A & C SYSTEMS
ActiveSummary
A & C SYSTEMS has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €21.1m and a net result of €7.4m. Equity is growing by ~13.9% per year across the filed fiscal years. Its solvency ranks better than 37% of 4926 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability63▲+10
Solvency59▼-2
Growth71▲+4
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,250,000 at 30 days acceptable
Liquidity ample (current ratio 1.68 against 1.88 in 2024; short-term debt: 51% and cash: 0.5% of total assets), but 66.1% of the assets are financed with debt.
Credit check for your own amount and term
Open the credit simulator : see how the verdict changes with amount, term and advance.
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
33.9%
Return on assets
11.9%
Age of the figures
11 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 31-10-2025 was due by 31-05-2026 and was filed on 23-03-2026, 69 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
69 d early
2024
65 d early
2023
71 d early
2022
63 d early
2021
68 d early
2020
75 d early
2019
69 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 69 days before the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-10-2026 and is due by 31-05-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
27-09-2026 today31-10-2026 close31-05-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit simulator What should you check before you do business with this company?Supplier due diligence 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 What other support did companies like this one receive, and it did not?Subsidy mirror How does this company compare with its sector?Sector benchmark
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, full schema
In the rankings
#1 company by total assets in Hoegaarden, Wholesale and retail trade sector#1 company by equity in Hoegaarden, Wholesale and retail trade sector#2 employer in Hoegaarden
Turnover
€295.1m▲ 31.0%
2024 · €225.2m
EBIT margin
2.4%▲ 0.6pp
2024 · 1.8%
Net result
€7.4m▲ 34.8%
2024 · €5.5m
Working capital
€21.7m▲ 6.4%
2024 · €20.4m
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€250.1m▲ 24.5%€288.9m▲ 15.5%€228.3m▼ 21.0%€225.2m▼ 1.4%€295.1m▲ 31.0%
Operating result€4.4m▲ 7.9%€3.6m▼ 19.2%€2.7m▼ 25.0%€4.1m▲ 53.0%€7.2m▲ 75.3%
Net result€4.9m▼ 8.2%€5.9m▲ 20.5%€1.7m▼ 71.1%€5.5m▲ 222%€7.4m▲ 34.8%
EBIT margin1.8%▼ 0.3pp1.2%▼ 0.5pp1.2%▼ 0.1pp1.8%▲ 0.6pp2.4%▲ 0.6pp
Equity€10.3m▼ 4.8%€11.2m▲ 8.6%€16.5m▲ 47.4%€18.6m▲ 12.9%€21.1m▲ 13.1%
Total assets€52.8m▲ 22.3%€47.7m▼ 9.6%€42.0m▼ 12.0%€51.8m▲ 23.3%€62.1m▲ 19.9%
Debt€42.5m▲ 31.3%€36.6m▼ 14.0%€25.5m▼ 30.2%€33.2m▲ 30.0%€41.1m▲ 23.8%
Working capital€16.7m▲ 17.7%€16.4m▼ 1.6%€15.1m▼ 8.0%€20.4m▲ 34.6%€21.7m▲ 6.4%
Staff (FTE)99.4▼ 5.7%95.1▼ 4.3%91.1▼ 4.2%84.8▼ 6.9%89.4▲ 5.4%
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 75% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €62.1m
Fixed assets
€8.8m ▲ 4.1%
Current assets
€53.4m ▲ 23.0%
Equity and liabilities €62.1m
Equity
€21.1m ▲ 13.1%
Debt
€41.1m ▲ 23.8%
Debt's share of the balance-sheet total rises from 64.0% to 66.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€7.5m▲
2024 · €4.3m
Cash flow
€7.7m▲
2024 · €5.7m
Current ratio
1.68▼
2024 · 1.88
Quick ratio
0.86▲
2024 · 0.79
Debt to equity
1.95▲
2024 · 1.78
ROE
35.2%▲
2024 · 29.5%
ROA
11.9%▲
2024 · 10.6%
Interest coverage
5.57▲
2024 · 4.06
Debt ≤ 1 year
€31.7m▲
2024 · €23.0m
Debt > 1 year
€2.6m▼
2024 · €2.9m
Income taxes
€1.5m▲
2024 · €867,790
Staff costs
€6.2m▲
2024 · €5.6m
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 1,552 companies that looked in July 2024 the way this one looks now, 0.1% went bankrupt within 24 months and 97% are still going.
