Dun & Bradstreet 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.

Rating & Scores

D&B Paydex®

Making credit decisions can be time-consuming. However, setting credit terms is essential to monitor your daily outstanding receivables and maintain your profitability.

D&B’s unique Payment Score – or Paydex® – provides an objective assessment of the speed with which a company pays its invoices. This score, which is calculated by a complex algorithm, corresponds to the average number of days after the due date (or the number of days within the credit term) for each company individually.

The payment experiences that we receive on a regular basis through the Dun-Trade Program from independent companies form the basis of the D&B Payment Score.

The Dun & Bradstreet data cloud contains 3 million payment experiences in the Netherlands and 2 million in Belgium. Every day, thousands of current payment experiences are added to the data cloud. They are an objective reflection of the business world.

For each company, the D&B Payment Score is calculated to reflect the most recent information on payment behaviour. In addition, the payment behavior of the industry is calculated, so that the payment behavior of a company can be compared with the standards of the industry over a period of 24 months.

A sudden negative trend in payment behaviour can be an indication that the stability of the company is disturbed. The D&B Payment Score is a unique indicator to recognize these trends at a glance.

Thanks to the D&B Payment Score you can recognize negative trends in a timely manner and take the necessary preventive measures to minimize bad debts and cash flow problems.

The analysis of thousands of bankruptcies in different countries shows a clear link between the risk of a company going bankrupt and the D&B Payment Score.

The average risk level is the point at which, at a given Payment Score, the number of companies that go bankrupt is equal to the number that keeps running. Usually the average risk corresponds to a D&B Payment score of 60. When the score falls below 44, the risk level increases significantly, while a score of more than 70 represents a minimal risk.

D&B Paydex Payment habit
100 anticipating
80 regularly
70 delayed to 15
60 delayed to 20
50 delayed to 30
40 delayed to 60
30 delayed to 90
20 delayed to 120


How can we help?


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