QUESTIONS AND ANSWERS
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Decision Score Company
Decision Score Company estimates a company's probability of default (commencement of bankruptcy proceedings, forced liquidation, insolvency and/ or composition) within 12 months.
The model contains integrated policy codes. These are elements that will be of importance for the giving of credit that go beyond the statistical probability.
When evaluating a sole proprietorship (type ENK) the probability of default (unsettled debt collection claim after 90 days) within 12 months is estimated.
When evaluating an enterprise with liability (type ANS) we will notify who has been appraised. When evaluating a person as the liable partner, the probability of default (unsettled debt collection claim after 90 days) is used.
When evaluating a company as the liable partner, the probability of default (commencement of bankruptcy proceedings, forced liquidation, insolvency and/ or composition) is used.
Decision Score 1 - Lowest creditworthiness
A company in this zone has a 15,3% chance of filing for bankruptcy, forced unwinding, insolvency and/or composition within 12 months.
Statistically the company has a 31% chance of receiving a payment remark within 12 months.
Decision Score 2 - Moderate risk: Major credits should be ensured
A company in this zone has a 4,1% chance of filing for bankrupcy, forced unwinding, insolvency and/or composition within 12 months.
Statistically the company has a 25% chance of receiving a payment remark within 12 months.
Decision Score 3 - Creditworthy
A company in this zone has a 1,7% chance of filing for bankrupcy, forced unwinding, insolvency and/or composition within 12 months.
Statistically the company has a 15% chance of receiving a payment remark within 12 months.
Decision Score 4 - High creditworthiness
A company in this zone has a 0,6% chance of filing for bankrupcy, forced unwinding, insolvency and/or composition within 12 months.
Statistically the company has a 6% chance of receiving a payment remark within 12 months.
Decision Score 5 - Highest creditworthiness
A company in this zone has a 0,1% chance of filing for bankrupcy, forced unwinding, insolvency and/or composition within 12 months.
Statistically the company has a 2% chance of receiving a payment remark within 12 months.