PARD Consulting
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: -47.6% of total assets.
- Solvency strongEquity is 90.4% of total assets.
- Liquidity strongDebts due within a year: 9.6% of total assets; cash: 97.5%.
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.
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.
- Young companyA young company has little track record yet and statistically fails more often than an established one.
- Recent warning signalsThe last 24 months brought warning signals in the Staatsblad or the KBO, and those often pile up before a bankruptcy.
- No NACE activity registeredNo NACE activity is registered in the KBO, which is more common among companies that later fail.
- Ex-officio strike-offThe KBO struck this company off ex officio, which points to unmet obligations and often precedes a bankruptcy.
- 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.
- 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 accounts for 2026 before 31 July 2027
For 2025, your accounts arrived 35 days after the deadline. A punctual filing shows as such under Signals.
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 -
Have your registered office re-entered
The KBO records that your registered office address was struck (23 February 2026). 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.