Equity
Equity fell by 52% in 14 years.
Equity fell by 52% in 14 years.
Green is investment, beige is depreciation. Land and buildings stand 49.2% higher than in 2024.
Ten of the last ten came late. The 2022 accounts came latest: 305 days after the end of the period.
In July 2024, 12,322 companies had the same profile as PENTIMENTI has now. Each dot stands for 31 companies, two years later.
Another 0.5% stopped without a precise date, possibly only after those two years.
The method was tested on the 497,448 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 12,322 companies, not a prediction for PENTIMENTI. 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.
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
| Company | ||||
|---|---|---|---|---|
| PENTIMENTI Ixelles | €198,548 | €22,923 | 52.5% | - |
| Damien WUIDAR Malmedy | €194,105 | €21,909 | 58.4% | - |
| Ateliers Denis Legrand Métier d'Art & Restauration Etterbeek | €354,830 | €20,306 | 39.5% | - |
| Star-Clean & Co Uccle | €159,788 | €17,626 | 92.9% | - |
| GEFRAX Herentals | €150,524 | €32,102 | 45.5% | - |
| SPUITWERKEN FRANKY LABARQUE Zwevegem | €330,646 | €18,978 | 67.3% | - |
| Divanu Dilsen-Stokkem | €184,769 | €73,969 | 73.1% | - |
These companies have the same main activity as PENTIMENTI: repair and maintenance of furniture and upholstery (NACE 95240). They are comparable in size and age: total assets between €151,000 and €355,000, founded between 1989 and 2011.
PENTIMENTI files the micro format. That format states no turnover. The gross margin rose from €9,664 in 2007 to €22,923 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.
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