JORGE PINTO CONSTRUCT
ActiveJORGE PINTO CONSTRUCT has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €52k and a net result of €7k. Equity is growing by ~22.6% per year across the filed fiscal years. Its solvency ranks better than 66% of 7684 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
100
/ 100
Excellent▲ +19 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability64▼-4
Solvency98▲+34
Growth52=
Stability100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 2.13 against 1.35 in 2024), and 42.5% 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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
57.5%
Return on assets
7.4%
Age of the figures
8 mo
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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 08-07-2026, 23 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
23 d early
2024
16 d early
2023
9 d early
2022
18 d early
2021
26 d late
2020
78 d late
2019
42 d early
← before the deadline
after the deadline →
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
13-09-2026 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
€7k▲ 8.4%
2024 · €6k
2019: €24k
2020: €-8k
2021: €8k
2022: €1k
2023: €15k
2024: €6k
2019 → 2025
Working capital
€42k▲ 52.0%
2024 · €27k
2019: €24k
2020: €3k
2021: €12k
2022: €15k
2023: €27k
2024: €27k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€23k-€24k▲ 5.6%€39k▲ 62.9%€45k▲ 15.8%€52k▲ 14.8%
Operating result€14k-€4k▼ 73.4%€21k▲ 489%€12k▼ 43.7%€11k▼ 11.4%
Net result€8k-€1k▼ 84.8%€15k▲ 1,089%€6k▼ 59.0%€7k▲ 8.4%
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 11% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €91k
Fixed assets
€12k▼ 35.8%
Current assets
€79k▼ 26.2%
Equity and liabilities €91k
Equity
€52k▲ 14.8%
Debt
€38k▼ 51.8%
The debt ratio falls from 63.7% to 42.5%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€17k▼
2024 · €19k
Cash flow
€13k▲
2024 · €13k
Solvency
57.5%▲
2024 · 36.3%
Current ratio
2.13▲
2024 · 1.35
Quick ratio
2.13▲
2024 · 1.35
Debt / equity
0.74▼
2024 · 1.76
ROE
12.9%▼
2024 · 13.7%
ROA
7.4%▲
2024 · 5.0%
Interest coverage
10.36▲
2024 · 6.57
Debt
€38k▼
2024 · €80k
Debt ≤ 1 year
€37k▼
2024 · €79k
Income taxes
€2k▼
2024 · €3k
Staff costs
€-693▼
2024 · €35k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€125k€91k▼
Fixed assets21/28€19k€12k▼
Tangible fixed assets22/27€19k€12k▼
Plant, machinery and equipment23€8k€6k▼
Furniture and vehicles24€10k€6k▼
Current assets29/58€106k€79k▼
Amounts receivable after more than one year29€23k€31k▲
Other amounts receivable291€23k€31k▲
Amounts receivable within one year40/41€70k€18k▼
Trade receivables40€63k€14k▼
Other amounts receivable41€6k€4k▼
Cash at bank and in hand54/58-€29k
Deferred charges and accrued income490/1€14k€424▼
Equity and liabilities
Total equity and liabilities10/49€125k€91k▼
Equity10/15€45k€52k▲
Contributions10/11€6k€6k=
Outside capital11€6k€6k=
Other1109/19€6k€6k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€37k€44k▲
Amounts payable17/49€80k€38k▼
Amounts payable within one year42/48€79k€37k▼
Current portion of amounts payable after more than one year42€4k-
Financial debts43€22k-
Credit institutions430/8€22k-
Trade debts44€31k€15k▼
Suppliers440/4€21k€15k▼
Bills of exchange payable441€9k-
Taxes, remuneration and social security45€12k€12k▲
Taxes450/3€7k€6k▼
Remuneration and social security454/9€4k€5k▲
Other amounts payable47/48€11k€10k▼
Accrued charges and deferred income492/3€675€2k▲
Income statement
Code20242025
Remuneration, social security and pensions62€35k€-693▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€7k▼
Other operating charges640/8€2k€810▼
Non-recurring operating charges66A-€44
Gross operating margin9900€56k€18k▼
Operating profit (loss)9901€12k€11k▼
Financial income75/76B€88€3▼
Recurring financial income75€88€3▼
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€9k€9k▼
Income taxes67/77€3k€2k▼
Profit (loss) for the period9904€6k€7k▲
Profit (loss) for the period to be appropriated9905€6k€7k▲
Appropriation of the result
Profit (loss) to be appropriated9906€37k€44k▲
Profit (loss) brought forward from the previous period14P€31k€37k▲
The notes to these accounts (3 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
08-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
21-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
15-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
22-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
13-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
2021
31-12
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
17-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 78 days late
2020
31-12
Financial
Weakest financial yearnet €-8k ▼135%
Net result drops to €-8k, the lowest in the series; recovery starts the following year.
19-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 director, no change since 2023
MONTEIRO PINTO Tiago
CurrentDirector · since 28-12-2023
28-12-2023
Appointed as Director
Location & real-estate footprint
Registered office, Ottignies-Louvain-la-Neuve · 1 establishment unit since 2018
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.
Belle-Voie 41342 Ottignies-Louvain-la-NeuveGround area
1,551 m²
Building footprint
102 m²
Volume, LiDAR
516 m³
Parcel 25056A0457/00F000, Wallonia · tallest building 6.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JORGE PINTO CONTRUCT
since 20182.279.227.509
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25056A0457/00F000 | Wallonia | 1,551 m² | 1 · 102 m² | 6.9 m · 2 fl. |
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.
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D. & D. PROJECTS
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GAMMO
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YES HOUSE
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Of 15,434 companies in sector 43990 we hold annual accounts for 7,355. 6,064 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-09-2018
Fiscal year end31-12
Activities, NACEBEL
43990Other specialised construction activities
43999Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.