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Ratings Guide
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New Zealand

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
1StrongMinimal riskProceed with transaction - offer extended terms if required
2GoodLow riskProceed with transaction
3FairSlightly greater than average riskProceed with transaction but monitor closely
4LimitedSignificant level of riskReview 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 WorthNet Worth (in NZD)
5A 50,000,000 and greater
4A 10,000,000 - 49,999,999
3A 5,000,000 - 9,999,999
2A 1,000,000 - 4,999,999
A 600,000 - 999,999
B 300,000 - 599,999
C 100,000 - 299,999
D 40,000 - 99,999
E 12,000 - 39,999
F 4,000 - 11,999
G 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.
NQ 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.
DS Assigned to records with minimal data that require an investigation before a rating can be assigned.
BR A BR rating indicates the record is a branch location of a subject company's headquarters or headoffice.
AC indicates a file which only includes ASIC (Australian Securities and Investments Commission) data which has not been matched with D&B's adverse data.
INV Shown in the place of rating. INV indicates that D&B is currently updating an existing report.