TBFTECH
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 processed accounts are too old to base a score on. A recent filing brings your score back.
- 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.
- 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.
- Annual accounts not filedThe financial year that closed on 31-03-2025 was due at the National Bank by 31-10-2025. Nothing is on record, 331 days later.
- Filed more than 90 days lateThe financial year that closed on 31-03-2024 was due by 31-10-2024 and was filed on 06-02-2025, 98 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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File your annual accounts for the year to 31 March 2025
The statutory deadline passed on 31 October 2025; the accounts are now 331 days late. Until they are filed, whoever looks you up sees no recent figures and a missing filing.
See it in your dossier -
Strengthen your equity
Your equity was -€14,500 on 31 March 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 -
Keep your short-term debts in hand
Your current assets cover 0.43 times your debts due within a year (2024), against 0.70 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.