VLM Construct
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.
- Liquidity weakDebts due within a year: 106% of total assets.
- Profitability weakNet result: -47.9% of total assets; operating margin: -183% of turnover.
- Solvency weakEquity is -6% of total assets.
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.
- Limited track recordThis company has not been active as long as an established one and statistically fails somewhat more often.
- 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 2024 annual accounts show negative equity and a net loss.
- Annual accounts not filedThe financial year that closed on 30-09-2025 was due at the National Bank by 30-04-2026. Nothing is on record, 149 days later.
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 30 September 2025
The statutory deadline passed on 30 April 2026; the accounts are now 149 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 -€337 on 30 September 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 0.37 times your debts due within a year (2024), against 0.94 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.