How creditworthy are your customers?

Creditworthiness

Check the creditworthiness of companies worldwide

Every day we collect, analyze and structure huge amounts of financial data. Thanks to our patented quality processes and smart algorithms, we can inform you about the financial health of your customer, prospect, partner or supplier.

Overall Business Risk

Although each market worldwide has its own risk scores and ratings, Overall Business Risk uses data available locally to create a globally consistent picture that can be used to compare companies in different countries.

D&B Failure Score

The D&B Failure Score makes risks visible and is based on the largest possible amount of trade information. This score refines the risk scale from 1 to 4 of the D&B Rating to a more refined scale from 1 to 100. The higher the D&B Failure Score, the healthier the status of that company. The D&B failure score is dynamic, meaning that it is recalculated every time we collect a new piece of information about an origination, or when information changes.

D&B Paydex

Through the Dun-Trade® Program, D&B annually collects millions of payment experiences from companies in order to be able to analyze the payment behavior. The result of this analysis is shown in the D&B Paydex®, which indicates how fast a company pays its invoices. Every day, thousands of current payment experiences are added to the database. This gives the Paydex® rating a very up-to-date insight into the payment behavior of your customers, prospects and suppliers.

The power of the D&B Rating

It has been shown that, twelve months before the bankruptcy decision, 75% of the bankrupt companies had a D&B ‘Risk Factor 4’. The Risk Factor warns you at an early stage about possible problems and gives you plenty of opportunity to adjust your terms and conditions accordingly in order to avoid losses.

Elements of the D&B Rating

The D&B Rating consists of two parts, namely the ‘financial strength’ code (based on the net equity) and the ‘Risk factor’ to reflect the risk, when you start doing business with a company. The Risk Factor varies from 1 (minimum risk: continue the transaction) to 4 (significant risk: only do business on a secured basis). This risk indicator is unique in the world of credit.

Our credit data in numbers

500M+

Active business records

120M

Hierarchy members

375M

Daily updated data elements

200

Markets worldwide

1B

Trade experiences

20 yrs

Payment experiences

our credit risk data

You can do more with our credit data

Unravel corporate family structures

The Dun & Bradstreet Family Tree let’s you examine risk across an entire corporate entity, leveraging the power of the DUNS-number in our extensive database of corporate families.

Visualize the subsidiaries and branch locations within a corporate entity
Discover total risk in a corporate family and therefore better manage the portfolio
Assess the size of the company and possible conflicts of interest
Accurately report on larger suppliers

Legal Activities

Past and present legal activities can impact a company’s financial stability and operations. Here you’ll discover lawsuits and resulting court rulings. Dun & Bradstreet is the only credit data provider that offers lawsuit data at an earlier stage.

Examples of legal activities that could affect your business include:

Insolvency events (such as administration, receivership and bankruptcy)
Court rulings
Other public filings

Unlimited credit checks?

Met D&B Credit check je ongelimiteerd de kredietwaardigheid van 500+ miljoen bedrijven wereldwijd.

Consult Country Intelligence expertise

Dun & Bradstreet Country Insight Services provides you with the information, insight and expert recommendations to identify opportunities and risks whilst doing business across the globe.

Easily download a single country snapshot or full report within D&B Credit
Assess information about 132 countries
Use the Country Risk Indicator for a comparative cross-border assessment, ranging from DB1 through DB7, where 7 has the highest risk
Make safe decisions with AAA – the most well-known rating model on the market

Check the credit status directly in your ERP or CRM

With our API , you transform the way you do business. You connect risk and financial data in the applications where you need it most. Offer your teams data & insights they need to improve the quality and speed of decision making to achieve better business results.

Add our financial data to your CRM or CRM ERP
Improve cash flow by reducing credit risk and identifying opportunities across the credit portfolio
Synchronize the flow of information across all your financial systems for better & faster decisions
Automate decisions to manage risk, receivables, and collection priorities

White paper

Preventing late payers and defaulters

Late payers and defaulters: no one wants them, almost everyone has them. As an organization, you don't want this, because in the worst case scenario, hinder the operations of your organization hinder. Five concrete tips for prompt payment.

Pdf of 10 pages, 0,2 MB

View all whitepapers

Why credit risk data from Altares Dun & Bradstreet?

Exclusive partner of the worldwide Dun & Bradstreet Network in the Benelux and France

Extensive knowledge of corporate structures, including financial insights into subsidiaries

175 years of experience

Patented data quality process

Daily monitoring and updates ensure always current data

FAQ

I want to automate my customer acceptance process

For a clean, efficient and effective customer underwriting process, you need a reliable source of up-to-date business information. Integrate Dun & Bradstreet data directly into your own environment and automate your underwriting process for fast, informed and consistent decisions. Read more.

I want to assess the risks with prospects

Did a promising lead come in? Good for you! But now it's time to make some business decisions. Are you going to accept him as a customer? Can he buy on credit, and if so on what terms? When making these decisions, use our reliable business information, such as our credit risk data. Then you avoid doing business with companies that actually cannot meet their financial obligations. Read more.

I want to understand the risks of a country's business environment

Altares Dun & Bradstreet's country information informs you of everything you need to know about doing business in a specific country. You will be kept informed of important changes and of expected national developments within a country that may affect your business. Read more.

I want to monitor the developments within my debtor portfolio

By enriching your own client information with valuable Altares Dun & Bradstreet data, you create a clear overview and always know exactly how your client portfolio is doing. Where are your risks and where are your opportunities? Based on this insight you can segment your dunning process and determine focus within your portfolio. Read more.