Credit Report

CREDIT REPORT DESCRIPTION

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This product provides the most relevant commercial, economic and financial information needed to decide whether to grant or deny a credit grant.

axesor's Credit Report provides you with the largest information source on delinquency in the Spanish market on more than 95% of Spanish defaults comprising both information on debts with Public Administration, as well as that obtained from the main Spanish delinquency files ASNEF Empresas (Association of Financial and Credit Institutions) and RAI (Bad Debt Register).

PRODUCT CONTENT

Incorporation of the information of Bank and Commercial Default from Asnef Empresas.

It allows you to obtain the most updated, complete and exhaustive information in real time, which proceed from different public and private sources:

The most exclusive information is available with the maximum number of detail on information of non-payments:

Asnef Empresas recalculate immediately the information about the Non-payment probability, Credit Category and Maximum Solvency Capacity.

Inclusion of the Bad Debt Register information RAI

This feature allows you to follow in real time:

Executive Summary

Activity

Scoring axesor

Assessment of the credit quality expressed in terms of a scale of 0-10, sorted in ascending order (from lowest to highest quality).

The meanings of the various levels of credit rating granted by axesor are the following:

Scoring Comment
10/10 Maximum credit quality. Excellent Company capacity to meet its payment obligations. It is reliable as regards timely payment of future financial obligations.
9/10 It has a high capacity level to meet its credit obligations, even in the event of any potential changes in the financial environment.
8/10 Strong capacity to meet its credit obligations. However, this scoring may deteriorate in the event of moderately adverse changes in the financial environment.
7/10 More than adequate capacity to meet its financial obligations. However, this capacity has a higher probability to deteriorate in the mid-long term than in higher categories.
6/10 Adequate capacity to meet its financial obligations.
5/10 Although its capacity to meet payment obligations shows no difficulties at present, it may not last for long.
4/10 Low capacity to meet its financial obligations. It depends on a favorable financial environment.
3/10 Poor credit scoring. Its capacity to repay its financial obligations is uncertain. High probability of failure to meet some of its obligations. High sensitivity to financial environment changes.
2/10 Very poor credit scoring. High risk of stopping or interrupting payments.
1/10 Very close to insolvency. High risk of payment failure.
0/10 (default) Under default status We recommend avoidance of executing credit operations with this company due to the high risk and uncertainty entailed in the operation.
0/10 (inactivity) Null scoring We recommend credit operations are not conducted with this entity due to the high degree of uncertainty entailed in the operation.
NC Not qualifiable.

The assignment of axesor scoring was made using the best market practices based on different methodologies. The conclusions offered are determined based on multiple variables of different nature (commercial, financial, payment behaviour, relational, etc.), which are updated daily and in real time.

Estimated Default Probability

Section containing a predictive indicator reflecting the possibility that the analyzed company fails to repay its debt on due date in the next 12 months, together with a sectoral risk comparison.

It shows values ranging from 0 to 100. Its interpretation is consistent with the scoring method, ranging from 0% default probability, meaning there is no default possibility, to 100% default probability, reflecting an insolvent company.

Credit Opinion

Defaults, Legal Claims and Insolvency Proceedings

Accounts and balance sheet results

Section that will allow you to perform a bidirectional conversion from the 2007 General Accounting Plan to the 1990 General Accounting Plan, and vice versa. It also contains the details and evolution of the balance sheet of the past 5 financial years available regarding Assets, Equity, Liabilities, and Income statements, according to accounting regulations.

In this section you may:

The Balance Sheet is included in the New General Accounting Plan of 2007, or according to the General Accounting Plan of 1990, depending on the accounting regulations applied by the Company when preparing its financial statements.

Together with the detail of the financial magnitudes, and under the paradigm of absolute operational transparency, the following features have been included:

NOTE:The existence of this section and its content will depend on the legal form of the entity, given the particular characteristics of certain societies and the degree of updating information according to availability of the same, always prevailing the presentation of information from public sources regarding financial magnitudes or estimates.

Financial Magnitudes Estimated

This is the only and exclusive information tool available in the market that offers the main Financial Magnitudes and Investments, as estimations, of the main business activity of the analyzed entity. Various information sources from the INE (Spanish National Statistics Institute) and DIRCE (Spanish Central Directory of Companies), as well as compilation of other statistical data, have been used for this estimation.

NOTE:The existence of this section and its content will depend on the legal form of the entity, given the particular characteristics of certain societies and the degree of updating information according to availability of the same, always prevailing the presentation of information from public sources regarding financial magnitudes or estimates.

Financial Magnitudes Investigated

Main financial magnitudes and investments coming from investigations on the subject company.

NOTE:The existence of this section and its content will depend on the legal form of the entity, given the particular characteristics of certain societies and the degree of updating information according to availability of the same, always prevailing the presentation of information from public sources regarding financial magnitudes or estimates.

Matching Company Governing Bodies

A comprehensive list of proper names matching that of the analyzed entity will be shown, together with the type of positions held, currently or in the past, in the Administrative bodies of any business Company will be shown, with the option to access all the information on said Companies.

Investigated Section

Information from investigation on the company's position, payment performance, estate, future perspectives, history and additional information on its activity.

Trademark List

This section informs you of the national and community trademarks registered by the entity with the Industrial Property Registry. You will see its status next to the reference, as well as a detail of the relevant publication in the BOPI (Spanish Industrial Property Official Gazette).

Matching Trademark Holders

National and community trademarks registered to the name of the analyzed entity.

Grants and Aids

All Grants awarded to the Company as published in the Official Gazettes, with an indication of the latest published file status - whether it is application, award, modification, rejection or revocation - with details on the amount, grantor, and concept of the project the grant is awarded for.

Aids and Grants published witch matching name

This section is aimed at offering you additional information on files of grants and aids that have been published with names identical to that of the analyzed entity, but that cannot be matched with it univocally. It includes detailed information on the file status, as well as the full record containing all the details published in any Official Gazettes and Newspapers in the country.

Note: The grants may be unrelated to the selected entity in this piece of information, which is limited to reproduce the official publication contents.

Matching Public Tender Awards

In this section you will see the list of candidates whose names and provinces match that of the company you have selected and who have been chosen as Awardees for the provision of services, work or supplies to any Public Administration Bodies through public bids. Like in previous sections, you will have access to a complete summary of details of the publication and to the original image in the relevant Official Gazette.

Identification is performed by matching the name you have selected, without univocal identification of your analyzed business person, and just reproducing the official publication content.

Press releases published in Newspapers and in the News

It contains all the articles on the queried Company published in major domestic papers and economic journals and provides access to the complete text of said articles.

Sectors of interest that have queried the company

This section shows the number of the economic activity divisions that have demanded information of the subject company in the last financial periods.

Consulted Sources

Description of the different official and private sources used for the development of the report.

NOTE: The existence of each section and its content will depend on the availability of the information published

SOURCES AND UPDATE

The content of the product included in the line "Company information" comes from official sources (registries and gazettes), credit bureaus (ASNEF Empresas and RAI (Bad Debt Register)), with daily updates, and from business investigation of the company involved.

NOTE: Some information may appear in Spanish due to the fact that it was taken from an investigation

NOTE: The sections included will be contingent on availability of the relevant information for the queried Company.

PATH

Company information / Company Reports / Credit Report