; Worthiness - credit risk control

Worthiness

This service is the simplest way to put in place professional credit risk analysis. No implementation lead time, no personnel costs, no office space. You receive grounded credit conclusion against fixed fee.

Furthermore, it takes care of our work s clarity. It gives an idea of how much money a company may credit to a specific counterpart. This approach makes credit decision-making simple, clear and trustworthy. Sales and marketing can discover opportunities while finance can keep risks under control.

Creditworthiness Sample
Creditworthiness Sample

FOCUS ltd.
London, United Kingdom

Summary
Stable sales turn over good performance of all the basic ratios characterize customer as financially stable with low probabillity of default in the nearcoming 12 months. Though profitability remains relatively low, growth over the last year gives good prospectives to in the nearest future. Taking also into account low level of indebtedness, unsecured transaction is permissible within the amount of calculated Creditworthiness.


Creditworthiness
2015 2014 2013 2012 2011
Group A A B B C
Creditworthiness 188 065 239 627 107 930 91 511 0
Ratios
2015 2014 2013 2012 2011
Current 2.0 1.6 1.4 1.2 0.9
Quick 1.0 0.9 0.8 0.7 0.5
Debt/Equity 0.6 0.7 0.9 1.1 1.5
ROE 20% 12% 8% 11% 9%
ROS 3% 3% 1% 2% 1%
Z SCORE 6.5 5.1 4.7 4.6 4.5
Financial Statements
2015 2014 2013 2012 2011
Assets
cash 401 576 681 651 420
receivables 393 332 232 270 256
inventories 721 738 719 665 636
Current Assets 1 516 1 647 1 633 1 587 1 313
Fixed Assets 400 749 717 642 740
Other Assets 141 293 320 297 310
Total Assets 2 057 2 691 2 671 2 527 2 363
Liabilities and Net Worth
bank loans 179 289 434 506 486
paybales 589 721 719 765 917
Current Liabilities 768 1 010 1 154 1 271 1 404
other 35 83 78 35 5
Total Liabilities 803 1 093 1 232 1 307 1 409
Net Worth 1 253 1 597 1 439 1 220 954
Total Liabilities and Net Worth 2 057 2 691 2 671 2 527 2 363
Income Statement
Turnover 7 844 7 685 7 510 7 668 7 603
Gross Profit 1 455 1 454 1 391 1 382 1 338
Earnings before Income taxes 313 244 144 163 227
Net Income/Loss after taxes 249 198 110 131 83