Guzman
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.
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.
- Higher-failure-rate sectorIn this sector companies fail more often than the Belgian average.
- Limited track recordThis company has not been active as long as an established one and statistically fails somewhat more often.
- Two or more financial years not filedSince the financial year that closed on 31-12-2023, 3 financial years are missing at the National Bank. A company this far behind goes bankrupt within the year nineteen times as often as a punctual filer.
- Filed more than 90 days lateThe financial year that closed on 31-12-2022 was due by 31-07-2023 and was filed on 31-12-2023, 153 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
What you can do
Concrete steps, each based on a fact from your own dossier.
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File your annual accounts for 2023
The statutory deadline passed on 31 July 2024; the accounts are now 788 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 -€24,400 on 31 December 2022: 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
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.