From raw filings to decisions
The National Bank of Belgium publishes the annual accounts of hundreds of thousands of companies every year. It's a goldmine for anyone who needs to decide whom to do business with: accountants, banks, B2B buyers, investors, recruiters. The catch is that this data lands as XBRL filings or scanned balance sheets — neither directly readable.
Ratios computed automatically
Our engine pulls the accounts filed with the NBB, normalizes them, and computes a series of useful indicators:
- Liquidity ratios — working capital, net cash, current ratio.
- Solvency ratios — equity over total assets, debt ratio.
- Profitability ratios — net margin, ROA, ROE.
- Multi-year trend — revenue, net result, headcount, equity over the last three financial years.
Everything is computed once and cached. Follow-up calls are instant.
Company-size classification
Belgian law (article 1:24 CSA) classifies micro / small / medium / large companies on three criteria: total balance sheet, revenue, average headcount. A company falls into a category when it exceeds at least two of the three thresholds over two consecutive years.
Our engine applies the rule automatically and displays the category via a badge on the company page. This drives accounting obligations (abridged, full, consolidated schema) and shapes commercial strategy.
Embedded charts
Each report contains SVG charts rendered inline, with no client-side JavaScript dependency: revenue trend, cost breakdown, cash curve. The PDF stays light and prints cleanly without artefacts.
The PDF report
One click from the company page and you download a ~10-page PDF aggregating:
- Administrative identity (BCE, address, legal form).
- Financial summary (three years).
- Commented key ratios.
- Trend charts.
- Size classification.
- Traceability mentions (NBB source, extraction date).
The document you can send to your credit committee, attach to a partnership file, or drop into an audit folder.
Who is it for?
- Accountants and bookkeeping firms — onboard a new file in ten minutes instead of a day.
- Banks and credit institutions — pre-score a file before instruction.
- B2B purchasing and large-account teams — avoid surprises on a strategic supplier.
- Due diligence firms — save time on raw collection, focus on analysis.
Known limits
Filed accounts reflect the company at the closing date — not in real time. For volatile sectors (retail, construction), complement with other signals: the payment risk score we expose via the API, or BCE monitoring alerts (status, insolvency procedures, director changes).
