PEMO
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.
Checked publishes no score for holdings and financial institutions: their accounts read differently from a trading company's.
Without a score, banks and suppliers mainly see your register data, your filings and the Gazette publications. They are below.
See the score in your dossierYour 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.
What you can do
Concrete steps, each based on a fact from your own dossier.
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Stay on time: file your accounts for 2026 before 31 July 2027
For 2025, your accounts were filed 29 days before the deadline.
See it in your dossier -
Strengthen your solvency
Your equity is 8.7% of total assets (2025); half your sector reaches at least 38.6%. You do better than 17% of 1,486 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 0.13 times your debts due within a year (2025), against 0.13 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
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.