AAA-Rating is an automatic, constantly updated creditworthiness rating system. By systematically collecting and analysing information concerning operation, background, finances and ability to pay, it evaluates the creditworthiness of a company and its ability to handle obligations related to normal business operations. As the AAA-Rating is automatically updated, its information is more real-time than that of any other creditworthiness Rating. As it is mechanically produced, it is always objective and facilitates comparisons between companies.
Rating-model
Business Rating Categories
| AAA | Highest Creditworthiness |
| AA | Good Creditworthiness |
| A | Creditworthy |
| AN | New Company with positive background |
| Not Rated | Information missing or inconsistent |
| B | Credit against securities |
| C | Credit rejected |
Part judgements
Output values of Operation
| Well established | History more than 2 periods, active according to tax authorities |
| Newly established | History less than 2 periods, active according to tax authorities |
| Activity unconfirmed | Registered by Companies House, activity not confirmed by tax authorities |
| Passive | Earlier active, now activity not confirmed by tax authorities |
| Liquidation | Status according to Companies House or tax authorities |
| Dissolved | Status according to Companies House or tax authorities |
Output values of Background
| Positive | Positive parent company or group, wide ownership etc. |
| Not negative | Credit history of responsible persons positive |
| Neutral | Foreign parent company or responsible persons missing IDs |
| Negative | Parent company’s rating or credit history of responsible persons negative |
| Not rated | Board and other responsible persons missing |
Output values of Finance
| Good | Financial ratios excellent |
| Satisfactory | Financial ratios better than average |
| Acceptable | Financial ratios average |
| Neutral | Financials available older than 24 months |
| Not rateable | Financial analysis not possible because of nature of the business(banks, insurance companies etc) |
| Unsatisfactory | Financial ratios worse than average |
| Weak | Financial ratios poor, equity ratio often negative |
Output values of Ability to pay
| Positive | No payment remarks, trade experiences positive (>72) |
| Not negative | No payment remarks, fresh trade experiences missing |
| Slightly negative | Old payment remark or Paydex 60-72 |
| Negative | Payment remarks or Paydex 40-59 |
| Very negative | Several payment remarks or Paydex <40 |