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PINTECOM

Active
Private limited companyfounded 2025active for 1 yearRue Joseph Saintraint 14, 5000 Namur, BelgiumKBO/BCE: BE 1018.218.403

Financials · financial year 2025, micro format

2025 annual accounts filed 29 days after the deadline Filed on 29 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00503368.

Annual accounts 2025 filed on 29-08-2026 at the NBB

Turnover
≈ €410,000
Estimated: probably between €280,000 and €640,000
Total assets
€177,870
Net result
€128,997
Working capital
€131,997

Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.

Balance-sheet composition
Equity and liabilities €177,870
Equity €131,997
Debt €45,873
Debt's share of the balance-sheet total is 25.8%.
Key figures and ratios
2025 value
Current ratio
3.88
Debt to equity
0.35
ROE
97.7%
ROA
72.5%
Debt ≤ 1 year
€45,873
Income taxes
€36,332
Annual accounts
Filed annual accounts As filed with the NBB · 2025 · 25 lines
Balance sheet Code2025
Assets
Total assets20/58€177,870
Current assets29/58€177,870
Cash at bank and in hand54/58€167,685
Deferred charges and accrued income490/1€10,185
Equity and liabilities
Total equity and liabilities10/49€177,870
Equity10/15€131,997
Contributions10/11€3,000
Profit (loss) carried forward14€128,997
Amounts payable17/49€45,873
Amounts payable within one year42/48€45,873
Trade debts44€1,901
Suppliers440/4€1,901
Taxes, remuneration and social security45€41,487
Taxes450/3€39,317
Remuneration and social security454/9€2,170
Other amounts payable47/48€2,485
Income statement Code2025
Gross operating margin9900€165,598
Operating profit (loss)9901€165,598
Financial charges65/66B€269
Recurring financial charges65€269
Profit (loss) for the period before taxes9903€165,329
Income taxes67/77€36,332
Profit (loss) for the period9904€128,997
Profit (loss) for the period to be appropriated9905€128,997
Appropriation of the result
Profit (loss) to be appropriated9906€128,997

The notes to these accounts have 1 item. You find them in the accounts filed with the NBB.

Source: Annual accounts 2025 at the NBB, filed on 29-08-2026.

Line2025
Gross operating margin9900€165,598
Operating profit (loss)9901€165,598
Financial charges65/66B€269
Recurring financial charges65€269
Profit (loss) for the period before taxes9903€165,329
Income taxes67/77€36,332
Profit (loss) for the period9904€128,997
Profit (loss) for the period to be appropriated9905€128,997
Line2025
Assets
Total assets20/58€177,870
Current assets29/58€177,870
Cash at bank and in hand54/58€167,685
Deferred charges and accrued income490/1€10,185
Equity and liabilities
Total equity and liabilities10/49€177,870
Equity10/15€131,997
Contributions10/11€3,000
Profit (loss) carried forward14€128,997
Amounts payable17/49€45,873
Amounts payable within one year42/48€45,873
Trade debts44€1,901
Suppliers440/4€1,901
Taxes, remuneration and social security45€41,487
Taxes450/3€39,317
Remuneration and social security454/9€2,170
Other amounts payable47/48€2,485
Line2025
Profit (loss) for the period9904€128,997
Operating cash flow (approximation)€128,997

A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.

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Historical observation

In July 2024, 11,279 companies had the same profile as PINTECOM has now. Two years later, 96.6% were still going and 0.7% had gone bankrupt.

  • Micro
  • under 2 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more
96.6% was still going
2.6% stopped otherwise
0.7% went bankrupt

That fits the bankruptcy probability of PINTECOM itself: 0.6% within 12 months.

Test of the method

The method was tested on the 497,446 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.

The companies in ten equal groups, from the lowest to the highest expected share
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 11,279 companies, not a prediction for PINTECOM. 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.

Filings with the National Bank (1)
Financial year Type Filed Reference Document
31-12-2025 micro format 29-08-2026 2026-00503368 PDF

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