PENTIMENTI
ActiveSummary
PENTIMENTI has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €104k and a net result of €-291. Equity remains stable across the filed fiscal years (±1.7% per year). Its solvency ranks better than 63% of 2566 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability69▼-16
Solvency78▲+5
Growth32▼-26
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity tight (current ratio 1.05 against 1.31 in 2024; short-term debt: 44.2% and cash: 0.3% of total assets), and 47.5% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 95
Relative position
BE, all sectors
reference
Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles (NACE 95)
about 19% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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
28 d late
2024
140 d late
2023
104 d late
2022
305 d late
2021
31 d late
2020
31 d late
2019
31 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€104k▼ 0.3%
2024 · €105k
2018: €117khighest in 8 years
2019: €109k▼ -7.3% vs 2018
2020: €99k▼ -8.6% vs 2019
2021: €67k▼ -32.7% vs 2020
2022: €65k▼ -2.3% vs 2021lowest in 8 years
2023: €77k▲ +17.4% vs 2022
2024: €105k▲ +36.1% vs 2023
2025: €104k▼ -0.3% vs 2024
2018 → 2025
Total assets
€199k▼ 9.6%
2024 · €220k
2018: €246k
2019: €273k▲ +11.0% vs 2018highest in 8 years
2020: €173k▼ -36.7% vs 2019
2021: €134k▼ -22.7% vs 2020lowest in 8 years
2022: €137k▲ +2.5% vs 2021
2023: €163k▲ +18.9% vs 2022
2024: €220k▲ +34.7% vs 2023
2025: €199k▼ -9.6% vs 2024
2018 → 2025
Net result
€-291
2024 · €28k
2018: €14k
2019: €-9k▼ -162% vs 2018
2020: €-9k▼ -9.2% vs 2019
2021: €-33k▼ -247% vs 2020lowest in 8 years
2022: €-2k▲ +95.3% vs 2021
2023: €11k▲ +849% vs 2022
2024: €28k▲ +144% vs 2023highest in 8 years
2025: €-291▼ -101% vs 2024
2018 → 2025
Working capital
€4k▼ 86.2%
2024 · €32k
2018: €78khighest in 8 years
2019: €64k▼ -17.7% vs 2018
2020: €55k▼ -14.6% vs 2019
2021: €24k▼ -56.3% vs 2020
2022: €27k▲ +12.5% vs 2021
2023: €29k▲ +6.1% vs 2022
2024: €32k▲ +11.3% vs 2023
2025: €4k▼ -86.2% vs 2024lowest in 8 years
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€67k-€65k▼ 2.3%€77k▲ 17.4%€105k▲ 36.1%€104k▼ 0.3%
2021: €67k
2022: €65k▼ -2.3% vs 2021lowest in 5 years
2023: €77k▲ +17.4% vs 2022
2024: €105k▲ +36.1% vs 2023highest in 5 years
2025: €104k▼ -0.3% vs 2024
Operating result€-34k-€-3k▲ 90.9%€12k€30k▲ 160%€-1k
2021: €-34klowest in 5 years
2022: €-3k▲ +90.9% vs 2021
2023: €12k▲ +480% vs 2022
2024: €30k▲ +160% vs 2023highest in 5 years
2025: €-1k▼ -105% vs 2024
Net result€-33k-€-2k▲ 95.3%€11k€28k▲ 144%€-291
2021: €-33klowest in 5 years
2022: €-2k▲ +95.3% vs 2021
2023: €11k▲ +849% vs 2022
2024: €28k▲ +144% vs 2023highest in 5 years
2025: €-291▼ -101% vs 2024
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €1k after €30k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €199k
Fixed assets
€106k ▲ 27.1%
Current assets
€92k ▼ 32.2%
Equity and liabilities €199k
Equity
€104k ▼ 0.3%
Debt
€94k ▼ 18.0%
Debt's share of the balance-sheet total falls from 52.4% to 47.5%. Equity and debt are lower.
