No, we have not changed scorecards for all countries.
We are launching new scorecards for a number of countries over the next year. Our anticipated timeline is as follows:
Netherlands: October 2018
Germany: September 2019
Sweden: October 2019
United Kingdom: December 2019
Belgium: 2020
France: 2020
You will NOT need to make any changes to your Creditsafe account, app or API when the new scorecard is launched. All changes will be implemented automatically.
It is perfectly normal for Credit Reference Agencies to update and change their scorecards every now and again. As new information becomes available, we must seize the opportunity to utilise this data and improve predictability further.
We must also be vigilant in tracking marketplace trends and make sure that our predictive models are reflective of current developments. With constant changes to economic, social and political climates, some of the indicators that are predictive of failure today are likely to change in the years to come.
Creditsafe continually enhances our scorecards to reflect the current risk factors that have emerged within the local economies. Assessing the entire business population, we have refined and confirmed what indicators commonly hold for commercial stability, and what is predictive of a company heading into hardship
The Creditsafe scorecards are built to assess the entire business population of the country in question, utilising Creditsafe owned data as well as third party data.
Our assessment of this data produces a score which reflects the likelihood of business failure within the next 12 months. In addition, the Limit Solution is designed to offer a recommended maximum amount of credit to be extended to this business based on numerous financial factors.
Our scorecards are built to compliment any business, however, we do also offer bespoke analytical services. Naturally, all businesses have unique business models, strategies and objectives. In order to help businesses gain greater clarity over their commercial landscape and opportunities, our world-leading analytical team have been commissioned to build a number of bespoke analytical models for companies in many countries.
For further details on our bespoke services please reach out to your dedicated account manager.
Unik risk
Med hjälp av våra tillförlitliga scoremodeller kan riskbedömningen göras med högsta möjliga precision.
Fler företag får rating
Väljer du som kund att fortsatt ha din avslagsgräns vid 40 kommer du att godkänna fler kunder men ändå ta en lägre risk än tidigare, ca 2,99 % risk mot tidigare 5, 31 %
Separerar bra från dåliga
Den nya scoremodellen separerar och hittar de dåliga företagen bättre med mer precision.
Fler företag till lägre risk
Väljer du som kund att fortsatt ha din avslagsgräns vid 40 kommer du att godkänna fler kunder men ändå ta en lägre risk än tidigare, ca 2,99 % risk mot tidigare 5, 31 %
Ratingen prognostiserar sannolikheten för insolvens inom 12 månader. Creditsafe utgår från följande kriterier för att definiera ett aktiebolag som insolvent:
» Konkurs
» Konkursansökan
» Företagsrekonstruktion
» Utmätningsförsök
CCJs
Audit Qualification
Director Changes
Industry
Payment Data
Financials Filed
Linked Companies
Business Size
Vid frågor, kontakta oss gärna på 031-725 50 50 eller support@creditsafe.se.
