Dun & Bradstreet Paydex®

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


D&B Paydex®

Making credit decisions can be time consuming. However, establishing credit terms is essential to controlling your daily outstanding receivables and continuing your profitability.

D&B's unique Payment Score - or Paydex® - provides an objective assessment of how quickly a company pays its invoices. This score, which is calculated by computer, corresponds to the average number of days after the due date (or the number of days within the credit period) for each individual company.

The payment experiences we receive from independent companies on a regular basis through the Dun-Trade Program 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. Thousands of current payment experiences are added to the data cloud every day. They are an objective reflection of the business community.

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

A sudden negative trend in payment behavior can be an indication that the stability of the company has been disrupted. 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 early 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, for a given Payment Score, the number of companies that fail equals the number that stay afloat. Typically, the average risk level corresponds to a D&B Payment Score of 60. When the score drops below 44, the risk level increases significantly, while a score above 70 represents minimal risk.

D&B Payment Score

Payment habit




at a discount




delayed up to 15


delayed up to 20


delayed up to 30


delayed up to 60


delayed up to 90


delayed up to 120

What can we help you with?

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.

Knowledge and understanding of your market is critical to your success. The Dun & Bradstreet Data Cloud is the largest of its kind and allows you to conduct comprehensive analysis, understand your market share and market penetration, and uncover growth opportunities.

How many companies are there actually within a particular region and how big are these companies? How many companies are active within a specific branch and how many people are employed there? You can quickly and easily make counts and selections in D&B's international companies database on the basis of many criteria. This gives you an insight into where you can best focus your efforts and where your chances of success are the greatest. Read More

By integrating our rich database into your ERP system, you can benefit in many ways. For example, you clean up and keep your data clean throughout your organization. You can validate and enrich your customer and prospect information directly from your business application. Current information becomes instantly accessible within your ERP and you can use it to automate your acceptance process and improve scoring model. Read more.

Almost 70% of Dutch BVs are linked via shares to another company in the Netherlands or internationally. More than 30% of Dutch BVs and NVs have a link to foreign companies. The Dun & Bradstreet Data Cloud is the most complete and reliable source for insight into the Dutch and foreign relationships of your business partners, ranging from small unknown companies to the largest multinationals with thousands of branches. Read more.

An initial check when selecting a supplier is not sufficient. It is then important to make all changes in risks transparent and to monitor them. This keeps you informed exactly how the risks in your total supply chain are developing. Only with this information can you correctly assess all risks within your portfolio. Read more.

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