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@rating SCORE

Predictive power of @rating score

@rating score indicates the statistical probability of insolvency of a company for a period of 12 months .All relevant factors are summarized in an objective and strong risk assessment that is displayed on a scale of 1 to 10. 
@rating score as a tool for predicting

 In contrast to the statistical evaluation of the company, @rating score has a real ability to predict:

  • @rating score indicates the statistical possibility of bankruptcy of the company over the next 12 months.
  • The predictive power of @rating score is three times higher than that of any other statistical evaluation.
  • @rating score is possible to integrate in various information products (e.g. CofaceXpress)

  The predictive power of @rating score is three times higher than that of any other statistical evaluation. With the help of @rating Coface Central Europe has developed the first B2B calculation for eight countries of Central and Eastern Europe that:

  • uses different calculation models for each country;
  • combines quantitative (financial data and score) and qualitative evaluation;
  • differentiates between small/medium and big enterprises.

The most important prerequisite for the development of reliable rating is the size of the database and methodology.

 

Database size, especially the number and categories of risk variables on whose foundation @rating score is based - is one of the most important factors. The more variables are taken into account, and firstly the more available information related to the history of the company there is, the more the reliability of the calculation increases and, ultimately, the reliability of the ratings.

@rating score

  • uses different calculation models for each country.
  • combines quantitative (financial data and score) and qualitative evaluation.
  • differentiates between small/medium and big enterprises.
  • a more precise general assessment of the company.
  • a better assessment of development risks.
  • greater certainty in determining the amount of the loan given.
  • avoiding future risks and exploiting future opportunities.

 

The calculation of @rating score is based on information and data from external sources, from the company itself and the data of research and collection of Coface.

 

An example of qualitative indicators:

  • Company’s age,
  • legal form,
  • location,
  • development,
  • activities,
  • information on shareholders and management,
  • payment information,
  • cases of debt collection.

 

Example of quantitative indicators:

  • Assets,
  • amount of the balance,
  • capital,
  • cash flow,
  • working capital,
  • costs,
  • results from operating activities,
  • profit / loss,
  • financial indicators.

 

Individual qualitative and quantitative indicators have a different impact on the rating. The degree of impact (positive/negative) of each factor on the @rating score is constantly available to information experts from Coface Central Europe.

10. almost no risk

9. Risk – very low

8. Risk – low

7. Risk – less than medium

6. Risk – medium

5. Risk – greater  than medium

4. Risk – high

3. Risk – very high

2. Risk – bankruptcy

1. bankruptcy / pre - bankruptcy proceedings / enforced collection 

Not all the information products of Coface Central Europe include @rating score history, nor all the values of @rating score are used for a history overview. Only real @rating score which is valid at the beginning of each quarter is shown in the history of @rating score. 
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