MONTEIRO PINTO CONSTRUCTIONS
ActiveSummary
MONTEIRO PINTO CONSTRUCTIONS has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €430,550 and a net result of €22,463. Equity is growing by ~10.4% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability74▲+71
Solvency100=
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30,000 at 30 days acceptable
Liquidity ample (current ratio 4.42 against 4.21 in 2023; short-term debt: 17.3% and cash: 2.2% of total assets), and 21.4% of the assets are financed with debt.
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Signals
Three 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
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← 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
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 27-06-2026, 34 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
34 d early
2024
33 d early
2023
64 d late
2022
69 d late
2021
31 d late
2020
30 d late
2019
83 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 30 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.
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. Usually files around 31 August (4 of the last 5 filed years within 64 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2024, abbreviated schema
Equity
€430,550▲ 5.5%
2023 · €408,087
Total assets
€547,975▲ 0.5%
2023 · €545,086
Net result
€22,463
2023 · -€69,749
Working capital
€323,648▲ 5.3%
2023 · €307,354
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€202,710▲ 243%€70,689▼ 65.1%€60,869▼ 13.9%-€66,124€26,046
Net result€144,727above the sector's middle half▲ 211%€46,720within the sector's middle half▼ 67.7%€44,942within the sector's middle half▼ 3.8%-€69,749below the sector's middle half€22,463within the sector's middle half
Equity€386,175within the sector's middle half▲ 59.9%€432,894within the sector's middle half▲ 12.1%€477,836within the sector's middle half▲ 10.4%€408,087within the sector's middle half▼ 14.6%€430,550within the sector's middle half▲ 5.5%
Total assets€691,533within the sector's middle half▲ 72.1%€676,057within the sector's middle half▼ 2.2%€642,593within the sector's middle half▼ 4.9%€545,086within the sector's middle half▼ 15.2%€547,975within the sector's middle half▲ 0.5%
Debt€305,359▲ 90.3%€243,163▼ 20.4%€164,757▼ 32.2%€136,998▼ 16.8%€117,425▼ 14.3%
Working capital€294,571within the sector's middle half▲ 104%€334,968within the sector's middle half▲ 13.7%€381,446within the sector's middle half▲ 13.9%€307,354within the sector's middle half▼ 19.4%€323,648within the sector's middle half▲ 5.3%
Solvency55.8%within the sector's middle half▼ 4.2pp64.0%above the sector's middle half▲ 8.2pp74.4%above the sector's middle half▲ 10.3pp74.9%above the sector's middle half▲ 0.5pp78.6%above the sector's middle half▲ 3.7pp
Current ratio2.18within the sector's middle half▼ 0.373.20above the sector's middle half▲ 1.024.88above the sector's middle half▲ 1.684.21above the sector's middle half▼ 0.674.42above the sector's middle half▲ 0.21
Return on assets (ROA)20.9%above the sector's middle half▲ 9.3pp6.9%within the sector's middle half▼ 14.0pp7.0%within the sector's middle half▲ 0.1pp-12.8%below the sector's middle half▼ 19.8pp4.1%within the sector's middle half▲ 16.9pp
Staff (FTE)8.7within the sector's middle half▲ 55.4%10.9above the sector's middle half▲ 25.3%7.4within the sector's middle half▼ 32.1%4.2within the sector's middle half▼ 43.2%2.2within the sector's middle half▼ 47.6%
above
within
below
the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €26,046 after a loss of €66,124 in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €547,975
Fixed assets
€129,724 ▼ 8.6%
Current assets
€418,251 ▲ 3.7%
Equity and liabilities €547,975
Equity
€430,550 ▲ 5.5%
Debt
€117,425 ▼ 14.3%
Debt's share of the balance-sheet total falls from 25.1% to 21.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€47,301▲
2023 · -€45,319
Cash flow
€43,719▲
2023 · -€48,943
Debt to equity
0.27▼
2023 · 0.34
ROE
5.2%▲
2023 · -17.1%
Interest coverage
