € 97,478 | € 115,047 | € 111,558 | € 114,795 | ▲ 3% |
| Bank debt | € 315,556 | € 272,920 | € 247,436 | € 211,546 | ▼ 15% |
| Balance sheet total | € 763,603 | € 632,366 | € 629,797 | € 635,219 | ▲ 1% |
| Employees (FTE) | 1 | - | 1 | 0.6 | ▼ 0.4 |
Key figures of J.M.A. TEX, fiscal years 2022 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 J.M.A. TEX?
What happened at J.M.A. TEX in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 3,237. Source: NBB ↗
- Muna Keshik became a director. NBB
- New establishment in Machelen (Brab.). KBO
- Jamil Kayed Asfour became a director. NBB
- Start of the company according to the CBE. KBO
In short
From € 1,198 profit in 2022 to € 3,237 profit in 2025.
Paid € 10,611 in corporate taxes since 2022.
Best year ever: 2023, with € 17,569 profit.
On average € 86,200 of value added per employee in 2024.
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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
Behind J.M.A. TEX are Muna Keshik and Jamil Kayed Asfour.
Directors
According to the 2025 annual accounts
Muna Keshik
Director
since 2016
Jamil Kayed Asfour
Director
since 1990
Establishments
Establishment units
Physical locations of this company
Sint-Annalaan 132 box A
1800 Vilvoorde
Peutiesesteenweg 113 box 6
1830 Machelen (Brab.)
Active since 12 August 1992
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0442.203.994
- VAT number
- BE 0442.203.994
- Registered office
- Sint-Annalaan 132 bus A, 1800 Vilvoorde
- Names & denominations
- J.M.A. TEX
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 19 September 1990
- Peppol
- Active · Active since 4 Aug 2026
- Activities · NACE
Groothandel in schoeisel