 | What is the definition of "In Date"? |
The meaning "In Date" in a D&B Report states that the information is fresh, and has been checked with official sources and the company itself.
| Can you still order a report if it is not "In Date"? |
We have dynamic rating system and you can take out a D&B European Compact Report which is not "In Date", because the information that is available in the two larger reports is what need to be updated, for instance comments from the management.
| What is the definition of "Rating Requires Review"? |
We have received information that when it is entered into our database, the company's rating might change, because of new balance sheet e.g.
| Why does not a German Private Limited Company (GmbH) deliver its balance sheet? |
The company delivers the balance sheet to the Company House, but they pay a penelty fee to stop it from being public.
| How does D&B calculate maximum credit on their European reports? |
Maximum credit is calculated based on the risk indicator, as a % of turnover. If we do not have the turnover, net worth or share capital are being used. Risk indicator 3 is divided into 'good' and 'less good', so the distribution is as follows:
| Riskindicator | Turnover | Networth/share capital |
| 1 | 8 % | 35 % |
| 2 | 6 % | 25 % |
| 3 (good) | 4 % | 15 % |
| 3 (less good) | 2 % | 7 % |
| 4 | No limit | No limit |
| How does D&B calculate "Net worth" in an European report? |
"Net worth" is calculated by subtracting intangible assets from shareholders equity.
| What is the difference between nominal, issued and paid up capital? |
Nominal capital is the registered share capital, issued capital is the capital the shareholders are expected to raise, and paid up capital what they actually have raised.
| How can a company in UK survive with only £1 as their share capital? |
If the company has a deficit the first year, they have to raise all their capital, if the equity still is negative, they have to file for liquidation. In other words only companies that earn money can run with such low share capital.
| Why does D&B grant a limit on companies with negative "Net worth"? |
Behind our risk indicator we have a scoring algoritm and that is the reason why a company with negative "Net worth" can be rated N2 or N3. The risk for a bankruptcy in these companies are very low, so we do not have to doubt granting them a credit limit.
