ADHOC COMPUTING
This is how banks, suppliers and customers see your company on Checked, and what you can do about it.
Your Checked score, and what pulls it down
The first number a bank or supplier sees beside your name.
- Liquidity weakDebts due within a year: 75.6% of total assets; cash: 17.9%.
- Solvency averageEquity is 24.4% of total assets.
- Profitability averageNet result: -0.1% of total assets; operating cash result covers interest charges 7.3 times; operating margin: 9% of turnover.
Your annual accounts: on time?
How many days before or after the statutory deadline you filed, beside your sector's median.
Your buffers against the sector
Where your figures sit among your peers' accounts. The band shows the middle half, the tick the median.
What others see as a warning
The signals in your dossier that raise the risk, as a credit manager reads them.
- Higher-failure-rate regionIn this region companies fail more often than in the rest of the country.
- Annual accounts: weaker financial profileThe latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
- Persistent lossesTwo consecutive loss-making years (2023 and 2024); equity is also lower. May indicate structural pressure on profitability.
- Filed more than 90 days lateThe financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-10-2025, 92 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
What you can do
Concrete steps, each based on a fact from your own dossier.
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Keep your short-term debts in hand
Your current assets cover 0.53 times your debts due within a year (2024), against 0.62 a year earlier. Below 1, not every short-term debt can be paid from current assets. Shorter payment terms for customers or moving short-term credit to the long term help.
See it in your dossier -
Work on your profitability
Two consecutive loss-making years (2023 and 2024); equity is also lower. May indicate structural pressure on profitability.
See it in your dossier
Follow your own company
Get an alert every morning when something about your company has appeared: a Gazette publication, new accounts, a register change or a changed score. You read it the way your customers and suppliers do.