AB RESTAURATION
ActiveSummary
AB RESTAURATION has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2026 annual accounts show equity of €1.5m and a net result of €78,385. Equity is shrinking by ~3.1% per year across the filed fiscal years. Its solvency ranks better than 32% of 151 sector peers (fiscal year 2026). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2026
Axes · tick = 2025
Profitability57▼-1
Solvency39▼-5
Growth55=
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €65,000 at 30 days acceptable
Liquidity short (current ratio 0.82 against 0.82 in 2025; short-term debt: 85.7% of total assets), and 85.8% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Eight 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 56
Relative position
BE, all sectors
reference
Food and beverage service activities (NACE 56)
about 206% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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 2026Solvency, return and age of the figures
Solvency
14.2%
Return on assets
0.7%
Age of the figures
6 mo
lowers risk · Growing equity
Reported equity is higher than in 2024 and did not fall compared with 2025. These amounts do not establish the cause of the change.
NBB · annual accounts 2026Equity per financial year
1920212223242526
2019 to 2026 · latest year €1.5m
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2026 was due by 31-10-2026 and was filed on 03-07-2026, 120 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2026
120 d early
2025
29 d early
2024
30 d early
2023
on the day
2022
116 d late
2021
298 d late
2020
15 d late
← 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 36 days after the deadline; the sector median for financial year 2024 is 6 days after the deadline, and 53% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2027 and is due by 31-10-2027. Nothing is late today. Usually files around 2 October (4 of the last 5 filed years within 91 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-03-2027 close31-10-2027 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 Is the workforce growing, and do people stay?Employer 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 Which other companies belong to the same group?KORYS · 159 companies
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Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2026, full schema
In the rankings
#1 company by total assets in the province of Namur, Food and beverage service sector#3 company by equity in Gembloux, Accommodation and food service sector#9 employer in the province of Namur, Food and beverage service sector
Turnover
€33.3m▲ 16.4%
2025 · €28.6m
EBIT margin
0.5%▼ 0.6pp
2025 · 1.1%
Net result
€78,385▼ 60.6%
2025 · €198,880
Working capital
-€1.7m▼ 59.9%
2025 · -€1.1m
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
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 56, Food and beverage service activities, 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), Staff (FTE).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20222023202420252026
Turnover€12.2m▼ 11.1%€19.9m▲ 63.3%€24.6m▲ 23.6%€28.6m▲ 16.2%€33.3m▲ 16.4%
Operating result-€167,243-€132,430▲ 20.8%€198,217€320,931▲ 61.9%€169,771▼ 47.1%
Net result-€177,775-€138,249▲ 22.2%€193,660above the sector's middle half€198,880▲ 2.7%€78,385▼ 60.6%
EBIT margin-1.4%▼ 4.6pp-0.7%▲ 0.7pp0.8%▲ 1.5pp1.1%▲ 0.3pp0.5%▼ 0.6pp
Equity€1.2m▼ 49.9%€1.0m▼ 11.7%€1.3mabove the sector's middle half▲ 22.0%€1.5m▲ 15.1%€1.5m▲ 4.9%
Total assets€5.6m▼ 22.5%€6.2m▲ 10.8%€6.5mabove the sector's middle half▲ 4.6%€7.5m▲ 16.8%€10.8m▲ 44.0%
Debt€4.4m▼ 9.0%€5.1m▲ 16.9%€5.2m▲ 1.1%€6.1m▲ 17.2%€9.3m▲ 53.4%
Working capital€1.1m▼ 52.2%€529,429▼ 49.9%-€101,458below the sector's middle half-€1.1m▼ 957%-€1.7m▼ 59.9%
Solvency21.2%▼ 11.6pp16.9%▼ 4.3pp19.7%within the sector's middle half▲ 2.8pp19.5%▼ 0.3pp14.2%▼ 5.3pp
Current ratio1.25▼ 0.231.11▼ 0.150.98within the sector's middle half▼ 0.130.82▼ 0.160.82▼ 0.01
Return on assets (ROA)-3.2%▼ 8.1pp-2.2%▲ 1.0pp3.0%within the sector's middle half▲ 5.2pp2.6%▼ 0.4pp0.7%▼ 1.9pp
Staff (FTE)21.2▲ 1.4%25▲ 17.9%33above the sector's middle half▲ 32.0%35.1▲ 6.4%31.9▼ 9.1%
above
within
below
the middle half (P25 to P75) of NACE 56, Food and beverage service activities, each year against the same schema; no band under 30 filings.
Why a figure moved sharply
- 2023 Turnover +63% on 2022. The previous fiscal year ran 9 months, this one 12.
