LAYB
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: -9.5% of total assets.
- Solvency weakEquity is -9.5% of total assets.
- Liquidity weakDebts due within a year: 109.5% of total assets; cash: 24.3%.
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.
- 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.
- Higher-failure-rate sectorIn this sector companies fail more often than the Belgian average.
- Negative equityThe 2025 annual accounts show negative equity and a net loss.
- 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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Strengthen your equity
Your equity was -€463 on 31 December 2025: 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 -
Have your registered office re-entered
The KBO records that your registered office address was struck (16 May 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.