Financials
- Fiscal year
- 2025
- Total assets
- €78,370
- Profit
- €50,504
- Solvency
- 67.6%
PINTO ET FILS CONSTRUCT
ActiveSummary
The computed 12-month bankruptcy probability of PINTO ET FILS CONSTRUCT is 4.1% (elevated). The 2025 annual accounts show equity of €53,004 and a net result of €50,504. Its solvency ranks better than 76% of 9,039 sector peers (NACE 41, fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Overview
Activity
General construction of residential buildings
NACE 41001
1 site
Size
€78,370total assets 2025
- Equity
- €53,004
- Profit
- €50,504
Turnover not published (abridged schema)
Structure
Accounts filed 61 days late0 of 1 deed read
Why 50- Size: total assets €78,370- Founded in 2024- Sector Construction of residential and non-residential buildings (NACE 41)- Latest accounts 61 days late; 1 of the last 3 lateShow the evidence
Checked score
Score 2025
50
/ 100
Fair
Probability in this band: 1.5% to 4.2%
Financially better than 71% of its sector peers (NACE 41, micro)
Financial strength
Strong
Solvency
93
equity 67.6% of total assets
Liquidity
46
short-term debt 32.4% · cash 8.1%
Profitability
100
return on assets 64.4%
Bankruptcy probability, 12 months
4.1%
Elevated
0%0.5%1.5%4%10%≥ 25%
About 4 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2025: 3.6%lowest value
01-2026: 3.6%● unchanged vs 12-2025lowest value
02-2026: 3.7%▲ +0.1 percentage points vs 01-2026
03-2026: 4.0%▲ +0.3 percentage points vs 02-2026
04-2026: 4.2%▲ +0.2 percentage points vs 03-2026
05-2026: 4.5%▲ +0.3 percentage points vs 04-2026
06-2026: 4.5%● unchanged vs 05-2026
07-2026: 5.0%▲ +0.5 percentage points vs 06-2026highest value
08-2026: 4.9%▼ -0.1 percentage points vs 07-2026
09-2026: 4.7%▼ -0.2 percentage points vs 08-2026
10-2026: 4.1%▼ -0.6 percentage points vs 09-2026
Credit up to €2,500 at 30 days only on tighter terms
Liquidity ample (current ratio 3.05; short-term debt: 32.4% and cash: 8.1% of total assets), and 32.4% of the assets are financed with debt.
How it is calculated
The band follows from the bankruptcy probability, on a scale where 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): better than 77% on solvency, 45% on liquidity and 91% on profitability.
The bankruptcy probability was computed on 06-10-2026 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.
Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
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Signals
Five signals.
+raises risk○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-09-2026, 61 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 · 1 filingDeviation from the deadline
2025
61 days late
← before the deadline
after the deadline →
Checked, nothing found (1)
- Annual accounts filedfiscal year 2025 · micro…
Key points
By topic
Timeline
- Events
- 1
- Since
- 2026
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- General construction of residential buildingsNACE 41001
- Founded
- 25-11-2024
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you trust this company with building work?Contractor check Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark
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