I. EDITORIAL – TRANSPOSITION OF DIRECTIVE (EU) 2021/2167, WHICH HARMONISES ACCESS TO AND THE PRACTICE OF NON-PERFORMING LOAN MANAGEMENT AND LAYS DOWN REQUIREMENTS FOR CREDIT PURCHASERS
The month of September was characterized, in legislative terms, by the publication of Decree-Law no. 103/2025, of September 11, which transposed Directive (EU) 2021/2167 on credit managers and credit purchasers, and amends Directives 2008/48/EC and 2014/17/EU. For the purposes of this transposition, the regime for the assignment and management of bank credit (RCGCB) and the new regime for the Credit Responsibility Centre (CRC) were approved, and amendments to the following diplomas were also made:
- Decree-Law No. 453/99 of November 5, in its actual version which establishes the regime for the securitisation of credits and regulates the constitution and activity of credit securitisation funds;
- Decree-Law No. 156/2005, of September 15, in its actual version, which establishes the obligation to make a complaints book available to all suppliers of goods or service providers who have contact with the general public;
- Decree-Law No. 133/2009 of June 2, in its actual version, which transposes into national law Directive 2008/48/EC of the European Parliament and of the Council of April 23 on credit agreements for consumers.
- Decree-Law No. 74-A/2017, of June 23, in its actual version, which approves the regime for credit agreements relating to real estate; and
- Decree-Law No. 27/2023, of April 28, in its actual version, which approves the asset management regime (RGA).
Within the scope of case law, we highlight the Supreme Court of Justice’s ruling of September 18, Case no. 1481/19.4T8PVZP1.S1, in which it was decided:
“I. If the definition of the concept of absolute and permanent disability, contained in a specific clause of an insurance contract, was excluded from the contracts in the case files because its meaning was not properly explained to the policyholder, considering that, without this explanation, the policyholder could not expect absolute and permanent disability to be defined in this way, then it cannot be accepted that, in interpreting the other clauses according to the general criteria for interpreting contractual statements, the meaning of the excluded definition be attributed to that expression.
II. The jurisprudential orientation of the Supreme Court of Justice is upheld, according to which, in order to fulfil the concept of absolute and permanent disability not defined in the contract, “disability (...) which, in concrete terms, translates into restrictions which, given the specific efforts, abilities and qualifications of the profession exercised, make it impossible to continue in that profession or another with comparable income". III. The allegation and proof of the existence of ‘an imbalance in the benefits that seriously undermines good faith’ for the purposes of declaring the nullity of contracts under Article 9(2) of the LCCG is the responsibility of the insurer (see Article 342(1) of the CC) and involves the allegation and proof of the amounts in question; without this, it is not possible to determine whether or not there is an imbalance between the benefits that is so significant that it violates the principle of good faith.”.
Finally, in the scope of Miscellaneous, it should be noted that the results of the Global Innovation Index (GII) 2025 were presented by the World Intellectual Property Organisation (WIPO) in Geneva. Portugal remains in 31st place, the same position it held in 2024, but now in a universe of 139 countries analysed, whereas in the previous year the study reported on 133 world economies.
II. LEGISLATION
Ordinance no. 289/2025/1, of September 1: Approves the instructions for completing the monthly remuneration statement ― AT, approved by Ordinance no. 33/2024, of January 31.
https://files.diariodarepublica.pt/1s/2025/09/16700/0000200013.pdf
Ordinance no. 290/2025/1, of September 2: Approves Model Declaration 62 ― Registration Declaration ― Global Minimum Tax Regime (RIMG) and the respective instructions for completion.
https://files.diariodarepublica.pt/1s/2025/09/16800/0000200007.pdf
Ordinance no. 292/2025/1, of September 5: Amends Ordinance no. 150/2004, of February 13.
https://files.diariodarepublica.pt/1s/2025/09/17100/0001700017.pdf
Ordinance no. 303/2025/1, of September 9: Amends Ordinances no. 383/2008, of May 29, and no. 416/2008, of June 11.
https://files.diariodarepublica.pt/1s/2025/09/17300/0001800023.pdf
Ordinance no. 304/2025/1, of September 9: Amendment to Ordinance no. 434/2008, of June 18.
https://files.diariodarepublica.pt/1s/2025/09/17300/0002400025.pdf
Decree-Law no. 103/2025, of September 11: Transposes Directive (EU) 2021/2167, which harmonizes access to and the exercise of non-performing bank credit management and defines the requirements for credit purchasers.
https://files.diariodarepublica.pt/1s/2025/09/17500/0000900056.pdf
Ordinance no. 306/2025/1, of September 11: Makes the first amendment to Ordinance no. 447/81, of June 2.
https://files.diariodarepublica.pt/1s/2025/09/17500/0006300064.pdf
Ordinance no. 313-A/2025/1, of September 15: Establishes rules for supporting winegrowers who deliver grapes for the production of wine for distillation in the 2025-2026 wine-growing season.
https://files.diariodarepublica.pt/1s/2025/09/17701/0000200005.pdf
Declaration of Rectification no. 38/2025/1, of September 22: Rectifies Decree-Law no. 87-A/2025, of July 25, which approves the organisation and functioning of the XXV Constitutional Government.
https://files.diariodarepublica.pt/1s/2025/09/18200/0000200002.pdf
Declaration of Rectification no. 39/2025/1, of September 22: Rectifies Decree-Law no. 89/2025, of August 12, which amends Decree-Law no. 127/2013, of August 30, establishing the legal regime for industrial emissions, completing the transposition of Directive (EU) no. 2010/75/EU on industrial emissions.
https://files.diariodarepublica.pt/1s/2025/09/18200/0000300007.pdf
Decree-Law no. 110/2025, of September 25: Amends Decree-Law no. 96/2021, of November 12, which establishes a regime for the integration of works of art for public enjoyment into public works.
