The United Kingdom
The D&B® Rating in Europe consists of a Risk Indicator 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 | Probability of Failure | Guide to Interpretation |
|---|---|---|
| 1 | Minimal risk | Proceed with transaction - offer extended terms if required |
| 2 | Low risk | Proceed with transaction |
| 3 | Slightly greater than average risk | Proceed with transaction but monitor closely |
| 4 | Significant level of risk | Take suitable assurances before extending credit - e.g. personal guarantees |
| - | Insufficient information to assign a risk indicator | No public information or D&B proprietary information available to assign a valid risk |
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 | Based On Capital | Net Worth (in €) |
|---|---|---|
| 5A | 5AA | 35,000,000 and greater |
| 4A | 4AA | 15,000,000 - 34,999,999 |
| 3A | 3AA | 7,000,000 - 14,999,999 |
| 2A | 2AA | 1,500,000 - 6,999,999 |
| 1A | 1AA | 700,000 - 1,499,999 |
| A | AA | 350,000 - 699,999 |
| B | BB | 200,000 - 349,999 |
| C | CC | 100,000 - 199,999 |
| D | DD | 70,000 - 99,999 |
| E | EE | 35,000 - 69,999 |
| F | FF | 20,000 - 34,999 |
| G | GG | 8,000 - 19,999 |
| H | HH | 0 - 7999 |
| N | Negative net worth (negative balance of equity after deduction of intangibles) | |
| O | Net worth undetermined (accounts unavailable or older than 2 years) | |
| NQ | Out of Business: Business has ceased to trade | |