The
D&B Rating Guidelines
The D&B Rating Guidelines gives you practical help and support concerning
the interpretation of your D&B Rating.
Rating CodesLimitSpecial EventsCredit Profile
History/Operation
Generally, the following is found in D&B
reports:
Name of the Business
Mailing address, zip code and post office
Telephone and fax numbers
Business organization (tax) number
D-U-N-S number
VAT-number
Business legal form -Click
here to read more about business legal forms.
We recommend a D&B Rating report when you want to check an existing customer, or when you are dealing with a new customer and a credit limit below 10,000 SEK.
The following rating codes can appear in a D&B Rating report:
| AAA | Highest credit worthiness |
| AA | Good credit worthiness |
| A | Credit worthy |
| AN | Newly established |
| B | Credit aginst security |
| C | Credit rejected |
| -- | Rating not established |
Companies not included in the rating system may
receive the following code:
NR Not rated
Finland:
A Finnish Business which has not submitted its annual reports, and whose rating is based
on its payment score, cannot receive a higher rating than A.
Norway:
A Norwegian sole proprietorship cannot receive a higher rating than AA.
Sweden:
Sole proprietorships, partnerships or limited partnerships cannot receive a higher rating
than AA.
A limit is stated for each company with a rating of AAA, AA and A. The limit model used is based on both the companys's cash flow and shareholder equity.
The following limitations apply:
General:
| AAA | No more than 9% of tunover |
| AA | No more than 6% of turnover |
| A | No more than 3% of turnover |
Danmark:
Limit not to exceed 50,000 Tdkk.
Norway:
Companies with turnover of less than one million NOK are not given a limit. Companies with
primary industry codes of 6100, 6110, 6120, 7010, 7020 and 7415 (shipping, property and
holding management) are not given any limit either.
If a special event concerning a company has been registered, this will affect the companys's rating. Examples of special events include: suspension of payments, negotiations with creditors, merger, changes in the Board of Directors and/or auditors, etc.
While special events are often negative, some may be
positive. For example, when a company classified with as "B" , is reclassified
based on a current even, as "(-) Not rated".
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Credit Profile - Sweden
The information used in our rating system is grouped and categorized as follows (each Credit Profile is evaluated separately):
History/Operation
Shareholders/management
Finances
Solvency
Click here to read about Credit Profiles in the rest of Scandinavia.
The History/Operation shows the change in the company since the first rating. Using the History/Operation, you can easily see the company's rating trend.
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