- Medium-sized
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.1%
went bankrupt
3.2%
stopped otherwise
97%
still going
For this company itself Checked computes a bankruptcy probability of 0.5% 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 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
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 1,552 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 |
|---|---|---|---|---|---|---|
| Operating income70/76A | - | €293.3m | €232.0m | €228.8m | €298.4m | ▲ 30.4% |
| Turnover70 | €250.1m | €288.9m | €228.3m | €225.2m | €295.1m | ▲ 31.0% |
| Other operating income74 | - | €4.3m | €3.7m | €3.6m | €3.3m | ▼ 7.7% |
| Non-recurring operating income76A | - | €7,851 | €4,959 | €4,132 | - | - |
| Operating charges60/66A | - | €289.7m | €229.3m | €224.7m | €291.1m | ▲ 29.6% |
| Goods for resale, raw materials and consumables60 | - | €270.3m | €212.6m | €207.4m | €273.2m | ▲ 31.7% |
| Purchases600/8 | - | €278.3m | €208.7m | €216.5m | €274.3m | ▲ 26.7% |
| Change in stocks: decrease (increase)609 | - | -€8.0m | €3.9m | -€9.1m | -€1.1m | ▲ 87.4% |
| Services and other goods61 | - | €12.5m | €10.2m | €11.1m | €11.2m | ▲ 1.0% |
| Remuneration, social security and pensions62 | - | €6.1m | €6.2m | €5.6m | €6.2m | ▲ 11.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €337,032 | €339,200 | €303,771 | €237,106 | €251,749 | ▲ 6.2% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | €195,388 | -€1.1m | €204,027 | -€16,972 | ▼ 108% |
| Other operating charges640/8 | - | €184,712 | €1.1m | €182,842 | €306,772 | ▲ 67.8% |
| Non-recurring operating charges66A | - | - | - | - | €5,032 | - |
| Operating profit (loss)9901 | €4.4m | €3.6m | €2.7m | €4.1m | €7.2m | ▲ 75.3% |
| Financial income75/76B | - | €3.8m | €669,112 | €3.4m | €3.7m | ▲ 6.8% |
| Recurring financial income75 | €2.0m | €3.8m | €669,112 | €3.4m | €3.7m | ▲ 6.8% |
| Income from financial fixed assets750 | - | €3.5m | €92,902 | €2.8m | €3.6m | ▲ 26.6% |
| Income from current assets751 | - | €115,325 | €436,889 | €568,038 | €52,542 | ▼ 90.8% |
| Other financial income752/9 | - | €143,276 | €139,321 | €22,396 | €16,520 | ▼ 26.2% |
| Financial charges65/66B | - | €664,515 | €1.1m | €1.2m | €2.0m | ▲ 69.3% |
| Recurring financial charges65 | €670,405 | €664,515 | €1.1m | €1.2m | €2.0m | ▲ 69.3% |
| Debt charges650 | €511,158 | €583,454 | €931,641 | €1.1m | €1.3m | ▲ 25.2% |
| Write-downs on current assets other than stocks, contracts in progress and trade receivables: additions (reversals)651 | - | - | €68,500 | -€68,500 | €522,280 | ▲ 862% |
| Other financial charges652/9 | - | €81,062 | €98,665 | €174,282 | €127,917 | ▼ 26.6% |
| Profit (loss) for the period before taxes9903 | €5.7m | €6.7m | €2.3m | €6.4m | €8.9m | ▲ 39.5% |
| Income taxes67/77 | €822,349 | €751,728 | €545,939 | €867,790 | €1.5m | ▲ 69.1% |
| Taxes670/3 | - | €751,728 | €545,939 | €867,790 | €1.5m | ▲ 69.1% |
| Profit (loss) for the period9904 | €4.9m | €5.9m | €1.7m | €5.5m | €7.4m | ▲ 34.8% |
| Profit (loss) for the period to be appropriated9905 | €4.9m | €5.9m | €1.7m | €5.5m | €7.4m | ▲ 34.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €52.8m | €47.7m | €42.0m | €51.8m | €62.1m | ▲ 19.9% |
| Fixed assets21/28 | €3.0m | €3.1m | €8.5m | €8.4m | €8.8m | ▲ 4.1% |
| Intangible fixed assets21 | €163,874 | €102,779 | €42,459 | €6,978 | €24,688 | ▲ 254% |
| Tangible fixed assets22/27 | €1.0m | €1.2m | €1.3m | €1.2m | €1.5m | ▲ 27.0% |
| Plant, machinery and equipment23 | - | €154,606 | €125,101 | €106,204 | €353,529 | ▲ 233% |
| Furniture and vehicles24 | - | €159,579 | €239,849 | €213,105 | €343,170 | ▲ 61.0% |
| Other tangible fixed assets26 | - | €613,480 | €529,088 | €440,860 | €388,893 | ▼ 11.8% |
| Assets under construction and advance payments27 | - | €288,190 | €376,843 | €443,747 | €443,747 | = |
| Financial fixed assets28 | €1.8m | €1.8m | €7.2m | €7.2m | €7.2m | = |
