ANYFLAME
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: 95.5% of total assets; cash: 4.4%.
- Solvency weakEquity is 1.3% of total assets.
- Profitability weakNet result: -0.5% of total assets; operating cash result covers interest charges 1.5 times.
Your annual accounts: on time?
How many days before or after the statutory deadline you filed, beside your sector's median.
Next deadline: the accounts for 2026 are due before 31 July 2027.
See your filings in the dossierYour 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.
- Recent warning signalsThe last 24 months brought warning signals in the Staatsblad or the KBO, and those often pile up before a bankruptcy.
- Judicial reorganisation on recordA judicial reorganisation is on record, and one often precedes a bankruptcy.
- Limited track recordThis company has not been active as long as an established one and statistically fails somewhat more often.
- Higher-failure-rate sectorIn this sector companies fail more often than the Belgian average.
- Multiple establishment unitsSeveral establishment units mean more fixed costs, and such companies fail more often than a company with one establishment.
- Annual accounts: weaker financial profileThe latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
- Higher-failure-rate regionIn this region companies fail more often than in the rest of the country.
- Persistent lossesTwo consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
- Weak solvency vs sectorSolvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 28184 sector peers (2025).
What you can do
Concrete steps, each based on a fact from your own dossier.
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File your accounts for 2026 before 31 July 2027
For 2025, your accounts arrived 26 days after the deadline. A punctual filing shows as such under Signals.
See it in your dossier -
Strengthen your solvency
Your equity is 1.3% of total assets (2025); half your sector reaches at least 47.1%. You do better than 10% of 28,184 sector peers. Keeping profit in the company or paying down debt raises it.
See it in your dossier -
Keep your short-term debts in hand
Your current assets cover 0.90 times your debts due within a year (2025), against 0.95 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 (2024 and 2025); 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.