Result per fiscal year
Operating resultNet result
The operating result falls in 2026; 2026 is 47% below 2025.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €10.8m
Fixed assets
€3.3m ▲ 27.8%
Current assets
€7.6m ▲ 52.2%
Equity and liabilities €10.8m
Equity
€1.5m ▲ 4.9%
Debt
€9.3m ▲ 53.4%
Debt's share of the balance-sheet total rises from 80.5% to 85.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€906,619▲
2025 · €696,765
Cash flow
€815,233▲
2025 · €574,714
Quick ratio
0.81▼
2025 · 0.82
Debt to equity
6.06▲
2025 · 4.14
ROE
5.1%▼
2025 · 13.6%
Interest coverage
10.93▼
2025 · 11.13
Debt ≤ 1 year
€9.3m▲
2025 · €6.1m
Income taxes
€25,008▼
2025 · €65,922
Staff costs
€2.3m▲
2025 · €2.2m
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 4,681 companies that looked in July 2024 the way this one looks now, 1.1% went bankrupt within 24 months and 97% are still going.
- Small
- 20 years or older
- solvency 10 to 30%
- a profit under 5% of the balance sheet
1.1%
went bankrupt
2.0%
stopped otherwise
97%
still going
For this company itself Checked computes a bankruptcy probability of 1.1% 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 497,340 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 4,681 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 | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Operating income70/76A | €12.2m | €19.9m | €24.6m | €28.8m | €33.4m | ▲ 16.3% |
| Turnover70 | €12.2m | €19.9m | €24.6m | €28.6m | €33.3m | ▲ 16.4% |
| Other operating income74 | €15,755 | €839 | €23,837 | €131,404 | €107,960 | ▼ 17.8% |
| Operating charges60/66A | €12.4m | €20.1m | €24.4m | €28.4m | €33.3m | ▲ 17.0% |
| Goods for resale, raw materials and consumables60 | €10.5m | €17.0m | €20.9m | €24.2m | €28.6m | ▲ 17.8% |
| Purchases600/8 | €10.5m | €17.0m | €20.9m | €24.2m | €28.5m | ▲ 17.8% |
| Change in stocks: decrease (increase)609 | -€5,250 | -€3,574 | -€22,430 | -€282 | €9,408 | ▲ 3,436% |
| Services and other goods61 | €877,478 | €1.4m | €1.3m | €1.5m | €1.7m | ▲ 9.1% |
| Remuneration, social security and pensions62 | €889,145 | €1.6m | €2.1m | €2.2m | €2.3m | ▲ 4.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €59,367 | €90,459 | €137,075 | €375,834 | €736,848 | ▲ 96.1% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | €52,631 | - | €1,046 | €39,037 | -€39,037 | ▼ 200% |
| Other operating charges640/8 | €1,870 | €1,273 | €1,598 | €15,920 | €1,618 | ▼ 89.8% |
| Non-recurring operating charges66A | - | - | - | - | €1,048 | - |
| Operating profit (loss)9901 | -€167,243 | -€132,430 | €198,217 | €320,931 | €169,771 | ▼ 47.1% |
| Financial income75/76B | €4,532 | €12,360 | €27,991 | €7,703 | €17,983 | ▲ 133% |
| Recurring financial income75 | €3,782 | €12,360 | €27,991 | €7,703 | €7,052 | ▼ 8.5% |
| Income from financial fixed assets750 | €2,019 | €9,941 | €12,459 | - | - | - |
| Income from current assets751 | €1,763 | €2,406 | - | - | - | - |
| Other financial income752/9 | - | €13 | €15,532 | €7,703 | €7,052 | ▼ 8.5% |
| Non-recurring financial income76B | €750 | - | - | - | €10,931 | - |
| Financial charges65/66B | €12,182 | €15,368 | €27,624 | €63,832 | €84,361 | ▲ 32.2% |
| Recurring financial charges65 | €12,182 | €15,368 | €27,624 | €63,832 | €84,361 | ▲ 32.2% |
| Debt charges650 | €12,182 | €14,958 | €26,572 | €62,609 | €82,926 | ▲ 32.5% |
| Write-downs on current assets other than stocks, contracts in progress and trade receivables: additions (reversals)651 | - | - | - | €617 | €303 | ▼ 50.9% |
| Other financial charges652/9 | - | €410 | €1,052 | €606 | €1,132 | ▲ 86.8% |
| Profit (loss) for the period before taxes9903 | -€174,892 | -€135,437 | €198,584 | €264,802 | €103,393 | ▼ 61.0% |
| Income taxes67/77 | €2,883 | €2,812 | €4,924 | €65,922 | €25,008 | ▼ 62.1% |
| Taxes670/3 | €2,883 | €2,812 | €4,944 | €65,922 | €32,439 | ▼ 50.8% |
| Tax adjustments and reversals of tax provisions77 | - | - | €20 | - | €7,431 | - |
| Profit (loss) for the period9904 | -€177,775 | -€138,249 | €193,660 | €198,880 | €78,385 | ▼ 60.6% |
