The knowledge base on credit, tenders and risk.
Practical guides and explanations that help you make safer decisions – from payment remarks to tender documentation.
How a company credit score is calculated
Which factors are weighted when a company gets a score from 1 to 100 – and what moves it up or down.
What is a payment remark?
When it arises, how long it lasts, and how it affects the assessment of a company.
Five signs that a customer may default
Practical signals you can watch in the finances before a loss occurs.
Score and rating – what do the numbers mean?
An explanation of the scale from 1 to 100 and the rating from C to AAA, and what lies behind them.
Credit scores for individuals – how they work
What sets personal and corporate scores apart, and which information goes into them.
The key figures that decide creditworthiness
Liquidity, solidity and profitability – how to read the figures that matter most.
Bankruptcy risk – what the models actually measure
How the probability of bankruptcy within 12 months is calculated, and how to use it.
Roles and beneficial owners
Why the board, signing authority and ownership structure are part of the credit picture.
How to set a safe credit limit
A simple approach to how much outstanding credit a customer should be given.
How to use a credit report in tenders
What contracting authorities look for, and how to document creditworthiness cleanly.
Documentation that strengthens your bid
Which attachments give the contracting authority confidence – and how to keep them up to date.
Credit-checking new customers – a checklist
Six steps for assessing a new customer before you extend credit or sign.
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