https://files.diariodarepublica.pt/1s/2025/09/18500/0001600017.pdf
III. Public Procurement1
Announcement no. 23103/2025, of September 1: Requalification of Rua Padre Vicente Maria da Rocha - Vagos / Lombomeão (Group of contracting entities: Municipality of Vagos and AdRA) - Municipality of Vagos - €1,900,000.00 (Vortal)
https://files.diariodarepublica.pt/cp_hora/2025/09/167/419479232.pdf
Announcement no. 23117/2025, of September 1: Construction Contract for the Digital Building - 4B on the Gambelas Campus - University of Algarve - €7,260,000.00 (AcinGov)
https://files.diariodarepublica.pt/cp_hora/2025/09/167/419475806.pdf
Announcement no. 23119/2025, of September 1: Construction of Affordable Housing, Buildings E and G - Municipality of Ferreira do Zêzere - €2,143,000.00 (AcinGov)
https://files.diariodarepublica.pt/cp_hora/2025/09/167/419475782.pdf
Announcement no. 23127/2025, of September 1: The purpose of this procedure is to supply computer equipment to CTE Industrial, in accordance with the technical specifications set out in the tender documents. - Sebastião da Gama School Group, Setúbal - €1,154,104.51 (Vortal)
https://files.diariodarepublica.pt/cp_hora/2025/09/167/419475222.pdf
Announcement no. 23182/2025, of September 1: Contract for the Public Affordable Housing Park – VNB – Municipality of Vila Nova da Barquinha – €1,920,000.00 (AcinGov)
https://files.diariodarepublica.pt/cp_hora/2025/09/167/419483371.pdf
Announcement no. 23207/2025, of September 1: Public works contract for the adaptation of a building into a short-stay car park at Rua de Santo António à Estrela, 31 - Empresa Municipal de Mobilidade e Estacionamento de Lisboa, E. M., S.A. - €1,300,000.00 (AcinGov)
https://files.diariodarepublica.pt/cp_hora/2025/09/167/419488248.pdf
Announcement no. 23251/2025, of September 2: Rehabilitation and Restoration of the Chapel of Santo Amaro in Lisbon - ESTAMO - Participações Imobiliárias, SA - €2,500,000.00 (AnoGov)
https://files.diariodarepublica.pt/cp_hora/2025/09/168/419487616.pdf
Announcement no. 23432/2025, of September 3: Renovation of the Rio Maior Health Centre – Municipality of Rio Maior - €4,205,089.46 (Vortal)
https://files.diariodarepublica.pt/cp_hora/2025/09/169/419496923.pdf
Announcement no. 23452/2025, of September 3: Expansion and refurbishment of the EB1 School of São Miguel de Seide - UF of Seide - Municipality of Vila Nova de Famalicão - €1,386,000.00 (AnoGov)
https://files.diariodarepublica.pt/cp_hora/2025/09/169/419499637.pdf
Announcement no. 23469/2025, of September 4: Mixed contract for the construction of an assembly plant with the supply and installation of equipment to design, assemble, and test green hydrogen production systems, including electrolysers up to 250 kW. - HEN, Serviços Energéticos Lda - €5,400,000.00 (AcinGov)
https://files.diariodarepublica.pt/cp_hora/2025/09/170/419501417.pdf
Announcement no. 23473/2025, of September 4: Alteration of a building for the Bom Jesus do Monte Interpretation Centre - Confraria do Bom Jesus do Monte - €1,032,266.73 (AcinGov)
https://files.diariodarepublica.pt/cp_hora/2025/09/170/419501344.pdf
Announcement no. 23577/2025, of September 4: CP/0836/2025 - Concession and Contract for kitchen expansion - Alto Ave Local Health Unit, E.P.E - €3,000,000.00 (Vortal)
https://files.diariodarepublica.pt/cp_hora/2025/09/170/419503231.pdf
Announcement no. 23578/2025, of September 4: CP 39-2025 - Contract - REABIT 1 - Rehabilitation of buildings, infrastructure and equipment at the headquarters of the Instituto Nacional de Saúde Doutor Ricardo Jorge, I.P - Instituto Nacional de Saúde Doutor Ricardo Jorge, IP - €3,030,420.88 (AcinGov)
https://files.diariodarepublica.pt/cp_hora/2025/09/170/419504747.pdf
Announcement no. 23592/2025, of September 5: Renovation and Expansion of Multifamily Housing Building - Municipality of Oliveira de Frades - €1,048,620.64 (AcinGov)
https://files.diariodarepublica.pt/cp_hora/2025/09/171/419493212.pdf
Announcement no. 23633/2025, of September 5: Library of the EB2,3 João de Meira School - Municipality of Guimarães - €2,050,976.86 (AcinGov)
https://files.diariodarepublica.pt/cp_hora/2025/09/171/419505621.pdf
Announcement no. 23649/2025, of September 5: Completion of works on the student accommodation building for higher education students in Avepark – Barco – Municipality of Guimarães – €7,060,948.23 (AcinGov)
https://files.diariodarepublica.pt/cp_hora/2025/09/171/419495335.pdf
Announcement no. 23707/2025, of September 8: Procurement of bus transport services for activities promoted by the Municipality - Municipality of Maia - €2,145,000.00 (AcinGov)
https://files.diariodarepublica.pt/cp_hora/2025/09/172/419501611.pdf
Announcement no. 23720/2025, of September 8: CNI599/OA/2025_Professional Liability Insurance for Lawyers registered with the Bar Association – Bar Association - €2,890,000.00 (Vortal)
https://files.diariodarepublica.pt/cp_hora/2025/09/172/419504171.pdf
Announcement no. 23753/2025, of September 8: Recovery and Restoration of the Parish Church of Santa Marinha de Real - Parish Church Factory of the Parish of Santa Marinha de Real - €1,435,000.00 (Vortal)
https://files.diariodarepublica.pt/cp_hora/2025/09/172/419510181.pdf
Announcement no. 23755/2025, of September 8: Design-Construction of Affordable Housing Buildings in the Municipality of Carregal do Sal (Quinta da Ribeira - Beijós). - Municipality of Carregal do Sal - €1,964,658.00 (AcinGov)
https://files.diariodarepublica.pt/cp_hora/2025/09/172/419503759.pdf
