Creditworthiness: Companies & Consumers

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Afbeelding Creditworthiness:
The credit webservices of Dun&Bradstreet and Graydon provide a fast insight into the financial situation of companies. Company characteristics are available real-time, including payment behaviour, credit score, group structure and directors.

The creditworthiness of consumers is validated by means of the consumer risk check. By means of this check companies are able to check decisions regarding deferred payment, hire purchase, provision of credit or the assessment of payment ethics.

A summary of the most important data and applications is provided below.

Companies

Business credit check of Graydon

The most important financial data is available for more than one million companies in The Netherlands. Besides supplying more than 200 company elements, this service provides a management summary that analyses the company concerned. Within a few seconds you  have a complete overview of the financial situation of your business relation.

Management summary

This is a snapshot of the financial situation of the company. The management summary is provided as a PDF document and contains a concise summary of the financial status of an enterprise. This enables you to assess at a glance the creditworthiness of a new or existing business relation.

Most important elements of the report:

  • Risk of insolvency
  • PD rating (credit score)
  • Company details
  • Payment behaviour over the past six months
  • Company structure (group relations)
  • Directors
  • Liability
  • Financial ratios (quick, current, cash flow)
  • Liquidity
  • Solvency
  • Notifications

Consumers

Risk check

A risk score can be determined by entering the data of a person (such as his/her complete name and postcode + house number). The score enables a company to decide how to do business with the person concerned. Will the person pay in advance, or pay on account? The consumer risk check is usable for all kinds of consumer analyses. The analyses can be at the level of person, address or neighbourhood. Marketing decisions can be taken on the strength of these analyses.

Privacy

Each person registered in the credit check is aware that he/she is in this database. There is careful compliance with the rules concerning the protection of personal data and the code of financial information providers.

Companies

Quickcheck of Dun & Bradstreet

Besides the detailed report of Graydon, there is also a compact service available containing data of Dun&Bradstreet. Data of numerous European countries can be obtained. This webservice offers information including:

  • Creditworthiness company and comparable companies
  • D&B credit score
  • Advice maximum level of credit
  • Profit and net worth
  • Special financial or legal situations
  • Founding year
  • Company structure
  • Company details

Look here for a comparison between the various creditworthiness services of companies.

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