In the Company health section you can view financial reports of your business partners, customers or suppliers, in the Financial data and scoring section.

You will get objective information about the economic credibility and creditworthiness of your business partners.

Financial reports

This is a function provided by our partner Dun & Bradstreet. The data is available to companies from all over the world (depending on the availability of data).

Procedure for obtaining financial data:

  1. For the selected company, go to the Company health overview
  2. In the Financial data with scoring section, select the "Get financial data" action
  3. The system will try to search for the selected company in the database of subjects - if it finds the company, you will confirm your choice by clicking on "Show data"
    1. the system tries to find the company by country and name (or in the Czech Republic and Slovakia also by Registration ID)
    2. the system can find more subjects by searching by name and country, then you choose a company to display financial data from the offered subjects
  4. The system displays financial data and scoring

Good to know

  • This is an premium service paid extra, from your account credit. The price is 1 EUR/USD for obtaining data for 1 subject in a given calendar year. This means that financial data updates for such a company are no longer paid in the given calendar year.
  • Data are obtained from different sources, their completeness and timeliness may be different.
  • CAFLOU displays the data provided by the partner (Dun & Bradstreet) for the given business subject.

What data is available in the reports:

  • Status
    • The entity's functional state or trading status summarized into either active or out of business.
    • Values:
      • Active
      • Out of business
  • Financial condition
    • Records details about the assessment of the overall financial condition of a subject.
    • Values:
      • Fair
      • Good
      • Strong
      • Unbalanced
  • Failure score
    • The details of the most recent scores assigned to the entity using a scoring model that helps predict the likelihood that the entity will seek legal relief from creditors or cease operations without paying all creditors in full within the next 12 months.
    • Values:
      • 1-5 (the lowest probability of failure is 1, the highest is 5)
  • Delinquency score
    • The details of the most recent scores assigned to the entity using a scoring model that helps predict the likelihood that the entity will pay its bills in a severely delinquent manner (90+ days past due) over the next 12 months.
    • Values:
      • 1-5 (the best payment morale is 1, the weakest is 5)
  • Standard rating
    • The Dun & Bradstreet Rating is a system that measures a firm’s size and composite credit appraisal, based upon information from a company’s interim or fiscal balance sheet and an overall evaluation of the firm’s creditworthiness.
  • Financial strength
    • The overall size of the entity from a financial perspective. It may be based on the net worth or issued capital of the entity; the higher the amount, the larger the entity is considered to be. 
    • Values:
      • Based on Net Worth (in USD)
        • 5A - Financial Strength of 60 + million
        • 4A - Financial Strength of 25 - 60 million
        • 3A - Financial Strength of 12 - 25 million
        • 2A - Financial Strength of 2.5 - 12 million
        • 1A - Financial Strength of 1.2 - 2.5 million
        • A - Financial Strength of 600,000 - 1.2 million
        • B - Financial Strength of 345,000 - 600,000
        • C - Financial Strength of 175,000 - 345,000
        • D - Financial Strength of 120,000 - 175,000
        • E - Financial Strength of 60,000 - 120,000
        • F - Financial Strength of 35,000 - 60,000
        • G - Financial Strength of 15,000 - 35,000
        • H - Financial Strength of 0 - 15,000
      • Based on Issued Capital Figure (in USD)
        • 5AA - Financial Strength of 60 + million
        • 4AA - Financial Strength of 25 - 60 million
        • 3AA - Financial Strength of 12 - 25 million
        • 2AA - Financial Strength of 2.5 - 12 million
        • 1AA - Financial Strength of 1.2 - 2.5 million
        • AA - Financial Strength of 600,000 - 1.2 million
        • BB - Financial Strength of 345,000 - 600,000
        • CC - Financial Strength of 175,000 - 345,000
        • DD - Financial Strength of 175,000 - 345,000
        • EE - Financial Strength of 60,000 - 120,000
        • FF - Financial Strength of 35,000 - 60,000
        • GG - Financial Strength of 15,000 - 35,000
        • HH - Financial Strength of 0 - 15,000
      • Other codes used:
        • N - Financial Strength is negative
        • O - Financial Strength is undisclosed
        • NB - New Business less than 2 years old
        • NQ - Ceased Trading
