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 IndicatorMeaningProbability of FailureGuide to Interpretation
1Minimal riskProceed with transaction - offer terms requiredAssigned to companies of undoubted credit standing and financial strength. The risk associated with being a creditor of these concerns would be negligible or zero, the concern which pays bills promptly or discount.
2Low riskProceed with transactionThis is assigned to financially sound concerns, having no known record of bad payments and paying suppliers quickly. The risk of being associated with being a creditor of these concerns would be low and they would be classified as an ordinary trade risk.
3Greater than average riskProceed with transaction but monitor closelyAssigned to concerns believed to be financially sound but with a history of slow payments or some losses or working capital deficit. The risk associated with being a creditor of these concerns is higher and would be classified as potentially slow payers or fair trade risk
4Significant level of riskTake suitable assurances before extending creditAssigned to concerns of known financial weakness. A number of years losses, higher than normal working capital deficit, a negative capital deficit, a negative tangible net worth which is worsening, court judgments, bad payments etc. This risk is associated with being a creditor of these concerns is high or significant.
5 / -Insufficient information to assign a risk indicatorNo public information or D&B proprietary information available to indicate trading activityAssigned to concerns where there is insufficient information available to express any opinion on the condition, financial soundness or payment history of the concern. A concern with no telephone number will also be assigned a "-" condition.

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 USD)
5A5AA60,000,000 and greater
4A4AA25,000,000 - 59,999,999
3A3AA12,000,000 - 24,999,999
2A2AA2,500,000 - 11,999,999
1A1AA1,200,000 - 2,499,999
AAA600,000 - 1,199,999
BBB345,000 - 599,999
CCC175,000 - 349,999
DDD120,000 - 174,999
EEE60,000 - 119,999
FFF35,000 - 59,999
GGG15,000 - 34,999
HHH0 - 14,999
NFinancial Strength is negative
OFinancial Strength is undisclosed
NBNew Business less than 24 months old
NQCeased Trading