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Direct 2.0
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D&B Viability Rating

Product(s)D&B Direct 2.0
Product Code(s)VIAB_RAT
Level(s)Standard
Monitoring AvailableYes
InterfaceSOAP
WSDLdownload
Format(s)XML
ServiceAssessment
OperationOrderProduct
{version}5.0
5.0 Released OnJanuary 23, 2015

The D&B Viability Rating uses D&B’s proprietary analytics to compare the most predictive business risk indicators and deliver a highly reliable assessment of the probability that a company will go out of business, become dormant/inactive, or file for bankruptcy/insolvency within the next 12 months.

See the Predictive Analytics page for more information on Dun & Bradstreet's risk scores.

Update History

  • October 3, 2014 (v4.0 SOAP & REST): The D&B Viability Rating is now available for organizations domiciled in Canada.

Product Request

IMPORTANT: Due to a known issue, please do not include request values for SubmittingOfficeID.

IMPORTANT: Please see the new Online Services Security Enhancement Release, effective December 14, 2018.

Overview

When requesting this D&B Direct product, a valid D-U-N-S Number for a company, a country code of "US" or "CA" and the appropriate product code will be required. A trade up option exists to request data for the headquarters when the requested organization is a branch.

Global Availability

The VIAB_RAT data layer is available for businesses domiciled in the following countries:

CountryISO Code
United States of AmericaUS
CanadaCA

Data Layer Entitlement

For customers in U.S. and Canadian markets, the API is provisioned for specific collections of products, reports, and/or features (collectively referred to as data layers) for production and trial usage. Entitlement is not required for testing in the sandbox environment.

  • This product is entitled as "D&B Viability Rating" for D&B Direct 2.0 customers.

For customers in the UK, Ireland, Belgium, Netherlands and Luxembourg markets, the API is provisioned as a specific set of data layers for production, trial, and sandbox usage.

  • This particular data layer is NOT included in the D&B Direct Onboard suite.

Specification

Sample Request (VIAB_RAT)
<soapenv:Envelope xmlns:soapenv="http://schemas.xmlsoap.org/soap/envelope/" xmlns:ass="http://services.dnb.com/AssessmentProductServiceV2.0">
   <soapenv:Header>
      <wsse:Security soapenv:mustUnderstand="0" xmlns:wsse="http://docs.oasis-open.org/wss/2004/01/oasis-200401-wss-wssecurity-secext-1.0.xsd" xmlns:wsu="http://docs.oasis-open.org/wss/2004/01/oasis-200401-wss-wssecurity-utility-1.0.xsd">
         <wsse:UsernameToken wsu:Id="UsernameToken-11">
            <wsse:Username>MyUserName</wsse:Username>
            <wsse:Password Type="http://docs.oasis-open.org/wss/2004/01/oasis-200401-wss-username-token-profile-1.0#PasswordText">MyPassword</wsse:Password>
         </wsse:UsernameToken>
      </wsse:Security> 
   </soapenv:Header>
   <soapenv:Body>
      <ass:OrderProductRequest ServiceVersionNumber="5.0">         
         <OrderProductRequestDetail>
            <InquiryDetail>
               <DUNSNumber>804735132</DUNSNumber>
            </InquiryDetail>
            <ProductSpecification>
               <DNBProductID>VIAB_RAT</DNBProductID>
            </ProductSpecification>
         </OrderProductRequestDetail>
      </ass:OrderProductRequest>
   </soapenv:Body>
</soapenv:Envelope>
Name Characteristics
OrderProductRequest Aggregate
OrderProductRequest @ServiceVersionNumber Attribute
OrderProductRequest. TransactionDetail Aggregate, Optional

Records information necessary to process this request.

OrderProductRequest. TransactionDetail. ApplicationTransactionID string, up to 64 chars, Optional

A number assigned by the calling application to uniquely identify this request.

OrderProductRequest. TransactionDetail. TransactionTimestamp DateTimestamp, Optional

The date and time when this request was created. When the request is from an intermediary, such as a workflow manager or service bus, this is the date and time when the message was sent to the D&B function, i.e., the date and time when the xml document was created by the requesting intermediary.

OrderProductRequest. TransactionDetail. SubmittingOfficeID string, up to 64 chars, Optional

A number that identifies the system or the software application from where this request originated. / A number used to uniquely identfy the D&B business segment or delivery channel from where this request originated.

End: OrderProductRequest. TransactionDetail /Aggregate
OrderProductRequest. OrderProductRequestDetail Aggregate, Optional

Records data relating to requests for a product. This may include such details as the product required, the subject about which the product should be produced, the content of the product.

OrderProductRequest. OrderProductRequestDetail. InquiryDetail Aggregate, Required

Records data that allows the customer to specify identifying information about the subject being inquired, e.g., the DUNS Number, the address, the telephone number.

OrderProductRequest. OrderProductRequestDetail. InquiryDetail. DUNSNumber string, up to 15 chars Pattern: {([0-9a-zA-Z]*)}, Optional

The D-U-N-S Number is D&B's identification number, which provides unique identification of this organization, in accordance with the Data Universal Numbering System (D-U-N-S).

OrderProductRequest. OrderProductRequestDetail. InquiryDetail. CountryISOAlpha2Code string, at least 2 chars up to 2 chars, Optional

The two-letter country code, defined in the ISO 3166-1 scheme published by International Organization for Standardization (ISO)identifying the country of the inquired subject.

End: OrderProductRequest. OrderProductRequestDetail. InquiryDetail /Aggregate
OrderProductRequest. OrderProductRequestDetail. ProductSpecification Aggregate, Required

Records data that allows the customer to specify the details of the requested product. This may include details such as the identifier of the product, the language in which the product needs to be rendered, the format in which the product needs to be rendered.

OrderProductRequest. OrderProductRequestDetail. ProductSpecification. DNBProductID string, Optional

An alphanumeric string that uniquely identifies the product being requested.

OrderProductRequest. OrderProductRequestDetail. ProductSpecification. LanguagePreferenceCode integer, up to 7 digits, Optional

A D&B code value that defines the language in which the customer wants this product to be rendered.

Possible values: 39 [English]

OrderProductRequest. OrderProductRequestDetail. ProductSpecification. OrderReasonCode integer, up to 7 digits, Optional

Possible values: 6332 [Credit Decision]; 6333 [Assessment of credit solvency for intended business connection]; 6334 [Assessment of credit solvency for ongoing business connection]; 6335 [Debt Collection]; 6336 [Commercial Credit Insurance]; 6337 [Insurance Contract]; 6338 [Leasing Agreement]; 6339 [Rental Agreement]

OrderProductRequest. OrderProductRequestDetail. ProductSpecification. TradeUpIndicator boolean, Optional

When 'true' indicates that the customer has requested that D&B return the data for the Headquarters when the requested organization is a Branch. When 'false' indicates that the customer has not requested that D&B return the data for the Headquarters when the requested organization is a Branch; however as this is the assumed condition there is no requirement to create this tag to represent this fact. Note: There are D&B WorldWide Network operations where the Headquarters information will be returned automatically, regardless of the customer request.

Possible values: true; false

End: OrderProductRequest. OrderProductRequestDetail. ProductSpecification /Aggregate
OrderProductRequest. OrderProductRequestDetail. ArchiveDetail Aggregate, Optional
OrderProductRequest. OrderProductRequestDetail. ArchiveDetail. ArchiveProductOptOutIndicator boolean, Optional

When 'true' indicates that the product being ordered is not to be stored. When 'false' indicates that the product being ordered is to be stored; however as this is the assumed condition there is no requirement to create this tag to represent this fact.

Possible values: true; false

OrderProductRequest. OrderProductRequestDetail. ArchiveDetail. ExtendArchivePeriodIndicator boolean, Optional

When 'true' the duration to archive the data is to be extended. Note: There is an additional cost for extending the archival period of the data purchased. When 'false' the duration to archive the data is not to be extended.

Possible values: true; false

End: OrderProductRequest. OrderProductRequestDetail. ArchiveDetail /Aggregate
OrderProductRequest. OrderProductRequestDetail. InquiryReferenceDetail Aggregate, Optional

Records data that allows the customer to specify information to be linked to the request in order to support subsequent order reconciliation.

OrderProductRequest. OrderProductRequestDetail. InquiryReferenceDetail. CustomerReferenceText string, up to 240 chars, Optional (Up to 5x)

A freeform reference string provided by the customer to be linked to the product in order to support subsequent order reconciliation.

OrderProductRequest. OrderProductRequestDetail. InquiryReferenceDetail. CustomerBillingEndorsementText string, at least 1 chars, up to 240 chars, Optional

Text that is filled in by customer and commonly contains requesting individual or department name, or customer's own account/reference number and/or name for the case on which the product was provided.This text is a reference used during the billing process.

End: OrderProductRequest. OrderProductRequestDetail. InquiryReferenceDetail /Aggregate
End: OrderProductRequest. OrderProductRequestDetail /Aggregate
End: OrderProductRequest /Aggregate

Endpoint

Use the following endpoint with the downloadable WSDL to request this product.

SOAP (Assessment)
https://direct.dnb.com/AssessmentProduct/V{version}WSDL

Testing

Sandbox

The following parameters may be used for D&B Direct 2.0 developer sandbox requests to retrieve successful responses. The data returned from sandbox requests may not represent actual values that this feature will deliver.

D-U-N-S Number (Country Code)
804735132 (US); 362241452 (US)

Trials

When conducting testing in the production environment during a trial period, product requests will be limited to the local market of the customer.

Production

A set of D-U-N-S Numbers is available to D&B Direct 2.0 customers for performing non-billable transactions in the production environment.

Product Response

While data for a particular company may not contain values for each of the business elements, there may be items that are considered by D&B to be "essential" to yield the maximum benefit of a data layer. If any of these essential elements do not contain a value for a particular company, a PD005 response code will be returned, and your organization will not incur a usage credit for the request.

For all codified data delivered by D&B Direct, the response package will include the decoded text value as a data element with the code value attached as an attribute. Refer to the Reference Data Service for access to the D&B standard code tables.

Specification

The following is a list of the possible data fields returned by this operation in the XML response. Samples are provided for testing successful and failed retrieval, and to demonstrate the basic layout of a response. The data returned in samples may not represent actual values that this feature will deliver.

NOTE: The D-U-N-S Number returned in the response will be a nine-digit zero-padded, numeric value.

Sample Response (VIAB_RAT)
<soapenv:Envelope xmlns:soapenv="http://schemas.xmlsoap.org/soap/envelope/">
   <soap-env:Body xmlns:soap-env="http://schemas.xmlsoap.org/soap/envelope/">
      <ass:OrderProductResponse ServiceVersionNumber="5.0" xmlns:ass="http://services.dnb.com/AssessmentProductServiceV2.0">
         <TransactionDetail>
            <ServiceTransactionID>Id-365fc25439680300c756020038a61cd2-2</ServiceTransactionID>
            <TransactionTimestamp>2015-01-23T09:48:22.945-05:00</TransactionTimestamp>
         </TransactionDetail>
         <TransactionResult>
            <SeverityText>Information</SeverityText>
            <ResultID>CM000</ResultID>
            <ResultText>Success</ResultText>
         </TransactionResult>
         <OrderProductResponseDetail>
            <InquiryDetail>
               <DUNSNumber>804735132</DUNSNumber>
               <CountryISOAlpha2Code>US</CountryISOAlpha2Code>
            </InquiryDetail>
            <Product>
               <DNBProductID>VIAB_RAT</DNBProductID>
               <Organization>
                  <SubjectHeader>
                     <DUNSNumber>804735132</DUNSNumber>
                  </SubjectHeader>
                  <Telecommunication>
                     <TelephoneNumber>
                        <TelecommunicationNumber>(650) 555-0000</TelecommunicationNumber>
                        <InternationalDialingCode>1</InternationalDialingCode>
                     </TelephoneNumber>
                  </Telecommunication>
                  <Location>
                     <PrimaryAddress>
                        <StreetAddressLine>
                           <LineText>492 Koller St</LineText>
                        </StreetAddressLine>
                        <PrimaryTownName>San Francisco</PrimaryTownName>
                        <CountryISOAlpha2Code>US</CountryISOAlpha2Code>
                        <TerritoryAbbreviatedName>CA</TerritoryAbbreviatedName>
                        <PostalCode>94110</PostalCode>
                        <TerritoryOfficialName>California</TerritoryOfficialName>
                     </PrimaryAddress>
                  </Location>
                  <OrganizationName>
                     <OrganizationPrimaryName>
                        <OrganizationName>Gorman Manufacturing Company, Inc.</OrganizationName>
                     </OrganizationPrimaryName>
                  </OrganizationName>
                  <OrganizationDetail>
                     <FamilyTreeMemberRole>
                        <FamilyTreeMemberRoleText DNBCodeValue="12775">Global Ultimate</FamilyTreeMemberRoleText>
                     </FamilyTreeMemberRole>
                     <FamilyTreeMemberRole>
                        <FamilyTreeMemberRoleText DNBCodeValue="12774">Domestic Ultimate</FamilyTreeMemberRoleText>
                     </FamilyTreeMemberRole>
                     <FamilyTreeMemberRole>
                        <FamilyTreeMemberRoleText DNBCodeValue="12773">Parent</FamilyTreeMemberRoleText>
                     </FamilyTreeMemberRole>
                     <FamilyTreeMemberRole>
                        <FamilyTreeMemberRoleText DNBCodeValue="12771">Headquarters</FamilyTreeMemberRoleText>
                     </FamilyTreeMemberRole>
                  </OrganizationDetail>
                  <Assessment>
                     <DNBViabilityRating>
                        <DNBViabilityRating>27AA</DNBViabilityRating>
                        <ViabilityScore>
                           <ClassScore>2</ClassScore>
                           <RiskLevelDescription DNBCodeValue="13693">Low</RiskLevelDescription>
                           <BadRate>2</BadRate>
                           <ClassScoreIncidencePercentage>4</ClassScoreIncidencePercentage>
                           <OverallBadRate>14</OverallBadRate>
                        </ViabilityScore>
                        <PortfolioComparisonScore>
                           <ClassScore>7</ClassScore>
                           <RiskLevelDescription DNBCodeValue="13700">Moderate-High</RiskLevelDescription>
                           <BadRate>1</BadRate>
                           <ClassScoreIncidencePercentage>10</ClassScoreIncidencePercentage>
                           <ModelSegmentDescription DNBCodeValue="26234">Available Financial Data</ModelSegmentDescription>
                           <SegmentBadRate>0.6</SegmentBadRate>
                        </PortfolioComparisonScore>
                        <DataDepthDetail>
                           <DataDepthIndicator>A</DataDepthIndicator>
                           <AssessmentText>Rich Firmographics</AssessmentText>
                           <AssessmentText>Extensive Commercial Trading Activity</AssessmentText>
                           <AssessmentText>Comprehensive Financial Attributes</AssessmentText>
                        </DataDepthDetail>
                        <OrganizationProfileDetail>
                           <OrganizationProfileRating>A</OrganizationProfileRating>
                           <FinancialDataAvailableIndicator>true</FinancialDataAvailableIndicator>
                           <TradeDataAvailabilityDetail>
                              <TradeDataAvailableIndicator>true</TradeDataAvailableIndicator>
                              <AssessmentText>Available: 3+Trade</AssessmentText>
                           </TradeDataAvailabilityDetail>
                           <OrganizationSizeDetail>
                              <OrganizationSizeCategoryText>Large</OrganizationSizeCategoryText>
                              <AssessmentText>Large: Employees:50+ or Sales: $500K+</AssessmentText>
                           </OrganizationSizeDetail>
                           <YearsInBusinessDetail>
                              <YearsInBusinessCategoryText>Established</YearsInBusinessCategoryText>
                              <AssessmentText>Established: 5+</AssessmentText>
                           </YearsInBusinessDetail>
                        </OrganizationProfileDetail>
                     </DNBViabilityRating>
                  </Assessment>
               </Organization>
            </Product>
         </OrderProductResponseDetail>
      </ass:OrderProductResponse>
   </soap-env:Body>
</soapenv:Envelope>
Name Characteristics
OrderProductResponse. OrderProductResponseDetail. Product Aggregate
OrderProductResponse. OrderProductResponseDetail. Product. Organization Aggregate
OrderProductResponse. OrderProductResponseDetail. Product. Organization. SubjectHeader Aggregate
OrderProductResponse. OrderProductResponseDetail. Product. Organization. SubjectHeader. DUNSNumber Element, string, up to 15 chars. Pattern: {([0-9a-zA-Z]*)}., Optional

The D-U-N-S Number is D&B's identification number, which provides unique identification of this organization, in accordance with the Data Universal Numbering System (D-U-N-S).