Announcement no. 23757/2025, of September 8: Design-Construction of Affordable Housing Buildings in the Municipality of Carregal do Sal (Collective Housing in Sarzeda). - Municipality of Carregal do Sal - €4,846,174.00 (AcinGov)
https://files.diariodarepublica.pt/cp_hora/2025/09/172/419503742.pdf
Announcement no. 23772/2025, of September 8: Contract for the widening of the Pico da Igreja road - Funchal City Council - €1,143,640.00 (AcinGov)
https://files.diariodarepublica.pt/cp_hora/2025/09/172/419510749.pdf
Announcement no. 23787/2025, of September 8: Construction contract for the RNCCI inpatient unit (UC) with 30 beds and (ULDM) with 30 beds - Project no.: 15665 PRR, with reference 2/2025. - Associação Casa do Povo de Maçãs de Dona Maria - €4,980,000.00 (AcinGov)
https://files.diariodarepublica.pt/cp_hora/2025/09/172/419512336.pdf
Announcement no. 23827/2025, of September 9: Contract for the Adaptation of a Warehouse into a Technology and Innovation Centre (North Building) - BIKINNOV - Bike Value Innovation Centre – Association - €2,485,021.31 (AcinGov)
https://files.diariodarepublica.pt/cp_hora/2025/09/173/419514483.pdf
Announcement no. 23848/2025, of September 9: Refurbishment and expansion of ERPI – Lar Dr. Brito de Matos - Santa Casa da Misericórdia de Resende - €1,400,000.00 (AcinGov)
https://files.diariodarepublica.pt/cp_hora/2025/09/173/419515317.pdf
Announcement no. 23852/2025, of September 9: Contract for the Rehabilitation and Adaptation of the Greenhouse of the Tropical Botanical Garden of the University of Lisbon and Support Facilities - University of Lisbon - €1,598,000.00 (AcinGov)
https://files.diariodarepublica.pt/cp_hora/2025/09/173/419510724.pdf
Announcement no. 23898/2025, of September 9: Execution of the Contract for the ‘Conversion of a Building into a Nursery’ - Lar Maria Droste - €1,300,000.00 (AcinGov)
https://files.diariodarepublica.pt/cp_hora/2025/09/173/419516435.pdf
Announcement no. 23900/2025, of September 9: Contract for the Expansion of the Controlled Cost Housing Complex on Rua das Carvalheiras (South) - CMPH Empresa de Habitação e Manutenção do Município do Porto, E.M. - €3,000,315.00 (AcinGov)
https://files.diariodarepublica.pt/cp_hora/2025/09/173/419516395.pdf
Announcement no. 23938/2025, of September 10: Local Housing Strategy - Construction of 25 Homes - Carrazeda de Ansiães – GROU - Municipality of Carrazeda de Ansiães - €3,627,600.66 (Vortal)
https://files.diariodarepublica.pt/cp_hora/2025/09/174/419518266.pdf
Announcement no. 24076/2025, of September 11: Design-Build Contract for the Integrated Care and Palliative Care Unit of Santa Casa da Misericórdia do Fundão - Santa Casa da Misericórdia do Fundão - €5,450,000.00 (Vortal)
https://files.diariodarepublica.pt/cp_hora/2025/09/175/419524535.pdf
Announcement no. 24160/2025, of September 12: Requalification of Estrada das Pedreiras, which consists of the rehabilitation/repaving of Estrada das Pedreiras. It also consists of the rehabilitation of the water supply network in some sections of the street. – Sesimbra Municipal Council – €2,055,688.60 (Vortal)
https://files.diariodarepublica.pt/cp_hora/2025/09/176/419528537.pdf
Announcement no. 24176/2025, of September 12: Direct Acquisition of Insurance - Health sector - National Communications Authority - €1,900,000.00 (Vortal)
https://files.diariodarepublica.pt/cp_hora/2025/09/176/419518841.pdf
Announcement no. 24228/2025, of September 12: Construction of accommodation for sergeants at BA8-Ovar - State - Ministry of National Defense - Air Force Logistics Command - Infrastructure Directorate - €2,750,000.00 (AcinGov)
https://files.diariodarepublica.pt/cp_hora/2025/09/176/419530707.pdf
Announcement no. 24240/2025, of September 12: Construction contract for Iscte - Transfer and Innovation Centre, in compliance with the Terms of Acceptance for operation LISBOA2030-FEDER-02310700, approved on 25 February 2025 by the Steering Committee of the LISBOA2030 Programme - Lisbon Regional Programme 2021-2027, relating to the granting of financial support from the ERDF-European Regional Development Fund, following Call for Applications No. LISBOA2030-2024-36 - Iscte - Lisbon University Institute - €6,400,000.00 (AcinGov)
https://files.diariodarepublica.pt/cp_hora/2025/09/176/419519173.pdf
Announcement no. 24307/2025, of September 15: Construction contract for new housing development in Bairro da Ponte - Funchal City Council - €5,555,000.00 (AcinGov)
https://files.diariodarepublica.pt/cp_hora/2025/09/177/419529314.pdf
Announcement no. 24313/2025, of September 15: Contract for the renovation of 14 dwellings in Benavente - Municipality of Benavente - €1,015,460.00 (AcinGov)
https://files.diariodarepublica.pt/cp_hora/2025/09/177/419510757.pdf
Announcement no. 24370/2025, of September 15: Contract for the renovation of the second floor of the municipal market to adapt it to the Lamego School of Technology and Management under Notice NORTE2030-2024-37 - Polytechnic Institute of Viseu - €2,945,733.56 (AcinGov)
https://files.diariodarepublica.pt/cp_hora/2025/09/177/419535519.pdf
Announcement no. 24425/2025, of September 16: Contract for the Renovation of the Marmelais Pumping Station (Tomar) - Águas do Vale do Tejo, S. A. - €1,600,000.00 (AcinGov)
https://files.diariodarepublica.pt/cp_hora/2025/09/178/419533437.pdf
Announcement no. 24429/2025, of September 16: (TP 3 - NO 32) - Rehabilitation of retaining wall between Rua Almirante Gago Coutinho and Rua Comandante Sacadura Cabral in Unhos – Construction work - Municipality of Loures - €1,613,000.00 (Vortal)
