Turnover
≈ €310,000 estimated
The micro format states no turnover.
JS PRO CONSTRUCT
Overview
Lifetime
2 annual accounts with figures on one time axispeak €83,248 (2025)
€83,248▲ 74.0%
peak €40,770 (2025)
€40,770▲ 124%
peak €62,957 (2025)
€62,957▲ 184%
€64,584▲ 240%
Board1 name since 2023
1 directorSAY, Jérôme Jean
Documentsfilings and deeds
16-03-202645 days before the deadline
2025micro format
Gross margin from €47,847 to €83,248Result from €18,187 to €40,770Equity from €22,187 to €62,957Debts from €18,994 to €64,584Cash from €4,253 to €16,407
Key points
from the 2025 annual accountsStaff
2 employees on 30-09-2025
In 2025, 1 person joined and nobody left.
Position in the sector
€40,770
Higher net result than 82% of companies in specialised construction. Sector median €10,189 · 35,107 companies.
Checked score
67
Healthy
Financially stronger than 68% of micro companies in specialised construction (NACE 43)
Probability in this band: 0.55% to 1.5%
Bankruptcy probability within 12 months
1.2% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.7% across 47,701 companies (NACE 43, micro).
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 1.9%
01-2025: 1.9%● unchanged vs 12-2024
02-2025: 1.9%● unchanged vs 01-2025
03-2025: 2.4%▲ +0.5 percentage points vs 02-2025highest value
04-2025: 1.7%▼ -0.7 percentage points vs 03-2025
05-2025: 1.7%● unchanged vs 04-2025
06-2025: 1.8%▲ +0.1 percentage points vs 05-2025
07-2025: 1.8%● unchanged vs 06-2025
08-2025: 1.8%● unchanged vs 07-2025
09-2025: 1.8%● unchanged vs 08-2025
10-2025: 1.8%● unchanged vs 09-2025
11-2025: 1.8%● unchanged vs 10-2025
12-2025: 1.9%▲ +0.1 percentage points vs 11-2025
01-2026: 2.0%▲ +0.1 percentage points vs 12-2025
02-2026: 2.1%▲ +0.1 percentage points vs 01-2026
03-2026: 2.1%● unchanged vs 02-2026
04-2026: 1.4%▼ -0.7 percentage points vs 03-2026
05-2026: 1.4%● unchanged vs 04-2026
06-2026: 1.3%▼ -0.1 percentage points vs 05-2026
07-2026: 1.3%● unchanged vs 06-2026
08-2026: 1.2%▼ -0.1 percentage points vs 07-2026
09-2026: 1.2%● unchanged vs 08-2026
10-2026: 1.2%● unchanged vs 09-2026lowest value
11-2026: 1.2%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
raises risk
Founded in 2023
Size: total assets €127,541
Sector: Specialised construction activities (NACE 43)
lowers risk
Liquidity: current ratio 1.85, cash €16,407
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 43, micro). It does better than 54% of them on solvency, 30% on liquidity, 92% on profitability and 95% on growth.
The bankruptcy probability was computed on 07-11-2026 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 30-09-2025.
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, 39,278 companies had the same profile as JS PRO CONSTRUCT has now. Each dot stands for 99 companies, two years later.