| Transfer from tax-exempt reserves789 | - | - | €323,800 | €346,400 | - | - |
| Profit (loss) for the period to be appropriated9905 | -€177,775 | -€138,249 | €517,460 | €545,280 | €78,385 | ▼ 85.6% |
| Line | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €5.6m | €6.2m | €6.5m | €7.5m | €10.8m | ▲ 44.0% |
| Fixed assets21/28 | €305,322 | €621,568 | €1.4m | €2.6m | €3.3m | ▲ 27.8% |
| Intangible fixed assets21 | - | - | €561,688 | €2.1m | €3.1m | ▲ 47.3% |
| Tangible fixed assets22/27 | €304,953 | €621,199 | €854,135 | €413,482 | €120,682 | ▼ 70.8% |
| Land and buildings22 | €1,836 | €1,723 | €1,610 | €1,497 | €1,384 | ▼ 7.5% |
| Plant, machinery and equipment23 | €134,788 | €148,396 | €111,027 | €80,029 | €86,698 | ▲ 8.3% |
| Furniture and vehicles24 | €20,548 | €13,781 | €13,505 | €9,349 | €11,319 | ▲ 21.1% |
| Leasing and similar rights25 | €7,278 | €1,453 | - | - | - | - |
| Other tangible fixed assets26 | €140,503 | €110,657 | €80,730 | €50,885 | €21,281 | ▼ 58.2% |
| Assets under construction and advance payments27 | - | €345,189 | €647,263 | €271,722 | - | - |
| Financial fixed assets28 | €369 | €369 | €17,699 | €17,699 | €18,299 | ▲ 3.4% |
| Other financial fixed assets284/8 | €369 | €369 | €17,699 | €17,699 | €18,299 | ▲ 3.4% |
| Amounts receivable and cash guarantees285/8 | €369 | €369 | €17,699 | €17,699 | €18,299 | ▲ 3.4% |
| Current assets29/58 | €5.3m | €5.5m | €5.0m | €5.0m | €7.6m | ▲ 52.2% |
| Stocks and contracts in progress3 | €5,250 | €8,825 | €31,254 | €31,536 | €22,128 | ▼ 29.8% |
| Stocks30/36 | €5,250 | €8,825 | €31,254 | €31,536 | €22,128 | ▼ 29.8% |
| Goods purchased for resale34 | €5,250 | €8,825 | €31,254 | €31,536 | €22,128 | ▼ 29.8% |
| Amounts receivable within one year40/41 | €5.0m | €5.2m | €4.6m | €4.5m | €6.9m | ▲ 53.1% |
| Trade receivables40 | €2.5m | €3.0m | €4.1m | €4.5m | €6.9m | ▲ 53.3% |
| Other amounts receivable41 | €2.5m | €2.2m | €437,286 | €19,092 | €19,829 | ▲ 3.9% |
| Deferred charges and accrued income490/1 | €241,876 | €357,743 | €408,165 | €454,498 | €678,816 | ▲ 49.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €5.6m | €6.2m | €6.5m | €7.5m | €10.8m | ▲ 44.0% |
| Equity10/15 | €1.2m | €1.0m | €1.3m | €1.5m | €1.5m | ▲ 4.9% |
| Contributions10/11 | €12,400 | €12,400 | €12,400 | €61,500 | €61,500 | = |
| Capital10 | - | - | €12,400 | €61,500 | €61,500 | = |
| Issued capital100 | - | - | €18,600 | €67,700 | €67,700 | = |
| Uncalled capital101 | - | - | €6,200 | €6,200 | €6,200 | = |
| Reserves13 | €1.3m | €1.3m | €1.3m | €1.3m | €1.3m | = |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €1,860 | €6,770 | €6,770 | = |
| Legal reserve130 | - | - | €1,860 | €6,770 | €6,770 | = |
| Reserves not available under the articles1311 | €1,860 | €1,860 | - | - | - | - |
| Tax-exempt reserves132 | €670,200 | €670,200 | €346,400 | - | - | - |
| Distributable reserves133 | €675,851 | €675,851 | €999,651 | €1.3m | €1.3m | = |
| Profit (loss) carried forward14 | -€177,775 | -€316,024 | -€122,364 | €71,606 | €149,991 | ▲ 109% |
| Investment grants15 | - | - | €35,819 | €28,849 | €21,879 | ▼ 24.2% |
| Amounts payable17/49 | €4.4m | €5.1m | €5.2m | €6.1m | €9.3m | ▲ 53.4% |
| Amounts payable after more than one year17 | €180,335 | €106,710 | €58,298 | €14,652 | - | - |
| Financial debts170/4 | €180,335 | €106,710 | €49,593 | €14,652 | - | - |
| Credit institutions173 | €180,335 | €106,710 | €49,593 | €14,652 | - | - |
| Other amounts payable178/9 | - | - | €8,705 | - | - | - |
| Amounts payable within one year42/48 | €4.2m | €5.0m | €5.1m | €6.1m | €9.3m | ▲ 53.6% |
| Current portion of amounts payable after more than one year42 | €10,523 | €41,916 | €34,627 | €34,941 | €14,652 | ▼ 58.1% |
| Financial debts43 | €202 | €202 | €7 | €7 | €2.5m | ▲ 36,285,000% |
| Credit institutions430/8 | €202 | €202 | €7 | €7 | - | - |
| Other loans439 | - | - | - | - | €2.5m | - |
| Trade debts44 | €3.9m | €4.8m | €4.8m | €5.4m | €6.3m | ▲ 17.7% |
| Suppliers440/4 | €3.9m | €4.8m | €4.8m | €5.4m | €6.3m | ▲ 17.7% |