https://files.diariodarepublica.pt/cp_hora/2025/09/178/419525612.pdf
Announcement no. 24434/2025, of September 16: Construction contract for the Ferreiras cemetery - Phase 1A – Municipality of Albufeira - €1,501,068.07 (Vortal)
https://files.diariodarepublica.pt/cp_hora/2025/09/178/419536442.pdf
Announcement no. 24443/2025, of September 16: Contract for the Redevelopment of Streets in the Municipality of Alenquer, by Lots. - Municipality of Alenquer - €1,407,625.22 (AcinGov)
https://files.diariodarepublica.pt/cp_hora/2025/09/178/419532181.pdf
Announcement no. 24459/2025, of September 16: Redevelopment of the Pópulo Public Space and surrounding roads - Municipality of Braga - €2,604,968.02 (Vortal)
https://files.diariodarepublica.pt/cp_hora/2025/09/178/419537447.pdf
Announcement no. 24502/2025, of September 17: Construction of an Emergency Shelter for Victims of Domestic Violence - Cáritas Arquidiocesana de Braga - €1,276,000.00 (AcinGov)
https://files.diariodarepublica.pt/cp_hora/2025/09/179/419544404.pdf
Announcement no. 24507/2025, of September 17: Transport of children and adults. - Municipality of Porto - €1,387,746.00 (AcinGov)
https://files.diariodarepublica.pt/cp_hora/2025/09/179/419534725.pdf
Announcement no. 24522/2025, of September 17: 1st Right - Housing Access Support Programme - Housing Refurbishment - Construction of 14 Dwellings - Rua Direita (SIGA - 62883) - Municipality of São Pedro do Sul - €1,163,944.95 (AcinGov)
https://files.diariodarepublica.pt/cp_hora/2025/09/179/419544315.pdf
Announcement no. 24538/2025, of September 17: Redevelopment of Pampilhosa Baixa - Phase 1 - Municipality of Mealhada - €1,600,000.00 (AcinGov)
https://files.diariodarepublica.pt/cp_hora/2025/09/179/419541464.pdf
Announcement no. 24589/2025, of September 18: Construction of Municipal Building in Loulé – Municipality of Loulé - €24,000,000.00 (Vortal)
https://files.diariodarepublica.pt/cp_hora/2025/09/180/419533761.pdf
Announcement no. 24625/2025, of September 18: Public works contract for ‘Adaptation of Floor -1 of the Torre do Tombo to Warehouse-Archive’ under the Recovery and Resilience Plan - Directorate-General for Books, Archives and Libraries - €1,250,000.00 (Vortal)
https://files.diariodarepublica.pt/cp_hora/2025/09/180/419548147.pdf
Announcement no. 24724/2025, of September 19: Execution of the Expansion of the Almeirim Farm Supply System - Distribution Pipelines to the Almeirim Industrial Zone - AR - Águas do Ribatejo, EIM, SA - €1,400,000.00 (Vortal)
https://files.diariodarepublica.pt/cp_hora/2025/09/181/419538468.pdf
Announcement no. 24743/2025, of September 19: Contract for the construction of wastewater drainage networks in the parish of Paialvo – Location of Paialvo, in the municipality of Tomar - Tejo Ambiente - Empresa Intermunicipal de Ambiente do Médio Tejo, E. I. M., S. A. - €1,241,771.76 (AcinGov)
https://files.diariodarepublica.pt/cp_hora/2025/09/181/419553963.pdf
Announcement no. 24759/2025, of September 19: Contract for corrective maintenance of EPAL buildings and premises (civil construction area) - EPAL - Empresa Portuguesa das Águas Livres, S. A. - €2,900,000.00 (AcinGov)
https://files.diariodarepublica.pt/cp_hora/2025/09/181/419538743.pdf
Announcement no. 24786/2025, of September 19: Renovation of the Residential Building on Rua Miguel Bombarda – Loulé – Municipality of Loulé – €1,823,070.00 (Vortal)
https://files.diariodarepublica.pt/cp_hora/2025/09/181/419549192.pdf
Announcement no. 24821/2025, of September 19: Contract for the Renovation of the Roofs of the Monastery of S. Bento da Vitória and Other Works - São João National Theatre, E.P.E. - €3,443,798.58 (AcinGov)
https://files.diariodarepublica.pt/cp_hora/2025/09/181/419556506.pdf
Announcement no. 24837/2025, of September 19: PE.22.25.DMOSM_Renovation and expansion of the Bairro Económico Primary School - Municipality of Braga - €4,794,985.92 (Vortal)
https://files.diariodarepublica.pt/cp_hora/2025/09/181/419543976.pdf
Announcement no. 24873/2025, of September 22: Public Works Contract for the Restoration of the Halls and Roofs of the Ajuda National Palace - Lisbon Tourism Association - Visitors and Convention Bureau - €6,150,000.00 (Vortal)
https://files.diariodarepublica.pt/cp_hora/2025/09/182/419551013.pdf
Announcement no. 24932/2025, of September 22: CP 3923/25: Renovation Works P4 Medicine - Portuguese Institute of Oncology of Porto Francisco Gentil, E. P. E. - €1,754,261.78 (Vortal)
https://files.diariodarepublica.pt/cp_hora/2025/09/182/419546502.pdf
Announcement no. 24973/2025, of September 22: Execution of the renovation contract for the ‘STEAM EDUCATION CENTER’ - Polytechnic Institute of Porto - €2,204,000.00 (AcinGov)
https://files.diariodarepublica.pt/cp_hora/2025/09/182/419558823.pdf
Announcement no. 24995/2025, of September 23: Contract for the Expansion of the Headquarters Building of the Intermunicipal Community of the Aveiro Region - Intermunicipal Community of the Aveiro Region - €2,900,000.00 (AcinGov)
https://files.diariodarepublica.pt/cp_hora/2025/09/183/419562565.pdf
Announcement no. 25039/2025, of September 23: Contract for the construction of water drainage networks in the Union of the parishes of Areias and Pias – Lugares de Areias, Cidral and Boucha - Tejo Ambiente - Empresa Intermunicipal de Ambiente do Médio Tejo EIM, S.A. - €1,200,655.20 (AcinGov)
https://files.diariodarepublica.pt/cp_hora/2025/09/183/419561877.pdf
Announcement no. 25045/2025, of September 23: Contract for the Renovation of the Handicrafts and Design Museum Building - Welcome Centre of Évora, European Capital of Culture 2027 - Turismo do Alentejo, E. R. T. - €1,050,000.00 (Vortal)