95.8%
were still trading
2.3%
stopped another way
1.8%
went bankrupt
That fits the bankruptcy probability of JS PRO CONSTRUCT itself: 1.2% 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 39,278 companies, not a prediction for JS PRO CONSTRUCT. 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
Credit of up to €4,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 1.85 (1.79 in 2024), above the usual 1.5. Short-term debt is 50.6% and cash 12.9% of total assets. However, 50.6% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 16-03-2026, 45 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
45 days early
2024
38 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 2 accounts on average 42 days before the deadline. In the sector (NACE 43), the median for financial year 2024 was 1 day before the deadline, and 43% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-09-2026 is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsWhere today falls in the filing period
30-09-2026 year end08-11-2026 today30-04-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1002232803
Incorporation
Founding capital of €4,000, 100 shares · Founder: SAY, Jérôme Jean (comparant) · Appointment: SAY, Jérôme Jean (director) · published on 17-11-2023 · Gazette deed
First establishment
Rue Ry de Brabant 91, Manage
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| JS PRO CONSTRUCT Manage | €127,541 | €83,248 | 49.4% | - |
| RENOVAND Aalst | €120,917 | €85,253 | 6.7% | - |
| AYA PRO SRL Ans | €143,275 | €82,573 | 29.1% | - |
| TABECON Izegem | €118,604 | €74,509 | 19.4% | - |
| LION GROUP Zaventem | €111,111 | €76,568 | 31.7% | - |
| CREATIF PLUS Aalst | €115,539 | €97,140 | 67.3% | - |
| JN RENOVATION Sint-Pieters-Leeuw | €121,088 | €86,455 | 84.1% | - |
These companies have the same main activity as JS PRO CONSTRUCT: other building finishing work (NACE 43350). They are comparable in size and age: total assets between €111,000 and €143,000, founded between 2023 and 2024.
Official details
Source: KBO- Status
- Active since 14-11-2023Normal situation
- Activity
- Other building finishing workNACE 43350and 1 other
- Establishment unit
- 2.353.465.5677170 Manage, since 14-11-2023
- Financial year end
- 30 September
- Peppol
- Reachable since 11-09-2025
Annual accounts to 30-09-2025
- €83,248▲ 74.0%
- €40,770▲ 124%
- €62,957▲ 184%
- €127,541▲ 210%
- Employeeson 30-09-2025
- 2▲ 100%
- Filing
- Filed on 16-03-2026, 45 days before the end of the filing period
Insights on JS PRO CONSTRUCT
JS PRO CONSTRUCT has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €62,957 and a net result of €40,770.
Its solvency ranks better than 53% of 35,119 sector peers (NACE 43, financial year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 16-03-2026, 45 days before the deadline€83,248
▲ 74.0%
€51,126
▲ 116%
€40,770
▲ 124%
€54,963
▲ 267%
49.4%
▼ 4.5 percentage points
1.85
▲ 0.06
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €310,000. Estimated: probably between €210,000 and €530,000.
Balance sheet
balance sheet total €127,541 on 30-09-2025What the company ownsHow it is paid for
in euro
in euro
Position in the sector
49.4%
Higher than 53% of 35,119 companies in 2025.
1.85
Higher than 51% of 34,493 companies in 2025.
32.0%
Higher than 88% of 34,694 companies in 2025.
JS PRO CONSTRUCT
Middle half of the sector
80% of the sector
Micro accounts in specialised construction (NACE 43)
Net result: top quarter · Equity: middle half · Balance sheet total: middle half · Working capital: middle half
Staff
€28,978
Staff costs divided by the average number of full-time equivalents.
+1 person
people who joined
people who left
In 2025, 1 person joined and nobody left.