21.75▲
2023 · -14.64
Debt ≤ 1 year
€94,603▼
2023 · €95,825
Debt > 1 year
€15,284▼
2023 · €41,174
Income taxes
€3,160▲
2023 · €1,911
Staff costs
€47,484▼
2023 · €153,502
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 17,040 companies that looked in July 2024 the way this one looks now, 0.5% went bankrupt within 24 months and 94% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit under 5% of the balance sheet
0.5%
went bankrupt
4.9%
stopped otherwise
94%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.7% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 1.0% |
| 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% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 17,040 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | €12,397 | - | - | - |
| Remuneration, social security and pensions62 | - | €475,709 | €303,532 | €153,502 | €47,484 | ▼ 69.1% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €24,332 | €24,636 | €25,823 | €20,805 | €21,256 | ▲ 2.2% |
| Other operating charges640/8 | - | €8,619 | €9,804 | €3,289 | €3,469 | ▲ 5.4% |
| Gross operating margin9900 | €628,030 | €579,653 | €400,027 | €111,472 | €98,254 | ▼ 11.9% |
| Operating profit (loss)9901 | €202,710 | €70,689 | €60,869 | -€66,124 | €26,046 | ▲ 139% |
| Financial income75/76B | - | €1,302 | €6,439 | €1,381 | €1,752 | ▲ 26.8% |
| Recurring financial income75 | €617 | €1,302 | €6,439 | €1,381 | €1,752 | ▲ 26.8% |
| Financial charges65/66B | - | €7,523 | €4,956 | €3,095 | €2,175 | ▼ 29.7% |
| Recurring financial charges65 | €7,299 | €7,523 | €4,956 | €3,095 | €2,175 | ▼ 29.7% |
| Profit (loss) for the period before taxes9903 | €196,028 | €64,467 | €62,352 | -€67,838 | €25,623 | ▲ 138% |
| Income taxes67/77 | €51,301 | €17,747 | €17,410 | €1,911 | €3,160 | ▲ 65.4% |
| Profit (loss) for the period9904 | €144,727 | €46,720 | €44,942 | -€69,749 | €22,463 | ▲ 132% |
| Profit (loss) for the period to be appropriated9905 | €144,727 | €46,720 | €44,942 | -€69,749 | €22,463 | ▲ 132% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €691,533 | €676,057 | €642,593 | €545,086 | €547,975 | ▲ 0.5% |
| Fixed assets21/28 | €147,138 | €188,534 | €162,712 | €141,906 | €129,724 | ▼ 8.6% |
| Tangible fixed assets22/27 | €147,138 | €188,534 | €162,712 | €141,906 | €129,724 | ▼ 8.6% |
| Land and buildings22 | - | €119,500 | €113,500 | €107,500 | €101,500 | ▼ 5.6% |
| Plant, machinery and equipment23 | - | €330 | - | - | €1,805 | - |
| Furniture and vehicles24 | - | €10,851 | €3,981 | €1,798 | €6,433 | ▲ 258% |
| Leasing and similar rights25 | - | €57,853 | €45,230 | €32,608 | €19,985 | ▼ 38.7% |
| Current assets29/58 | €544,396 | €487,523 | €479,881 | €403,179 | €418,251 | ▲ 3.7% |
| Amounts receivable after more than one year29 | - | €75,889 | €75,889 | €75,889 | €75,889 | = |
| Other amounts receivable291 | - | €75,889 | €75,889 | €75,889 | €75,889 | = |
| Amounts receivable within one year40/41 | €374,270 | €306,983 | €347,119 | €319,456 | €323,652 | ▲ 1.3% |
| Trade receivables40 | - | €287,156 | €285,831 | €283,350 | €258,578 | ▼ 8.7% |
| Other amounts receivable41 | - | €19,828 | €61,288 | €36,106 | €65,074 | ▲ 80.2% |
| Cash at bank and in hand54/58 | €169,525 | €104,074 | €55,211 | €5,694 | €11,994 | ▲ 111% |
| Deferred charges and accrued income490/1 | - | €577 | €1,662 | €2,140 | €6,716 | ▲ 214% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €691,533 | €676,057 | €642,593 | €545,086 | €547,975 | ▲ 0.5% |
| Equity10/15 | €386,175 | €432,894 | €477,836 | €408,087 | €430,550 | ▲ 5.5% |
| Contributions10/11 | - | €18,592 | €18,592 | €18,592 | €18,592 | = |
| Reserves13 | €1,860 | €1,860 | €1,860 | €1,860 | €24,323 | ▲ 1,208% |
| Non-distributable reserves130/1 | - | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Reserves not available under the articles1311 | - | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Distributable reserves133 | - | - | - | - | €22,463 | - |
| Profit (loss) carried forward14 | €365,723 | €412,442 | €457,384 | €387,635 | €387,635 | = |
