Products & Services

Credit Risk

The Credit Risk service utilizes Credit Scoring (nine different algorithms incorporating the guidelines of the Basel Committee and the European Union for ranking firms in credit risk zones and assessing their probability of default) which evaluate the qualitative and quantitative characteristics of the firm's clientele.

The aim of this service is to evaluate the characteristics of your clients, rate them into Credit Worthiness Zones – ICAP Score zones – and predict their probability of default.  Furthermore, it allows you to measure the cumulative credit risk to which you are exposed.

Credit Risk service is only available as a bundle with a Business report: Comprehensive, Standard, Compact and can also be combined with the Watch Service.

Watch Service

The Watch Service offers continuous monitoring on an annual basis and provides early warnings for any significant events or changes that have or may have an adverse effect on the credit assessment and/or financial position of the firms with which you are trading.

With the Credit Risk & Watch service, the Credit Risk analysis of your customer porftolio becomes dynamic, since all included companies are under daily monitoring and the risk analysis is recalculated whenever updated data occur.

1. Comprehensive Report & Watch

The Watch service is combined with the Comprehensive Report which is ideal when making higher-risk credit decisions, providing an instant snapshot of the company’s financial position with easy-to-read risk indicators, as well as detail pages that let you dig deeper. This Report includes detailed data on the subject company's commercial activity, registered seat and real estate assets, management and holdings in affiliated businesses, and associate banks, as well as comparison of its financial indicators against those of the sector and competitors.

Included Information:

  • Detailed company profile, including address and phone number, number of employees, net worth, shareholders, premises and more.
  • Detailed credit information and payment history.
  • Summary information on profitability, debts, assets and corporate relationships.
  • Comprehensive overview of a company’s operational history, including industries and areas of operation.
  • ICAP Score – a composite credit score of a firm’s financial strength and creditworthiness. Predicts the likelihood that a company will not pay on time over the next twelve months.
    ICAP Stars – an overview of a company's transactional behaviour during the last 5 years. 
  • Credit Limit Recommendation – ICAP assessment of how much credit you should extend to the company.
    Industry Comparison – a company’s business position compared to industry norms.
    Sector comparison and peer analyses, presenting the main financial indicators of the company against the sector's averages and peers; sector study.
    Financial analysis with 22 financial ratios and comments. The ratios are divided in 5 groups: Profitability Ratios, Evolution of the company elements from financial statements, Liquidity Ratios, Solvency Ratios and Activity Ratios.

2. Standard Report & Watch

The Watch service combined with the Standard Report which is ideal for making medium-to-higher risk credit decisions. While not as complete as our Comprehensive Report, this Business Information report does provide you with information on the company commercial activities, relationships, and comparison of its financial indicators against those of the sector and competitors, so as to evaluate the company as to its position in its sector.

Included Information:

  • Detailed company profile and statistics, including address and phone number, number of employees, net worth and more.
  • Detailed credit information and payment history.
  • Summary information on profitability, debts, and assets.
  • ICAP Score – a composite credit score of a firm’s financial strength and creditworthiness. Predicts the likelihood that a company will not pay on time over the next twelve months.
  • ICAP Stars – an overview of a company's transactional behaviour during the last 5 years. 
  • Credit Limit Recommendation – ICAP assessment of how much credit you should extend to the company.
  • Financial analysis with financial ratios and comments for the company.
  • Sector comparison and peer analyses, presenting the main financial indicators of the company against the sector's averages and peers; sector study.

 

3. Compact Report & Watch

The Watch service combined with the Compact Report which is a reliable source of information for taking medium-to-low risk credit decisions. While not as complete as our Comprehensive and Standard Reports, this Report does provide you with information on the company regarding the operation, profitability and stability.

Included Information:

  • Detailed company profile, including address and phone number, number of employees, net worth and more.
  • Summary information on profitability, debts, and assets.
  • ICAP Score – a composite credit score of a firm’s financial strength and creditworthiness. Predicts the likelihood that a company will not pay on time over the next twelve months.
  • ICAP Stars – an overview of a company's transactional behaviour during the last 5 years. 
  • Credit Limit Recommendation – ICAP assessment of how much credit you should extend to the company.
  • Financial Statement and the basic financial ratios of the company.
4. Basic & Watch
Besides the initial Basic alert report, it also provides ongoing monitoring and instant notification of important events or changes regarding the state, the activity and the transaction behavior of the firms you are trading with that have, or are likely to have, a negative effect on your partnership.
5. Standard & Watch
Besides the initial Standard alert report, it also provides ongoing monitoring and instant notification of important events or changes regarding the state, the activity and the transaction behavior of the firms you are trading with that have, or are likely to have, a negative effect on your partnership.
6. Quick Credit Profile & Watch
Besides the initial alert report Quick Credit Profile , it also provides ongoing monitoring and instant notification of important events or changes regarding the state, the activity and the transaction behavior of the firms you are trading with that have, or are likely to have, a negative effect on your partnership.
7. Quick Credit Profile & Track
Besides the initial report, it provides ongoing monitoring and instant notification of important events or changes regarding the state, the activity and the transaction behavior of the firms you are trading with that have, or are likely to have, a negative effect on your partnership.
The monitoring automatically stops upon receiving the first notification.
8. Standard Plus & Track
Besides the initial report, it provides ongoing monitoring and instant notification of important events or changes regarding the state, the activity and the transaction behavior of the firms you are trading with that have, or are likely to have, a negative effect on your partnership.
The monitoring automatically stops upon receiving the first notification.