Business Information & Credit Risk Solutions

ICAP CRIF Score expresses an estimation of a company’s credit quality with respect to the probability of default and/or bankruptcy within a one – year time horizon. This estimation is based on an analysis of commercial, financial and trading data derived from public sources.

Business Reports for Romanian, Greek, Bulgarian and Cypriot companies are available through subscription-based access to the online platform www.icapb2b.ro

Our wide variety of Business Reports help companies and lenders detect potential commercial and credit risk and better manage risk in commercial transactions and throughout the customer lifecycle.

In addition, the Monitoring Service offers continuous monitoring on an annual basis and provides early warnings for any significant events or changes that have or may have an adverse effect on the credit assessment or financial position of the companies you are trading with.

• View the distribution of companiesbased on their creditworthiness, expressed through ICAP CRIF Credit Score;
• Evaluate the risk of Non-Payment based on the data derived from the Trade Exchange program
• Monitor your portfolio by receiving alerts for changes occurring in the companies and be informed in time when negative events occur;
• View the distribution of companies in the portfolio based on their financial performance.

International Business Reports

The International Business Reports provide a complete picture of the financial situation of each investigated business entity, as well as assessment of the creditworthiness and the potential risk associated with the transactions with this entity. You can choose between different types of Business Reports depending on the type and extensiveness of the information that you require.

Additionally, you can monitor the activity of companies and receive alerts about changes in the profile and the company’s operations, its creditworthiness, financial situation and business development.

Country Risk Report

The Country Risk Reports provide critical information to companies aiming for expansion into certain foreign countries by analyzing the current commercial, economic, political, investment environment and considering the risk involved in doing business in them.

The Client Portfolio Assessment is recommended for Sales, Marketing & Financial departments to adapt the commercial policies and to assess the potential Risk involved in the trading.

Due to our expertise in Management Consulting, Credit Risk Services & Sector Studies, we developed this instrument to compare the clients among themselves or even to compare prospects to your existing clients.

ICAP CRIF Competition Analysis identifies the position of one company versus a selected list of competitors as to deliver a structured overview on the competition. The comparison with last year’s findings provides further insight into changes of the Risk surface of each competitor.

Click here to see the list of our latest Sector Studies.

ICAP CRIF Delinquency Score: It uses the financial analysis, negative, commercial and transactional information present in official sources.Evaluand nevoia de a avea un scoring cat mai precis si care sa evidentieze realitatea economica, ICAP CRIF in Romania adapted the scoring launched in May 2019 to have a scoring as accurate as possible and to highlight the economic reality. The high sensitivity of derogatory data and the share of financial data in the scoring algorithm, led to a recalibration of the weight of factors included. It gives more weight to financial indicators than before.

COVID SECTOR CHECK: An assessment of all NACE codes in Romania on a scale of 1-5 of  impact due to COVID-19 crisis on each industry. The risk index has a horizon of 12 months and expresses the current appreciation regarding the effects of the blocking and suspension measures imposed on the economic activities, due to COVID-19 pandemic for each activity sector, considering the probability of recovery. The baseline scenario includes the gradual lifting of suspension / interruption measures at the end of May 2020, with the slow recovery of economic activity starting with June.

COVID COMPANY INDEX: The evaluation results are presented on a scale of values from 0 to 100, where with 0 are marked the companies that have the highest probability of default and with 100 those with the lowest probability of default. The index indicates the assessment of the adjusted creditworthiness of the companies for the next 12 months, triggered by the Covid-19 pandemic and by the effects of the blocking and suspension measures imposed on the economic activity for each evaluated company. It combines existing creditworthiness assessments of companies through ICAP CRIF scoring and the COVID-19 INDUSTRY INDEX, an impact assessment on the industry, which presents the severity of the impact and the potential of the recovery industry.

IMM INVEST REGISTRATION REQUESTS: IMM INVEST Program allows SMEs significantly affected by the COVID-19 crisis to ensure their liquidity for the activity for investments, by accessing one or more credits for making investments and / or one or more credits / credit lines for working capital. You can see if the investigated company applied very easily with all the necessary information:

SPECIAL EVENTS. CSU CERTIFICATES: The emergency situation certificate is the document that is used in the relations with the public institutions, in order to obtain some facilities or support measures, or in the commercial relations, in accordance with the law. The companies, whose activity is affected in the context of the SARS – CoV-2 pandemic, could request the issuance of a CSU certificate for the entire period of the Emergency State, depending on how affected they were by the imposed measures.
– CSU BLUE – for the total or partial interruption of activity as a result of the effects of the decisions issued by the competent public authorities, according to the law, during the state of emergency decreed (affected by the Military Ordinances)
– CSU Yellow – for recording a decrease in recipes and incomes in March 2020, with a percentage of at least 25% compared to the average of receipts or revenues from January – February 2020.

Data.Prisma offers:

• Extensive search functionalities for easy access to any business entity;
• Drill-through capabilities for faster in-depth analysis;
• Customizable dashboards and reports, adapting to the specific customer needs;
• Default Analysis of User Samples, Comparisons and Rankings simplifying the analytics process;
• Advanced and interactive reporting capabilities;
• Advanced financial and statistical analysis capabilities;