Additional scores & indicators are available to provide additional information when assessing a company's performance. We have included the following three indicators within a company credit report.

Credit Flag, Augur Score, and Graydon Rating are available to Graydon customers ONLY.

Financial Strength Indicator (FSI)


The financial strength indicator uses a number of key ratios from the company’s latest financial statements to understand the strength of the company’s financial position. The key ratios evaluated include:



The solvency ratio indicates whether a company's cash flow is sufficient to meet its long-term liabilities and thus is a measure of its financial health. It can indicate the likelihood that a company will default on its debt obligations.


Return on Debt (ROD) 

This is a measure of profitability with respect to a firm's leverage. Return on debt shows how much the usage of borrowed funds contributes to profitability.



We use the current ratio which analyses the Total Current Assets / Total Current Liabilities. The current ratio helps investors and creditors understand the liquidity of a company and how easily that company will be able to pay off its current liabilities. A higher current ratio is always more favourable than a lower current ratio because it illustrates the company can more easily make current debt payments.



This ratio analyses the growth in the equity of the company based on the current year compared to the previous year. Besides determining the value of a company, equity is important to businesses because it can be used to finance expansion. Funding business expansion by selling shares of stock to investors is “equity financing.” When a company sells stock, it sells equity to investors for cash that it can use to fund growth.


We analyse all the above ratios for all active companies which have valid financial statements available. All these ratios are then put through our model to construct the financial strength indicator. Below shows the different financial strength values and what they mean. 

The strongest strength indicator is A1; the indicators then run in descending order as shown above in terms of the analysis we have conducted for the strength of the financial position. 


The FSI will be available for companies that have an international score of A, B, C or D and a set of accounts that is no more than 3 years old. The countries that are currently covered are BE, CA, DE, DK, FR, UK, IE, IT, LU, NL, NO and SE.


Payment Behaviour Indicator (PBI)

The payment behaviour indicator measures how quickly a company pays its invoices. This is similar to the Creditsafe DBT score; however, our Payment Behaviour Indicator is a weighted DBT based on invoices within the last 12 months, rather than 36 months of data utilised to generate the Creditsafe DBT. This gives our customers highly relevant insights into the current payment behaviour of companies as it is done over a shorter period. 


The PBI is represented on a scale of 1 (very late payer) to 10 (pay on, or ahead of, terms) and is plotted to the weighted DBT as follows:

The PBI will be available for companies that have an outstanding invoice or an invoice that was paid in the last 12 months. The countries that are currently covered are BE, DE, FR, UK, IT, NL, SE and US.

Payment Expectation Indicator (PEI)


The Payment Expectation Indicator measures the likelihood that a company will become delinquent in paying its invoices over the next 12 months. The Payment Expectation Indicator not only assesses trade payment data, but also looks at the balance sheet of a company and its creditor obligations against the level of trade data available. The PEI is represented on a scale of 1 (High Risk of Not paying) to 10 (Payment Very Likely).

The PEI will be available for companies that have an international score of A, B, C or D and a payment expectation indicator value (see PBI section for requirements). The countries that are currently covered are BE, DE, FR, UK, IT, NL, SE and US.

Estimated Turnover Indicator (ETI) 


The Estimated Turnover Indicator is Creditsafe's estimation of annual turnover for companies that file financial statements but have not disclosed a turnover figure in their income statement. The estimates are calculated by using key figures from the company’s balance sheet and ratios from the accounts of other companies that operate in the same industry sector. 

These estimates are only available for companies in the UK and IE with financial statements dated in the last 3 years, which contain a balance sheet, but do not disclose the company’s turnover value. 

The estimated turnover bandings are broken into 4 main bands. The highest band is £10 million and over, as larger companies are required to file the revenue, so the ETI is not required for those businesses.

AFDCC 3 Score (French reports only)


AFDCC 3 is the third release of the solvability index created by the AFDCC, the most prominent credit management association in France.

Presented as a 20-point score with 0.5 increments, it is based on 6 financial ratios designed by AFDCC experts and cover the 6 largest activity sectors for companies with a turnover greater than 100 000€. The six sectors are: Industry, Retail (including Hotels, Cafés and Restaurants), Wholesale, Construction, Transport and Services. Its precision has been calculated to 86.1% predictability.

The weight assigned to each ratio is defined as follows: