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Ratings Guide


The D&B® Rating consists of a Risk Indicator/Condition Code and Financial Strength Indicator. The Financial Strength Indicator is based on either Net Worth or Issued Capital.

D&B Risk Indicator

The following possible values exist for the D&B Risk Indicator in this country.

Risk IndicatorConditionLevel of RiskGuide to Interpretation
1 Excellent Minimal risk Grant credit - offer more enlarged terms if necessary
2 Good Risk Low Grant credit
3 Regular Slightly bigger than the average Risk Grant credit, but monitored
4 Bad Meaningful Risk Examine each case before granting credit, get more market information, and analyze other suppliers. Ask for assurance if necessary due to the high risk.
S Service Companies By the business nature, do not sign risk level Companies that do not request credit in their normal activities (Banks, Brokerages, Insurance Co., Schools, Associations, Government, etc...)
- Indeterminate Unknown Risk Insufficient Information

When there is no recent financial information available, it is possible to sign the following Ratings:

Risk Indicator Criteria
O -
  • Just with the following condition present
  • Capital Stock unknown or there is no enough information to classify the company as a 2, 3 or 4.
O 4
  • Just with the following condition present
  • Protests or meaningful Actions (Bankruptcy, Concordat payment suspension, etc.), or has had judicial action.
O 3
  • Just with the following conditions present
  • Established business for more than 3 years
  • Charge issues deferred
  • No control changes in the last 2 years
  • Commercial references with delay or Punctual / in arrears
  • Lawsuit in the last 3 years
  • Clear Settled Property
  • Number of employees known (*)
  • Menace in the business line or sale channels
O 2
  • Just with the following conditions present
  • Established business for more than 10 years
  • No lawsuit in the last 5 years
  • Same control in the last 3 years
  • Clear knowledge about who the owners are with no injured information about them
  • Punctual Commercial References which represent 10% of your payable accounts or 3 punctual references
  • Business line not affected by general negative tendencies
  • Country Political and Economical Situation is not a factor of extreme negativity
  • Service Companies with no balance sheets

D&B Financial Strength Indicator

The following table possible values exist for the D&B Financial Strength Indicator in this country.

Based on Net WorthNet Worth (in USD)
5A 50,000,000 and greater
4A 10,000,000 - 49,499,999
3A 1,500,000 - 9,999,999
2A 750 ,000 - 1,499,999
1A 375,000 - 749,999
A 188,000 - 374,999
B 94,000 - 187,999
C 47,000 - 93,999
D 24,000 - 46,999
E 12,000 - 23,999
F 6,000 - 11,999
G 0 - 5,999
N4 Negative Net Worth
BR Local Branch
FB Foreign Branch
NB New Business: Less than 30 months
NQ Out of Business: Business has ceased to trade
- No information available