UL3
ActiveSummary
UL3 has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €5.6m and a net result of €1.0m. Equity is growing by ~7.6% per year across the filed fiscal years. Its solvency ranks better than 50% of 3267 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability81▲+55
Solvency78▲+6
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €220,000 at 30 days acceptable
Liquidity short (current ratio 0.22 against 0.06 in 2024; short-term debt: 47.3% and cash: 9.9% of total assets), and 47.3% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
52.7%
Return on assets
9.6%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 09-06-2026, 52 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
52 d early
2024
29 d early
2023
12 d early
2022
27 d early
2021
30 d early
2020
36 d early
2019
16 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 29 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. Usually files around 2 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, full schema
Turnover
€2.2m
EBIT margin
77.4%
Net result
€1.0m▲ 779%
2024 · €116,605
Working capital
-€3.9m▲ 20.8%
2024 · -€4.9m
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€2.2m
Operating result€1.2m▲ 16.5%€1.3m▲ 10.5%€1.2m▼ 9.6%€4.3m▲ 277%€1.7m▼ 60.7%
Net result€314,462above the sector's middle half▼ 3.5%€291,581above the sector's middle half▼ 7.3%€194,118above the sector's middle half▼ 33.4%€116,605within the sector's middle half▼ 39.9%€1.0mabove the sector's middle half▲ 779%
EBIT margin77.4%
Equity€4.0mabove the sector's middle half▲ 8.6%€4.3mabove the sector's middle half▲ 7.3%€4.5mabove the sector's middle half▲ 4.5%€4.6mabove the sector's middle half▲ 2.6%€5.6mabove the sector's middle half▲ 22.4%
Total assets€14.4mabove the sector's middle half▲ 2.9%€14.8mabove the sector's middle half▲ 2.6%€15.1mabove the sector's middle half▲ 1.9%€9.8mabove the sector's middle half▼ 34.8%€10.6mwithin the sector's middle half▲ 8.2%
Debt€21,299▲ 19.2%€20,385▼ 4.3%€20,271▼ 0.6%€5.2m▲ 25,761%€5.0m▼ 4.2%
Working capital€4.8mabove the sector's middle half▲ 11.9%€5.2mabove the sector's middle half▲ 8.1%€5.5mabove the sector's middle half▲ 5.6%-€4.9mbelow the sector's middle half-€3.9mbelow the sector's middle half▲ 20.8%
Solvency27.6%within the sector's middle half▲ 1.4pp28.9%within the sector's middle half▲ 1.3pp29.6%within the sector's middle half▲ 0.7pp46.6%within the sector's middle half▲ 17.0pp52.7%within the sector's middle half▲ 6.1pp
Current ratio0.06below the sector's middle half0.22below the sector's middle half▲ 0.16
Return on assets (ROA)2.2%within the sector's middle half▼ 0.1pp2.0%within the sector's middle half▼ 0.2pp1.3%within the sector's middle half▼ 0.7pp1.2%within the sector's middle half▼ 0.1pp9.6%within the sector's middle half▲ 8.5pp
above
within
below
the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings.
Why a figure moved sharply
- 2025 Net result +779% on 2024. The accounts now follow the full schema, last year the abbreviated schema.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 61% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €10.6m
Fixed assets
€9.5m =
Current assets
€1.1m ▲ 262%
Equity and liabilities €10.6m
Equity
€5.6m ▲ 22.4%
Debt
€5.0m ▼ 4.2%
Debt's share of the balance-sheet total falls from 53.4% to 47.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€1.7m▼
2024 · €4.4m
Cash flow
€1.0m▲
2024 · €127,740
Debt to equity
0.90▼
2024 · 1.15
ROE
18.3%▲
2024 · 2.5%
Interest coverage
4.86▲
2024 · 0.68
Debt ≤ 1 year
€5.0m▼
2024 · €5.2m
Income taxes
€335,376▲
2024 · €201,543
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Operating income70/76A | - | - | - | - | €2.2m | - |
| Turnover70 | - | - | - | - | €2.2m | - |
| Other operating income74 | - | - | - | - | €1,650 | - |
| Operating charges60/66A | - | - | - | - | €497,782 | - |
| Services and other goods61 | - | - | - | - | €494,627 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €11,135 | €11,135 | €11,135 | €11,135 | €1,856 | ▼ 83.3% |