End: OrderProductResponse. OrderProductResponseDetail. Product. Organization. SubjectHeader Aggregate
OrderProductResponse. OrderProductResponseDetail. Product. Organization. Telecommunication Aggregate
OrderProductResponse. OrderProductResponseDetail. Product. Organization. Telecommunication. TelephoneNumber Aggregate
OrderProductResponse. OrderProductResponseDetail. Product. Organization. Telecommunication. TelephoneNumber. InternationalDialingCode Element, string, up to 7 chars., Optional

The country calling code assigned by the International Telecommunication Union (ITU) required to connect to this Telecommunication Number of the subject country when dialing from outside the subject country; e.g., '1' for the US, '44' for the UK, '91' for India.

OrderProductResponse. OrderProductResponseDetail. Product. Organization. Telecommunication. TelephoneNumber. TelecommunicationNumber Element, string, at least 1 chars. up to 50 chars., Required

A sequence of digits used by the subject for voice communication in a public switched telephone network.This sequence of digits includes the area code or city code.Note: This number does not include the International Dialing Code and Domestic Dialing Code.

End : OrderProductResponse. OrderProductResponseDetail. Product. Organization. Telecommunication. TelephoneNumber Aggregate
End : OrderProductResponse. OrderProductResponseDetail. Product. Organization. Telecommunication Aggregate
OrderProductResponse. OrderProductResponseDetail. Product. Organization. Location Aggregate
OrderProductResponse. OrderProductResponseDetail. Product. Organization. Location. PrimaryAddress Aggregate
OrderProductResponse. OrderProductResponseDetail. Product. Organization. Location. PrimaryAddress. CountryISOAlpha2Code Element, string, at least 2 chars. up to 2 chars., Optional

The two-letter country code, defined in the ISO 3166-1 scheme published by International Organization for Standardization (ISO), identifying the country for this address.

OrderProductResponse. OrderProductResponseDetail. Product. Organization. Location. PrimaryAddress. CountyOfficialName Element, string, up to 64 chars., Optional
OrderProductResponse. OrderProductResponseDetail. Product. Organization. Location. PrimaryAddress. PostalCode Element, string, up to 16 chars., Optional

An identifier used by the local country Postal Authority to identify a particular geographic location. For example, in Belgium, Postal Code 9000 identifies the town of GHENT.

OrderProductResponse. OrderProductResponseDetail. Product. Organization. Location. PrimaryAddress. PrimaryTownName Element, string, up to 64 chars., Optional

The name of the town or city recognized by the Postal Authority for delivering mail.

OrderProductResponse. OrderProductResponseDetail. Product. Organization. Location. PrimaryAddress. StreetAddressLine. LineText Element, string, up to 240 chars., Required

Text that records the street address components as it would be presented on an address label. This includes, but is not limited to, details such as street name, street number, building name, estate name.

OrderProductResponse. OrderProductResponseDetail. Product. Organization. Location. PrimaryAddress. TerritoryAbbreviatedName Element, string, up to 64 chars., Optional

The shortened name of the locally governed area which forms part of a centrally governed nation. For example 'NJ' for the US State New Jersey within Country United States of America.

OrderProductResponse. OrderProductResponseDetail. Product. Organization. Location. PrimaryAddress. TerritoryOfficialName Element, string, up to 64 chars., Optional
End: OrderProductResponse. OrderProductResponseDetail. Product. Organization. Location. PrimaryAddress Aggregate
End: OrderProductResponse. OrderProductResponseDetail. Product. Organization. Location Aggregate
OrderProductResponse. OrderProductResponseDetail. Product. Organization. OrganizationName Aggregate
OrderProductResponse. OrderProductResponseDetail. Product. Organization. OrganizationName. OrganizationPrimaryName Aggregate
OrderProductResponse. OrderProductResponseDetail. Product. Organization. OrganizationName. OrganizationPrimaryName. OrganizationName Element, string, up to 256 chars., Required, [M]

Text recording a name of this organization in the specified language and/or writing script.

Monitor Path: //Organization /OrganizationName /OrganizationPrimaryName /OrganizationName

End: OrderProductResponse. OrderProductResponseDetail. Product. Organization. OrganizationName. OrganizationPrimaryName Aggregate
OrderProductResponse. OrderProductResponseDetail. Product. Organization. OrganizationName. TradeStyleName Aggregate
OrderProductResponse. OrderProductResponseDetail. Product. Organization. OrganizationName. TradeStyleName. OrganizationName Element, string, up to 256 chars., Required

Text recording a name of this organization in the specified language and/or writing script.

End: OrderProductResponse. OrderProductResponseDetail. Product. Organization. OrganizationName. TradeStyleName Aggregate
OrderProductResponse. OrderProductResponseDetail. Product. Organization. OrganizationDetail Aggregate
OrderProductResponse. OrderProductResponseDetail. Product. Organization. OrganizationDetail. FamilyTreeMemberRole Aggregate
OrderProductResponse. OrderProductResponseDetail. Product. Organization. OrganizationDetail. FamilyTreeMemberRole. FamilyTreeMemberRoleText Element, string, up to 256 chars., Optional

Text describing the part that the Subject plays as a member of an ownership structured family tree, e.g., a branch, division, a parent, headquarters, subsidiary, global ultimate, domestic ultimate.

OrderProductResponse. OrderProductResponseDetail. Product. Organization. OrganizationDetail. FamilyTreeMemberRole. FamilyTreeMemberRoleText @DNBCodeValue Attribute
End: OrderProductResponse. OrderProductResponseDetail. Product. Organization. OrganizationDetail. FamilyTreeMemberRole Aggregate
OrderProductResponse. OrderProductResponseDetail. Product. Organization. OrganizationDetail. StandaloneOrganizationIndicator Element, boolean, Optional

When turned ON (set to TRUE) it indicates that this organization is not a member of a legal family tree. This means it cannot play the role of a subsidiary, parent, headquarters or branch; i.e., FamilyTreeMemberRoleText cannot be present.When turned OFF (set to FALSE) it indicates that this organization is a member of a legal family tree. In this condition the FamilyTreeMemberRoleText must be present.

End: OrderProductResponse. OrderProductResponseDetail. Product. Organization. OrganizationDetail Aggregate
OrderProductResponse. OrderProductResponseDetail. Product. Organization. Assessment Aggregate
OrderProductResponse. OrderProductResponseDetail. Product. Organization. Assessment. DNBViabilityRating Aggregate
OrderProductResponse. OrderProductResponseDetail. Product. Organization. Assessment. DNBViabilityRating. DNBViabilityRating Element, string, up to 4 chars., Required, [M]

An alphanumeric value that describes D&B's proprietary analytics which compares the most predictive organization risk indicators to deliver a highly reliable assessment of the probability that an organization will go out of business within the next 12 months.The D&B Viability Rating is made up of 4 components -Overall Viability ScorePortfolio Comparison ScoreData Depth IndicatorCompany Profile

Monitor Path: //Organization /Assessment /DNBViabilityRating /DNBViabilityRating

OrderProductResponse. OrderProductResponseDetail. Product. Organization. Assessment. DNBViabilityRating. ViabilityScore Aggregate
OrderProductResponse. OrderProductResponseDetail. Product. Organization. Assessment. DNBViabilityRating. ViabilityScore. BadRate Element, decimal up to 5 digits. Maximum of 2 decimal places., Optional, [M]

The percentage of organizations with the same class score that can become inoperable. For example, for all organizations with class score 1 for a Viability model, it is expected that 0.2% of these organizations will become inoperable.