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 |
|---|---|---|---|
| Balance sheet: assets | |||
20/58 |
127,541 | 41,181 | |
21/28 |
8,055 | 7,200 | |
22/27 |
7,975 | 7,120 | |
23 |
6,785 | 5,316 | |
24 |
1,190 | 1,804 | |
28 |
80 | 80 | |
29/58 |
119,485 | 33,981 | |
40/41 |
102,056 | 29,256 | |
40 |
71,035 | 11,983 | |
41 |
31,021 | 17,273 | |
54/58 |
16,407 | 4,253 | |
490/1 |
1,022 | 472 | |
| Balance sheet: equity and liabilities | |||
10/49 |
127,541 | 41,181 | |
10/15 |
62,957 | 22,187 | |
10/11 |
4,000 | 4,000 | |
14 |
58,957 | 18,187 | |
17/49 |
64,584 | 18,994 | |
42/48 |
64,522 | 18,994 | |
44 |
21,392 | 8,250 | |
440/4 |
21,392 | 8,250 | |
46 |
27,723 | - | |
45 |
15,406 | 10,745 | |
450/3 |
11,849 | 5,415 | |
454/9 |
3,558 | 5,330 | |
492/3 |
62 | - | |
| Income statement | |||
9900 |
83,248 | 47,847 | |
62 |
28,978 | 11,865 | |
630 |
2,946 | 4,421 | |
640/8 |
199 | 7,866 | |
9901 |
51,126 | 23,695 | |
75/76B |
1,210 | 283 | |
75 |
1,210 | 283 | |
65/66B |
75 | 402 | |
65 |
75 | 402 | |
9903 |
52,261 | 23,575 | |
67/77 |
11,491 | 5,389 | |
9904 |
40,770 | 18,187 | |
9905 |
40,770 | 18,187 | |
| Appropriation of the result | |||
9906 |
58,957 | 18,187 | |
14P |
18,187 | - | |
| Social balance sheet | |||
9087 |
1 | 1 | |
Hours worked1013 |
900 | 864 | |
| Document | |||
The notes to these accounts have 7 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the filed accounts (PDF).
Source: Annual accounts 2025 (PDF), filed on 16-03-2026.
Filings
each dot is a set of accounts, on the day it reached the National BankKey figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 |
|---|---|---|---|
| 54,071 | 28,116 | ||
| 43,715 | 22,608 | ||
| 3,801 | 11,621 | ||
| 12,154 | - | ||
| 54,963 | 14,987 | ||
| 49.4% | 53.9% | ||
| 1.85 | 1.79 | ||
| 1.03 | 0.86 | ||
| 64.8% | 82.0% | ||
| 32.0% | 44.2% | ||
| over 100 | 69.92 |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Social balance sheet
| Item | 30-09-2025 | 30-09-2024 |
|---|---|---|
| Employees at the balance-sheet date | 2 | 1 |
| full-time | 1 | - |
| part-time | 1 | 1 |
| in full-time equivalents | 1.5 | 0.5 |
| 0.7 | 0.5 | |
| On a permanent contract | 1 | 1 |
| Joined | 1 | 2 |
| Left | 0 | 1 |
Source: social balance sheet in the 2024 to 2025 annual accounts
Investments
fixed assets acquired| Item | 30-09-2025 | 30-09-2024 |
|---|---|---|
| Tangible fixed assets | €3,801 | €11,541 |
| Financial fixed assets | - | €80 |
| €2,946 | €4,421 |
Source: notes to the 2024 to 2025 annual accounts (statement of fixed assets)
Insights on JS PRO CONSTRUCT
The operating result for 2025 is 116% higher than in 2024.
Debt's share of the balance-sheet total rises from 46.1% to 50.6%. Equity and debt are higher.
Board & ownership
Board
1 director, since incorporationDirector (not named in the articles)
since 14-11-2023
term without a fixed end
listed in the 2025 annual accounts, filed on 16-03-2026
- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- Each director alonedeed of 17-11-2023
Mandates through the years
1 name, the dashed line is todaySAY, Jérôme Jean
Director (not named in the articles)
Director (not named in the articles)
Board
Mandates as a list
- SAY, Jérôme Jean
- Director (not named in the articles), from 14-11-2023 to date
Control
Capital
- Contribution
- €4,000
- Shares
- 100
- Contribution per share
- €40
- Equity per share
- €630 in 2025
- Source
- deed of 17-11-2023
Articles of association
deed of 17-11-2023 (in French)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- “Qualité d’administrateur statutaire si nommés dans statuts, assemblée nommant fixe nombre,durée et en pluralité pouvoirs”
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Second Friday of March at 19:00
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one.
