For the self-employed
Know whether your customer can pay before you deliver
Search a company by name or VAT number and see the Health score from 1 to 5, calculated on the annual accounts filed with the National Bank. No accountant or prior knowledge needed.
Patisserie Vandromme NV
BE 0456.123.789
ActiveVery low risk
Turnover
€2.4M
Profit
+€180K
Solv.
42%
Financially healthy
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Confidence in uncertain business decisions
For self-employed professionals who want to see official figures before taking on a customer or supplier.
Problem
- Uncertainty about the financial health of clients or partners.
- Difficulty finding up-to-date official figures.
- Manual and time-consuming research across multiple sources.
- No accountant or financial knowledge to interpret figures correctly.
- Unexpected payment defaults due to risky clients.
Solution
- Check a company's financial health with the figures from the National Bank.
- Search by name or VAT number and instantly get official data.
- The Health score from 1 to 5 sums up solvency, liquidity and profitability.
- Get alerts for new filings or changes in board members.
- View profit, debts and equity per financial year.
- Follow customers or partners in your watchlist.
- No accountant needed: the score and the colour code say enough.
COMPANY LOOKUP
Know who you're doing business with
Look up any European company by enterprise number or name. Get a single overview of financial health, directors, and key figures, ideal before sending a quote or signing a contract.
- Instant results
- Enter a VAT number or company name and immediately receive the full company profile including address, activities, and legal form.
- Key figures per financial year
- Turnover, profit, equity and debts per financial year. Small companies file an abbreviated schema without turnover; you then see the gross margin.
- Directors & mandates
- See who is at the helm, what other mandates they hold, and whether there have been any recent changes.
HEALTH SCORE
Assess financial health in a single score
The Health score sums up the last three annual accounts in one score from 1 to 5, based on solvency, liquidity and profitability. That tells you whether a potential customer or partner is financially stable.
- Score from 1 to 5
- A composite score based on solvency, liquidity, and profitability, easy to interpret, even without a financial background.
- Trend over time
- Track how a company's score evolves across fiscal years. Spot trends or warning signs before they become problems.
- Sector comparison
- See how a company scores relative to its peers. Useful to judge whether a score is strong or cause for concern.
WATCHLIST
Monitor clients and partners automatically
Add customers and partners to your watchlist and receive an email every morning when new annual accounts are filed or a director changes.
- An email every morning
- Follow your customers in the watchlist and get an email every morning when new annual accounts are filed or a director changes.
- Filter by risk
- See all your followed companies in one place with their Health score. Filter by risk: only the high-risk companies, or only the healthy ones.
- Find new companies
- With alert rules you also find new companies that match your criteria, for example new companies in your sector and region.
COMPANY REPORT
Download a complete company report as PDF
Download a PDF report per company with key figures, ratios, directors and publications.
- Full overview
- The report includes financial key figures, ratio analyses, director information, publications and risk signals. All in one document.
- Instant download
- Generate the report with one click and download it directly as PDF. No waiting time, no extra steps.
- Official sources
- All data in the report comes from official sources: the National Bank of Belgium, the CBE, the Belgian Official Gazette and the INPI, with the source cited for every figure.
How does Jaarrekening.be help the self-employed?
What you see before taking on a customer or supplier.
Financial health check
The Health score from 1 to 5 and the colour code show whether a customer or partner is financially healthy.
Risk indicator
Every company gets a risk label from very low to very high, derived from the Health score.
No expertise needed
Understand the financial situation of any company without an accounting background.
Search any company
Find any company by name or enterprise number and view key figures instantly.
Automatic alerts
Receive an email every morning when a followed company files new annual accounts or changes director.
Clear reports
Download readable company reports to share with partners or advisors.
Frequently asked questions
How do I check whether a customer can pay?
Search for the company by name or VAT number. On its page you see the Health score from 1 to 5, equity, debts and the profit or loss of the last financial years, taken directly from the annual accounts filed with the National Bank. A low score or negative equity is a reason to invoice up front or ask for a deposit.
Is Jaarrekening.be free?
With a free account you can view 5 company profiles per week. To view more companies, keep lists or receive notifications, you can try Pro free for 7 days, no credit card required.
What can I see about a sole trader?
A sole trader does not file annual accounts with the National Bank, so there are no figures or Health score. You do see the CBE data: address, activities, VAT status, start date and legal status.
Ready to start?
Get instant access to official annual accounts, company directors, and credit information for European businesses. No prior knowledge required.
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