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Rating-model

AAA-Rating is an automatic, constantly updated creditworthiness rating system. By systematically collecting and analysing information concerning activity, background, finances and payment behavior, it evaluates the creditworthiness of a company and its ability to handle obligations related to normal business operations. As the AAA-Rating is automatically updated, its information is more real-time than that of any other creditworthiness Rating. As it is mechanically produced, it is always objective and facilitates comparisons between companies.

AAA Rating-model

Business Rating Categories

AAA Highest Creditworthiness
AA Good Creditworthiness
A Creditworthy
AN New Company with positive background
Not Rated

B Credit against securities
C Credit rejected


Part judgements

Output values of Operation

Well established
History more than 2 periods, active according to tax authorities
Newly established
History less than 2 periods, active according to tax authorities
Activity unconfirmed
Registered by Companies House, activity not confirmed by tax authorities
Passive
Aikaisemmin aktiivinen, nyt verohallinnon vahvistus asiasta puuttuu
Liquidation
Status according to Companies House or tax authorities
Dissolved Status according to Companies House or tax authorities


Output values of Background

Positive
Positive parent company or group, wide ownership etc.
Not negative
Credit history of responsible persons positive
Neutral

Foreign parent company or responsible persons missing IDs

Negative
Parent company’s rating or credit history of responsible persons negative
Not rated
Board and other responsible persons missing


Output values of Finance

Good

Financial ratios excellent

Satisfactory

Financial ratios better than average

Acceptable

Financial ratios average

Neutral

Financials available older than 24 months

Not rateable

Financial analysis not possible because of nature of the business(banks, insurance companies etc)

Unsatisfactory

Financial ratios worse than average

Weak

Financial ratios poor, equity ratio often negative


Output values of Ability to pay

Positive

No payment remarks, trade experiences positive (>72)

Not negative

No payment remarks, fresh trade experiences missing

Slightly negative

Old payment remark or Paydex 60-72

Negative

Payment remarks or Paydex 40-59

Very negative

Several payment remarks or Paydex <40

Tulosta

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