Porto
ActiveSummary
Porto has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €81,273 and a net result of -€1,177. Equity is growing by ~9.4% per year across the filed fiscal years. Its solvency ranks better than 89% of 7730 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability67▼-14
Solvency100=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6,000 at 30 days acceptable
Liquidity ample (current ratio 6.14 against 7.21 in 2024; short-term debt: 12.2% and cash: 17.6% of total assets), and 17.6% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Construction of residential and non-residential buildings (NACE 41)
about 67% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
82.4%
Return on assets
-1.2%
Age of the figures
15 mo
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
neutral · A punctual record breaks
This company filed 9 consecutive financial years on time. The year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 02-03-2026, 30 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
30 d late
2024
2 d early
2023
5 d early
2022
11 d early
2021
on the day
2020
2 d early
2019
46 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 5 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today. Usually files around 29 January (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-06-2026 close01-10-2026 today31-01-2027 deadline
History
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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Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Turnover
€140,959
EBIT margin
28.3%
Net result
-€1,177
2024 · €11,684
Working capital
€61,954▼ 16.0%
2024 · €73,735
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 41, Construction of residential and non-residential buildings, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover
Operating result€31,594▼ 20.8%€6,653▼ 78.9%€5,420▼ 18.5%€16,687▲ 208%-€1,033
Net result€20,586within the sector's middle half▼ 34.7%€3,551within the sector's middle half▼ 82.7%€3,225within the sector's middle half▼ 9.2%€11,684within the sector's middle half▲ 262%-€1,177below the sector's middle half
EBIT margin
Equity€75,686within the sector's middle half▲ 37.4%€79,237within the sector's middle half▲ 4.7%€82,462within the sector's middle half▲ 4.1%€94,146within the sector's middle half▲ 14.2%€81,273within the sector's middle half▼ 13.7%
Total assets€138,180within the sector's middle half▲ 4.7%€147,435within the sector's middle half▲ 6.7%€108,653within the sector's middle half▼ 26.3%€115,699within the sector's middle half▲ 6.5%€98,610within the sector's middle half▼ 14.8%
Debt€62,494▼ 18.7%€68,198▲ 9.1%€26,191▼ 61.6%€21,553▼ 17.7%€17,338▼ 19.6%
Working capital€59,444within the sector's middle half▲ 72.6%€35,461within the sector's middle half▼ 40.3%€56,052within the sector's middle half▲ 58.1%€73,735within the sector's middle half▲ 31.5%€61,954within the sector's middle half▼ 16.0%
Solvency54.8%within the sector's middle half▲ 13.0pp53.7%within the sector's middle half▼ 1.0pp75.9%above the sector's middle half▲ 22.2pp81.4%above the sector's middle half▲ 5.5pp82.4%above the sector's middle half▲ 1.0pp
Current ratio2.89above the sector's middle half▲ 0.981.88within the sector's middle half▼ 1.015.86above the sector's middle half▲ 3.977.21above the sector's middle half▲ 1.366.14above the sector's middle half▼ 1.07
Return on assets (ROA)14.9%within the sector's middle half▼ 9.0pp2.4%within the sector's middle half▼ 12.5pp3.0%within the sector's middle half▲ 0.6pp10.1%within the sector's middle half▲ 7.1pp-1.2%below the sector's middle half▼ 11.3pp
above
within
below
the middle half (P25 to P75) of NACE 41, Construction of residential and non-residential buildings, each year against the same schema; no band under 30 filings.
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 €1,033 after €16,687 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €98,610
Fixed assets
€24,608 ▼ 18.2%
Current assets
€74,002 ▼ 13.6%
Equity and liabilities €98,610
Equity
€81,273 ▼ 13.7%
Debt
€17,338 ▼ 19.6%
Debt's share of the balance-sheet total falls from 18.6% to 17.6%. Equity and debt are lower.