https://files.diariodarepublica.pt/cp_hora/2025/09/183/419553363.pdf
Announcement no. 25050/2025, of September 23: Contract for the renovation of a residential building located at Rua Antero de Quental 221-225 - Porto Vivo, Sru - Sociedade de Reabilitação Urbana do Porto, E.M., S.A - €1,390,000.00 (AcinGov)
https://files.diariodarepublica.pt/cp_hora/2025/09/183/419565773.pdf
Announcement no. 25073/2025, of September 23: Contract for the renovation of the 2nd floor of the Rainha D. Leonor Long-Term Care Unit - Santa Casa da Misericórdia de Lisboa - €1,600,000.00 (AcinGov)
https://files.diariodarepublica.pt/cp_hora/2025/09/183/419567311.pdf
Announcement no. 25120/2025, of September 24: Refurbishment of primary healthcare facilities – USF, Alto da Maia, in the parish of Águas Santas PRR Project no. 5284 – Municipality of Maia – €1,594,865.00 (AcinGov)
https://files.diariodarepublica.pt/cp_hora/2025/09/184/419569548.pdf
Announcement no. 25137/2025, of September 24: Contract for the Renovation of the Transformation Station and Control Room - Guerreiros Pumping Station - EPAL - Empresa Portuguesa das Águas Livres, S. A. - €2,500,000.00 (AcinGov)
https://files.diariodarepublica.pt/cp_hora/2025/09/184/419564833.pdf
Announcement no. 25142/2025, of September 24: Execution of the contract ‘Expansion of the Monte da Forca Sports Complex’ - Municipality of Vila Real - €1,900,000.00 (Vortal)
https://files.diariodarepublica.pt/cp_hora/2025/09/184/419571231.pdf
Announcement no. 25175/2025, of September 24: Contract - 386/DMMC/DIOA/25 – Urbanisation works for the Bairro Horizonte housing development – Process No. 43/CP/DGES/ND/2025 - Municipality of Lisbon - €2,825,188.68 (AcinGov)
https://files.diariodarepublica.pt/cp_hora/2025/09/184/419573824.pdf
Announcement no. 25191/2025, of September 24: Conservation and Improvement of the Vila do Bispo Health Centre - Municipality of Vila do Bispo - €1,500,000.00 (Vortal)
https://files.diariodarepublica.pt/cp_hora/2025/09/184/419571029.pdf
Announcement no. 25228/2025, of September 25: Frielas Primary School – Construction work – Municipality of Loures – €3,472,823.38 (Vortal)
https://files.diariodarepublica.pt/cp_hora/2025/09/185/419559974.pdf
Announcement no. 25243/2025, of September 25: Renovation of the Aveiro Fair and Exhibition Centre Building - Municipality of Aveiro - €1,057,796.16 (AcinGov)
https://files.diariodarepublica.pt/cp_hora/2025/09/185/419569442.pdf
Announcement no. 25293/2025, of September 25: Contract for the Rehabilitation of the Monte Verde Area, Street between Travessa da Rua do Estrela and Largo da Vila Nova – Municipality of Ribeira Grande - €3,815,997.64 (Vortal)
https://files.diariodarepublica.pt/cp_hora/2025/09/185/419572958.pdf
Announcement no. 25318/2025, of September 25: Contract for the refurbishment of the 1st floor, technical floor and half of the 11th floor (east-south side (Phase II (Side B)) of the CMVM building – Portuguese Securities Market Commission – €1,700,000.00 (Vortal)
https://files.diariodarepublica.pt/cp_hora/2025/09/185/419567474.pdf
Announcement no. 25339/2025, of September 26: Contract for the Renovation of the Marquis of Pombal Mansion to Adapt it to the Facilities of the Atlântida Centre for the Study of the History of Reading - Western Lisbon, SRU - Sociedade de Reabilitação Urbana E. M., S. A. - €7,050,000.00 (AnoGov)
https://files.diariodarepublica.pt/cp_hora/2025/09/186/419566997.pdf
Announcement no. 25555/2025, of September 29: Contract for the Redevelopment of the Algueirão Public Space and Largo 25 de Abril/Largo da Estação, in Mem Martins (CMS), including the Redesign of the Water Supply and Domestic Wastewater Drainage Networks (SMAS) - Municipality of Sintra - €2,652,397.80 (Vortal)
https://files.diariodarepublica.pt/cp_hora/2025/09/187/419581332.pdf
Announcement no. 25597/2025, of September 29: Contract for ‘Conservation and Improvement of the Lagos Health Centre’ - Municipality of Lagos - €1,155,460.00 (Vortal)
https://files.diariodarepublica.pt/cp_hora/2025/09/187/419586177.pdf
Announcement no. 25678/2025, of September 30: Urban Rehabilitation of Azevedo Campanhã - Phase 2 – Contract - Gestão e Obras do Porto, E.M. - €2,431,000.00 (AcinGov)
https://files.diariodarepublica.pt/cp_hora/2025/09/188/419592438.pdf
Announcement no. 25713/2025, of September 30: Building renovation - Directorate-General for Agriculture and Rural Development - €1,590,000.00 (AnoGov)
https://files.diariodarepublica.pt/cp_hora/2025/09/188/419593045.pdf
Announcement no. 25718/2025, of September 30: Procurement of specialised technical advisory services - Municipality of Amadora - €96,038.86 (Vortal)
https://files.diariodarepublica.pt/cp_hora/2025/09/188/419590559.pdf
IV. CASE-LAW
Judgment of the Court (Fourth Chamber) of September 4, Case No. C‑21/24: Preliminary ruling. Article 101 TFEU. Principle of effectiveness. Actions for damages for infringement of the competition law provisions of the Member States and the European Union. Limitation period. Determination of the dies a quo. Knowledge of the information necessary to bring an action for damages. Publication on the website of a national competition authority of its decision finding an infringement of competition rules. Binding effect of a decision of a national competition authority that is not yet final. Suspension or interruption of the limitation period. Stay of proceedings before the court hearing an action for damages. Directive 2014/104/EU. Article 10. Application in time.
