Equity
€91,766 ▲ 36.4%
Pantos Construct has made a profit without a break since 2021.
Pantos Construct
Lifetime
8 annual accounts with figures on one time axispeak €46,614 (2025)
€46,614▲ 2.8%
lowest -€10,027 (2020)
€24,504▼ 7.3%
peak €91,766 (2025)
€91,766▲ 36.4%
€38,472▲ 109%
Board3 names since 2017
3 directorsPANTOS Dimitrios and 2 others
Documentsfilings and deeds
26-06-202635 days before the deadline
2025micro format
Equity from €67,262 to €91,766Debts from €18,370 to €38,472Investments €11,358Cash from €58,293 to €76,297
Key points
from the 2025 annual accountsInvestments
€11,358 3.0 × depreciation
Green is investment, beige is depreciation. Land and buildings stand 49.2% higher than in 2024.
Filings
8 annual accounts 1 late
The 2019 accounts came 19 days late. The other seven were filed on time.
Checked score
96
Excellent
Financially stronger than 82% of micro companies in construction of buildings (NACE 41)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 1.5% across 13,458 companies (NACE 41, micro).
About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.3%
01-2025: 0.2%▼ -0.1 percentage points vs 12-2024
02-2025: 0.2%● unchanged vs 01-2025
03-2025: 0.2%● unchanged vs 02-2025
04-2025: 0.2%● unchanged vs 03-2025
05-2025: 0.3%▲ +0.1 percentage points vs 04-2025
06-2025: 0.3%● unchanged vs 05-2025
07-2025: 0.3%● unchanged vs 06-2025highest value
08-2025: 0.2%▼ -0.1 percentage points vs 07-2025
09-2025: 0.2%● unchanged vs 08-2025
10-2025: 0.2%● unchanged vs 09-2025
11-2025: 0.2%● unchanged vs 10-2025
12-2025: 0.2%● unchanged vs 11-2025
01-2026: 0.1%▼ -0.1 percentage points vs 12-2025
02-2026: 0.1%● unchanged vs 01-2026
03-2026: 0.1%● unchanged vs 02-2026lowest value
04-2026: 0.1%● unchanged vs 03-2026
05-2026: 0.1%● unchanged vs 04-2026
06-2026: 0.1%● unchanged vs 05-2026
07-2026: 0.2%▲ +0.1 percentage points vs 06-2026
08-2026: 0.2%● unchanged vs 07-2026
09-2026: 0.3%▲ +0.1 percentage points vs 08-2026
10-2026: 0.1%▼ -0.2 percentage points vs 09-2026
11-2026: 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Sector: Construction of residential and non-residential buildings (NACE 41)
lowers risk
Liquidity: current ratio 5.73, cash €76,297
Equity €91,766 (70.5% of total assets)
Figures for financial year 2025 (filed on 26-06-2026)
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 41, micro). It does better than 80% of them on solvency, 96% on liquidity, 77% on profitability and 74% 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 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% 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, 26,972 companies had the same profile as Pantos Construct has now. Each dot stands for 68 companies, two years later.
94.9%
were still trading
3.4%
stopped another way
1.6%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of Pantos Construct itself is lower: 0.1% within 12 months. It rests on far more data about Pantos Construct than the profile alone.
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 26,972 companies, not a prediction for Pantos 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 €8,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 5.73 (7.35 in 2024), above the usual 1.5. Short-term debt is 14.8% and cash 58.6% of total assets. 29.5% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
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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 31-12-2025 was due by 31-07-2026 and was filed on 26-06-2026, 35 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
35 days early
2024
31 days early
2023
34 days early
2022
34 days early
2021
44 days early
2020
45 days early
2019
19 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 29 days before the deadline. In the sector (NACE 41), the median for financial year 2024 was on the deadline day, and 46% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 27 June (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0685373195
Appointment: PANTOS Natan (director)
General meeting of 30-09-2023 · Gazette deed
Appointment: CHARRAK Zouhair (director)
General meeting of 26-10-2021 · Gazette deed
1 director appointed, 1 resignation, 1 reappointment
Resignation: PANTOS Dimitrios (statutory director) · Reappointment: PANTOS Dimitrios (statutory director) · Appointment: PANTOS Dimitrios (statutory director) · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Pantos Construct Zutendaal | €130,238 | €46,614 | 70.5% | - |
| T.S.E.P. Dour | €132,695 | €45,206 | 31.5% | - |
| NORMON ALGEMENE BOUWWERKEN Izegem | €130,713 | €43,609 | 21.3% | - |
| EM-PORT Schaerbeek | €133,943 | €44,814 | 65.6% | - |
| BAI BUILDING Scherpenheuvel-Zichem | €139,261 | €50,031 | 56.7% | - |
| M.P CONSTRUCT Namur | €121,947 | €41,112 | 33.9% | - |
| SNOEIJS ALGEMENE BOUW- EN ELEKTRICITEITSWERKEN Brecht | €132,834 | €41,136 | 47.4% | - |
These companies have the same main activity as Pantos Construct: general construction of residential buildings (NACE 41001). They are comparable in size and age: total assets between €122,000 and €139,000, founded in 2017.
Official details
Source: KBO- Status
- Active since 27-11-2017Normal situation
- Activity
- General construction of residential buildingsNACE 41001and 8 others
- Establishment unit
- 2.270.207.2023690 Zutendaal, since 27-11-2017
- Financial year end
- 31 December
- Peppol
- Reachable since 27-01-2026
Annual accounts 2025
- ≈ €330,000estimated
- €130,238▲ 52.1%
- ≈ 0.2 FTEestimated
- Filing
- Filed on 26-06-2026, 35 days before the end of the filing period
Insights on Pantos Construct
Pantos Construct files the micro format. That format states no turnover. The gross margin rose from €20,133 in 2018 to €46,614 in 2025.
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 Pantos Construct
- What is the company number of Pantos Construct?
- The company number of Pantos Construct is 0685.373.195. The VAT number is the same number with BE in front: BE 0685.373.195.
- Where is Pantos Construct based?
- The registered office is at Schoverikstraat 17, 3690 Zutendaal.Company details
- What does Pantos Construct do?
- According to the KBO register, the main activity is general construction of residential buildings (NACE 41001).
- What is the legal form of Pantos Construct?
- Pantos Construct is a private limited company (BV).
- When was Pantos Construct founded?
- Pantos Construct was founded on 27-11-2017.
- Is Pantos Construct still active?
- Yes, Pantos Construct is an active enterprise in the KBO register.
- What is the turnover of Pantos Construct?
- The turnover in financial year 2025 is ≈ €330,000. This figure is estimated from the gross margin of €46,614 and 164 comparable companies (NACE 41001). It probably lies between €180,000 and €580,000.Financials
- Is Pantos Construct profitable?
- In financial year 2025, Pantos Construct made a profit of €24,504.
- Where can I find the annual accounts of Pantos Construct?
- Pantos Construct filed 8 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of Pantos Construct due?
- Pantos Construct must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can trust this company with building work.Contractor check Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check See which support similar companies received that this one did not.Subsidies
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