HAYOT INVEST
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.
- 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.
- Recent warning signalsThe last 24 months brought warning signals in the Staatsblad or the KBO, and those often pile up before a bankruptcy.
- Annual accounts: weaker financial profileThe latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
- Ex-officio strike-offThe KBO struck this company off ex officio, which points to unmet obligations and often precedes a bankruptcy.
- Higher-failure-rate regionIn this region companies fail more often than in the rest of the country.
- 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.
- 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 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 solvency
Your equity is 7.8% of total assets (2022); half your sector reaches at least 60.5%. You do better than 10% of 16,076 sector peers. Keeping profit in the company or paying down debt raises it.
See it in your dossier -
Keep your short-term debts in hand
Your current assets cover 0.01 times your debts due within a year (2022), against 0.02 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 -
Bring your UBO register up to date
The KBO records a strike-off over the UBO register (11 April 2025). Whoever looks you up sees it under Signals. A complete UBO registration with the FPS Finance lifts 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.