ENTREPRISES JEAN PIGNON
ActiveSummary
ENTREPRISES JEAN PIGNON has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €590k and a net result of €171k. Equity remains stable across the filed fiscal years (±1.2% per year). Its solvency ranks better than 59% of 2179 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
72
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability85▲+64
Solvency71▲+7
Growth52=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity ample (current ratio 1.84 against 1.52 in 2024; short-term debt: 43.5% and cash: 0% of total assets), but 53.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
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
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
46.1%
Return on assets
13.4%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €590k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
25 d late
2024
29 d late
2023
30 d late
2022
29 d late
2021
3 d early
2020
1 d early
2019
25 d late
← before the deadline
after the deadline →
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€171k
2024 · €-20k
2018: €183k
2019: €385k
2020: €50k
2021: €-76k
2022: €-34k
2023: €-38k
2024: €-20k
2018 → 2025
Working capital
€471k▲ 68.8%
2024 · €279k
2018: €-24k
2019: €346k
2020: €367k
2021: €314k
2022: €289k
2023: €274k
2024: €279k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€510k-€477k▼ 6.6%€439k▼ 7.9%€419k▼ 4.6%€590k▲ 40.9%
Operating result€-62k-€-26k▲ 58.7%€-35k▼ 37.0%€-25k▲ 30.1%€179k
Net result€-76k-€-34k▲ 55.6%€-38k▼ 12.3%€-20k▲ 46.6%€171k
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €179k after a loss of €25k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.28M
Fixed assets
€253k ▼ 3.6%
Current assets
€1.03M ▲ 26.9%
Equity and liabilities €1.28M
Equity
€590k ▲ 40.9%
Provisions
€8k ▼ 35.2%
Debt
€683k ▲ 6.5%
Debt's share of the balance-sheet total falls from 59.8% to 53.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€204k▲
2024 · €9k
Cash flow
€197k▲
2024 · €13k
Current ratio
1.84▲
2024 · 1.52
Quick ratio
1.72▲
2024 · 1.32
Debt to equity
1.16▼
2024 · 1.53
ROE
29.0%▲
2024 · -4.8%
ROA
13.4%▲
2024 · -1.9%
Interest coverage
39.47▲
2024 · 0.53
Debt ≤ 1 year
€557k▲
2024 · €531k
Debt > 1 year
€125k▲
2024 · €110k
Income taxes
€28k▲
2024 · €935
Staff costs
€4k▼
2024 · €4k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 59 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.07M€1.28M▲
Fixed assets21/28€262k€253k▼
Tangible fixed assets22/27€138k€129k▼
Land and buildings22€126k€104k▼
Plant, machinery and equipment23-€888
Furniture and vehicles24€13k€24k▲
Financial fixed assets28€124k€124k=
Current assets29/58€810k€1.03M▲
Stocks and contracts in progress3€107k€67k▼
Stocks30/36€3k€3k▼
Contracts in progress37€104k€64k▼
Amounts receivable within one year40/41€701k€954k▲
Trade receivables40€277k€393k▲
Other amounts receivable41€424k€561k▲
Cash at bank and in hand54/58€1k€101▼
Deferred charges and accrued income490/1-€6k
Equity and liabilities
Total equity and liabilities10/49€1.07M€1.28M▲
Equity10/15€419k€590k▲
Contributions10/11€545k€545k=
Capital10€545k€545k=
Issued capital100€545k€545k=
Reserves13€44k€36k▼
Non-distributable reserves130/1€622€622=
Legal reserve130€622€622=
Tax-exempt reserves132€44k€35k▼
Profit (loss) carried forward14€-171k€9k▲
Provisions and deferred taxes16€12k€8k▼
Deferred taxes168€12k€8k▼
Amounts payable17/49€641k€683k▲
Amounts payable after more than one year17€110k€125k▲
Financial debts170/4€110k€125k▲
Amounts payable within one year42/48€531k€557k▲
Current portion of amounts payable after more than one year42€4k€4k▼
Financial debts43€0€2k▲
Credit institutions430/8€0€2k▲
Trade debts44€271k€287k▲
Suppliers440/4€271k€287k▲
Taxes, remuneration and social security45€11k€45k▲
Taxes450/3€11k€44k▲
Remuneration and social security454/9€0€1k▲
Other amounts payable47/48€245k€219k▼
Income statement
Code20242025
Non-recurring operating income76A€2k€3k▲
Remuneration, social security and pensions62€4k€4k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€34k€25k▼
Other operating charges640/8€13k€14k▲
Gross operating margin9900€27k€222k▲
Operating profit (loss)9901€-25k€179k▲
Financial income75/76B€18k€21k▲
Recurring financial income75€18k€21k▲
Financial charges65/66B€17k€5k▼
Recurring financial charges65€17k€5k▼
Profit (loss) for the period before taxes9903€-23k€195k▲
Transfer from deferred taxes780€4k€4k=
Income taxes67/77€935€28k▲
Profit (loss) for the period9904€-20k€171k▲
Transfer from tax-exempt reserves789€8k€8k=
Profit (loss) for the period to be appropriated9905€-12k€180k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-171k€9k▲
Profit (loss) brought forward from the previous period14P€-159k€-171k▼
The notes to these accounts (15 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 25 days late
2025
31-12
Financial
Back to profitnet €171k
Net result €171k after 4 loss-making years.
31-12
Financial
Equity above €500kEq €590k ▲40.9%
Equity rises from €419k to €590k.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 30 days late
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 29 days late
2022
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Weakest financial yearnet €-76k ▼252%
Net result drops to €-76k, the lowest in the series; recovery starts the following year.
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
25-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 25 days late
2019
31-12
Financial
Highest result since 2018net €385k ▲110%
Operating result €395k, net result €385k, both a record.
31-12
Financial
Equity above €500kEq €536k ▲254%
2 profitable years in a row build equity to €536k.
Show earlier events
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 28 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 31 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Vielsalm · 1 establishment unit since 1996
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Rue des Ardoisières 106690 VielsalmGround area
379 m²
Building footprint
401 m²
Parcel 82032E0667/00H000, Wallonia. Linked by address, not a title deed.
1 establishment unit
Rue des Ardoisières 10, 6690 Vielsalm
since 19962.077.543.822
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 82032E0667/00H000 | Wallonia | 379 m² | 1 · 401 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
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
Recognised contractor
24 categoriesENTREPRISES JEAN PIGNON SA42992
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Of 29,797 companies in sector 41001 we hold annual accounts for 16,049. 8,577 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded30-07-1996
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 29 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.