Monitor Path: //Organization /Assessment /DNBViabilityRating /ViabilityScore /BadRate

OrderProductResponse. OrderProductResponseDetail. Product. Organization. Assessment. DNBViabilityRating. ViabilityScore. ClassScore Element, integer, up to 1 digits., Required, [M]

A numeric value that denotes the probability that an organization will go out of business in the next 12 months in comparison to all organizations within the same geography. The score ranges from 0 to 9 where the range 1 to 9 reflects the probability that the organization will go out of business (1 reflects the lowest probability and 9 reflects highest probability) and the score 0 denotes that the subject is either Out Of Business or Unable To Confirm.

Monitor Path: //Organization /Assessment /DNBViabilityRating /ViabilityScore /ClassScore

OrderProductResponse. OrderProductResponseDetail. Product. Organization. Assessment. DNBViabilityRating. ViabilityScore. ClassScoreIncidencePercentage Element, decimal up to 5 digits. Maximum of 2 decimal places., Optional, [M]

The number of organizations expressed as a percentage that are assigned the same class score as the subject organization.

Monitor Path: //Organization /Assessment /DNBViabilityRating /ViabilityScore /ClassScoreIncidencePercentage

OrderProductResponse. OrderProductResponseDetail. Product. Organization. Assessment. DNBViabilityRating. ViabilityScore. OverallBadRate Element, decimal up to 5 digits. Maximum of 2 decimal places., Optional, [M]

The percentage of organizations that can become inoperable.

Monitor Path: //Organization /Assessment /DNBViabilityRating /ViabilityScore /OverallBadRate

OrderProductResponse. OrderProductResponseDetail. Product. Organization. Assessment. DNBViabilityRating. ViabilityScore. RiskLevelDescription Element, string, up to 256 chars., Optional, [M+]

Text that describes the Class Score value that expresses the likelihood of risk by specifying in which risk group this organization belongs.

Monitor Path: //Organization /Assessment /DNBViabilityRating /ViabilityScore /RiskLevelDescription @DNBCodeValue

OrderProductResponse. OrderProductResponseDetail. Product. Organization. Assessment. DNBViabilityRating. ViabilityScore. RiskLevelDescription@DNBCodeValue Attribute
End: OrderProductResponse. OrderProductResponseDetail. Product. Organization. Assessment. DNBViabilityRating. ViabilityScore Aggregate
OrderProductResponse. OrderProductResponseDetail. Product. Organization. Assessment. DNBViabilityRating. PortfolioComparisonScore Aggregate
OrderProductResponse. OrderProductResponseDetail. Product. Organization. Assessment. DNBViabilityRating. PortfolioComparisonScore. BadRate Element, decimal up to 5 digits. Maximum of 2 decimal places., Optional, [M]

The percentage of organizations with the same class score that can become inoperable. For example, for all organizations with class score 1 for a Viability model, it is expected that 0.2% of these organizations will become inoperable.

Monitor Path: //Organization /Assessment /DNBViabilityRating /PortfolioComparisonScore /BadRate

OrderProductResponse. OrderProductResponseDetail. Product. Organization. Assessment. DNBViabilityRating. PortfolioComparisonScore. ClassScore Element, integer, up to 1 digits., Required, [M]

A numeric value that denotes the probability that an organization will go out of business in the next 12 months in comparison to all organizations within the same geography. The score ranges from 0 to 9 where the range 1 to 9 reflects the probability that the organization will go out of business (1 reflects the lowest probability and 9 reflects highest probability) and the score 0 denotes that the subject is either Out Of Business or Unable To Confirm.

Monitor Path: //Organization /Assessment /DNBViabilityRating /PortfolioComparisonScore /ClassScore

OrderProductResponse. OrderProductResponseDetail. Product. Organization. Assessment. DNBViabilityRating. PortfolioComparisonScore. ClassScoreIncidencePercentage Element, decimal up to 5 digits. Maximum of 2 decimal places., Optional, [M]

The number of organizations expressed as a percentage that are assigned the same class score as the subject organization.

Monitor Path: //Organization /Assessment /DNBViabilityRating /PortfolioComparisonScore /ClassScoreIncidencePercentage

OrderProductResponse. OrderProductResponseDetail. Product. Organization. Assessment. DNBViabilityRating. PortfolioComparisonScore. ModelSegmentDescription Element, string, up to 256 chars., Optional, [M+]

Text that describes the classification of the organization determined by the amount and type of data available on that organization.

Monitor Path: //Organization /Assessment /DNBViabilityRating /PortfolioComparisonScore /ModelSegmentDescription @DNBCodeValue

OrderProductResponse. OrderProductResponseDetail. Product. Organization. Assessment. DNBViabilityRating. PortfolioComparisonScore. ModelSegmentDescription@DNBCodeValue Attribute
OrderProductResponse. OrderProductResponseDetail. Product. Organization. Assessment. DNBViabilityRating. PortfolioComparisonScore. RiskLevelDescription Element, string, up to 256 chars., Optional, [M+]

Text that describes the Class Score value that expresses the likelihood of risk by specifying in which risk group this organization belongs.

Monitor Path: //Organization /Assessment /DNBViabilityRating /PortfolioComparisonScore /RiskLevelDescription @DNBCodeValue

OrderProductResponse. OrderProductResponseDetail. Product. Organization. Assessment. DNBViabilityRating. PortfolioComparisonScore. RiskLevelDescription@DNBCodeValue Attribute
OrderProductResponse. OrderProductResponseDetail. Product. Organization. Assessment. DNBViabilityRating. PortfolioComparisonScore. SegmentBadRate Element, decimal up to 5 digits. Maximum of 2 decimal places., Optional, [M]

The percentage of organizations within a model segment that can become inoperable.

Monitor Path: //Organization /Assessment /DNBViabilityRating /PortfolioComparisonScore /SegmentBadRate

End: OrderProductResponse. OrderProductResponseDetail. Product. Organization. Assessment. DNBViabilityRating. PortfolioComparisonScore Aggregate
OrderProductResponse. OrderProductResponseDetail. Product. Organization. Assessment. DNBViabilityRating. DataDepthDetail Aggregate
OrderProductResponse. OrderProductResponseDetail. Product. Organization. Assessment. DNBViabilityRating. DataDepthDetail. AssessmentText Element, string, up to 512 chars., Required (Array), [M]

Text that describes the outcome of assessment on the level of predictive data available or the risk category to which the organization belongs.

Monitor Path: //Organization /Assessment /DNBViabilityRating /DataDepthDetail /AssessmentText

OrderProductResponse. OrderProductResponseDetail. Product. Organization. Assessment. DNBViabilityRating. DataDepthDetail. DataDepthIndicator Element, string, up to 1 chars., Required, [M]

An alphabet that identifies the level of predictive data available with D&amp;B to assess the organization’s viability or to identify the high risk category to which the organization belongs. The level of data is represented by a letter on a scale of A – G where A reflects highest availability of predictive data and G reflects a lowest availability of predictive data. If an organization has been confirmed as high risk, a letter ranging from H – M will be assigned to identify the specific high risk category.Note: The element name DataDepthIndicator is a DNB Brand name and does not record a boolean value as with the case of other element names suffixed with the term Indicator

Monitor Path: //Organization /Assessment /DNBViabilityRating /DataDepthDetail /DataDepthIndicator

End: OrderProductResponse. OrderProductResponseDetail. Product. Organization. Assessment. DNBViabilityRating. DataDepthDetail Aggregate
OrderProductResponse. OrderProductResponseDetail. Product. Organization. Assessment. DNBViabilityRating. OrganizationProfileDetail Aggregate
OrderProductResponse. OrderProductResponseDetail. Product. Organization. Assessment. DNBViabilityRating. OrganizationProfileDetail. FinancialDataAvailableIndicator Element, boolean, Optional, [M]

When turned ON (set to TRUE) this indicates that D&amp;B has financial information on this organization.When turned OFF (set to FALSE) this indicates that D&amp;B does not have financial information on this organization.