Key figures and ratios
EBITDA
€15k▼
2024 · €41k
Cash flow
€16k▼
2024 · €38k
Current ratio
1.05▼
2024 · 1.31
Debt to equity
0.90▼
2024 · 1.10
ROE
-0.3%▼
2024 · 26.5%
ROA
-0.1%▼
2024 · 12.6%
Interest coverage
12.79▼
2024 · 30.83
Debt ≤ 1 year
€88k▼
2024 · €104k
Debt > 1 year
€5k▼
2024 · €9k
Income taxes
€164▼
2024 · €5k
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 · 49 lines
Balance sheet
Code20242025
Assets
Total assets20/58€220k€199k▼
Fixed assets21/28€84k€106k▲
Tangible fixed assets22/27€84k€106k▲
Land and buildings22€61k€91k▲
Plant, machinery and equipment23€52€0▼
Furniture and vehicles24€9k€6k▼
Leasing and similar rights25€14k€10k▼
Current assets29/58€136k€92k▼
Amounts receivable within one year40/41€92k€52k▼
Trade receivables40€13k€20k▲
Other amounts receivable41€79k€31k▼
Cash at bank and in hand54/58€646€608▼
Deferred charges and accrued income490/1€43k€40k▼
Equity and liabilities
Total equity and liabilities10/49€220k€199k▼
Equity10/15€105k€104k▼
Contributions10/11€19k€19k=
Reserves13€86k€86k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€84k€84k▼
Amounts payable17/49€115k€94k▼
Amounts payable after more than one year17€9k€5k▼
Financial debts170/4€9k€5k▼
Amounts payable within one year42/48€104k€88k▼
Current portion of amounts payable after more than one year42€4k€5k▲
Trade debts44€83k€71k▼
Suppliers440/4€83k€71k▼
Taxes, remuneration and social security45€16k€8k▼
Taxes450/3€12k€8k▼
Remuneration and social security454/9€5k€0▼
Other amounts payable47/48-€4k
Accrued charges and deferred income492/3€2k€2k=
Income statement
Code20242025
Non-recurring operating income76A€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€16k▲
Other operating charges640/8€8k€8k▲
Gross operating margin9900€49k€23k▼
Operating profit (loss)9901€30k€-1k▼
Financial income75/76B€4k€3k▼
Recurring financial income75€4k€3k▼
Financial charges65/66B€1k€1k▼
Recurring financial charges65€1k€1k▼
Profit (loss) for the period before taxes9903€33k€-127▼
Income taxes67/77€5k€164▼
Profit (loss) for the period9904€28k€-291▼
Profit (loss) for the period to be appropriated9905€28k€-291▼
Appropriation of the result
Profit (loss) to be appropriated9906€28k€-291▼
Transfer from equity791/2-€291
Transfer to equity691/2€28k€0▼
To other reserves6921€28k€0▼
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | €11k | €0 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €4k | €5k | €6k | €11k | €16k | ▲ 53.7% |
| Other operating charges640/8 | €7k | €7k | €8k | €8k | €8k | ▲ 0.6% |
| Gross operating margin9900 | €-22k | €8k | €26k | €49k | €23k | ▼ 53.3% |
| Operating profit (loss)9901 | €-34k | €-3k | €12k | €30k | €-1k | ▼ 105% |
| Financial income75/76B | €2k | €2k | €2k | €4k | €3k | ▼ 30.3% |
| Recurring financial income75 | €2k | €2k | €2k | €4k | €3k | ▼ 30.3% |
| Financial charges65/66B | €718 | €474 | €983 | €1k | €1k | ▼ 12.7% |
| Recurring financial charges65 | €718 | €474 | €983 | €1k | €1k | ▼ 12.7% |
| Profit (loss) for the period before taxes9903 | €-32k | €-1k | €13k | €33k | €-127 | ▼ 100% |
| Income taxes67/77 | €116 | €120 | €1k | €5k | €164 | ▼ 96.7% |
| Profit (loss) for the period9904 | €-33k | €-2k | €11k | €28k | €-291 | ▼ 101% |
| Profit (loss) for the period to be appropriated9905 | €-33k | €-2k | €11k | €28k | €-291 | ▼ 101% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €134k | €137k | €163k | €220k | €199k | ▼ 9.6% |
| Fixed assets21/28 | €45k | €40k | €61k | €84k | €106k | ▲ 27.1% |
| Tangible fixed assets22/27 | €45k | €40k | €61k | €84k | €106k | ▲ 27.1% |
| Land and buildings22 | €38k | €36k | €35k | €61k | €91k | ▲ 49.2% |
| Plant, machinery and equipment23 | €796 | €548 | €300 | €52 | €0 | ▼ 100% |
| Furniture and vehicles24 | €6k | €3k | €7k | €9k | €6k | ▼ 35.0% |
| Leasing and similar rights25 | - | - | €18k | €14k | €10k | ▼ 29.3% |
| Current assets29/58 | €89k | €97k | €102k | €136k | €92k | ▼ 32.2% |
| Amounts receivable within one year40/41 | €49k | €50k | €62k | €92k | €52k | ▼ 43.9% |
| Trade receivables40 | €11k | €9k | €15k | €13k | €20k | ▲ 53.7% |
| Other amounts receivable41 | €38k | €41k | €47k | €79k | €31k | ▼ 60.4% |
