Definitions of
Rating & Credit Profiles
Rating The Credit Profiles
Rating
The Rating Guide gives PRACTICAL advice and suggestions on how to
interpret the Rating of a company. You'll also find recommended actions .
Rating is graded according to the following
scale:
Very good capacity of meeting payment liabilities. Please note only limited companies may obtain the AAA rating.
Good capacity of meeting payment liabilities.
Sufficient capacity of meeting payment liabilities.
No known negative information.
The capacity of the company seems weak. Security advised.
The capacity of the company seems very weak, rejected.
-
Essential information is missing or out of date.
up!Credit Profiles
History/Operation Shareholders/Management Finance Ability to Pay
History/Operation is graded according to the following scale:
| Sweden | Denmark | Finland | Norway |
| Well established | Well established | New | Well established |
| Established | Established | Established | Established |
| 2-4 Years | Newly established | Well established | Newly established |
| Newly established | Newly registered | Dormant | Not sufficient info |
| Payments suspended | Not sufficient info | Liquidation | |
| Being liquidated | Dissolved | ||
| Dissolved | |||
| Bankruptcy proceedings |
Shareholders/Management is graded according to the following scale:
| Sweden | Denmark | Finland | Norway |
| Satisfactory | Excellent | Positive | Excellent |
| Negative info exists | Good | Not negative | Good |
| Current neg info exists | Satisfactory | Neutral | Weak |
| Neg info exists (group) | No remarks | Negative | Neg info exists |
| Very neg info exists | Unsatisfactory | Very negative | Several neg remarks |
| Notes exists | Weak | Not sufficient info | |
| Negative | |||
Finance graded according to the following scale:
| Sweden | Denmark | Finland | Norway |
| Excellent | Excellent | Good | Excellent |
| Good | Good | Satisfactory | Good |
| Satisfactory | Satisfactory | Acceptable | Satisfactory |
| Unsatisfactory | Weak | Positive | Weak |
| Weak | Unsatisfactory | Neutral | Unsatisfactory |
| See economy spec | No remarks | Unsatisfactory | Not suffiscient |
| Accounts out of date | Accounts out of date | Weak | Auditors remarks |
| Accounts older then 21 months | Latest accounts missing | Not sufficient info | Accounts out of date |
| Accounts older then 23 months | Accounts not avaliable | ||
| Accounts older then 25 months | No activities | ||
| Accounts not available | |||
| Incomplete info |
Ability to Pay is graded according to the following scale:
| Sweden | Denmark | Finland | Norway |
| Excellent | No remarks | Positive | Clear |
| Good, note exists | Weak | Not negative | Satisfactory |
| Good | Unsatisfactory | Negative | Weak |
| Acceptable, note exists | Negative | Negative | Unsatisfactory |
| Unsatisfactory | Very negative | Not solvent | |
| Weak | Rating not determined. | Bankrupt | |
| Negative |
