FISHMONGER
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.
Your latest processed accounts are too old to base a score on. A recent filing brings your score back.
- Bankruptcy probability weakA high bankruptcy probability caps the score.
- Filing weakA confirmed filing finding caps the score.
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.
- Annual accounts: weaker financial profileThe latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
- Recent warning signalsThe last 24 months brought warning signals in the Staatsblad or the KBO, and those often pile up before a bankruptcy.
- Limited track recordThis company has not been active as long as an established one and statistically fails somewhat more often.
- No NACE activity registeredNo NACE activity is registered in the KBO, which is more common among companies that later fail.
- Higher-failure-rate regionIn this region companies fail more often than in the rest of the country.
- Ex-officio strike-offThe KBO struck this company off ex officio, which points to unmet obligations and often precedes a bankruptcy.
- Annual accounts not filedThe financial year that closed on 30-06-2025 was due at the National Bank by 31-01-2026. Nothing is on record, 239 days later.
- Administrative warnings in the KBO publications1 publication by the FPS Economy about this company, such as a strike-off for address, accounts or UBO, or its withdrawal.
What you can do
Concrete steps, each based on a fact from your own dossier.
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File your annual accounts for the year to 30 June 2025
The statutory deadline passed on 31 January 2026; the accounts are now 239 days late. Until they are filed, whoever looks you up sees no recent figures and a missing filing.
See it in your dossier -
Strengthen your equity
Your equity was -€111,500 on 30 June 2024: 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 0.42 times your debts due within a year (2024), against 0.53 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 -
Have your registered office re-entered
The KBO records that your registered office address was struck (15 December 2025). A new or confirmed office address through your business counter annuls the strike-off.
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.