For banks
Screen an SME file in minutes
For credit analysts, leasing companies and credit insurers: the Health score, ratios and directors of every Belgian company. Also available through the API for integration into your own scoring, with a monthly allowance per plan and additional packages.
Watchlist
12 companiesDaily e-mail
Brasserie Lemaire
New annual accounts filed
Retail De Wit
New Official Gazette publication
Goyens Transport
Director change
Sound familiar?
Screen an SME file without dissecting the annual accounts yourself
For credit analysts, leasing companies and credit insurers assessing Belgian SMEs.
Problem
- Fetching the annual accounts from the National Bank and calculating the ratios yourself, file by file.
- No view of the manager's other mandates or of the group behind the applicant.
- A deterioration at an existing client only surfaces at the annual review.
- Copying company data into your own scoring model by hand.
Solution
- A Health score from 1 to 5 per company, calculated on the last three annual accounts, plus a credit limit suggestion.
- Solvency, liquidity, profitability and debt ratio per financial year, with a comparison against the sector.
- Directors with all their mandates, shareholders and participations on one page.
- Put your portfolio in a watchlist and receive an e-mail every morning when there are new annual accounts, an Official Gazette publication or a director change.
- Retrieve the same data through the API, with a monthly allowance per plan and additional packages.
HEALTH SCORE
One score per company, calculation included
Every Belgian company with filed annual accounts receives a Health score from 1 to 5, calculated on the last three financial years: solvency weighs 40%, liquidity 30% and profitability 30%. Alongside it, a credit limit suggestion based on financial capacity.
- Health score
- From 1 to 5, on the last three annual accounts. You see which ratios determine the score.
- Credit limit suggestion
- An indicative amount based on equity, liquidity and result, as a starting point for your own decision.
- Signals
- Negative equity, loss-making years, weak liquidity, high debt ratio or high social security debts are listed separately.
KEY FINANCIAL FIGURES
The ratios per financial year, without calculating them yourself
Solvency, liquidity, profitability, debt ratio and more than 30 other ratios, calculated per financial year from the filed annual accounts. The sector comparison shows where the company stands against companies with the same NACE code.
- 30+ ratios
- From current ratio to net margin, calculated per financial year on the National Bank's figures.
- Several financial years
- The evolution of turnover, equity, cash flow and debts across financial years, side by side.
- Sector comparison
- Every ratio against the sector average, with the company's percentile (Pro).
| Financial ratios | 2024 | 2023 | 2022 | |
|---|---|---|---|---|
|
Solvability
|
|
42.1% | 38.7% | 35.2% |
|
Liquidity
|
|
1.85 | 1.62 | 1.54 |
|
Profitability
|
|
8.3% | 6.1% | 7.8% |
|
Turnover
|
|
€2.4M | €2.1M | €1.8M |
|
Long term debt ratio
|
|
57.9% | 61.3% | 64.8% |
DIRECTORS AND STRUCTURE
Who is behind the applicant?
Directors with their current and former mandates, shareholders and participations as published in the annual accounts, and every Official Gazette publication with its date. So you know the group behind an SME before you assess the file.
- Director mandates
- Every director with their other mandates, current and former, and the Health score of those companies.
- Shareholders and participations
- Who holds the shares and where the company itself holds participations, from the annual accounts.
- Official Gazette publications
- Appointments, resignations, registered office moves and amendments to the articles, with the publication date.
WATCHLIST
Follow your portfolio with a daily e-mail
Put the companies in your portfolio in a watchlist. Every morning you receive an e-mail when one of them files new annual accounts, appears in the Official Gazette or changes director. With Pro you can also set alert rules on financial criteria, for example negative equity.
- New annual accounts
- As soon as the National Bank processes annual accounts, you see the new figures and the new Health score.
- Official Gazette and board
- A new publication or a director change at a followed company is in your e-mail the next morning.
- Alert rules
- Up to five rules per Pro account, evaluated daily, for example on negative equity or weak liquidity.
What credit analysts use on Jaarrekening.be
For screening a new file and following the existing portfolio.
Health score
Score from 1 to 5 per company on the last three annual accounts, with a credit limit suggestion.
Key financial figures
Solvency, liquidity, profitability and debt ratio per financial year, with 30+ ratios.
Directors and mandates
Every director with their other mandates and the Health score of those companies.
Risk signals
Negative equity, loss-making years, weak liquidity, negative cash flow, high debt ratio, high social security debts or a changed legal status.
Watchlist
Put your portfolio in a watchlist and receive an e-mail every morning on new annual accounts, a publication or a director change.
API
Retrieve the Health score, ratios and company data through the REST API, with a monthly allowance per plan and additional packages.
Frequently asked questions
Is there an API?
Yes. Through the REST API you retrieve company data, annual account figures, ratios and the Health score as JSON, for integration into your own scoring or CRM. Every plan includes a monthly number of requests; if you need more, you buy additional packages. More about the API and pricing.
How is the Health score calculated?
The Health score runs from 1 to 5 and is calculated on the last three filed annual accounts. Solvency weighs 40%, liquidity 30% and profitability 30%. On the company profile you see which ratios determine the score. The score is a starting point for your analysis, not credit advice.
Which sources do you use?
Annual accounts come from the Central Balance Sheet Office of the National Bank of Belgium, company data and legal status from the CBE (Crossroads Bank for Enterprises), and publications from the Belgian Official Gazette. We process the National Bank's new extract every morning and synchronise with the CBE daily.
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