| Taxes, remuneration and social security45 | €251,264 | €207,591 | €319,372 | €292,526 | €410,150 | ▲ 40.2% |
| Taxes450/3 | €174,060 | €86,090 | €79,162 | €115,638 | €228,558 | ▲ 97.6% |
| Remuneration and social security454/9 | €77,204 | €121,501 | €240,210 | €176,888 | €181,592 | ▲ 2.7% |
| Other amounts payable47/48 | - | - | - | €345,858 | - | - |
| Accrued charges and deferred income492/3 | - | - | - | - | €11,264 | - |
| Line | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€177,775 | -€138,249 | €193,660 | €198,880 | €78,385 | ▼ 60.6% |
| + Depreciation and write-downs630 | €59,367 | €90,459 | €137,075 | €375,834 | €736,848 | ▲ 96.1% |
| Operating cash flow (approximation) | -€118,408 | -€47,790 | €330,735 | €574,714 | €815,233 | ▲ 41.9% |
| Investment in fixed assets (approximation) | - | -€406,705 | -€949,029 | -€1.5m | -€1.4m | ▲ 3.2% |
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 2027, expected by
2026
03-07
NBB filing
Annual accounts filed
fiscal year 2026 · full schema
2025
02-10
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2024
01-10
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
31-03
Financial
Back to profitnet €193,660
Net result €193,660 after 2 loss-making years.
2023
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · unclassified schema
24-02
NBB filing
Annual accounts filed
fiscal year 2022 · unclassified schema · 116 days late
2022
25-11
NBB filing
Annual accounts filed
fiscal year 2021 · unclassified schema · 298 days late
31-03
Financial
Weakest financial yearnet -€177,775
Net result drops to -€177,775, the lowest in the series; recovery starts the following year.
2021
15-02
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 15 days late
2020
30-06
Financial
Highest result since 2019net €380,530 ▲64.6%
Operating result €548,173, net result €380,530, both a record.
30-06
Financial
Equity above €2mEq €2.0m ▲23.3%
2 profitable years in a row build equity to €2.0m.
28-01
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
15-01
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
23-01
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 8 acts read
About the unread acts
We know of 8 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
8 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, Gembloux · 2 establishment units since 2001
Ground area
1,113 m²
Building footprint
390 m²
Volume, LiDAR
880 m³
2 parcels, Wallonia · tallest building 4.5 m, ±1 floor. Linked by address, not a title deed.
2 establishment units
Culinoa
since 20012.098.498.493
Culinoa
since 20182.281.386.451
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92053B0055/00H024 | Wallonia | 760 m² | 1 · 161 m² | - |
| 92046B0136/00D003 | Wallonia | 353 m² | 1 · 228 m² | 4.5 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Part of the group
KORYS
159 companies
Group, risk and exposure
Owners and holdings
1 ownerChain of control
- KORYS
- Colruyt Group
- Ahara
- Colruyt Food Retail
- AB RESTAURATION
Highest known parent: KORYS. The sources do not say who stands above it.
Owners 1
-
100%
Holdings 0
The accounts to 31-03-2026 list no holdings, and no other source names one.
According to the annual accounts to 31-03-2026 of AB RESTAURATION 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteFloreffe2.281.386.451
Legal Entity Identifier
549300OE8SDYXUFJQ048
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ARTFOOD
BE 0812.118.048
Brussel · Eq €1,803,002
REAL ESTATE & MANAGEMENT
BE 0476.713.230
Oostkamp · Eq €1,843,951
Of 1,350 companies in sector 56220 we hold annual accounts for 406. 126 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
Founded31-07-2001
Fiscal year end31-03
Activities, NACEBEL 2025
56220Contract catering and other food service activities
70200Business and other management consultancy
Contact
E-invoicing
Reachable via Peppol
Peppol ID
0208:0475405017
Also
9925:BE0475405017
Registered
20-11-2020
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.