REFRITEC
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.
- Liquidity averageDebts due within a year: 51.2% of total assets.
- Profitability strongNet result: 38.8% of total assets; operating cash result covers interest charges 166.3 times.
- Solvency strongEquity is 48.8% of total assets.
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.
- Higher-failure-rate sectorIn this sector companies fail more often than the Belgian average.
- Higher-failure-rate regionIn this region companies fail more often than in the rest of the country.
- Annual accounts: weaker financial profileThe latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
- Limited track recordThis company has not been active as long as an established one and statistically fails somewhat more often.
- Filed more than 90 days lateThe financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 24-03-2026, 236 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.
Your dossier shows no urgent improvement point. Keep filing your accounts on time, so whoever looks you up sees recent figures.
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.