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.