CELOZ
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.
- Solvency weakEquity is -689.8% of total assets.
- Liquidity weakDebts due within a year: 323.7% of total assets.
- Profitability weakNet result: -374.6% of total assets; operating cash result covers interest charges -220.1 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.
No sector comparison for your latest year: there are no processed figures, or your sector has too few filed accounts for a fair comparison.
What others see as a warning
The signals in your dossier that raise the risk, as a credit manager reads them.
- Young companyA young company has little track record yet and statistically fails more often than an established one.
- Annual accounts: weaker financial profileThe latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
- No NACE activity registeredNo NACE activity is registered in the KBO, which is more common among companies that later fail.
- Negative equityThe 2025 annual accounts show negative equity and a net loss.
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 18 days after the deadline. A punctual filing shows as such under Signals.
See it in your dossier -
Strengthen your equity
Your equity was -€43,900 on 31 December 2025: negative equity is the first thing a credit manager reads in your balance sheet. Companies usually strengthen it with retained profit, a capital contribution or converting a shareholder loan into capital.
See it in your dossier -
Keep your short-term debts in hand
Your current assets cover 0.29 times your debts due within a year (2025), against 1.70 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
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.