REMACLE
ActiveSummary
REMACLE has been active since 1937 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €10.8m and a net result of €1.0m. Equity is growing by ~11.8% per year across the filed fiscal years. Its solvency ranks better than 61% of 286 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability70▼-2
Solvency79▼-15
Growth57▼-1
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €800,000 at 30 days acceptable
Liquidity ample (current ratio 3.42 against 2.88 in 2024; short-term debt: 20.8% and cash: 6.8% of total assets), and 46% of the assets are financed with debt.
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Signals
Seven 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
54%
Return on assets
5%
Age of the figures
9 mo
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 23
Relative position
BE, all sectors
reference
Manufacture of other non-metallic mineral products (NACE 23)
about 17% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 02-07-2026, 29 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
29 d early
2024
22 d early
2023
5 d late
2022
9 d late
2021
32 d early
2020
47 d early
2019
6 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 16 days before the deadline; the sector median for financial year 2024 is 11 days before the deadline, and 34% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, full schema
In the rankings
#1 oldest company in the province of Namur, Non-metallic mineral products sector#2 employer in the province of Namur, Non-metallic mineral products sector#3 company by total assets in the province of Namur, Non-metallic mineral products sector
Turnover
€19.8m▲ 1.7%
2024 · €19.5m
EBIT margin
5.5%▼ 0.3pp
2024 · 5.8%
Net result
€1.0m▲ 5.1%
2024 · €955,304
Working capital
€10.0m▲ 90.4%
2024 · €5.3m
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€15.6m▲ 9.1%€21.2m▲ 35.6%€21.7m▲ 2.5%€19.5m▼ 10.4%€19.8m▲ 1.7%
Operating result€939,183▲ 2.2%€1.5m▲ 61.6%€1.6m▲ 3.6%€1.1m▼ 27.9%€1.1m▼ 3.9%
Net result€1.2m▼ 4.6%€1.2m▼ 5.0%€1.3m▲ 16.4%€955,304▼ 28.6%€1.0m▲ 5.1%
EBIT margin6.0%▼ 0.4pp7.2%▲ 1.2pp7.2%▲ 0.1pp5.8%▼ 1.4pp5.5%▼ 0.3pp
Equity€7.0m▲ 14.0%€7.8m▲ 11.4%€8.7m▲ 12.7%€9.7m▲ 10.9%€10.8m▲ 11.6%
Total assets€11.5m▲ 16.0%€13.3m▲ 16.3%€13.6m▲ 1.8%€14.1m▲ 3.7%€20.0m▲ 42.3%
Debt€4.4m▲ 20.6%€5.5m▲ 24.8%€4.8m▼ 13.0%€4.3m▼ 9.5%€9.2m▲ 111%
Working capital€4.0m▲ 22.6%€4.6m▲ 14.9%€4.9m▲ 7.6%€5.3m▲ 7.5%€10.0m▲ 90.4%
Staff (FTE)75▼ 13.8%77▲ 2.7%78▲ 1.3%75▼ 3.8%75.5▲ 0.7%
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 4% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €20.0m
Fixed assets
€5.8m ▼ 2.8%
Current assets
€14.2m ▲ 75.7%
Equity and liabilities €20.0m
Equity
€10.8m ▲ 11.6%
Provisions
€41,326 ▼ 9.8%
Debt
€9.2m ▲ 111%
Debt's share of the balance-sheet total rises from 30.8% to 45.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€1.9m▼
2024 · €2.0m
Cash flow
€1.9m▲
2024 · €1.8m
Current ratio
3.42▲
2024 · 2.88
Quick ratio
2.86▲
2024 · 2.05
Debt to equity
0.85▲
2024 · 0.45
ROE
9.3%▼
2024 · 9.9%
ROA
5.0%▼
2024 · 6.8%
Interest coverage
10.73▼
2024 · 50.84
Debt ≤ 1 year
€4.2m▲
2024 · €2.8m
Debt > 1 year
€5.0m▲
2024 · €1.5m
Income taxes
€26,207▼
2024 · €50,189
Staff costs
€5.2m▲
2024 · €5.0m
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 0.2% 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 | €15.7m | €21.3m | €21.6m | €19.7m | €19.8m | ▲ 0.3% |
| Turnover70 | €15.6m | €21.2m | €21.7m | €19.5m | €19.8m | ▲ 1.7% |
| Change in stocks of work in progress, finished goods and contracts in progress71 | €270 | - | -€186,046 | €169,892 | -€144,558 | ▼ 185% |
| Other operating income74 | €37,654 | €48,741 | €70,394 | €57,224 | €81,806 | ▲ 43.0% |
| Non-recurring operating income76A | - | - | €8,649 | - | - | - |