Key figures and ratios
EBITDA
€5,569▼
2024 · €28,838
Cash flow
€5,425▼
2024 · €23,835
Quick ratio
5.40▼
2024 · 6.89
Debt to equity
0.21▼
2024 · 0.23
ROE
-1.4%▼
2024 · 12.4%
Interest coverage
14.07▼
2024 · 48.94
Debt ≤ 1 year
€12,048▲
2024 · €11,867
Debt > 1 year
€5,289▼
2024 · €9,686
Income taxes
€176▼
2024 · €5,250
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,910 companies that looked in July 2024 the way this one looks now, 1.1% went bankrupt within 24 months and 91% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a small loss
1.1%
went bankrupt
7.9%
stopped otherwise
91%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.0% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,341 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 1.0% |
| 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% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 6,910 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €12,824 | €9,529 | €9,842 | €12,151 | €6,602 | ▼ 45.7% |
| Other operating charges640/8 | - | €1,105 | €1,462 | €666 | €916 | ▲ 37.6% |
| Gross operating margin9900 | €44,826 | €17,287 | €16,723 | €29,503 | €6,485 | ▼ 78.0% |
| Operating profit (loss)9901 | €31,594 | €6,653 | €5,420 | €16,687 | -€1,033 | ▼ 106% |
| Financial income75/76B | - | €296 | €592 | €837 | €427 | ▼ 48.9% |
| Recurring financial income75 | €96 | €296 | €592 | €837 | €427 | ▼ 48.9% |
| Financial charges65/66B | - | €1,860 | €1,417 | €589 | €396 | ▼ 32.8% |
| Recurring financial charges65 | €1,216 | €1,860 | €1,417 | €589 | €396 | ▼ 32.8% |
| Profit (loss) for the period before taxes9903 | €30,475 | €5,089 | €4,595 | €16,935 | -€1,001 | ▼ 106% |
| Income taxes67/77 | €9,889 | €1,538 | €1,370 | €5,250 | €176 | ▼ 96.7% |
| Profit (loss) for the period9904 | €20,586 | €3,551 | €3,225 | €11,684 | -€1,177 | ▼ 110% |
| Profit (loss) for the period to be appropriated9905 | €20,586 | €3,551 | €3,225 | €11,684 | -€1,177 | ▼ 110% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €138,180 | €147,435 | €108,653 | €115,699 | €98,610 | ▼ 14.8% |
| Fixed assets21/28 | €47,230 | €71,753 | €41,060 | €30,097 | €24,608 | ▼ 18.2% |
| Tangible fixed assets22/27 | €47,230 | €71,753 | €41,060 | €30,097 | €24,608 | ▼ 18.2% |
| Land and buildings22 | - | €21,425 | €20,258 | €18,984 | €17,711 | ▼ 6.7% |
| Plant, machinery and equipment23 | - | €2,887 | €4,521 | €3,689 | €2,709 | ▼ 26.6% |
| Furniture and vehicles24 | - | €47,441 | €16,281 | €7,423 | €4,189 | ▼ 43.6% |
| Current assets29/58 | €90,950 | €75,682 | €67,594 | €85,602 | €74,002 | ▼ 13.6% |
| Stocks and contracts in progress3 | €994 | €994 | €994 | €3,800 | €9,000 | ▲ 137% |
| Stocks30/36 | - | €994 | €994 | €3,800 | €9,000 | ▲ 137% |
| Amounts receivable within one year40/41 | €39,907 | €40,443 | €21,265 | €73,001 | €46,720 | ▼ 36.0% |
| Trade receivables40 | - | €40,057 | €5,535 | €59,034 | €46,720 | ▼ 20.9% |
| Other amounts receivable41 | - | €386 | €15,730 | €13,967 | - | - |
| Cash at bank and in hand54/58 | €50,048 | €34,244 | €45,334 | €8,801 | €17,395 | ▲ 97.6% |
| Deferred charges and accrued income490/1 | - | - | - | - | €887 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €138,180 | €147,435 | €108,653 | €115,699 | €98,610 | ▼ 14.8% |
| Equity10/15 | €75,686 | €79,237 | €82,462 | €94,146 | €81,273 | ▼ 13.7% |
| Contributions10/11 | - | €12,450 | €12,450 | €12,450 | €12,450 | = |
| Outside capital11 | - | €12,450 | €12,450 | €12,450 | - | - |
