Credit assessment
Business credit score
A business credit score is an analysis of available data describing a company's payment ability and risk. It is used by banks, suppliers, customers and clients to make decisions about credit, contracts and partnerships.
The basis for the score
What can a credit score be based on?
The credit score is an analysis of creditworthiness based on available data from public registers and commercial data sources. Different providers may weight factors differently.
Payment history
01Registered payment remarks and debt collection cases are among the heaviest negative factors in a credit assessment.
Financial figures
02Solvency, liquidity, profitability and equity are analysed from submitted annual accounts and other financial data.
Company status
03Age, legal form, roles and any historical changes to the company contribute to the overall picture.
Debt ratio and exposure
04The ratio of debt to equity gives insight into how vulnerable the company is to market changes.
Important to understand
Data sources are not the same as assessment
Data sources
The raw facts: accounts, roles, register data and payment history retrieved from public registers and relevant data sources.
Credit assessment
Kredittdata's analysis of this data — weighted into a single score and rating. It is not an official rating from authorities.
Who uses credit scores
When is a credit score relevant?
Tenders and public contracts
Creditworthiness may be part of the assessment of whether a supplier meets financial capacity requirements.
Supplier agreements
A potential supplier may be asked to document their financial solidity before a long-term agreement is concluded.
Bank financing
Banks and financial institutions partly base credit assessments on the credit score and the underlying analysis.
Customer relations and credit terms
Companies selling on credit often assess the counterparty's credit score before offering invoice or instalment arrangements.
Related pages
Explore further
Business credit report
Order a complete report with credit score and financial analysis.
Credit badge – show creditworthiness externally
Add a verified credit badge to your website and proposals.
Data sources and methodology
See which registers and data are used in the assessment.
See sample report
See what a credit report contains before ordering.
Pricing
See prices for credit report, credit badge and monitoring.
Credit report for supplier agreements
Document solidity to suppliers and business partners.