- No statutory auditor
Founder
At incorporation
deed of 17-11-2023 ↗
- SAY, Jérôme Jean sole founder · 100% at incorporation
Network & group
No group
JS PRO CONSTRUCT has no parent and no holdings in its annual accounts. SAY, Jérôme Jean is the only director. JS PRO CONSTRUCT shares no director with another company.
Timeline
Timeline
5 events since 2023Filings
Establishments
2023202420252026
Deadline for the 2026 accounts: 30-04-2027
2026
Annual accounts 2025 filed PDFmicro format · 45 days before the deadline
2025
Registered in the Peppol Directory Reachable for e-invoices through 0208:1002232803
Annual accounts 2024 filed PDFmicro format · 38 days before the deadline
2023
IncorporationFounding capital of €4,000, 100 shares · Founder: SAY, Jérôme Jean (comparant) · Appointment: SAY, Jérôme Jean (director) · published on 17-11-20234 points ▸
- Founder, SAY, Jérôme Jean (comparant)
- Founding capital, €4,000, 100 shares
- Registered office clause, rue Ry de Brabant 91, 7170 Manage
- Director appointment, SAY, Jérôme Jean (director (not named in the articles))
- The deed holds 2 more points.
First establishment Rue Ry de Brabant 91, Manage
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
JS PRO CONSTRUCT was incorporated on 14 November 2023 as a private limited company by one natural person, with a starting capital of €4,000.12 Since 2023, SAY, Jérôme Jean has served as director.3 The company has filed 2 sets of annual accounts, the latest for financial year 2025.4
Company details
Identity
- Enterprise number
- 1002.232.803
- VAT number
- BE 1002.232.803
- Peppol ID
- 0208:1002232803
- Other Peppol ID
- 9925:BE1002232803
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 14-11-2023
- Financial year
- ends on 30 September
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Second Friday of March at 19:00deed of 17-11-2023 (in French)
- Peppol
- Reachable since 11-09-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- JS PRO CONSTRUCT in French
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 17-11-2023 (in French)
Activities
NACEBEL 2025VAT activities
43350
Other building finishing work main activity
Social security (RSZ) activities
41001
General construction of residential buildings main activity
Codes under NACEBEL 2008
VAT activities
43390
Specialised construction activities main activity
Social security (RSZ) activities
41201
General construction of buildings main activity
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “L’entreprise générale de bâtiment,éventuellement par coordination de sous-traitance et comprenant ainsi notamment la construction,la…”deed of 17-11-2023 (in French)
3 activities
- L’entreprise générale de bâtiment,éventuellement par coordination de sous-traitance et comprenant ainsi notamment la construction,la fabrication,l'entreprise,l'achat,la vente ou la location de tout ce qui concerne directement ou indirectement le bâtiment
- Le parachèvement de bâtiments,comprenant notamment,la maçonnerie,les couvertures métalliques et non métalliques,la charpenterie,la menuiserie et l’ébénisterie,le plafonnage,le crépissage,la plâtrerie,le carrelage et le cimentage,le rejointoyage et le nettoyage de façades,l’étanchéité
- La tapisserie et la peinture,la pose de revêtements de murs et de sols,la pose de cloisons et de faux plafonds,les installations sanitaires,de chauffage,conditionnement de l'air et la plomberie zinguerie,la fourniture et la pose de cuisines équipées,la quincaillerie et le vitrage avec l'isolation acoustique et thermique,tant en gros qu'au détail,l’ameublement et la décoration de bâtiments,la restauration de monuments et ce qui est relatif aux installations électriques et aux énergies douces
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Rue Ry de Brabant 91 registered office 7170 Manage 41001 General construction of residential buildings | 14-11-2023 | 2.353.465.567 |
Buildings and parcels at the address
- Ground area
- 653 m²
- Buildings
- 66 m²
- Volume, LiDAR
- 359 m³
- Tallest building
- 7.4 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 52004A0015/00N002 | 653 m² | 1 · 66 m² | 7.4 m · 2 |
Invoicing and payment
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 1002.232.803