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.
|Level of Risk
|Guide to Interpretation
|Proceed with transaction - offer extended terms if required
|Proceed with transaction
|Slightly greater than average risk
|Proceed with transaction but monitor closely
|Significant level of risk
|Review each case before extending credit and obtain more information. Take suitable assurances before extending credit, guarantees may be needed
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 NZD)
|50,000,000 and greater
|10,000,000 - 49,999,999
|5,000,000 - 9,999,999
|1,000,000 - 4,999,999
|600,000 - 999,999
|300,000 - 599,999
|100,000 - 299,999
|40,000 - 99,999
|12,000 - 39,999
|4,000 - 11,999
|0 - 3,999
|Used when information available is insufficient or does not permit assignment of a rating. This is also used for businesses that have been trading for a relatively short period. Companies showing signs of financial distress of a deficit net worth may also receive a "--" rating.
|Certain businesses do not lend themselves to a D&B rating, and the letters "NQ" on any D&B Business Information Report mean "Not Quoted". Information on these names, however, continues to be stored and updated in the D&B Business Information file, and Reports are available. Government entities are rated NQ.
|Assigned to records with minimal data that require an investigation before a rating can be assigned.
|A BR rating indicates the record is a branch location of a subject company's headquarters or headoffice.
|indicates a file which only includes ASIC (Australian Securities and Investments Commission) data which has not been matched with D&B's adverse data.
|Shown in the place of rating. INV indicates that D&B is currently updating an existing report.