Brazil

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 Indicator	Condition	Level of Risk	Guide 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
O S	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 Worth	Net 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

Loading

Brazil

D&B Risk Indicator

D&B Financial Strength Indicator