| Operating charges60/66A | €14.7m | €19.7m | €20.1m | €18.6m | €18.7m | ▲ 0.5% |
| Goods for resale, raw materials and consumables60 | €5.3m | €8.4m | €7.7m | €6.8m | €6.5m | ▼ 5.2% |
| Purchases600/8 | €5.6m | €8.3m | €8.8m | €6.4m | €6.6m | ▲ 3.1% |
| Change in stocks: decrease (increase)609 | -€295,535 | €82,484 | -€1.1m | €405,027 | -€154,198 | ▼ 138% |
| Services and other goods61 | €4.0m | €5.6m | €6.1m | €5.8m | €6.0m | ▲ 3.4% |
| Remuneration, social security and pensions62 | €4.6m | €5.0m | €5.6m | €5.0m | €5.2m | ▲ 4.8% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €629,543 | €656,199 | €676,750 | €820,328 | €856,405 | ▲ 4.4% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | €10,000 | -€264,926 | €47,323 | €3,854 | ▼ 91.9% |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | -€24,944 | -€13,282 | -€28,626 | - | - | - |
| Other operating charges640/8 | €152,105 | €152,685 | €337,983 | €148,591 | €167,081 | ▲ 12.4% |
| Non-recurring operating charges66A | €20,000 | - | - | - | €3,987 | - |
| Operating profit (loss)9901 | €939,183 | €1.5m | €1.6m | €1.1m | €1.1m | ▼ 3.9% |
| Financial income75/76B | €473,817 | €6,631 | €34,018 | €153,116 | €305,141 | ▲ 99.3% |
| Recurring financial income75 | €473,817 | €6,631 | €34,018 | €153,116 | €305,141 | ▲ 99.3% |
| Income from financial fixed assets750 | - | - | - | - | €273,000 | - |
| Other financial income752/9 | €473,817 | €6,631 | €34,018 | €153,116 | €32,141 | ▼ 79.0% |
| Financial charges65/66B | €177,533 | €345,578 | €183,139 | €285,987 | €368,691 | ▲ 28.9% |
| Recurring financial charges65 | €177,533 | €345,578 | €183,139 | €285,987 | €368,691 | ▲ 28.9% |
| Debt charges650 | €34,176 | €25,546 | €16,669 | €38,438 | €181,305 | ▲ 372% |
| Write-downs on current assets other than stocks, contracts in progress and trade receivables: additions (reversals)651 | €0 | €101,885 | - | - | - | - |
| Other financial charges652/9 | €143,357 | €218,147 | €166,470 | €247,548 | €187,386 | ▼ 24.3% |
| Profit (loss) for the period before taxes9903 | €1.2m | €1.2m | €1.4m | €1.0m | €1.0m | ▲ 2.5% |
| Transfer from deferred taxes780 | €4,491 | €4,491 | €4,491 | €4,491 | €4,491 | = |
| Income taxes67/77 | €29,157 | €33,240 | €90,212 | €50,189 | €26,207 | ▼ 47.8% |
| Taxes670/3 | €29,157 | €40,000 | €102,050 | €50,189 | €30,000 | ▼ 40.2% |
| Tax adjustments and reversals of tax provisions77 | - | €6,760 | €11,838 | - | €3,793 | - |
| Profit (loss) for the period9904 | €1.2m | €1.2m | €1.3m | €955,304 | €1.0m | ▲ 5.1% |
| Transfer from tax-exempt reserves789 | €13,474 | €13,474 | €13,474 | €13,474 | €13,474 | = |
| Profit (loss) for the period to be appropriated9905 | €1.2m | €1.2m | €1.4m | €968,777 | €1.0m | ▲ 5.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €11.5m | €13.3m | €13.6m | €14.1m | €20.0m | ▲ 42.3% |
| Fixed assets21/28 | €4.6m | €4.6m | €5.1m | €6.0m | €5.8m | ▼ 2.8% |
| Tangible fixed assets22/27 | €4.6m | €4.6m | €5.1m | €5.9m | €5.8m | ▼ 2.8% |
| Land and buildings22 | €1.7m | €1.7m | €1.9m | €1.8m | €1.7m | ▼ 6.0% |
| Plant, machinery and equipment23 | €2.7m | €2.4m | €2.6m | €3.0m | €3.5m | ▲ 17.7% |
| Furniture and vehicles24 | €176,095 | €181,446 | €222,410 | €71,536 | €106,622 | ▲ 49.0% |
| Leasing and similar rights25 | - | - | €118,982 | €711,649 | €471,494 | ▼ 33.7% |
| Assets under construction and advance payments27 | - | €308,378 | €231,134 | €412,186 | €31,616 | ▼ 92.3% |
| Financial fixed assets28 | €62,504 | €62,504 | €63,308 | €63,308 | €63,308 | = |
| Affiliated companies280/1 | €61,500 | €61,500 | €61,500 | €61,500 | €61,500 | = |
| Participating interests280 | €61,500 | €61,500 | €61,500 | €61,500 | €61,500 | = |
| Other financial fixed assets284/8 | €1,004 | €1,004 | €1,808 | €1,808 | €1,808 | = |
| Amounts receivable and cash guarantees285/8 | €1,004 | €1,004 | €1,808 | €1,808 | €1,808 | = |
| Current assets29/58 | €6.8m | €8.7m | €8.5m | €8.1m | €14.2m | ▲ 75.7% |
| Amounts receivable after more than one year29 | - | €61,000 | €61,000 | - | €8.3m | - |
| Other amounts receivable291 | - | €61,000 | €61,000 | - | €8.3m | - |
| Stocks and contracts in progress3 | €1.7m | €1.6m | €2.6m | €2.3m | €2.3m | ▲ 0.4% |
| Stocks30/36 | €1.7m | €1.6m | €2.6m | €2.3m | €2.3m | ▲ 0.4% |
| Raw materials and consumables30/31 | €446,264 | €640,115 | €1.2m | €716,754 | €694,952 | ▼ 3.0% |
| Finished goods33 | €1.1m | €836,843 | €1.3m | €1.4m | €1.3m | ▼ 10.2% |
| Goods purchased for resale34 | €154,143 | €145,621 | €121,973 | €180,988 | €356,987 | ▲ 97.2% |
| Amounts receivable within one year40/41 | €3.0m | €2.0m | €1.9m | €1.8m | €2.2m | ▲ 17.7% |
| Trade receivables40 | €2.4m | €2.0m | €1.9m | €1.8m | €1.6m | ▼ 12.9% |
| Other amounts receivable41 | €665,192 | €16,505 | - | - | €564,189 | - |
| Current investments50/53 | €1.0m | - | €2.7m | €4,789 | €4,856 | ▲ 1.4% |
| Other investments51/53 | €1.0m | - | €2.7m | €4,789 | €4,856 | ▲ 1.4% |
| Cash at bank and in hand54/58 | €1.1m | €5.0m | €1.2m | €3.9m | €1.4m | ▼ 65.1% |
| Deferred charges and accrued income490/1 | - | - | €32,470 | - | €62,699 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €11.5m | €13.3m | €13.6m | €14.1m | €20.0m | ▲ 42.3% |
| Equity10/15 | €7.0m | €7.8m | €8.7m | €9.7m | €10.8m | ▲ 11.6% |
| Contributions10/11 | €2.2m | €2.2m | €2.2m | €2.2m | €2.2m | = |
| Capital10 | €2.2m | €2.2m | €2.2m | €2.2m | €2.2m | = |
| Issued capital100 | €2.2m | €2.2m | €2.2m | €2.2m | €2.2m | = |
| Reserves13 | €559,254 | €580,781 | €567,307 | €553,834 | €540,360 | ▼ 2.4% |
| Non-distributable reserves130/1 | €186,500 | €221,500 | €221,500 | €221,500 | €221,500 | = |
| Legal reserve130 | €186,500 | €221,500 | €221,500 | €221,500 | €221,500 | = |
| Tax-exempt reserves132 | €309,540 | €296,067 | €282,593 | €269,120 | €255,646 | ▼ 5.0% |
| Distributable reserves133 | €63,214 | €63,214 | €63,214 | €63,214 | €63,214 | = |
| Profit (loss) carried forward14 | €4.2m | €5.0m | €6.0m | €6.9m | €7.9m | ▲ 14.7% |
| Investment grants15 | - | - | - | - | €117,000 | - |
| Provisions and deferred taxes16 | €101,199 | €83,425 | €50,308 | €45,817 | €41,326 | ▼ 9.8% |
| Provisions for liabilities and charges160/5 | €41,908 | €28,626 | - | - | - | - |
| Pensions and similar obligations160 | €41,908 | €28,626 | - | - | - | - |
| Deferred taxes168 | €59,290 | €54,799 | €50,308 | €45,817 | €41,326 | ▼ 9.8% |
| Amounts payable17/49 | €4.4m | €5.5m | €4.8m | €4.3m | €9.2m | ▲ 111% |
| Amounts payable after more than one year17 | €1.5m | €1.4m | €1.2m | €1.5m | €5.0m | ▲ 240% |
| Financial debts170/4 | €1.5m | €1.4m | €1.2m | €1.5m | €5.0m | ▲ 240% |
| Leasing and similar obligations172 | - | - | €85,560 | €516,299 | €390,642 | ▼ 24.3% |
| Credit institutions173 | €1.5m | €1.4m | €1.2m | €956,961 | €4.6m | ▲ 383% |
| Amounts payable within one year42/48 | €2.9m | €4.1m | €3.6m | €2.8m | €4.2m | ▲ 48.0% |
| Current portion of amounts payable after more than one year42 | €191,518 | €185,747 | €23,825 | €141,532 | €149,156 | ▲ 5.4% |
| Financial debts43 | - | - | €204,167 | €206,664 | €902,145 | ▲ 337% |
| Credit institutions430/8 | - | - | €204,167 | €206,664 | €902,145 | ▲ 337% |
| Trade debts44 | €1.9m | €3.1m | €2.4m | €1.7m | €2.2m | ▲ 28.7% |
| Suppliers440/4 | €1.9m | €3.1m | €2.4m | €1.7m | €2.2m | ▲ 28.7% |
| Taxes, remuneration and social security45 | €465,613 | €503,549 | €579,747 | €753,562 | €902,774 | ▲ 19.8% |
| Taxes450/3 | €75,700 | €22,404 | €66,537 | €290,140 | €220,305 | ▼ 24.1% |
| Remuneration and social security454/9 | €389,913 | €481,145 | €513,210 | €463,422 | €682,469 | ▲ 47.3% |