Monitor Path: //Organization /Assessment /DNBViabilityRating /OrganizationProfileDetail /FinancialDataAvailableIndicator

OrderProductResponse. OrderProductResponseDetail. Product. Organization. Assessment. DNBViabilityRating. OrganizationProfileDetail. OrganizationProfileRating Element, string, up to 1 chars., Required, [M]

An alphabet that classifies the organization based on Financial data, Trade Payments, Company Size and Years in Business. This can range from A – X; e.g., 'A' describes a company with a comprehensive level data, which has been in business 5+ years, with 50+ employees or $500K+ in sales, while 'X' reflects a company with a minimal data, in business &lt;5 years, with &lt;10 employees or &lt;$10K in sales. 'Y' and 'Z' reflect a Branch and Subsidiary, respectively.

Monitor Path: //Organization /Assessment /DNBViabilityRating /OrganizationProfileDetail /OrganizationProfileRating

OrderProductResponse. OrderProductResponseDetail. Product. Organization. Assessment. DNBViabilityRating. OrganizationProfileDetail. OrganizationSizeDetail Aggregate
OrderProductResponse. OrderProductResponseDetail. Product. Organization. Assessment. DNBViabilityRating. OrganizationProfileDetail. OrganizationSizeDetail. AssessmentText Element, string, up to 512 chars., Optional (Array), [M]

Text that describes the outcome of assessment on the level of predictive data available or the risk category to which the organization belongs.

Monitor Path: //Organization /Assessment /DNBViabilityRating /OrganizationProfileDetail /OrganizationSizeDetail /AssessmentText

OrderProductResponse. OrderProductResponseDetail. Product. Organization. Assessment. DNBViabilityRating. OrganizationProfileDetail. OrganizationSizeDetail. OrganizationSizeCategoryText Element, string, up to 512 chars., Required, [M]

Text denoting the broader classification of organizations assigned by D&amp;B based on the analytical study of data available for this organization.

Monitor Path: //Organization /Assessment /DNBViabilityRating /OrganizationProfileDetail /OrganizationSizeDetail /OrganizationSizeCategoryText

End: OrderProductResponse. OrderProductResponseDetail. Product. Organization. Assessment. DNBViabilityRating. OrganizationProfileDetail. OrganizationSizeDetail Aggregate
OrderProductResponse. OrderProductResponseDetail. Product. Organization. Assessment. DNBViabilityRating. OrganizationProfileDetail. TradeDataAvailabilityDetail Aggregate
OrderProductResponse. OrderProductResponseDetail. Product. Organization. Assessment. DNBViabilityRating. OrganizationProfileDetail. TradeDataAvailabilityDetail. AssessmentText Element, string, up to 512 chars., Optional (Array), [M]

Text that describes the outcome of assessment on the level of predictive data available or the risk category to which the organization belongs.

Monitor Path: //Organization /Assessment /DNBViabilityRating /OrganizationProfileDetail /TradeDataAvailabilityDetail /AssessmentText

OrderProductResponse. OrderProductResponseDetail. Product. Organization. Assessment. DNBViabilityRating. OrganizationProfileDetail. TradeDataAvailabilityDetail. TradeDataAvailableIndicator Element, boolean, Optional, [M]

When turned ON (set to TRUE) this indicates that D&amp;B has business trading information on this organization.When turned OFF (set to FALSE) this indicates that D&amp;B does not have business trading information on this organization.

Monitor Path: //Organization /Assessment /DNBViabilityRating /OrganizationProfileDetail /TradeDataAvailabilityDetail /TradeDataAvailableIndicator

End: OrderProductResponse. OrderProductResponseDetail. Product. Organization. Assessment. DNBViabilityRating. OrganizationProfileDetail. TradeDataAvailabilityDetail Aggregate
OrderProductResponse. OrderProductResponseDetail. Product. Organization. Assessment. DNBViabilityRating. OrganizationProfileDetail. YearsInBusinessDetail Aggregate
OrderProductResponse. OrderProductResponseDetail. Product. Organization. Assessment. DNBViabilityRating. OrganizationProfileDetail. YearsInBusinessDetail. AssessmentText Element, string,, Optional (Array), [M]

Text that describes the outcome of assessment on the level of predictive data available or the risk category to which the organization belongs.

Monitor Path: //Organization /Assessment /DNBViabilityRating /OrganizationProfileDetail /YearsInBusinessDetail /AssessmentText

OrderProductResponse. OrderProductResponseDetail. Product. Organization. Assessment. DNBViabilityRating. OrganizationProfileDetail. YearsInBusinessDetail. YearsInBusinessCategoryText Element, string, up to 64 chars., Required, [M]

Text denoting the broader classification of organizations assigned by D&B based on the age of this organization.

Monitor Path: //Organization /Assessment /DNBViabilityRating /OrganizationProfileDetail /YearsInBusinessDetail /YearsInBusinessCategoryText

End: OrderProductResponse. OrderProductResponseDetail. Product. Organization. Assessment. DNBViabilityRating. OrganizationProfileDetail. YearsInBusinessDetail Aggregate
End: OrderProductResponse. OrderProductResponseDetail. Product. Organization. Assessment. DNBViabilityRating. OrganizationProfileDetail Aggregate
End: OrderProductResponse. OrderProductResponseDetail. Product. Organization. Assessment. DNBViabilityRating Aggregate
End: OrderProductResponse. OrderProductResponseDetail. Product. Organization. Assessment Aggregate
End: OrderProductResponse. OrderProductResponseDetail. Product. Organization Aggregate
End: OrderProductResponse. OrderProductResponseDetail. Product Aggregate

Legend: [C] = may be included in a Custom Data product; [M] = may be referenced by the Monitoring process; [M+] = Monitored using an aggregate or attribute XPath.

Lists of possible values (when present) are subject to change. Additional values not presented in this documentation may be delivered in the response and should be anticipated in any implementation.

Empty/NULL Values

A NULL returned for an element indicates that the information was not provided to D&B when the related data items were collected. The absence of a value for a particular item should not be considered indicative of any implied value (e.g., NULL for a boolean indicator is NOT the same as a value of 'false').

NOTE: There may be additional request and/or response elements specified in the WSDL that are not applicable for D&B Direct customers. Data elements that are not listed on this page are currently unused by this operation.

Currency Codes/Units

Whenever financial statement data is included in a response, each individual business element (ItemAmount) should be inspected for currency code and unit values (CurrencyISOAlpha3Code and UnitOfSize). If a given element does not include these attributes, the values provided in the statement header should be utilized.

Response Codes & Error Handling

Successful service requests will return a CM000 response code in the TransactionResult ResultID field. Otherwise, one of the D&B Direct standard response codes will be returned.

This operation may return the following response codes: CM001-CM005, CM007-CM012, CM014, CM017, CM018, PD001, PD003, PD005, PD006, PD015, PD016, and SC001-SC012.

IMPORTANT: PD006 code - Applicable only for US/CA cases when TradeUpIndicator="true" for Risk packets.

D&B Direct 2.0 API requests are provided on a metered basis; and may require entitlement prior to use in the production environment. In addition, a concurrency limit (QPS) is monitored to ensure that it is not exceeded. An error code will be returned in the event that a transaction is throttled.

Qualified usage (e.g., a successful response) is tracked and billed according to the terms & conditions of the customer's contract. The response codes CM000, CM010, PD002 and PD015 are considered successful. A built-in feature exists to prevent duplicate billing when multiple successful requests with the same D-U-N-S Number and product code are submitted on the same calendar day (which is based on Eastern Standard Time [GMT-5]).

Retrieving Archived Copies

An option exists to retain the results from all successful requests for this product in a Product Request Archive, which may be retrieved without incurring additional usage charges.