Summary:
Article 101 TFEU, read in the light of the principle of effectiveness, and Article 10(2) of Directive 2014/104/EU of the European Parliament and of the Council of 26 November 2014 on certain rules governing actions for damages under national law for infringements of the competition law provisions of the Member States and of the European Union, must be interpreted as meaning that: they preclude national legislation, as interpreted by the competent national courts, under which, for the purposes of determining the point in time from which the limitation period applicable to actions for damages for infringements of competition rules resulting from a decision of the national competition authority declaring an infringement of those rules begins to run, it may be assumed that the person who considers himself to be an injured party became aware of the information necessary to enable him to bring his action for damages before that decision became final.
https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:62024CJ0021
Judgment of the Court (Fifth Chamber) of September 4, Case No. C-249/24: Preliminary ruling. Social policy. Collective redundancies. Directive 98/59/EC. Article 1(1). Scope. Concept of ‘redundancy’. Collective agreement on internal mobility. Redundancies for economic reasons based on refusal to apply that agreement. Termination of the employment contract by the employer for one or more reasons not related to the workers personally. Article 2. Procedures for informing and consulting workers’ representatives.
Summary:
1) Article 1(1) of Council Directive 98/59/EC of July 20, 1998, on the approximation of the laws of Member States concerning collective redundancies, must be interpreted as meaning that: in order to assess whether the termination of employment contracts based on the refusal by workers to apply to their employment contracts the provisions of a collective agreement relating to internal mobility is to be regarded as falling within the concept of ‘redundancies’ within the meaning of point (a) of the first paragraph of that provision, the referring court must examine whether, in the light of that collective agreement and the terms of the employment contract, the workers concerned are obliged to accept the change of geographical location proposed by the employer and, if not, whether that change constitutes a substantial change in an essential element of the employment contract, such that it must be taken into account in calculating the number of redundancies that have occurred. If that condition is not met, the termination of the employment contract following the worker's refusal to accept that change constitutes a termination of that contract on the initiative of the employer for one or more reasons not related to the workers' personal circumstances, within the meaning of the second subparagraph of Article 1(1) second paragraph, of that directive, and must therefore also be taken into account in calculating the number of redundancies that have occurred.
2) Article 2 of Directive 98/59 must be interpreted as meaning that: the information and consultation of workers' representatives that takes place prior to the conclusion of a collective agreement on internal mobility may be regarded as consultation within the meaning of that article, provided that the information obligations laid down in number 3 thereof are complied with.
https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:62024CJ0249
IV.2. Constitutional Court
Judgment of the Constitutional Court no. 833/2025, of September 18, Case no. 350/2025:
“In view of the above, it is hereby decided:
a) Not to judge unconstitutional the provision contained in Article 236(1) of the Insolvency and Corporate Recovery Code, in the sense that the 60-day period for submitting the application for discharge of the remaining liabilities is counted from the date of the declaration of insolvency and not from the date on which it becomes final; and, consequently,
b) To dismiss the appeal.”.
https://www.tribunalconstitucional.pt/tc/acordaos/20250833.html
IV.3. Judicial Courts
Supreme Court of Justice’s ruling of September 18, Case n.º 1481/19.4T8PVZP1.S1: Insurance contract. Life insurance. Disability. Interpretation. Duty to disclose. Duty to provide prior clarification. General contractual clause. Nullity of clause. Exclusion of clause. Burden of proof. Good faith. Appeal.
Summary:
“I. If the definition of the concept of absolute and permanent disability, contained in a specific clause of an insurance contract, was excluded from the contracts in the case files because its meaning was not properly explained to the policyholder, considering that, without this explanation, the policyholder could not expect absolute and permanent disability to be defined in this way, then it cannot be accepted that, in interpreting the other clauses according to the general criteria for interpreting contractual statements, the meaning of the excluded definition be attributed to that expression.
II. The jurisprudential orientation of the Supreme Court of Justice is upheld, according to which, in order to fulfil the concept of absolute and permanent disability not defined in the contract, “disability (...) which, in concrete terms, translates into restrictions which, given the specific efforts, abilities and qualifications of the profession exercised, make it impossible to continue in that profession or another with comparable income". III. The allegation and proof of the existence of ‘an imbalance in the benefits that seriously undermines good faith’ for the purposes of declaring the nullity of contracts under Article 9(2) of the LCCG is the responsibility of the insurer (see Article 342(1) of the CC) and involves the allegation and proof of the amounts in question; without this, it is not possible to determine whether or not there is an imbalance between the benefits that is so significant that it violates the principle of good faith.”.
Supreme Court of Justice’s ruling of September 23, Case n.º 2715/21.0T8OER.L1.S1: Necessary consortium. Procedural legitimacy. Delaying tactic. Dismissal of the case. Renewal of the case.
Summary:
“In the application for recognition of acquisition by adverse possession of immovable property in a situation of co-ownership, in relation to ‘shares’ claimed in plural co-ownership, the nature of the legal relationship in dispute requires, in view of the subjective indivisibility of the substantive effects sought, the intervention in the action of all co-owners (with an ‘interest in contradicting’), in order for the decision to produce its ‘normal useful effect’ and ‘definitively regulate the specific situation of the parties in relation to the request made’, under penalty of illegitimacy, due to the omission of necessary ‘natural’ joinder (and even ‘implicit legal’ joinder, in view of the co-ownership regime as a whole: Articles 1403 et seq. of the Civil Code), of the party or parties involved in the action (Articles 33, 30, 1 and 2, CPC) and dismissal of the case due to the admissibility of the corresponding dilatory exception (Articles 278(1)(d), 576(1) and (2), 577(e), and 578+590(1) of the CPC), without prejudice to the successive application of Articles 261+316 et seq. of the CPC.”.
