SEB Intern
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.
- Solvency weakEquity is -14.5% of total assets.
- Liquidity weakDebts due within a year: 100% of total assets; cash: 25.6%.
- Profitability averageNet result: -17.9% of total assets; operating cash result covers interest charges 5.3 times.
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 the year to 31 March 2026 are due before 31 October 2026.
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.
- 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.
- 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.
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 the year to 31 March 2026 before 31 October 2026
For 2025, your accounts were filed 0 days before the deadline.
See it in your dossier -
Strengthen your equity
Your equity was -€7,000 on 31 March 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 -
Keep your short-term debts in hand
Your current assets cover 0.50 times your debts due within a year (2025), against 0.55 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.