| Other operating charges640/8 | €1,584 | €1,491 | €1,471 | €1,214 | €1,299 | ▲ 7.1% |
| Gross operating margin9900 | €1.2m | €1.3m | €1.2m | €4.4m | - | - |
| Operating profit (loss)9901 | €1.2m | €1.3m | €1.2m | €4.3m | €1.7m | ▼ 60.7% |
| Financial income75/76B | €146,705 | €103,015 | €118,985 | €2.3m | €7,904 | ▼ 99.7% |
| Recurring financial income75 | €146,705 | €103,015 | €118,985 | €2.3m | €7,904 | ▼ 99.7% |
| Income from current assets751 | - | - | - | - | €7,904 | - |
| Financial charges65/66B | €897,515 | €984,858 | €1.0m | €6.4m | €351,633 | ▼ 94.5% |
| Recurring financial charges65 | €897,515 | €984,858 | €1.0m | €6.4m | €351,633 | ▼ 94.5% |
| Debt charges650 | - | - | - | - | €351,152 | - |
| Other financial charges652/9 | - | - | - | - | €480 | - |
| Profit (loss) for the period before taxes9903 | €401,222 | €391,295 | €264,414 | €318,148 | €1.4m | ▲ 328% |
| Income taxes67/77 | €86,760 | €99,714 | €70,296 | €201,543 | €335,376 | ▲ 66.4% |
| Taxes670/3 | - | - | - | - | €340,376 | - |
| Tax adjustments and reversals of tax provisions77 | - | - | - | - | €5,000 | - |
| Profit (loss) for the period9904 | €314,462 | €291,581 | €194,118 | €116,605 | €1.0m | ▲ 779% |
| Profit (loss) for the period to be appropriated9905 | €314,462 | €291,581 | €194,118 | €116,605 | €1.0m | ▲ 779% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €14.4m | €14.8m | €15.1m | €9.8m | €10.6m | ▲ 8.2% |
| Fixed assets21/28 | €9.5m | €9.5m | €9.5m | €9.5m | €9.5m | = |
| Tangible fixed assets22/27 | €35,261 | €24,126 | €12,991 | €1,856 | - | - |
| Furniture and vehicles24 | €35,261 | €24,126 | €12,991 | €1,856 | - | - |
| Financial fixed assets28 | €9.5m | €9.5m | €9.5m | €9.5m | €9.5m | = |
| Affiliated companies280/1 | - | - | - | - | €9.5m | - |
| Participating interests280 | - | - | - | - | €9.5m | - |
| Current assets29/58 | €4.9m | €5.2m | €5.5m | €307,076 | €1.1m | ▲ 262% |
| Amounts receivable within one year40/41 | €105,082 | €219,582 | €148,652 | €69,629 | €58,972 | ▼ 15.3% |
| Trade receivables40 | - | €121,000 | €121,000 | - | - | - |
| Other amounts receivable41 | €105,082 | €98,582 | €27,652 | €69,629 | €58,972 | ▼ 15.3% |
| Current investments50/53 | €3.8m | €3.8m | €4.3m | €0 | - | - |
| Cash at bank and in hand54/58 | €906,367 | €1.2m | €1.1m | €237,446 | €1.1m | ▲ 343% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €14.4m | €14.8m | €15.1m | €9.8m | €10.6m | ▲ 8.2% |
| Equity10/15 | €4.0m | €4.3m | €4.5m | €4.6m | €5.6m | ▲ 22.4% |
| Contributions10/11 | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Capital10 | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Issued capital100 | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Reserves13 | €3.5m | €3.5m | €3.5m | €3.5m | €3.5m | = |
| Non-distributable reserves130/1 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Legal reserve130 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Tax-exempt reserves132 | €18,750 | €18,750 | €18,750 | €18,750 | €18,750 | = |
| Distributable reserves133 | €3.5m | €3.5m | €3.5m | €3.5m | €3.5m | = |
| Profit (loss) carried forward14 | €388,074 | €679,655 | €873,773 | €990,378 | €2.0m | ▲ 103% |
| Provisions and deferred taxes16 | €10.4m | €10.5m | €10.6m | - | - | - |
| Provisions for liabilities and charges160/5 | €10.4m | €10.5m | €10.6m | - | - | - |
| Other liabilities and charges164/5 | €10.4m | €10.5m | €10.6m | - | - | - |
| Amounts payable17/49 | €21,299 | €20,385 | €20,271 | €5.2m | €5.0m | ▼ 4.2% |
| Amounts payable within one year42/48 | €21,299 | €20,385 | €20,271 | €5.2m | €5.0m | ▼ 4.2% |
| Financial debts43 | - | - | - | €5.0m | €5.0m | = |
| Other loans439 | - | - | - | €5.0m | €5.0m | = |
| Trade debts44 | €458 | - | €734 | €65,000 | - | - |
| Suppliers440/4 | €458 | - | €734 | €65,000 | - | - |
| Taxes, remuneration and social security45 | €20,841 | €20,385 | €19,536 | €177,205 | €19,533 | ▼ 89.0% |