| Cash at bank and in hand54/58 | €12k | €10k | €2k | €646 | €608 | ▼ 5.9% |
| Deferred charges and accrued income490/1 | €28k | €37k | €38k | €43k | €40k | ▼ 7.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €134k | €137k | €163k | €220k | €199k | ▼ 9.6% |
| Equity10/15 | €67k | €65k | €77k | €105k | €104k | ▼ 0.3% |
| Contributions10/11 | €19k | €19k | €19k | €19k | €19k | = |
| Reserves13 | €48k | €47k | €58k | €86k | €86k | ▼ 0.3% |
| Non-distributable reserves130/1 | €2k | €2k | €2k | €2k | €2k | = |
| Reserves not available under the articles1311 | €2k | €2k | €2k | €2k | €2k | = |
| Distributable reserves133 | €47k | €45k | €56k | €84k | €84k | ▼ 0.3% |
| Amounts payable17/49 | €67k | €72k | €86k | €115k | €94k | ▼ 18.0% |
| Amounts payable after more than one year17 | - | - | €11k | €9k | €5k | ▼ 48.9% |
| Financial debts170/4 | - | - | €11k | €9k | €5k | ▼ 48.9% |
| Amounts payable within one year42/48 | €65k | €70k | €73k | €104k | €88k | ▼ 15.5% |
| Current portion of amounts payable after more than one year42 | - | - | €3k | €4k | €5k | ▲ 6.6% |
| Trade debts44 | €63k | €62k | €66k | €83k | €71k | ▼ 14.2% |
| Suppliers440/4 | €63k | €62k | €66k | €83k | €71k | ▼ 14.2% |
| Taxes, remuneration and social security45 | €2k | €8k | €4k | €16k | €8k | ▼ 52.2% |
| Taxes450/3 | €117 | €7k | €4k | €12k | €8k | ▼ 33.9% |
| Remuneration and social security454/9 | €2k | €2k | €0 | €5k | €0 | ▼ 100% |
| Other amounts payable47/48 | - | - | - | - | €4k | - |
| Accrued charges and deferred income492/3 | €2k | €2k | €2k | €2k | €2k | = |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-33k | €-2k | €11k | €28k | €-291 | ▼ 101% |
| + Depreciation and write-downs630 | €4k | €5k | €6k | €11k | €16k | ▲ 53.7% |
| Operating cash flow (approximation) | €-28k | €3k | €18k | €38k | €16k | ▼ 58.1% |
| Investment in fixed assets (approximation) | - | €0 | €-27k | €-33k | €-39k | ▼ 17.0% |
| Change in cash | - | €-1k | €-8k | €-2k | €-38 | ▲ 97.8% |
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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
18-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 140 days late
2024
31-12
Financial
Highest result since 2018net €28k ▲144%
Operating result €30k, net result €28k, both a record.
31-12
Financial
Equity above €100kEq €105k ▲36.1%
2 profitable years in a row build equity to €105k.
12-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 104 days late
31-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 305 days late
2023
31-12
Financial
Back to profitnet €11k
Net result €11k after 4 loss-making years.
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Weakest financial yearnet €-33k
Net result drops to €-33k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 31 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
29-11
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 121 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
3 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, Elsene · 1 establishment unit since 2001
Ground area
650 m²
Building footprint
528 m²
Volume, LiDAR
13,660 m³
Parcel 21447B0309/00A011, Brussels · tallest building 34.1 m, ±9 floors. Linked by address, not a title deed.
11
companies at this address
See who is registered here
1 establishment unit
PENTIMENTI
since 20012.100.214.702
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21447B0309/00A011 | Brussels | 650 m² | 1 · 528 m² | 34.1 m · 9 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.
Similar companies · same sector, comparable size
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Stoffering Sioen
BE 0803.497.124
Menen · Eq €108k
Arnauds Atelier
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Zedelgem · Eq €100k
CORMAN CONCEPTS
BE 0466.428.260
Momignies · Eq €98k
Of 695 companies in sector 95240 we hold annual accounts for 95. 85 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)
Founded13-07-2000
Fiscal year end31-12
Activities, NACEBEL 2025
95240Repair and maintenance of furniture and upholstery
Scores and ratios are computed by Checked and are not a credit decision.