| Affiliated companies280/1 | - | €1.6m | €7.0m | €7.0m | €7.0m | = |
| Participating interests280 | - | €1.6m | €7.0m | €7.0m | €7.0m | = |
| Other financial fixed assets284/8 | - | €225,351 | €225,351 | €225,000 | €225,000 | = |
| Amounts receivable and cash guarantees285/8 | - | €225,351 | €225,351 | €225,000 | €225,000 | = |
| Current assets29/58 | €49.8m | €44.6m | €33.5m | €43.4m | €53.4m | ▲ 23.0% |
| Stocks and contracts in progress3 | €12.2m | €20.0m | €16.2m | €25.1m | €26.2m | ▲ 4.6% |
| Stocks30/36 | - | €20.0m | €16.2m | €25.1m | €26.2m | ▲ 4.6% |
| Goods purchased for resale34 | - | €20.0m | €16.2m | €25.1m | €26.2m | ▲ 4.6% |
| Amounts receivable within one year40/41 | €34.9m | €23.1m | €16.1m | €15.8m | €24.7m | ▲ 56.7% |
| Trade receivables40 | - | €16.0m | €15.3m | €14.7m | €24.2m | ▲ 64.2% |
| Other amounts receivable41 | - | €7.1m | €817,099 | €1.1m | €550,418 | ▼ 48.1% |
| Cash at bank and in hand54/58 | €40,441 | €524,670 | €428,622 | €157,917 | €301,927 | ▲ 91.2% |
| Deferred charges and accrued income490/1 | - | €974,607 | €727,982 | €2.4m | €2.1m | ▼ 11.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €52.8m | €47.7m | €42.0m | €51.8m | €62.1m | ▲ 19.9% |
| Equity10/15 | €10.3m | €11.2m | €16.5m | €18.6m | €21.1m | ▲ 13.1% |
| Contributions10/11 | €1.5m | €1.5m | €5.9m | €5.9m | €5.9m | = |
| Capital10 | - | €1.5m | €5.9m | €5.9m | €5.9m | = |
| Issued capital100 | - | €1.5m | €5.9m | €5.9m | €5.9m | = |
| Revaluation surpluses12 | - | - | €1.5m | €1.5m | €1.5m | = |
| Reserves13 | €2.5m | €2.5m | €2.5m | €2.5m | €2.5m | = |
| Non-distributable reserves130/1 | - | €145,166 | €586,400 | €586,400 | €586,400 | = |
| Legal reserve130 | - | €145,166 | €586,400 | €586,400 | €586,400 | = |
| Distributable reserves133 | - | €2.3m | €1.9m | €1.9m | €1.9m | = |
| Profit (loss) carried forward14 | €6.4m | €7.3m | €6.7m | €8.8m | €11.3m | ▲ 27.6% |
| Investment grants15 | - | €917 | €680 | €442 | €204 | ▼ 53.8% |
| Amounts payable17/49 | €42.5m | €36.6m | €25.5m | €33.2m | €41.1m | ▲ 23.8% |
| Amounts payable after more than one year17 | €6.0m | €5.2m | €3.0m | €2.9m | €2.6m | ▼ 11.7% |
| Financial debts170/4 | - | €1.9m | €1.1m | €376,366 | €36,150 | ▼ 90.4% |
| Credit institutions173 | - | €1.9m | €1.1m | €376,366 | €36,150 | ▼ 90.4% |
| Other amounts payable178/9 | - | €3.4m | €1.9m | €2.5m | €2.5m | = |
| Amounts payable within one year42/48 | €33.1m | €28.2m | €18.4m | €23.0m | €31.7m | ▲ 37.7% |
| Current portion of amounts payable after more than one year42 | - | €737,165 | €742,756 | €748,457 | €385,932 | ▼ 48.4% |
| Financial debts43 | - | €177,506 | - | - | €4.7m | - |
| Credit institutions430/8 | - | €177,506 | - | - | €4.7m | - |
| Trade debts44 | €28.2m | €22.2m | €14.3m | €15.8m | €11.7m | ▼ 25.9% |
| Suppliers440/4 | - | €22.2m | €14.3m | €15.8m | €11.7m | ▼ 25.9% |
| Taxes, remuneration and social security45 | - | €2.4m | €2.5m | €2.6m | €4.3m | ▲ 64.6% |
| Taxes450/3 | - | €1.4m | €1.5m | €1.9m | €3.5m | ▲ 82.9% |
| Remuneration and social security454/9 | - | €974,391 | €963,022 | €736,523 | €864,556 | ▲ 17.4% |
| Other amounts payable47/48 | - | €2.6m | €814,310 | €3.9m | €10.6m | ▲ 174% |
| Accrued charges and deferred income492/3 | - | €3.2m | €4.2m | €7.2m | €6.8m | ▼ 6.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €4.9m | €5.9m | €1.7m | €5.5m | €7.4m | ▲ 34.8% |
| + Depreciation and write-downs630 | €337,032 | €339,200 | €303,771 | €237,106 | €251,749 | ▲ 6.2% |
| Operating cash flow (approximation) | €5.3m | €6.3m | €2.0m | €5.7m | €7.7m | ▲ 33.6% |
| Investment in fixed assets (approximation) | - | -€493,634 | -€5.7m | -€134,308 | -€594,881 | ▼ 343% |
| Change in cash | - | €484,230 | -€96,048 | -€270,705 | €144,010 | ▲ 153% |
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
23-03
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-10
Financial
Highest result since 2018net €7.4m ▲34.8%
Operating result €7.2m, net result €7.4m, both a record.
