Checking the score

Checking the credit score
The most important keys that contribute to the check of the credit score of your company are liquidity, group structure, profitability, debt service ability, capital gearing, working capital, and public information on winding up, insolvency or dissolution, accounts irregularities, company size, company’s age, industry sector. For no limited business the characteristic keys are: business type, size of business, age of business, insolvency information.
The risk showed by the credit score for limited companies is:
Between 81 and 100 means very low risk: there is every confidence this company will prove good for the assigned limited credit.
Between 61 and 80 means low risk: there is a high degree of confidence this company will prove good for the assigned limited credit.
Between 51 and 60 means average risk: this company has an average risk status and should be treated with a degree of caution.
Between 41 and 50 means above average risk: assurances in the form of guarantees may be necessary especially if the limited credit assigned is required to be exceeded.
Between 26 and 40 means high risk: this company's limited credit should be regarded as an absolute limit and may require some form of guarantee.
Between 11 and 25 means very high risk: this company exhibits characteristics similar to companies who have generally failed although they tend to be less severe.
Between 0 and 10 means extreme risk: this company exhibits characteristics similar to companies who have generally failed.
The risk showed by the credit score for no limited companies is:
Between 81 and 100 means very low risk: there is every confidence this business will prove good for the assigned limited credit.
Between 61 and 80 means low risk: there is a high degree of confidence this business will prove good for the assigned limited credit.
Between 51 and 60 means average risk: this business has an average risk status and should be treated with a degree of caution. It may well be small and/or reasonably newly formed.
Between 41 and 50 means above average risk: this business is likely to be newly formed or may have an outstanding CCJ. Treat with caution and seek assurances in the form of guarantees of advance payment if the credit limit is exceeded.
Between 26 and 40 means high risk: this business is showing early signs of failure, such as one or two unsatisfied CCJs. Advance payment or enforceable guarantees are recommended.
Between 11 and 25 means very high risk: this business exhibits characteristics similar to those who have a high likelihood of failure, and has probably got at least 2 unsatisfied CCJs. Advance payment is recommended.
Between 0 and 10 means extreme risk: this business exhibits characteristics similar to businesses who have failed.
In practically all instances, the credit score is derived from a statistical analysis of publicly available information. If a business is late or abstains from meeting its information obligations (particularly in the case of incorporated businesses), then this will usually (negatively) impact its credit score.
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