The D&B Rating is a recognised assessment indicator of the
financial strength and the accompanying risk. The Rating consists of
two parts: the Financial Strength code (based on the net capital and
reserves) and the Risk Factor (1 to 4) to indicate the risk. For
each country D&B looks at which factors are the most important for
risk assessment and company bankruptcies. The analysis method is
universal and this means that each D&B Rating enables international
comparison even though it has been determined country specific.
The D&B
Failure Score is also a predictive indicator for
company bankruptcies. With the D&B Bankruptcy Score the risk scale
of 1 to 4 of the D&B Rating is refined to a scale of 1 to 100. The
higher the D&B Bankruptcy Score, the better the status of that
company and the smaller the likelihood that this company will cease
its activities within the next 12 months.
The D&B
Payment Score gives an objective assessment of the speed
with which a company pays its invoices. This score, calculated by
computer, corresponds with the average number of days after the due
date (or the number of days within the credit term) for each company
individually. The payment experiences that we receive regularly via
the Dun Trade Programme from independent companies form the basis of
the D&B Payment Score.
