Ratings Guide


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 IndicatorProbability of FailureGuide to Interpretation
1Minimal riskProceed with transaction - offer terms required
2Low riskProceed with transaction
3Greater than average riskProceed with transaction but monitor closely
4Significant level of riskTake suitable assurances before extending credit
-Insufficient information to assign a risk indicatorNo public information or D&B proprietary information

D&B Financial Strength Indicator

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

Based on Net WorthBased On CapitalNet Worth (in PLN)
5A 5AA 200,000,000 and greater
4A 4AA 75,000,000 - 199,999,999
3A 3AA 35,000,000 - 74,999,999
2A 2AA 7,000,000 - 34,999,999
1A 1AA 3,000,000 - 6,999,999
A AA 1,750,000 - 2,999,999
B BB 1,200,000 - 1,749,999
C CC 660,000 - 1,199,999
D DD 440,000 - 659,999
E EE 200,000 - 439,999
F FF 100,000 - 199,999
G GG 50,000 - 99,999
H HH 0 - 49,999
N Negative net worth of the company
O Unspecified net worth. Lack of financial data, not older than 18 months
NB The new company. The company was founded in the last 12 months
NQ Company liquidated