NOTE: The default value for ArchiveProductOptOutIndicator is 'true', indicating that the request will NOT be automatically archived.

Business Elements

While D&B Direct uses a product canonical naming model in the request/response, many customers may be more familiar with the following business element labels.

This product will also return a set of standard elements (e.g. D-U-N-S Number, Organization Name, Trade Styles, Family Tree Role, Primary Address, Mailing Address, Telephone Number, Fax Number, etc.) in addition to the business elements listed.

Name Description
Portfolio Comparison Class Score A numeric value that denotes the probability that an organization will no longer be a viable business in the next 12 months in comparison to all organizations within the same geography. The score ranges in values from 0 - 9 where the range 1 to 9 reflects [M]

PCM XPath: //Organization/ Assessment/ DNBViabilityRating/ PortfolioComparisonScore/ ClassScore

Portfolio Comparison Class Score Incidence Percentage Percentage of all businesses in D&B's database with the same Portfolio Comparison Class Score [M]

PCM XPath: //Organization/ Assessment/ DNBViabilityRating/ PortfolioComparisonScore/ ClassScoreIncidencePercentage

Portfolio Comparison Class Score Risk Level Description Text that describes the Portfolio Comparison Score that was assigned to this organization. [M+]

PCM XPath: //Organization/ Assessment/ DNBViabilityRating/ PortfolioComparisonScore/ RiskLevelDescription

Portfolio Comparison Score Bad Rate The percentage of organizations with the same Portfolio Comparison Class score that can become inoperable. [M]

PCM XPath: //Organization/ Assessment/ DNBViabilityRating/ PortfolioComparisonScore/ BadRate

Portfolio Comparison Score Model Segment Description Text that describes the Viability Rating classification of the organization determined by the amount and type of information available about that organization. [M+]

PCM XPath: //Organization/ Assessment/ DNBViabilityRating/ PortfolioComparisonScore/ ModelSegmentDescription

Viability Class Score Incidence Percentage Percentage of all businesses in D&B's database with the same Viability Class Score. [M]

PCM XPath: //Organization/ Assessment/ DNBViabilityRating/ ViabilityScore/ ClassScoreIncidencePercentage

Viability Rating The rating which assesses the probability that an organization will no longer be a viable business within the next 12 months. [M]

PCM XPath: //Organization/ Assessment/ DNBViabilityRating/ DNBViabilityRating

Viability Rating Class Score The Viability Score accesses the probability that a company will no longer be in business within the next 12 months, compared to all U.S. businesses within the D&B database. (presented as 0 to 9). [M]

PCM XPath: //Organization/ Assessment/ DNBViabilityRating/ ViabilityScore/ ClassScore

Viability Rating Data Depth Detail Assessment Text Text that describes the outcome of the assessment on the level of predictive data available or the Viability Rating risk category to which the organization belongs [M]

PCM XPath: //Organization/ Assessment/ DNBViabilityRating/ DataDepthDetail/ AssessmentText

Viability Rating Data Depth Indicator The Data Depth Indicator (presented as A to M) represents the level of predictive data available for a company. [M]

PCM XPath: //Organization/ Assessment/ DNBViabilityRating/ DataDepthDetail/ DataDepthIndicator

Viability Rating Financial Data Available Indicator When 'true' indicates that D&B has detailed financial information for this business. [M]

PCM XPath: //Organization/ Assessment/ DNBViabilityRating/ OrganizationProfileDetail/ FinancialDataAvailableIndicator

Viability Rating Organization Size Assessment Text Text that describes the outcome of the assessment on the Organization Size of the organization [M]

PCM XPath: //Organization/ Assessment/ DNBViabilityRating/ OrganizationProfileDetail/ OrganizationSizeDetail/ AssessmentText

Viability Rating Organization Size Category Text Text denoting the broader classification of this organizations company size based on the comparison of other organizations with in D&Bs database [M]

PCM XPath: //Organization/ Assessment/ DNBViabilityRating/ OrganizationProfileDetail/ OrganizationSizeDetail/ OrganizationSizeCategoryText

Viability Rating Portfolio Comparison Score Segment Bad Rate The percentage of organizations within this Viability Rating Score that can become inoperable [M]

PCM XPath: //Organization/ Assessment/ DNBViabilityRating/ PortfolioComparisonScore/ SegmentBadRate

Viability Rating Trade Data Available Assessment Text Text that describes the outcome of the assessment on the level of Trade data available. [M]

PCM XPath: //Organization/ Assessment/ DNBViabilityRating/ OrganizationProfileDetail/ TradeDataAvailabilityDetail/ AssessmentText

Viability Rating Trade Data Available Indicator When 'true' indicates that D&B has trade information for this business. [M]

PCM XPath: //Organization/ Assessment/ DNBViabilityRating/ OrganizationProfileDetail/ TradeDataAvailabilityDetail/ TradeDataAvailableIndicator

Viability Score Bad Rate The percentage of organizations with the same class score that can become inoperable. For example for all organizations with a Viability class score of 1 it is expected that .2% of these organizations will no longer be a viable business in the next 12 mon [M]

PCM XPath: //Organization/ Assessment/ DNBViabilityRating/ ViabilityScore/ BadRate

Viability Score Overall Bad Rate Average Inoperable rate for all scored businesses within the same country. [M]

PCM XPath: //Organization/ Assessment/ DNBViabilityRating/ ViabilityScore/ OverallBadRate

Viability Score Risk Level Description A description of the score given to this business which predicts the likelihood that the organization will no longer be a viable business in the next 12 months. [M+]

PCM XPath: //Organization/ Assessment/ DNBViabilityRating/ ViabilityScore/ RiskLevelDescription

Viability Score Years in Business Assessment Text Text that describes the outcome of assessment on the age of the business [M]

PCM XPath: //Organization/ Assessment/ DNBViabilityRating/ OrganizationProfileDetail/ YearsInBusinessDetail/ AssessmentText

Viability Score Years in Business Category Text denoting the broader classification of this organizations assigned by D&B based on the age of this organization [M]

PCM XPath: //Organization/ Assessment/ DNBViabilityRating/ OrganizationProfileDetail/ YearsInBusinessDetail/ YearsInBusinessCategoryText

The preceding list is not presented in the order, nor manner, in which the information is packaged and delivered via the D&B Direct API. Legend: [C] = may be included in a Custom Data product; [M] = may be referenced by the Monitoring process; [M+] = Monitored using an aggregate or attribute XPath.

Standard Elements

Whenever a D&B Direct data or report product request returns a single D-U-N-S Number, several business elements pertaining to that company will be included with the results.

These elements include D-U-N-S Number*, Organization Name, Primary Address** (including street, city, state, postal code, country), Mailing Address** (including street, city, state, postal code, county), Telephone Number, Fax Number, Trade Styles (up to five), Family Tree Role (HQ, branch), a Standalone Organization Indicator(true/false) and the PortfolioAssetID***.

All standard elements (with the exception of Family Tree Role and PortfolioAssetID) may be referenced by the Monitoring process.

* The D-U-N-S Number of the organization referenced in the results. In the case of a trade up, this will be the headquarters D-U-N-S Number.

** Addresses are returned as they are recieved by D&B and therefore may not conform to local postal formatting specifications.

*** This is an identification number that can be used to retrieve a given results package at a later date from the Product Request Archive (if/when that feature is enabled in a request).

