DECAB CONCEPT
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: 72% of total assets; cash: 4.1%.
- Solvency weakEquity is 7% of total assets.
- Profitability strongNet result: 3.5% of total assets; operating cash result covers interest charges 6.2 times.
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.
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.
- Recent warning signalsThe last 24 months brought warning signals in the Staatsblad or the KBO, and those often pile up before a bankruptcy.
- No NACE activity registeredNo NACE activity is registered in the KBO, which is more common among companies that later fail.
- Young companyA young company has little track record yet and statistically fails more often than an established one.
- Ex-officio strike-offThe KBO struck this company off ex officio, which points to unmet obligations and often precedes a bankruptcy.
- Administrative warnings in the KBO publications2 publications by the FPS Economy about this company, such as a strike-off for address, accounts or UBO, or their withdrawal.
What you can do
Concrete steps, each based on a fact from your own dossier.
Your dossier shows no urgent improvement point. Keep filing your accounts on time, so whoever looks you up sees recent figures.
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.