FM PROTEC
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.
- Profitability weakNet result: -28.6% of total assets; operating cash result covers interest charges -7.1 times.
- Solvency averageEquity is 17.6% of total assets.
- Liquidity averageDebts due within a year: 77.3% of total assets; cash: 48.2%.
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.
- Higher-failure-rate sectorIn this sector companies fail more often than the Belgian average.
- 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 (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 18% of 7838 sector peers (2025).
What you can do
Concrete steps, each based on a fact from your own dossier.
-
Stay on time: file your accounts for 2026 before 31 July 2027
For 2025, your accounts were filed 0 days before the deadline.
See it in your dossier -
Strengthen your solvency
Your equity is 17.6% of total assets (2025); half your sector reaches at least 44.1%. You do better than 18% of 7,838 sector peers. Keeping profit in the company or paying down debt raises it.
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.