Name Description
D-U-N-S Number The D-U-N-S Number is D&B's identification number, which provides unique identification of this organization, in accordance with the Data Universal Numbering System (D-U-N-S). This DUNS Number represents the business entity.
Country Code The two-letter country code, defined by the International Organization for Standardization (ISO) ISO 3166-1 scheme identifying the country of the business entity.
County Name Text recording the name of the county in which the business is located.
Family Tree Member Role Text recording of various parts that the Subject plays as a member of an ownership structured family tree.
FAX Number The FAX number of the business.
FAX Number International Dialing Code The FAX number international dialing code of the business.
Mailing Country Code The two-letter country code, defined by the International Organization for Standardization (ISO) ISO 3166-1 scheme identifying the country which the business uses for mailing purposes.
Mailing County Name Text recording the name of the county which the business uses for mailing purposes.
Mailing Postal Code An identifier used by the local country Postal Authority which the business uses for mailing purposes.
Mailing Street Text recording an address which is mainly utilized for the purpose of mail delivery to the business. This usually includes a Post Office Box number or similar mailing details.
Mailing Street (2) Text recording an address which is mainly utilized for the purpose of mail delivery to the business. This usually includes a Post Office Box number or similar mailing details.
Mailing Territory Abbreviation Text recording the shortened name of the locally governed area which forms part of a centrally governed nation which the business uses for mailing purposes.
Mailing Territory Name Text recording the name of the locally governed area which forms part of a centrally governed nation which the business uses for mailing purposes.
Mailing Town Name The address number, or post office box number, and street name which a business uses for mailing purposes.
Postal Code An identifier used by the local country Postal Authority to identify where the business is located.
Primary Business Name Text recording of a single name by which the organization is primarily known or identified.
Standalone Organization Indicator When true indicates that this organization is not a member of a legal family tree. The Subject has no Parent Company, no subsidiaries or no branch/division locations.
Street Address Text recording the address number, or post office box number and street name where the business is located.
Street Address (2) Text recording the address number, or post office box number and street name where the business is located.
Telephone Number The telephone number of the business.
Telephone Number International Dialing Code The telephone number international dialing code of the business.
Territory Abbreviated Name Text recording the shortened name of the locally governed area which forms part of a centrally governed nation to identify where the business is located.
Territory Name Text recording the name of the locally governed area which forms part of a centrally governed nation to identify where the business is located.
Town Name Text recording the name of a city, town, township, village, borough, etc. where the business is located.
Trade Style Name Text recording the name which an organization trades under for commercial purposes although its registered legal name used for contracts and other formal situations may be another name.

Product Notes

The specific components of the D&B Viability Rating are:

  • Viability Score: predictive rating of 1-9 where 1 is the lowest probability that a company will no longer be a viable business within the next 12 months to businesses in the same country within the D&B’s database and 9 is highest probability.. A business is no longer viable when it goes out of business, becomes dormant/ inactive or files for bankruptcy/insolvency.
  • Portfolio Comparison:predictive rating of 1-9 where 1 is the lowest probability that a company will no longer be a viable business within the next 12 months compared to other businesses within the same model segment and 9 is the highest probability. A business is no longer viable when it goes out of business, becomes dormant/ inactive or files for bankruptcy/insolvency.
  • Data Depth Indicator: descriptive rating of A-G and H-N. A-G is assigned on a “report card-like” scale where A is assigned to businesses with the highest level of predictive data including complete firmographics, extensive commercial trading activity, and comprehensive financial attributes and G is assigned to business with the lowest level of predictive data including basic identify data only. H-N are special categories that override the A-G rating giving our customer’s further insight when D&B has confirmation that a business has met one of six risk conditions.
  • Company Profile: descriptive rating A-X and Y-Z where A is the largest, most established businesses with complete, comprehensive data reported in the D&B database and X is the smallest, youngest businesses with basic firmographic data only. Y is assigned to a branch location and Z is assigned to a business that is a subsidiary.

Viability Score is the first of four components within the D&B Viability Rating. It is a high-level risk indicator that assesses the probability that a company will no longer be a viable business within the next 12 months, compared to businesses in the same country within the D&B database. A business is no longer viable when it goes out of business, becomes dormant/ inactive or files for bankruptcy/insolvency.

The ranking ranges from 1 to 9 where 9 reflects the highest probability of becoming no longer viable and 1 reflects the lowest probability.

Note: The Viability Score is best used when ranking all businesses within your portfolio especially for identifying the most valuable prospects for Sales and Marketing.

 

Performance Ranking

 

Risk Level

US

Canada

Percent of Total

Bad Rate

Percent of Total

Bad Rate

9

High Risk

1%

65%

2%

28%

8

High Risk

8%

42%

1%

23%

7

High to Moderate Risk

14%

27%

5%

15%

6

Moderate Risk

30%

13%

10%

10%

5

Low Risk

14%

7%

10%

6%

4

Low Risk

14%

5%

19%

3%

3

Low Risk

15%

3%

26%

1%

2

Low Risk

4%

2%

13%

0.6%

1

Low Risk

0.3%

0.2%

14%

0.3%

Total

 

100%

14%

100%

4%

Portfolio Comparison is the second of four components within the D&B Viability Rating. Portfolio Comparison is a more detailed risk indicator that assesses the viability of a company compared to similar businesses within the same model segment which are determined by the amount and type of data available. A business is no longer viable when it goes out of business, becomes dormant/ inactive or files for bankruptcy/insolvency.

The Portfolio Comparison ranking ranges from 1 to 9 where 9 reflects the highest probability of becoming no longer viable and 1 reflects the lowest probability.

Every business falls into 1 of 4 profile segments. The segments will vary by country as follows:

United StatesCanada
  • Available Financial Data
  • Established Trade Payments
  • Limited Trade Payments
  • Firmographics and Business Activity
  • Large Businesses with Established Trade Payments
  • Large Businesses with Firmographics and Business Activity
  • Small to Medium Business with Established Trade Payments
  • Small to Medium Business with Firmographics and Business Activity

Note: The Portfolio Comparison is best used when analyzing the individual risk level of a company for Credit Risk Management purposes.

*Large businesses have either 50+ Employees or $500K+ Sales. Small to Medium businesses have less than 50 employees and less than $500K in Sales.

Model Segments for the United States

NOTE: The tables in this section were last revised in the documentation on October 3, 2014, and are subject to change.

FN (Available Financial Data)
PerformancePercent ofBadRisk
RankingTotalRateLevel
92.0%7.0%High Risk
84.0%2.0%High Risk
710.0%1.0%High to Moderate Risk
68.0%0.7%Moderate Risk
511.0%0.5%Moderate Risk
413.0%0.3%Low Risk
315.0%0.2%Low Risk
214.0%0.2%Low Risk
123.0%0.1%Low Risk
Total100.0%0.6% 
TK (Established Trade Payments)
PerformancePercent ofBadRisk
RankingTotalRateLevel
93.0%23.0%High Risk
813.0%11.0%High Risk
714.0%7.0%High to Moderate Risk
69.0%5.0%Moderate Risk
511.0%5.0%Moderate Risk
411.0%4.0%Low Risk
311.0%3.0%Low Risk
216.0%3.0%Low Risk
111.0%2.0%Low Risk
Total100%5.0% 
TN (Limited Trade Payments)
PerformancePercent ofBadRisk
RankingTotalRateLevel
91.0%45.0%High Risk
815.0%17.0%High Risk
72.0%14.0%High to Moderate Risk
625.0%13.0%Moderate Risk
515.0%10.0%Moderate Risk
411.0%9.0%Low Risk
311.0%7.0%Low Risk
212.0%6.0%Low Risk
17.0%4.0%Low Risk
Total100%11.0% 
NT (Firmographics and Business Activity)
PerformancePercent ofBadRisk
RankingTotalRateLevel
93.0%58.0%High Risk
812.0%36.0%High Risk
79.0%23.0%High to Moderate Risk
612.0%18.0%Moderate Risk
513.0%13.0%Moderate Risk
417.0%10.0%Low Risk
311.0%7.0%Low Risk
214.0%5.0%Low Risk
18.0%3.0%Low Risk
Total100%16.0% 

Model Segments for Canada

NOTE: The tables in this section were last revised in the documentation on October 3, 2014, and are subject to change.