| Taxes450/3 | €20,841 | €20,385 | €19,536 | €177,205 | €19,533 | ▼ 89.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €314,462 | €291,581 | €194,118 | €116,605 | €1.0m | ▲ 779% |
| + Depreciation and write-downs630 | €11,135 | €11,135 | €11,135 | €11,135 | €1,856 | ▼ 83.3% |
| Operating cash flow (approximation) | €325,597 | €302,716 | €205,253 | €127,740 | €1.0m | ▲ 704% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €0 | - |
| Change in cash | - | €276,019 | -€86,354 | -€858,586 | €814,605 | ▲ 195% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
26-06
State Gazette act
Resignations: Claver (director) and Luc Vereycken (director)Permanent representatives: Ilse Verstrepen and Luc Vereycken · Appointments: Léonard Adryan de Looff, John Theo Anton Reynders and InSolutions · Statutes amendment14 facts ▸
State Gazette act
Resignations: Claver (director) and Luc Vereycken (director)
Permanent representatives: Ilse Verstrepen and Luc Vereycken · Appointments: Léonard Adryan de Looff, John Theo Anton Reynders and InSolutions · Statutes amendment14 facts ▸
- General meeting, 02-06-2026
- Other statement, 17:00, overgangsbepaling
- Statutes amendment
- Capital, €100.000
- Other statement, volmacht voor coördinatie, VIJFDE BESLISSING
- Power of attorney
- General meeting, schriftelijke besluiten van enige aandeelhouder, enige aandeelhouder
- Director resignation, Claver (director)
- Permanent representative, Ilse Verstrepen (permanent representative)
- Director resignation, Luc Vereycken (director)
- Director appointment, Léonard Adryan de Looff (director)
- Director appointment, John Theo Anton Reynders (director)
- +2 further facts in this act
09-06
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Highest result since 2018net €1.0m ▲779%
Net result €1.0m, the highest in the series.
31-12
Financial
Equity above €5mEq €5.6m ▲22.4%
8 profitable years in a row build equity to €5.6m.
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Weakest financial yearnet €116,605 ▼39.9%
Net result drops to €116,605, the lowest in the series; recovery starts the following year.
19-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
04-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
01-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
25-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
15-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
07-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
22-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
11-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 7 acts read
About the unread acts
Of the 7 Belgian State Gazette acts we know for this company, 1 has been read. The other 6 have not been read yet: what they contain is neither established nor disproved here.
Have them read with priority
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Directors · office · real estate
Directors
under verification, last change in 2026
This board is reconstructed from a single act (26339974). A Gazette act generally publishes only CHANGES, not a full roll call, so directors unchanged since then may be missing here. The KBO register holds the complete list of function holders.
Board 3
InSolutions
CurrentDirector · since 01-06-2026 · Public limited company · perm. rep.: Luc Vereycken
John Reynders
CurrentDirector · since 01-06-2026
Léonard Adryan de Looff
CurrentDirector · since 01-06-2026
Permanent representatives 1
Luc Vereycken
CurrentPermanent representative · since 01-06-2026 · for InSolutions
Derived from published Gazette acts. The CBE keeps the official list of function holders; we do not read it, so the two can differ.
See the function holders in the CBE →
Not every act has been read: a resignation may be missing here
6 of this company's 7 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Kontich · 1 establishment unit since 1991
Ground area
2,188 m²
Building footprint
330 m²
Volume, LiDAR
4,133 m³
Parcel 11024B0079/00C000, Flanders · tallest building 15.2 m, ±4 floors. Linked by address, not a title deed.
