Our risk assessment provides you with a detailed overview of your customers' risk profile, based on various events that can impact their financial stability. Keep reading to learn how we categorize events and the risk they represent for your company.
Warning
If a customer has been classified as a warning, you should exercise extra caution with the customer, as this indicates that the company is in a highly vulnerable financial situation. It has had events in the past three months indicating a significant risk of payment difficulties, unpaid debts, and financial challenges. Companies affected by these events may struggle to meet their financial commitments and may face potential liquidity issues, making them high-risk for investments and business collaborations. The following events trigger a warning among your customers:
- Bankruptcy
- Forced liquidation
- Reconstruction
- Distraint
- Bankruptcy application
- The company is dissolved
- The company is delisted
- Not an active company
- Decreased credit rating to category E
Potential Risk
Customers classified as potential risk have had events in the past three months that can serve as potential risk indicators for businesses, warranting extra caution in business collaborations or investments. These events indicate a lack of transparency, weak management, financial difficulties, and a decreased ability to meet financial commitments. To minimise risks, it is crucial to conduct thorough due diligence and analysis to better understand their financial position and be prepared for potential challenges that may arise in business transactions. The following events trigger potential risk among your customers:
- Missing data
- Auditor missing (despite the obligation to have one)
- CEO missing
- Deficiency in accounts (as indicated by the auditor)
- Bad debt (within the Swedish Tax Agency)
- No account
- Decreased credit rating (to categories B-D)
- The company has public payment remarks (unpaid taxes)