Judgment of the Lisbon Court of Appeal, of September 16, Case no. 13508/20.2T8SNT-B.L1-1: Insolvency. Centre of main interests. International jurisdiction of the court. De facto administration. Appointment of the insolvency administrator.
Summary:
“I. Since the location of the debtor company's centre of main interests (CMI) is under discussion, by stating in the proven facts that the actual and effective registered office corresponds to the address of the previous statutory registered office, the court is already responding to one of the issues under discussion. Since the determination of the registered office is essential for assessing the international jurisdiction of the court, we will always be faced with a question of law, which cannot be answered in the context of a decision on the facts, but only in a legal forum and based on the facts presented and demonstrated in the case file.
II. In order to assess international jurisdiction for the opening and conduct of insolvency proceedings, it will be relevant and essential to determine the location of the debtor company's CIP, which does not necessarily have to correspond to the location of the registered office. The presumption arising from the provisions of Article 3(1) of Regulation (EU) 2015/848 of the European Parliament and of the Council of 20 May 2015, which establishes such correspondence, may be rebutted provided that it is based on objective elements that can be determined by third parties.
III. This is the case when, although the debtor company has its registered office in Malta, it does not have any assets or staff there, and no significant activity has been found to have been carried out in that country, the existing activity being limited to the renegotiation of the debt (in Portugal) that it had assumed with the insolvency applicant (underlying the conclusion of bank financing agreements with CGD) and the respective form of settlement (sale of assets in Portugal), in addition to the fact that all contacts between the parties took place in our country, at the address of its former registered office or at the registered office of the applicant creditor.
IV. Although third parties are required to be able to foresee or recognise the debtor's CIP, and although the Regulation refers to creditors in general, it is not so much the number of existing creditors that must be taken into account, but essentially the claims in question and their respective amounts, as well as the whole context surrounding them and their significance in this case.
V. A de facto administrator is someone who, without formally holding the position of administrator, in agreement with the person who does hold that position (registered administrator), decides autonomously (not subordinately), acting and exerting a decisive influence on the decisions formally taken by the latter.
VI. The appointment of the insolvency administrator is the responsibility of the judge presiding over the proceedings, who may take into account the proposal made for this purpose by the creditor requesting the proceedings.”.
Judgment of the Lisbon Court of Appeal, of September 25, Case no. 2145/24.2T8PDL-A.L1-2: Bank secrecy. Withdrawal. Inventory. Spouses.
Summary:
“1. In view of the provisions of Article 417(3)(c) of the CPC, the Bank's refusal to provide information relating to the bank account(s) held by the Applicant is legitimate, based on its duty of confidentiality. c) of the CPC, the Bank's refusal to provide information relating to the bank account(s) held by the Applicant is legitimate, based on its duty of confidentiality under Article 78 of the RGICSF, when the Applicant has not given her consent for such information to be provided.
2. In the context of special inventory proceedings with a view to the division of the couple's joint assets, it is necessary to know the amounts that make up such assets, which were deposited in the former spouses' bank accounts on the date of termination of the matrimonial property regime.
3. It is appropriate and proportionate to lift bank secrecy when one of the spouses is unable to obtain information on such amounts, which is necessary to determine the couple's common property subject to division, which is in the public interest in the proper administration of justice.”.
Judgment of the Porto Court of Appeal, of September 11, Case no. 18458/23.8T8PRT.P1: International Purchase and Sale. Applicable law. Rome Regulation. DAP clause - Incoterm.
Summary:
“I - In the absence of agreement between the parties, the United Nations Convention on Contracts for the International Sale of Goods (CISG) applies to the international purchase and sale contract entered into by a buyer domiciled in the United States of America (place of delivery) and a seller domiciled in Portugal (place of manufacture).
II - In determining the law applicable to contractual obligations (Rome I Regulation), the characteristic performance of the contract of sale is that of the seller, as it is non-monetary in nature, constituting the centre of gravity of the contractual transaction and defining the economic and social function of the business. The pecuniary consideration (payment of the price) is not distinctive, as it is common to several typical contracts.
III - The DAP clause - INCOTERM acronym for delivered at place (delivery at the agreed destination) - does not mean that there are no freight costs for the buyer, but only that transport will be provided by the seller - especially when contracting a third-party carrier - with its cost being reflected in the final purchase and sale price, after it can be determined.”.
Judgment of the Porto Court of Appeal, of September 15, Case no. 11463/20.8T8PRT.P1: Medical liability. Patient consent to intervention. Burden of proof. Breach of duty to inform. Obligation to compensate. Liability of the assistant.
Summary:
“I - As a matter of principle, any intervention in the field of health can only be carried out after the patient has given their consent to that effect, the purpose of this requirement being to ensure physical/mental integrity and personal dignity and to safeguard the patient's autonomy or freedom of self-determination with regard to the health care to which they must be subjected.
II - For this consent to be valid and effective, it must be free and informed, requiring the doctor/hospital to provide the patient with adequate information regarding the diagnosis and state of health, the prognosis, the nature, means and ends/scope, secondary consequences and inevitable or possible risks associated with the proposed treatment/intervention in light of what is described in the medical/scientific literature and any alternatives to the proposed treatment/intervention according to that same literature and the risks/secondary consequences associated with them.
III - As consent acts as a cause for exclusion of the unlawfulness of the conduct and adequate information is a prerequisite for its validity, we are dealing with a matter/defence of exception as an impediment (see Article 342(2) of the Civil Code), so the burden of proof of consent and that it was given in an informed manner rests with the defendant, namely the hospital where the specific surgical intervention was performed.
IV - A hospital institution violates its duty to inform if it does not detail to the patient the serious and grave risks associated with this surgical procedure, even if they are rare, particularly when it is proven that, had the patient been informed of them, he or she would not have undergone this medical procedure.
V - In view of the recognition of a breach of the duty to inform, which led to invalid consent and unlawful injury to physical integrity and freedom, there is an obligation to compensate the patient for the pecuniary and non-pecuniary damage suffered.
