Thermo-active piles are widely utilised for low carbon heating and cooling, and their uses are further encouraged in cities where there are obligations for developments larger than a certain threshold to generate a portion of their estimated energy use on site in a renewable manner. It is therefore important to model accurately the thermal performance of the designed thermo-active piles to ensure that such obligations are complied with. In this paper, the thermal performance of a thermo-active pile is quantified by the evolution with time of the power that can be harnessed from the pile, obtained from 3D thermo-hydro-mechanically coupled finite element analyses which include the simulation of a hot fluid flowing through heat exchanger pipes. Different pipe arrangements are considered in this study, in order to demonstrate the potential gains in efficiency arising from the installation of multiple U-loops within the pile. Furthermore, detailed analysis of the heat fluxes resulting from pipe-pile-soil interaction is carried out, illustrating the contribution of the different components of the system (concrete, near-field and far-field) to the overall storage of thermal energy.