STUPA
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.
- Filing weakA confirmed filing finding caps the score.
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.
- Weak solvency vs sectorSolvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 3320 sector peers (2024).
- Filed more than 90 days lateThe financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 13-05-2026, 286 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.
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Strengthen your equity
Your equity was -€87,300 on 31 December 2024: 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
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.