| Amounts payable17/49 | €305,359 | €243,163 | €164,757 | €136,998 | €117,425 | ▼ 14.3% |
| Amounts payable after more than one year17 | €55,399 | €90,496 | €66,235 | €41,174 | €15,284 | ▼ 62.9% |
| Financial debts170/4 | - | €90,496 | €66,235 | €41,174 | €15,284 | ▼ 62.9% |
| Amounts payable within one year42/48 | €249,824 | €152,555 | €98,435 | €95,825 | €94,603 | ▼ 1.3% |
| Current portion of amounts payable after more than one year42 | - | €24,502 | €25,298 | €25,061 | €26,974 | ▲ 7.6% |
| Trade debts44 | €156,077 | €85,870 | €18,950 | €32,656 | €50,135 | ▲ 53.5% |
| Suppliers440/4 | - | €85,870 | €18,950 | €32,656 | €50,135 | ▲ 53.5% |
| Taxes, remuneration and social security45 | - | €29,943 | €42,295 | €26,377 | €5,765 | ▼ 78.1% |
| Taxes450/3 | - | €27,747 | €35,157 | €19,321 | €3,160 | ▼ 83.6% |
| Remuneration and social security454/9 | - | €2,196 | €7,138 | €7,056 | €2,605 | ▼ 63.1% |
| Other amounts payable47/48 | - | €12,239 | €11,892 | €11,730 | €11,730 | = |
| Accrued charges and deferred income492/3 | - | €112 | €87 | - | €7,537 | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €144,727 | €46,720 | €44,942 | -€69,749 | €22,463 | ▲ 132% |
| + Depreciation and write-downs630 | €24,332 | €24,636 | €25,823 | €20,805 | €21,256 | ▲ 2.2% |
| Operating cash flow (approximation) | €169,059 | €71,356 | €70,764 | -€48,943 | €43,719 | ▲ 189% |
| Investment in fixed assets (approximation) | - | -€66,033 | €0 | €0 | -€9,073 | - |
| Change in cash | - | -€65,452 | -€48,863 | -€49,517 | €6,300 | ▲ 113% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
27-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
28-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Back to profitnet €22,463
Net result €22,463 after one loss-making year.
03-10
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 64 days late
2023
31-12
Financial
Weakest financial yearnet -€69,749
Net result drops to -€69,749, the lowest in the series; recovery starts the following year.
08-10
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 69 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 30 days late
2020
31-12
Financial
Highest result since 2018net €144,727 ▲211%
Operating result €202,710, net result €144,727, both a record.
22-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 83 days late
2019
31-12
Financial
Back to profitnet €46,550
Net result €46,550 after one loss-making year.
31-12
Financial
Equity above €200,000Eq €241,448 ▲23.9%
Equity rises from €194,897 to €241,448.
Show earlier events
29-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
17-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 17 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 6 acts read
About the unread acts
We know of 6 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
6 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, Kortenaken · 1 establishment unit since 1997
Ground area
1,200 m²
Building footprint
235 m²
Volume, LiDAR
1,222 m³
Parcel 24054A0305/00B009, Flanders · tallest building 9.1 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
MONTEIRO PINTO CONSTRUCTIONS
since 19972.080.275.064
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24054A0305/00B009 | Flanders | 1,200 m² | 1 · 235 m² | 9.1 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
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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Of 15,524 companies in sector 43990 we hold annual accounts for 7,429. 4,832 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company (pre-2019)
Founded12-12-1996
Fiscal year end31-12
Abbreviation NL
M.P.C.
Activities, NACEBEL 2025
43310Plastering work
43990Other specialised construction activities
43230Insulation installation
43240Other construction installation
43910Bricklaying and masonry work
81220Other building cleaning and industrial cleaning
E-invoicing
Reachable via Peppol
Peppol ID
0208:0459429216
Also
9925:BE0459429216
Registered
23-11-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.