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.
RATING & SCORES
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
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?
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