Through our online platform, we allow businesses looking to obtain finance or lenders and insurers looking to assess the risk of business applicants to get more accurate data to make better decisions quicker than ever before.
The SME Z-Score
Our scoring models are powerful and unique. We are specialized in assessing the credit risk of SMEs that we define as companies with a turnover between £1m and £150m.
We have worked extensively across more than 10 years to find the most predictive financial ratios and qualitative variables to assess the risk profile of SMEs.
We segment our models by geography and industry sector to maximize their prediction power. All our models have the same structure with 3 modules to ensure consistency across different countries.
We are connected to all major databases across Europe from where we automatically source the inputs we need to run our models. Usually, we just need a company number or tax number for a company to be able to retrieve all we need in order to perform our risk assessment.