VIRCEL
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 3.6% of total assets.
- Liquidity averageDebts due within a year: 1.4% of total assets; cash: 2.9%.
- Profitability strongNet result: 2.7% of total assets; operating cash result covers interest charges 3468.7 times.
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.
- Young companyA young company has little track record yet and statistically fails more often than an established one.
- Higher-failure-rate regionIn this region companies fail more often than in the rest of the country.
- Weak solvency vs sectorSolvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 3210 sector peers (2025).
What you can do
Concrete steps, each based on a fact from your own dossier.
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Strengthen your solvency
Your equity is 3.6% of total assets (2025); half your sector reaches at least 53%. You do better than 10% of 3,210 sector peers. Keeping profit in the company or paying down debt raises it.
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.