| Other amounts payable47/48 | €356,133 | €356,766 | €355,606 | - | €6,245 | - |
| Accrued charges and deferred income492/3 | - | €8,531 | - | €56,006 | €6,768 | ▼ 87.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €1.2m | €1.2m | €1.3m | €955,304 | €1.0m | ▲ 5.1% |
| + Depreciation and write-downs630 | €629,543 | €656,199 | €676,750 | €820,328 | €856,405 | ▲ 4.4% |
| Operating cash flow (approximation) | €1.8m | €1.8m | €2.0m | €1.8m | €1.9m | ▲ 4.8% |
| Investment in fixed assets (approximation) | - | -€665,578 | -€1.2m | -€1.7m | -€690,465 | ▲ 59.2% |
| Change in cash | - | €3.9m | -€3.9m | €2.7m | -€2.6m | ▼ 193% |
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
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Equity above €10mEq €10.8m ▲11.6%
6 profitable years in a row build equity to €10.8m.
09-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
05-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 5 days late
2023
31-12
Financial
Highest result since 2018net €1.3m ▲16.4%
Operating result €1.6m, net result €1.3m, both a record.
09-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 9 days late
2022
29-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
14-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Back to profitnet €1.3m
Net result €1.3m after 2 loss-making years.
31-12
Financial
Equity above €5mEq €6.1m ▲26.2%
Equity rises from €4.8m to €6.1m.
06-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 6 days late
2019
31-12
Financial
Weakest financial yearnet -€6.6m
Net result drops to -€6.6m, the lowest in the series; recovery starts the following year.
Show earlier events
20-09
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 51 days late
2018
19-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
12-07
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 25 acts read
About the unread acts
We know of 25 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
25 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, Floreffe · 2 establishment units since 1976
Ground area
6.1 ha
Building footprint
1,398 m²
Volume, LiDAR
8,305 m³
3 parcels, Wallonia · tallest building 9.8 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
Rue Sous-la-Ville, Floriffoux 1, 5150 Floreffe
since 19762.037.247.151
Remacle
since 20032.151.900.359
3 parcels
Wallonia
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92046B0051/00N000 | Wallonia | 2.9 ha | 1 · 1,026 m² | 9.8 m · 2 fl. |
| 92082B0724/00B002 | Wallonia | 2.8 ha | 1 · 185 m² | - |
| 92046B0049/00X000 | Wallonia | 3,694 m² | 1 · 187 m² | 7.5 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
3 of 3 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 holdingOwners 0
The accounts to 31-12-2025 list no shareholders, and no other source names one.
Holdings 1
-
100%
According to the 2025 annual accounts of REMACLE 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
Legal Entity Identifier
96760053HUZ3KPXLCA33
Similar companies · same sector, comparable size
BETON DE CLERCQ
BE 0400.079.072
Brugge · Eq €10,450,439
LOVELD
BE 0445.434.193
Aalter · Eq €11,215,521
INTERBLOCS
BE 0418.689.909
Libramont-Chevigny · Eq €11,218,632
Betca
BE 0419.431.463
Rumst · Eq €10,385,917
ELECTRO BETON
BE 0436.409.235
Maasmechelen · Eq €10,382,908
Of 401 companies in sector 23610 we hold annual accounts for 315. 158 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
Founded12-11-1937
Fiscal year end31-12
Activities, NACEBEL 2025
23610Manufacture of other non-metallic mineral products
46831Wholesale of construction materials, general range
E-invoicing
Reachable via Peppol
Peppol ID
0208:0402569893
Also
9925:BE0402569893
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.