27-03
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
21-03
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-10
Financial
Weakest financial yearnet €1.7m ▼71.1%
Net result drops to €1.7m, the lowest in the series; recovery starts the following year.
29-03
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
24-03
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
17-03
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-10
Financial
Equity above €10mEq €10.8m ▲11.2%
3 profitable years in a row build equity to €10.8m.
23-03
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
28-03
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
21-03
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
28-03
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 14 acts read
About the unread acts
We know of 14 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
14 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Hoegaarden · 4 establishment units since 2000
Ground area
3.9 ha
Building footprint
1.8 ha
Volume, LiDAR
160,368 m³
4 parcels, Flanders · tallest building 17.5 m, ±4 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
4 establishment units
A & C SYSTEMS
since 20002.054.592.335
A & C SYSTEMS
since 20252.378.024.878
A & C SYSTEMS
since 20252.378.024.977
A & C SYSTEMS
since 20252.378.024.779
4 parcels
Flanders
4
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24662F0125/00K000 | Flanders | 1.7 ha | 1 · 8,442 m² | 14.2 m · 4 fl. |
| 24592F0226/00W002 | Flanders | 1.1 ha | 1 · 4,307 m² | 17.5 m · 4 fl. |
| 24041L0226/00C000 | Flanders | 8,149 m² | 1 · 4,423 m² | - |
| 24041L0416/00G000 | Flanders | 2,390 m² | 1 · 914 m² | 9.0 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
4 of 4 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Owners and holdings
1 owner · 1 holdingChain of control
- A&C Group
- A & C SYSTEMS
Highest known parent: A&C Group. The sources do not say who stands above it.
Owners 1
- A&C Groupparent99.99%
Holdings 1
-
100%
According to the annual accounts to 31-10-2025 of A & C SYSTEMS and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 8 entries · 33,173 EUR awarded · 33,173 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 2 | 3,556 EUR | 3,556 EUR |
| 2024 | 1 | 2,620 EUR | 2,620 EUR |
| 2023 | 3 | 11,489 EUR | 11,489 EUR |
| 2022 | 2 | 15,508 EUR | 15,508 EUR |
Recognitions · licences · registrations
Dual-learning approval
12 live approvalsLogistiek duaal (so)
Logistiek duaal (so)
Logistiek duaal (so)
Logistiek duaal (so)
Magazijnmedewerker (vwo)
Magazijnmedewerker (vwo)
Show 6 more
Magazijnmedewerker (vwo)
Magazijnmedewerker (vwo)
Magazijnmedewerker duaal (so)
Magazijnmedewerker duaal (so)
Magazijnmedewerker duaal (so)
Magazijnmedewerker duaal (so)
Legal Entity Identifier
549300DT4SS42Y0FIY57
Similar companies · same sector, comparable size
TP VISION BELGIUM
BE 0837.960.234
Gent · Eq €21.1m
WEG BENELUX S.A.
BE 0448.358.249
Nivelles · Eq €20.9m
J.S.T. BELGIUM
BE 0417.530.659
Kampenhout · Eq €21.4m
FANUC BENELUX
BE 0507.827.860
Mechelen · Eq €19.2m
ANIXTER BELGIUM
BE 0436.252.550
Willebroek · Eq €23.6m
Of 1,244 companies in sector 46643 we hold annual accounts for 953. 188 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded04-10-1991
Fiscal year end31-10
Activities, NACEBEL 2025
46500Wholesale of information and communication equipment
46643Wholesale of electrical equipment, including installation materials
46900Non-specialised wholesale trade
77222Rental and leasing activities
77229Renting and leasing of other personal and household goods
Contact
Website
www.ac-systems.com
E-invoicing
Reachable via Peppol
Peppol ID
0208:0445299482
Also
9925:BE0445299482
Registered
17-07-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.