Equity
€104,309 from €216,552 in 2011
Equity fell by 52% in 14 years.
PENTIMENTI
Lifetime
19 annual accounts with figures on one time axis, 25 filings since 2001peak €49,088 (2024)
€22,923▼ 53.3%
lowest -€32,518 (2021)
-€291▼ €28,059
peak €216,552 (2011)
€104,309▼ 0.3%
€94,239▼ 18.0%
Board1 name since 2012
1 directorBerbé Cécile
Owners
Documentsfilings and deeds
28-08-202628 days late
2025micro format
Gross margin from €49,088 to €22,923Loss of €291Debts from €114,937 to €94,239Investments €39,064
Key points
from the 2025 annual accountsInvestments
€39,064 2.4 × depreciation
Green is investment, beige is depreciation. Land and buildings stand 49.2% higher than in 2024.
Filings
25 annual accounts since 2001
Ten of the last ten came late. The 2022 accounts came latest: 305 days after the end of the period.
Checked score
63
Healthy
Financially stronger than 39% of micro companies in repair of computers and personal goods (NACE 95)
Probability in this band: 0.55% to 1.5%
Bankruptcy probability within 12 months
1.4% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.5% across 5,138 companies (NACE 95, micro).
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 1.2%
01-2025: 1.2%● unchanged vs 12-2024
02-2025: 1.2%● unchanged vs 01-2025
03-2025: 1.2%● unchanged vs 02-2025
04-2025: 1.2%● unchanged vs 03-2025
05-2025: 1.1%▼ -0.1 percentage points vs 04-2025
06-2025: 1.1%● unchanged vs 05-2025lowest value
07-2025: 1.3%▲ +0.2 percentage points vs 06-2025
08-2025: 1.7%▲ +0.4 percentage points vs 07-2025
09-2025: 1.9%▲ +0.2 percentage points vs 08-2025
10-2025: 2.4%▲ +0.5 percentage points vs 09-2025
11-2025: 2.5%▲ +0.1 percentage points vs 10-2025
12-2025: 3.3%▲ +0.8 percentage points vs 11-2025highest value
01-2026: 1.9%▼ -1.4 percentage points vs 12-2025
02-2026: 1.9%● unchanged vs 01-2026
03-2026: 1.9%● unchanged vs 02-2026
04-2026: 1.9%● unchanged vs 03-2026
05-2026: 1.9%● unchanged vs 04-2026
06-2026: 1.8%▼ -0.1 percentage points vs 05-2026
07-2026: 1.7%▼ -0.1 percentage points vs 06-2026
08-2026: 2.5%▲ +0.8 percentage points vs 07-2026
09-2026: 1.4%▼ -1.1 percentage points vs 08-2026
10-2026: 1.4%● unchanged vs 09-2026
11-2026: 1.4%● unchanged vs 10-2026
Financial strengthAverage
Score breakdown
raises risk
Last filed accounts filed 28 days late; 2 of the last 3 accounts late
Liquidity: current ratio 1.05, cash €608
Loss of €291 (financial year 2025)
lowers risk
Founded in 2000
Calculation
The band follows from the bankruptcy probability. 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 95, micro). It does better than 63% of them on solvency, 21% on liquidity, 39% on profitability and 32% on growth.
The bankruptcy probability was computed on 08-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 12,322 companies had the same profile as PENTIMENTI has now. Each dot stands for 31 companies, two years later.
90.3%
were still trading
8.6%
stopped another way
0.7%
went bankrupt
Another 0.5% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of PENTIMENTI itself is higher: 1.4% within 12 months. It rests on far more data about PENTIMENTI than the profile alone.
Test of the method
The method was tested on the 497,447 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.
Credit verdict
Credit of up to €6,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.05 (1.31 in 2024), below the usual 1.5. Short-term debt is 44.2% and cash 0.3% of total assets. 47.5% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
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.
Signals
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 28 days late
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. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filingsDeviation from the deadline
2025
28 days late
2024
140 days late
2023
104 days late
2022
305 days late
2021
31 days late
2020
31 days late
2019
31 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 96 days after the deadline. In the sector (NACE 95), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 13 November (4 of the last 5 accounts filed within 77 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
08-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0472378617
First establishment
Berkendaalstraat 132, Ixelles
Incorporation
published on 25-07-2000 · Gazette deed
Comparable companies
same main activity, similar in size and age| 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% | - |
| Divanu Dilsen-Stokkem | €184,769 | €73,969 | 73.1% | - |
| SPUITWERKEN FRANKY LABARQUE Zwevegem | €330,646 | €18,978 | 67.3% | - |
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.
Official details
Source: KBO- Status
- Active since 13-07-2000Normal situation
- Registered office
- 10 active companies are registered at this addressSource: KBO register, as of 8 November 2026.
- Activity
- Repair and maintenance of furniture and upholsteryNACE 95240
- Establishment unit
- 2.100.214.7021050 Ixelles, since 04-04-2001
- Financial year end
- 31 December
- Peppol
- Reachable since 19-01-2026
Insights on PENTIMENTI
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.
Key facts about PENTIMENTI
- What is the company number of PENTIMENTI?
- The company number of PENTIMENTI is 0472.378.617. The VAT number is the same number with BE in front: BE 0472.378.617.
- Where is PENTIMENTI based?
- The registered office is at Berkendaalstraat 132, 1050 Ixelles.Company details
- What does PENTIMENTI do?
- According to the KBO register, the main activity is repair and maintenance of furniture and upholstery (NACE 95240).
- What is the legal form of PENTIMENTI?
- PENTIMENTI is a private limited company (pre-2019) (BVBA).
- When was PENTIMENTI founded?
- PENTIMENTI was founded on 13-07-2000.
- Is PENTIMENTI still active?
- Yes, PENTIMENTI is an active enterprise in the KBO register.
- What is the turnover of PENTIMENTI?
- The turnover in financial year 2025 is ≈ €180,000. This figure is estimated from the gross margin of €22,923 and 119 comparable companies (NACE 95). It probably lies between €73,000 and €370,000. It is a rough estimate.Financials
- Is PENTIMENTI profitable?
- In financial year 2025, PENTIMENTI made a loss of €291.
- Where can I find the annual accounts of PENTIMENTI?
- PENTIMENTI filed 25 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of PENTIMENTI due?
- PENTIMENTI must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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