Equity
-€36,047
Debts exceed assets in financial year 2024.
PRO-JAM+
Lifetime
15 annual accounts with figures on one time axispeak €34,398 (2010)
€31,736▲ 377%
lowest -€23,740 (2023)
€12,049▲ €35,789
peak €1,779 (2011)
-€36,047▲ €12,448
€188,437▲ 16.3%
Board2 names since 2018
1 directorLisarn bv
Owners
Documentsfilings and deeds
12-10-202573 days late
2024micro format
Gross margin from €6,660 to €31,736Back to profit: €12,049Equity from -€48,495 to -€36,047Debts from €162,095 to €188,437Cash from €21,070 to €33,359
Key points
from the 2024 annual accountsChecked score
55
Fair
Financially stronger than 47% of micro companies in real estate (NACE 68)
Probability in this band: 1.5% to 4.2%
Negative equity caps the score at 59.
Bankruptcy probability within 12 months
1.0% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 26,626 companies (NACE 68, micro).
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 1.4%
01-2025: 1.4%● unchanged vs 12-2024
02-2025: 1.3%▼ -0.1 percentage points vs 01-2025
03-2025: 1.3%● unchanged vs 02-2025
04-2025: 1.3%● unchanged vs 03-2025
05-2025: 1.3%● unchanged vs 04-2025
06-2025: 1.2%▼ -0.1 percentage points vs 05-2025
07-2025: 1.2%● unchanged vs 06-2025
08-2025: 1.4%▲ +0.2 percentage points vs 07-2025
09-2025: 1.4%● unchanged vs 08-2025highest value
10-2025: 1.3%▼ -0.1 percentage points vs 09-2025
11-2025: 0.7%▼ -0.6 percentage points vs 10-2025
12-2025: 0.7%● unchanged vs 11-2025
01-2026: 0.7%● unchanged vs 12-2025
02-2026: 0.8%▲ +0.1 percentage points vs 01-2026
03-2026: 0.8%● unchanged vs 02-2026
04-2026: 0.7%▼ -0.1 percentage points vs 03-2026
05-2026: 0.7%● unchanged vs 04-2026
06-2026: 0.7%● unchanged vs 05-2026lowest value
07-2026: 0.7%● unchanged vs 06-2026
08-2026: 0.8%▲ +0.1 percentage points vs 07-2026
09-2026: 0.9%▲ +0.1 percentage points vs 08-2026
10-2026: 1.0%▲ +0.1 percentage points vs 09-2026
11-2026: 1.0%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Capped at 59: negative equity
1 financial year not filed after the legal deadline; last filed accounts filed 73 days late; 2 of the last 3 accounts late
lowers risk
Founded in 2008
Sector: Real estate activities (NACE 68)
Liquidity: current ratio 0.79, cash €33,359
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 68, micro). It does better than 9% of them on solvency, 24% on liquidity, 75% on profitability and 78% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2024.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 3,632 companies had the same profile as PRO-JAM+ has now. Each dot stands for 10 companies, two years later.
91.9%
were still trading
4.8%
stopped another way
2.9%
went bankrupt
Another 0.4% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of PRO-JAM+ itself: 1.0% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 3,632 companies, not a prediction for PRO-JAM+. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
No credit on open account
Liquidity is insufficient, with a current ratio of 0.79 (0.58 in 2023), below 1. Short-term debt is 83% and cash 21.9% of total assets. Equity is negative.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Seven signals.
lowers riskraises risk
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 9% of 19156 sector peers (2024).
NBB · sector comparisonPosition among 19156 sector peers
Solvency
better than 9%
← weakest
strongest →
raises risk · Annual accounts not filed
The financial year that closed on 31-12-2025 was due at the National Bank by 31-07-2026. Nothing is on record, 102 days later.
NBB · 10 filingsPosition against the passed deadline
31-12-2025 year end31-07-2026 deadline10-11-2026 today
raises risk · 2024 accounts filed 73 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 12-10-2025, 73 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filingsDeviation from the deadline
2025
not filed
2024
73 days late
2023
71 days late
2022
23 days early
2021
43 days early
2020
5 days early
2019
24 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 6 accounts on average 8 days after the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% of those companies filed late.
Searched, nothing found (1)
Board and ownership
LB
Lisarn bv
Director
- LISARN 100%score 56equity €254,813 (2024) · 2021 annual accounts of LISARN
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0808272294
Company renamed from JEPETO to PRO-JAM+
“De vennootschap heeft als voorwerp” (deed in Dutch) · General meeting of 29-06-2023 · Gazette deed
Registered office moved within Stabroek
New registered office: Groene-Swaenlaan 14, 2940 Stabroek · Previous registered office: Hoogeind 97, 2940 Stabroek · Resignation: SANI en C.V.Service BVBA (manager) · General meeting of 28-03-2018 · Gazette deed
Incorporation
published on 17-12-2008 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| PRO-JAM+ Stabroek | €152,389 | €31,736 | -23.7% | - |
| LI'HOME Hamois | €155,446 | €35,752 | 25.4% | - |
| DEFRAIGNIMMO Liège | €172,747 | €32,702 | 13.6% | - |
| ATHENA MANAGEMENT Thuin | €170,553 | €28,627 | 25.3% | - |
| WANSART CONSTRUCTION Waimes | €187,566 | €32,290 | 79.6% | - |
| GMG Lille | €172,794 | €27,419 | 31.1% | - |
| Cools en Partners Antwerp | €124,078 | €29,704 | 50.4% | 0 |
These companies have the same main activity as PRO-JAM+: renting and operating of own or leased residential real estate, excluding social housing (NACE 68201). They are comparable in size and age: total assets between €124,000 and €188,000, founded between 2003 and 2012.
Official details
Source: KBO- Status
- Active since 09-12-2008Normal situation
- Activity
- Renting and operating of own or leased residential real estate, excluding social housingNACE 68201and 2 others
- Establishment unit
- 2.175.375.4482940 Stabroek, since 09-12-2008
- Financial year end
- 31 December
- Peppol
- Reachable since 05-03-2025
Insights on PRO-JAM+
PRO-JAM+ files the micro format. That format states no turnover. The gross margin fell from €34,398 in 2010 to €31,736 in 2024.
LISARN holds all the shares.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about PRO-JAM+
- What is the company number of PRO-JAM+?
- The company number of PRO-JAM+ is 0808.272.294. The VAT number is the same number with BE in front: BE 0808.272.294.
- Where is PRO-JAM+ based?
- The registered office is at Groene-Swaenlaan 14, 2940 Stabroek.Company details
- What does PRO-JAM+ do?
- According to the KBO register, the main activity is renting and operating of own or leased residential real estate, excluding social housing (NACE 68201).
- What is the legal form of PRO-JAM+?
- PRO-JAM+ is a private limited company (BV).
- When was PRO-JAM+ founded?
- PRO-JAM+ was founded on 09-12-2008.
- Is PRO-JAM+ still active?
- Yes, PRO-JAM+ is an active enterprise in the KBO register.
- What is the turnover of PRO-JAM+?
- The turnover in financial year 2024 is ≈ €52,000. This figure is estimated from the gross margin of €31,736 and 51 comparable companies (NACE 682). It probably lies between €39,000 and €75,000.Financials
- Is PRO-JAM+ profitable?
- In financial year 2024, PRO-JAM+ made a profit of €12,049.
- Where can I find the annual accounts of PRO-JAM+?
- PRO-JAM+ filed 15 annual accounts with the National Bank of Belgium, the latest for financial year 2024.
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