  • Risk segment
    • Creditworthiness of the entity in terms of its overall financial condition or risk to creditors.
    • Values:
      • 1 - Minimal risk (Proceed with transaction - offer terms required)
      • 2 - Low risk (Proceed with transaction)
      • 3 - Greater than average risk (Proceed with transaction but monitor closely)
      • 4 - Significant level of risk (Take suitable assurances before extending credit
      • 5 - Insufficient information to assign a risk indicator (no public information or D&B proprietary information available to indicate trading activity)
  • Paydex score
    • An index that indicates the overall payment habits of the entity based on trade experiences obtained from its suppliers.
    • Values:
      • An index of 81-100 indicates the entity has paid their debts ahead of due date.
      • An index of 80 indicates the entity has paid their debts on time. 
      • Indices above 0 and below 80 indicates the entity has paid their debts late (the lower the score, the more days late).
      • An index of 0 indicates the entity has paid their debts over 180 days late.
  • Period
    • The period of the financial statement expressed as a time interval.
    • Values:
      • PM; where = the number of months the statement covers
      • PY; where = the number of years the statement covers
  • To date
    • The date when the accounting period of the Latest Financials' financial statement ended.
  • Audited?
    • Indicates if the Latest Financials' accounts have been reviewed by a qualified accountant independent of the organization and the accountant has signed the financial statement certifying it is accurate and complete.
  • Final?
    • Indicates whether the financial figures are for the entity's closing statement.
    • Values:
      • true, the financial figures are for the entity's closing statement.
      • false, the financial figures are not for the entity's closing statement.
  • Fiscal?
    • Indicates whether the Latest Financials' financial figures cover a full year accounting period.
  • Type of statement
    • Text providing a description of the organizational scope of the Latest Financials' financial statement.
    • Values:
      • Individual
      • Consolidated
  • Usually pays in
    • The numbers of days on average that the entity has paid its suppliers. This is the Paydex converted to days.
  • Pays on time?
    • The description of how the entity has paid its suppliers
    • Values:
      • Before terms
      • Beyond terms
      • Within terms
  • Experiences
    • The number of payment experiences that the Dun & Bradstreet Worldwide Network has recorded against the entity.
  • Primary industry
    • Description of the business activities by United Nations Standard Products and Services Code.
  • Units
    • The unit size (e.g., units, thousands, millions) in which the figures in the Latest Financials' financial statement are stated.
  • Currency
    • The currency in which the figures in the Latest Financials' financial statement are stated.
  • Total assets
    • The combined value of Current Assets and Total Long Term Assets for the Latest Financials. This therefore includes all of the assets used by an organization no matter how they are financed.
  • Sales revenue
    • The income generated from the sale of goods and services for the Latest Financials. This is dependent upon the volume of a product sold and the price of the product shown net of returns, allowances and discounts. Also known as Turnover.
  • Working capital
    • The operating liquidity available to an entity (i.e., the funds available to  finance current business operations).
  • Profit before taxes
    • The Latest Financials' disclosed profit before tax, which will reflect deductions for all operating and non-operating costs.
  • Net worth
    • The sum of all capital and reserves for the Latest Financials. This is otherwise known as shareholders' funds or shareholders' equity.
  • Current ratio
    • A ratio for the Latest Financials that measures whether the organization has enough resources to cover its short-term obligations. Calculated as Total Current Assets divided by Total Current Liabilities.
  • Current liabilities over net worth
    • The ratio that indicates the reliance on the equity for payment of debt. It is calculated by Current liabilities over Net worth expressed as a percentage. It is one of the measures of the solvency of an entity and, as a rule of thumb, should not exceed 60 percent; higher percentages mean significant pressure on future cash flows.
  • Monthly sales per employe
    • Revenue per employee, calculated as a company's total revenue divided by number of months in fiscal year divided by its current number of employees, is an important ratio that roughly measures how much money each employee generates for the firm.