| Share premium1100/10 | - | €12,450 | €12,450 | €12,450 | - | - |
| Reserves13 | €63,236 | €66,787 | €70,012 | €81,696 | €70,000 | ▼ 14.3% |
| Non-distributable reserves130/1 | - | €1,855 | €1,855 | - | - | - |
| Other1319 | - | €1,855 | €1,855 | - | - | - |
| Distributable reserves133 | - | €64,932 | €68,157 | €81,696 | €70,000 | ▼ 14.3% |
| Profit (loss) carried forward14 | - | - | - | - | -€1,177 | - |
| Amounts payable17/49 | €62,494 | €68,198 | €26,191 | €21,553 | €17,338 | ▼ 19.6% |
| Amounts payable after more than one year17 | €30,988 | €22,904 | €14,649 | €9,686 | €5,289 | ▼ 45.4% |
| Financial debts170/4 | - | €22,904 | €14,649 | €9,686 | €5,289 | ▼ 45.4% |
| Amounts payable within one year42/48 | €31,505 | €40,221 | €11,542 | €11,867 | €12,048 | ▲ 1.5% |
| Current portion of amounts payable after more than one year42 | - | €28,724 | €8,255 | €4,963 | €4,397 | ▼ 11.4% |
| Trade debts44 | €1,729 | €9,768 | €1,805 | €1,469 | €6,952 | ▲ 373% |
| Suppliers440/4 | - | €9,768 | €1,805 | €1,469 | €6,952 | ▲ 373% |
| Taxes, remuneration and social security45 | - | €1,729 | €1,482 | €5,435 | €441 | ▼ 91.9% |
| Taxes450/3 | - | €1,729 | €1,482 | €5,435 | €441 | ▼ 91.9% |
| Other amounts payable47/48 | - | - | - | - | €258 | - |
| Accrued charges and deferred income492/3 | - | €5,073 | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €20,586 | €3,551 | €3,225 | €11,684 | -€1,177 | ▼ 110% |
| + Depreciation and write-downs630 | €12,824 | €9,529 | €9,842 | €12,151 | €6,602 | ▼ 45.7% |
| Operating cash flow (approximation) | €33,410 | €13,080 | €13,066 | €23,835 | €5,425 | ▼ 77.2% |
| Investment in fixed assets (approximation) | - | -€34,052 | €20,852 | -€1,189 | -€1,113 | ▲ 6.4% |
| Change in cash | - | -€15,803 | €11,090 | -€36,533 | €8,594 | ▲ 124% |
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
02-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 30 days late
2025
30-06
Financial
Weakest financial yearnet -€1,177
Net result drops to -€1,177, the lowest in the series.
29-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
26-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Liquidity triplescurrent ratio 5.86
Current ratio from 1.88 to 5.86; short-term debt falls from €40,221 to €11,542.
20-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
Financial
Highest result since 2019net €31,520 ▲357%
Operating result €39,897, net result €31,520, both a record.
2019
16-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
17-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
19-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
15-12
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
No directors read yet: 0 of 2 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Ravels
Ground area
179 m²
Parcel 13048A0454/00Y004, Flanders. Linked by address, not a title deed.
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13048A0454/00Y004 | Flanders | 179 m² | - | - |
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.
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Of 29,766 companies in this sector we hold annual accounts for 16,066. 13,208 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company details
Identification
Legal formPrivate limited company
Founded04-03-2015
Fiscal year end30-06
Activities, NACEBEL 2025
41001General construction of residential buildings
E-invoicing
Reachable via Peppol
Peppol ID
0208:0600873230
Also
9925:BE0600873230
Registered
16-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.