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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 extended terms if required
2Low riskProceed with transaction
3Slightly greater than average riskProceed with transaction but monitor closely
4Significant level of riskTake suitable assurances before extending credit - e.g. personal guarantees
-Insufficient information to assign a risk indicatorNo 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 WorthBased On CapitalNet Worth (in €) 
5A5AA50,000,000 and greater 
4A4AA25,000,000 - 40,999,999 
3A3AA10,000,000 - 24,999,999 
2A2AA2,000,000 - 9,999,999 
1A1AA1,000,000 - 1,999,999 
AAA500,000 - 999,999 
BBB250,000 - 499,999 
CCC150,000 - 249,999 
DDD100,000 - 149,999 
EEE50,000 - 99,999 
FFF25,000 - 49,999 
GGG10,000 - 24,999 
HHH0 - 9,999 
NBalance available, negative net worth 
OCapital rating not possible, (net worth/financial data undetermined 
NBNew Business: less than 12 months old  
NQOut of Business: Business has ceased to trade.