LT (Large Business w/ Established Trade Payments)
PerformancePercent ofBadRisk
RankingTotalRateLevel
91.0%9.0%High Risk
82.0%4.0%High Risk
73.0%4.0%High to Moderate Risk
68.0%2.0%Moderate Risk
521.0%1.0%Low Risk
418.0%0.7%Low Risk
317.0%0.4%Low Risk
215.0%0.3%Low Risk
115.0%0.2%Low Risk
Total100.0%0.9% 
LN (Large Business w/ Firmographics and Business Activity)
PerformancePercent ofBadRisk
RankingTotalRateLevel
90.7%9.9%High Risk
80.4%7.4%High Risk
72.0%5.8%High to Moderate Risk
66.0%4.2%Moderate Risk
59.0%3.1%Moderate Risk
412.0%2.2%Low Risk
326.0%1.5%Low Risk
227.0%1.0%Low Risk
116.0%0.6%Low Risk
Total100%2.0% 
ST (Small to Medium Business w/ Established Trade Payments)
PerformancePercent ofBadRisk
RankingTotalRateLevel
92.0%11.0%High Risk
82.0%7.0%High Risk
72.0%5.0%High to Moderate Risk
68.0%4.0%Moderate Risk
518.0%2.0%Moderate Risk
424.0%0.9%Low Risk
317.0%0.6%Low Risk
215.0%0.4%Low Risk
112.0%0.2%Low Risk
Total100%2.0% 
SN (Small to Medium Business w/ Firmographics and Business Activity)
PerformancePercent ofBadRisk
RankingTotalRateLevel
93.0%28.0%High Risk
82.0%23.0%High Risk
76.0%15.0%High to Moderate Risk
612.0%10.0%Moderate Risk
511.0%6.0%Low Risk
416.0%3.0%Low Risk
329.0%1.0%Low Risk
29.0%0.7%Low Risk
112.0%0.3%Low Risk
Total100%5.0% 

Data Depth Indicator is the third of four components within the D&B Viability Rating. The Depth of Data Indicator presents the level of data that is used to generate the Viability Score and Portfolio Comparison. Data depth assists in the assessment of whether a company will no longer be viable and may include the following (data depth attributes will vary by country):

  • Financial Attributes
  • Commercial Trading Activity
  • Firmographics

The level of data is represented by a letter on a scale of A – G where A reflects the greatest level of predictive data to make a highly reliable assessment of company viability, and G reflects a minimal level of data which can be considered descriptive. The more comprehensive the data, the more precise the overall D&B Viability Rating becomes. If a company has been placed in the Special Category, a letter ranging from H-N will be assigned to identify the specific reason. Reference the chart below for details.

Rating

Definition for US Businesses

Definition for Canadian Businesses

A

Rich Firmographics, Extensive Commercial Trading Activity and Comprehensive Financial Attributes

Rich Firmographics and Extensive Commercial Trading Activity

B

Rich Firmographics, Extensive Commercial Trading Activity and Basic Financial Attributes

Rich Firmographics and Partial Commercial Trading Activity

C

Rich Firmographics, Extensive Commercial Trading Activity and No Financial Attributes

Basic Firmographics and Partial Commercial Trading Activity

D

Rich Firmographics, Partial Commercial Trading Activity and No Financial Attributes

Rich Firmographic and Sparse Commercial Trading Activity

E

Rich Firmographics, Sparse Commercial Trading Activity and No Financial Attributes

Basic Firmographics and Sparse Commercial Trading Activity

F

Basic Firmographics, Trace Commercial Trading Activity and No Financial Attributes

Rich Firmographics Only

G

Basic Firmographics and No Financial Attributes

Basic Firmographics Only

If a company has been placed in the Special Category, a letter ranging from H – N will be assigned to identify the specific reason.

Rating

Special Category Description

H

Out of Business - Business is considered inactive due to Bankruptcy, Insolvency, Merger/Acquisition or absence of confirmed location.

I

Unable to Confirm Designation - D&B is unable to confirm active operations at a specific location due to the business showing limited to no business activity and multiple signs of inactivity (e.g. disconnected phone, vacant address, no longer in a telephone directory etc.)

J

Bankruptcy - Business has filed for Chapter 11 bankruptcy and the plan of reorganization is not yet confirmed. (Not applicable for Canadian businesses)

K

High Risk (Severe Risk) - Business displays characteristics of misrepresentation.

L

Self Reported Duns Support Record - Business’s request for a D-U-N-S Number requires an investigation or confirmation of information from D&B (Not applicable for Canadian businesses)

M

Business Deterioration (Severe Risk) - Business displays characteristics of financial distress, including signs of current or imminent business failure or operating difficulty (Not applicable for Canadian businesses).

N

Insolvency - Business or Management has insufficient assets to meet

debts and obligations. See Public Records for further details. (Not applicable for US businesses)

Company Profile is the fourth of four components within the D&B Viability Rating. The Company Profile describes a company based on a combination of 4 categories:

  • Financial Data
  • Trade Payments
  • Company Size
  • Years in Business

A company is characterized by a letter which ranges from A – X; with each letter representing a combination of the 4 categories that make up the company’s profile. For example, A describes a company with a comprehensive level data, which has been in business 5+ years, with 50+ employees or $500K+ in Sales, while X reflects a company with a minimal data, in business <5 years, with <10 employees and <$10K in Sales. Y and Z reflect a Branch and Subsidiary, respectively.

Company Profile Ranking

Financial Data

Trade Payments

Company Size

Years in Business

A

Available

Refer to Data Depth

Large: Employees: 50+ or Sales: $500K+

Established: 5+

B

Available

Refer to Data Depth

Large: Employees: 50+ or Sales: $500K+

Young: <5

C

Available

Refer to Data Depth

Medium: Employees: 10-49 or Sales: $100K-$499K

Established: 5+

D

Available

Refer to Data Depth

Medium: Employees: 10-49 or Sales: $100K-$499K

Young: <5

E

Available

Refer to Data Depth

Small: Employees: <10 and Sales: <$10K or Missing

Established: 5+

F

Available

Refer to Data Depth

Small: Employees: <10 and Sales: <$10K or Missing

Young: <5

G

Not Available

Available (3+Trade)

Large: Employees: 50+ or Sales: $500K+

Established: 5+

H

Not Available

Available (3+Trade)

Large: Employees: 50+ or Sales: $500K+

Young: <5

I

Not Available

Available (3+Trade)

Medium: Employees: 10-49 or Sales: $100K-$499K

Established: 5+

J

Not Available

Available (3+Trade)

Medium: Employees: 10-49 or Sales: $100K-$499K

Young: <5

K

Not Available

Available (3+Trade)

Small: Employees: <10 and Sales: <$10K or Missing

Established: 5+

L

Not Available

Available (3+Trade)

Small: Employees: <10 and Sales: <$10K or Missing

Young: <5

M

Not Available

Available (1-2 Trade)

Large: Employees: 50+ or Sales: $500K+

Established: 5+

N

Not Available

Available (1-2 Trade)

Large: Employees: 50+ or Sales: $500K+

Young: <5

O

Not Available

Available (1-2 Trade)

Medium: Employees: 10-49 or Sales: $100K-$499K

Established: 5+

P

Not Available

Available (1-2 Trade)

Medium: Employees: 10-49 or Sales: $100K-$499K

Young: <5

Q

Not Available

Available (1-2 Trade)

Small: Employees: <10 and Sales: <$10K or Missing

Established: 5+

R

Not Available

Available (1-2 Trade)

Small: Employees: <10 and Sales: <$10K or Missing

Young: <5

S

Not Available

Not Available

Large: Employees: 50+ or Sales: $500K+

Established: 5+

T

Not Available

Not Available

Large: Employees: 50+ or Sales: $500K+

Young: <5

U

Not Available

Not Available

Medium: Employees: 10-49 or Sales: $100K-$499K

Established: 5+

V

Not Available

Not Available

Medium: Employees: 10-49 or Sales: $100K-$499K

Young: <5

W

Not Available

Not Available

Small: Employees: <10 and Sales: <$10K or Missing

Established: 5+

X

Not Available

Not Available

Small: Employees: <10 and Sales: <$10K or Missing

Young: <5

Y

Branch

Z

Subsidiary

This product is only available for organizations domiciled in the United States and Canada. If the trade up option was selected, and the headquarters is domiciled in another country, an error may be returned depending on the scope of the particular database being accessed by the product request.

The availability of certain scores delivered by this product may be limited due to a lack of sufficient company or industry specific data to perform the calculations.