14
companies at this address
See who is registered here
1 establishment unit
UL3
since 19912.052.089.240
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11024B0079/00C000 | Flanders | 2,188 m² | 1 · 330 m² | 15.2 m · 4 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Mandate history
5 people since 2026, 3 in office
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| InSolutions |
|
| John Reynders |
|
| Léonard Adryan de Looff |
|
| Claver |
|
| Luc Vereycken |
|
Articles of association
Who signs
“DERDE BESLISSING: Wijziging van de externe vertegenwoordiging. De vergadering beslist de externe vertegenwoordiging van de vennootschap te wijzigen. De vergadering beslist bijgevolg artikel 20 van de oude statuten te wijzigen en te vervangen door de volgende tekst: “Onverminderd de algemene…”
Full text
DERDE BESLISSING: Wijziging van de externe vertegenwoordiging. De vergadering beslist de externe vertegenwoordiging van de vennootschap te wijzigen. De vergadering beslist bijgevolg artikel 20 van de oude statuten te wijzigen en te vervangen door de volgende tekst: “Onverminderd de algemene vertegenwoordigingsmacht van de raad van bestuur handelend als college, wordt de vennootschap ten aanzien van derden in feite en in rechte rechtsgeldig verbonden door twee bestuurders die gezamenlijk optreden. Binnen het kader van het dagelijks bestuur, is de vennootschap tevens geldig vertegenwoordigd door (een) gevolmachtigde(n) tot dit bestuur. De raad van bestuur mag bijzondere volmachten verlenen aan één of meer personen. De vennootschap wordt geldig vertegenwoordigd door deze bijzondere volmachtdragers binnen de grenzen van hun volmacht.”. Artikel 20: Vertegenwoordiging van de vennootschap Onverminderd de algemene vertegenwoordigingsmacht van de raad van bestuur handelend als college, wordt de vennootschap ten aanzien van derden in feite en in rechte rechtsgeldig verbonden door twee bestuurders die gezamenlijk optreden. Binnen het kader van het dagelijks bestuur, is de vennootschap tevens geldig vertegenwoordigd door (een) gevolmachtigde(n) tot dit bestuur. De raad van bestuur mag bijzondere volmachten verlenen aan één of meer personen. De vennootschap wordt geldig vertegenwoordigd door deze bijzondere volmachtdragers binnen de grenzen van hun volmacht.
Annual meeting
15 June at 17:00
Duration
Unlimited
Purpose
Het geheel van activiteiten met betrekking tot beroepsvoorzorg,assurantie en reassurantie,meer bepaald in de vorm van raadgeving,software ontwikkeling,en alle producten en diensten…
Full purpose (4 activities)
- Het geheel van activiteiten met betrekking tot beroepsvoorzorg,assurantie en reassurantie,meer bepaald in de vorm van raadgeving,software ontwikkeling,en alle producten en diensten die hiermee in verband staan.
- De vennootschap mag ook alle vertegenwoordigingen aanvaarden,zowel in binnen-als in buitenland,in verband met hogervermeld voorwerp.
- De vennootschap zal zich mogen interesseren door middel van inbreng,versmelting,deelname of anderszins in alle bestaande of op te richten vennootschappen en ondernemingen,zowel in België als in het buitenland,die een gelijkaardig voorwerp nastreven of waarvan het voorwerp in innig verband met het hare staat.
- Zij zal zich mogen borgstellen of waarborgen geven tot zekerheid van verbintenissen door derden aangegaan of in voordeel van derden.
Name clause
Legal form clause
Naamloze vennootschap
Registered office clause
Vlaams Gewest, bij enkel besluit van het bestuursorgaan administratieve zetels,agentschappen,werkhuizen,stapelplaatsen en bijkantoren in België of buitenland;ex…
Dissolution rule
Artikel 4. Duur
Board rule
13, 6 jaar
Other statement
Bevoegdheden van de raad van bestuur, alle handelingen nodig of dienstig tot verwezenlijking van voorwerp
Raad bepaalt of zij alleen,dan wel gezamenlijk optreden, dagelijks bestuur
Toelating algemene vergadering, commissaris woont bij bij beraadslaging op grond van zijn verslag
Elke eigenaar van effecten door gevolmachtigde, vertegenwoordiging algemene vergadering
Stemrecht, meerderheid van stemmen ongeacht vertegenwoordigde effecten
Wettelijke bepalingen, bestemming winst
Liquidation rule
Ontbinding om welke reden en op welk ogenblik ook, bestuursorgaan in functie als college van vereffenaars bij gebrek benoeming
Artikel 38. Bevoegdheden van de vereffenaars
Liquidation distribution
Artikel 39. Wijze van vereffening
Structure & network
Owners and holdings
1 holdingOwners 0
The accounts to 31-12-2025 list no shareholders, and no other source names one.
Holdings 1
-
75.28%
According to the 2025 annual accounts of UL3 and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
3 current directorsThe group is listed under Ownership & control below; here you explore it as a network.
This company
Company
Director
Shareholding
+N: links not shown yet
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Capital and shareholders
Capital over the years
- 26-06-2026 Capital stated in the act · 100,000 EUR · 250 shares
Recognitions · licences · registrations
Legal Entity Identifier
967600V9GLWM1O6NA280
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BE 0825.854.139
Ukkel · Eq €5,617,307
Of 82,601 companies in this sector we hold annual accounts for 52,629. 10,429 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company details
Identification
Legal formPublic limited company
Founded01-03-1991
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
62100Computer programming
E-invoicing
Reachable via Peppol
Peppol ID
0208:0443482911
Also
9925:BE0443482911
Registered
05-01-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.