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 €)
5A5AA78,005,709 and greater
4A4AA31,534,223 - 78,005,709
3A3AA15,601,142 - 31,534,223
2A2AA3,153,442 - 15,601,142
1A1AA1,560,114 - 3,153,422
AAA796,654 - 1,560,114
BBB464,715 - 796,654
CCC232,357 - 464,715
DDD156,011 - 232,357
EEE82,985 - 156,011
FFF46,471 - 82,985
GGG19,916 - 46,471
HHH0 - 19,916
NNegative Net Worth: Negative balance of equity after deduction of intangibles. If Net Worth / Issued Capital is not known then one of the following will be used
ONet Worth Undetermined: Accounts 
NBNew Business: less than 12 months old 
NQOut of Business: Business has ceased to trade.