SWEETY CLOUD
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.
Your latest accounts carry too few figures to compute a score. Small companies may file abbreviated accounts without turnover; ratios are then missing.
- Bankruptcy probability weakA high bankruptcy probability 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.
No sector comparison for your latest year: there are no processed figures, or your sector has too few filed accounts for a fair comparison.
See your accounts in the dossierWhat 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.
- Recent warning signalsThe last 24 months brought warning signals in the Staatsblad or the KBO, and those often pile up before a bankruptcy.
- Higher-failure-rate regionIn this region companies fail more often than in the rest of the country.
- Young companyA young company has little track record yet and statistically fails more often than an established one.
- Ex-officio strike-offThe KBO struck this company off ex officio, which points to unmet obligations and often precedes a bankruptcy.
- Administrative warnings in the KBO publications2 publications by the FPS Economy about this company, such as a strike-off for address, accounts or UBO, or their withdrawal.
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.