Our risk assessment gives you detailed overviews of your customers' risk profiles, based on various events that can impact their financial stability. Discover how we categorise events and the risk they represent for your company.
This article covers:
Warning classification
If a customer has been classified as a warning, exercise extra caution. This indicates 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
- Financial challenges
They may struggle to meet their financial commitments, and may face potential liquidity issues.
They're high-risk for investments and business collaborations.
What triggers a warning
- Bankruptcy
- Forced liquidation
- Reconstruction
- Distraint
- Bankruptcy application
- Company is dissolved
- Company is delisted
- Not an active company
- Decreased credit rating to category E
Potential risk classification
These are companies with events in the past three months that can serve as potential risk indicators.
If a customer has been classified as a potential risk, exercise extra caution in business collaborations or investments.
These events indicate:
- Lack of transparency
- Weak management
- Financial difficulties
- 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.
Also to be prepared for potential challenges that may arise in business transactions.
What triggers a potential risk
- 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)