Corporate rating model

Proven credit rating models with best-in-breed performance to bring your credit risk to the next level!

A complete credit assessment in four easy steps. Find out more!

Straightforward workflow
5 minutes per credit rating
Generate a credit rating in four easy steps, assessing all aspects of your counterparty.
API connection
Create credit ratings in batch
Make a direct connection or upload a larger set of counterparties to generate ratings on the fly.
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Quantitative foundation
Calibrated on financial databases
Leveraging the power of financial data, our rating model is calibrated for 18 different industry sectors and 3 different size classes.
AUC = 0.81
Excellent model performance
Our model is calibrated on an annual basis to ensure optimal performance. Our last calibration resulted in an ‘Area under the curve’ of 0.81, ranking our model performance as best-in-class!
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Step 1
Quantitative score

A three-year set of financial information is translated into ratios and trends, which form the basis of the quantitative score.

The quantitative score assesses different pillars:

  • Operations
  • Liquidity
  • Capital structure
  • Debt structure
  • Turnover

credit rating
Step 2
Qualitative assessment
credit rating

The quantitative score is supplemented with additional insights, based, among other items, on the company track record, outlook or supply chain vulnerabilities. Adding the qualitative assessment leads to the ‘stand-alone score’.

Step 3
Support and environment

Support or guarantees from related entities or governments, country and industry risk are incorporated to generate the final model score.

credit rating
Step 4
User override
credit rating

All results are represented in a clear overview, showing all underlying results. Based on the resulting rating, an analyst can provide and document an override if necessary. The ratings follow a recognizable rating scale.

Worried about onboarding, support or whether our
model fits your portfolio?
No technical implementation required
Our credit risk experts can customize our model to your portfolio. Find out how we optimize our models for your use case.

More about model customization
All support and updates are included
Functional and technical questions are addressed quickly. Additionally, all our clients benefit from each upgrade to ensure continued compliance and ease of use.
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Our quality guarantee

Optimal model performance

Annual recalibration of our model to incorporate latest economic trends, using an extensive database containing millions of companies
More about model calibration

Incorporating industry best practices

We continuously include the insights from the portfolios of our clients, rating agencies, banks and our credit risk experts to keep improving our model performance
More about our credit rating models