VI - Article 800 of the Civil Code does not allow for any liability other than that of the debtor, i.e. the person obliged to the creditor, and the assistant who has used the specific duty in question, insofar as he is not bound to fulfil any obligation to the respective active subject, cannot be held liable by way of obligation.”.
IV.4. Administrative and Tax Courts
Judgment of the Supreme Administrative Court, of September 25, Case no. 0627/23.2BEVIS: Exceptional appeal. Preliminary assessment. Appeal admitted. Wind energy. Taxable value. Wind turbines.
Summary:
“I - It is the case law of this Supreme Court that wind farms are buildings, under the terms and for the purposes of Article 2 of the CIMI, and that their various constituent elements and component parts cannot be registered independently in the land registers, since they do not fulfil the economic element of the concept of a taxable building.
II - However, this Supreme Court has not yet ruled on the issue (which is not to be confused with the above) raised in these proceedings, namely whether, in the valuation for the purposes of setting the VPT of the wind farm - which is to be carried out under the terms of Article 46(2), applicable ex vi of Article 38(3), both of the CIMI, since it was classified as a ‘building for industrial purposes’ – the wind turbine tower (an element that forms part of the wind turbine) may or may not be included in the valuation, especially when other components of the wind turbine, such as the blades, nacelle and rotor, were excluded from the valuation.
III - In view of the legal relevance of the issue (given the difficulties raised by the valuation of buildings in the ‘industrial’ category, namely regarding the elements that constitute it and the distinction between real estate and equipment, as clearly shown in the case file) and the potential for the controversy to spread (given the proliferation of ‘wind farms’), the review should be admitted with regard to the question of whether, for the purposes of valuing the wind farm, the AT may take into account the wind turbine towers.”.
V. BRIEFS
V.1. DOCTRINE
V.1.1. Monographs and Periodicals
Ana Raquel Gonçalves Moniz, Lições de Direito Administrativo - Vol. I, Almedina, September 2025.
António Barreto Menezes Cordeiro, A Responsabilidade Civil no RGPD - Tutela Individual e Tutela Coletiva, Almedina, September 2025.
Artur Flamínio da Silva, Comentário ao Código do Procedimento Administrativo, Almedina, September 2025.
Francisco Serra Loureiro, Direito Imobiliário - Legislação Conexa, Almedina, September 2025.
João Ricardo Catarino, Paula Rosado Pereira, Fiscalidade - Teoria Fiscal e Tributação Interna, Almedina, September 2025.
Ricardo Pedro, Responsabilidade(s) Jurídico-Públicas, Almedina, September 2025.
V.1.2. Generic Guidelines & Cia
Circular no. 6/2025, of September 1, by Order of the Director-General of the Personal Income Tax Services Directorate
Subject: Deduction at Tax Source on Income from Employment and Pensions. Autonomous Region of the Azores.
Circular Letter no. 20282, of September 9, by Order of the Sub-Director-General of the Income Tax Area
Subject: Changes to the instructions for completing the monthly remuneration statement - DMR - AT.
Circular no. 8/2025, of September 25, by Order of the Director-General of the Personal Income Tax Services Directorate
Subject: Deduction at Tax Source on Income from Employment and Pensions. Autonomous Region of Madeira.
V.2. Miscellaneous
V.2.1. Bulletin of Labour and Employment
Collective Contract, BTE no. 33/2025, of September 8: Collective contract between the National Confederation of Solidarity Institutions (CNIS) and FEPCES - Portuguese Federation of Trade, Office and Service Unions and others - Salary changes and others and consolidated text.
https://bte.gep.msess.gov.pt/completos/2025/bte33_2025.pdf
Collective Contract, BTE no. 36/2025, of September 29: Collective contract between ACILIS - Association of Commerce, Industry, Services and Tourism of the Leiria Region and others and CESP - Trade Union of Commerce, Office and Service Workers of Portugal - Global review.
https://bte.gep.msess.gov.pt/completos/2025/bte36_2025.pdf
V.2.2. Economics, Finance and Taxation
V.2.3. Industrial Property
On September 16 provisional statistics were released on industrial property rights (IPR) applications and grants for August 2025, highlighting the following:
(i) Between January and August 2025, 679 applications for national inventions were filed (up from 588 applications filed in the same period last year);
(ii) With regard to grants, 178 national inventions were granted between January and August 2025, compared to 135 granted between January and August 2024, representing an increase of 31.9%;
(iii) The total number of International Applications (PCT) and European Patent Applications, via INPI as the Receiving Office, was 48 between January and August 2025 (slightly lower than in the same period in 2024). The number of European Patent validations filed in Portugal between January and August 2025 decreased by 25% compared to the same period last year, from 1,763 validations filed between January and August 2024 to 1,323 between January and August 2025;
(iv) National Trademarks and Other Distinctive Signs of Commerce (OSDC) accounted for 15,345 registration applications between January and August 2025 (higher than the 14,617 applications filed in the same period of 2024), representing a growth of 5%;
(v) With regard to International Trademark Designations for national examination and registration, there was a decrease compared to the same period last year. 652 International Trademark Designations were filed between January and August 2025 and 663 between January and August 2024.
The results of the Global Innovation Index (GII) 2025 were presented by the World Intellectual Property Organisation (WIPO) in Geneva.
Portugal remains in 31st place, the same position it held in 2024, but now among 139 countries analysed, whereas last year the study reported on 133 world economies.
In relation to the seven areas of analysis of the GII, Portugal stands out in the Human Capital and Research indicator, where it ranks 21st in the world ranking. It also shows positive results in the Creative Outputs and Market Sophistication indicators, ranking 25th and 26th, respectively. In terms of the Infrastructure indicator, Portugal ranks 42nd, an improvement on its 46th place in the GII in 2024. It ranks 34th in Business Sophistication, 36th in Knowledge and Technology Outputs and 38th in the Institutions indicator.
Globally, Switzerland remains at the top of the WIPO Global Innovation Index in 2025, followed by Sweden, the United States of America, the Republic of Korea, Singapore, the United Kingdom, Finland, the Netherlands, Denmark and China, which enters the top 10 for the first time.
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