What you will see inside the Finance Agreements tab depends on the level of access you are eligible for – if you are unsure what information you are eligible to see, please contact your Account Manager.

*images below are for illustrative purposes only


Financial Footprint 

The Financial Footprint is an overview of all facilities the company has each month. You can view how many facilities the business has open each month and provides the earliest date a facility was open and the latest date. It also aggregates balances by facility types for a quick snapshot of the customer’s financial position.

*Please note that Total Balance, Overdraft Limit and Average Balance is only available to CCDS members.


All Accounts

  • Active Accounts – The total number of accounts that are classed as active. Active may include defaulted facilities.
  • Settled Accounts - The total number of accounts that are classed as settled and has settled on good terms.
  • Earliest Start Date – The earliest start date of any account.
  • Latest Start Date - The latest start date of any account
  • Total Balance – The total balance remaining of all facilities after deducting the debt. The calculation is current balance minus credit cards and loan balances.
  • Overdraft Limit - The total of all overdrafts and credit limits available.
  • Average Balance - The total average balance for all current accounts available.

 

Current Accounts 

  • Active Accounts – The total number of accounts that are classed as active. Active may include defaulted facilities.
  • Settled Accounts - The total number of accounts that are classed as settled and has settled on good terms.
  • Earliest Start Date – The earliest start date of any current account.
  • Latest Start Date - The latest start date of any current account.
  • Total Balance - The total balance of all current accounts.
  • Overdraft Limit - The total amount of overdrafts available. 
  • Remaining Balance - The total remaining balance of all current accounts. The calculation is current balance minus overdraft limit.
  • Average Balance - The total average balance for all current accounts available.


Credit Cards 

  • Active Accounts – The total number of accounts that are classed as active. Active may include defaulted facilities.
  • Settled Accounts - The total number of accounts that are classed as settled and has settled on good terms.
  • Earliest Start Date – The earliest start date of any credit card.
  • Latest Start Date - The latest start date of any credit card.
  • Total Balance - The total balance of all credit cards.
  • Credit Limit- The total of all credit limits available.
  • Remaining Balance - The total remaining balance of credit cards. The calculation is credit card balance minus credit limits.


Loans

  • Active Accounts – The total number of accounts that are classed as active. Active may include defaulted facilities.
  • Settled Accounts - The total number of accounts that are classed as settled and has settled on good terms.
  • Earliest Start Date – The earliest start date of any loan.
  • Latest Start Date - The latest start date of any loan.
  • Total Balance- The total balance of all loan facilities.


Performance Overview - Finance Performance Indicator History

In the Performance Overview sub-tab within Finance Agreements, the Finance Performance Indicator shows how a company is performing monthly across their facilities. The indicator predicts the likelihood of a company defaulting on payments within the next 90 days and shows the payment performance trend.

The indicator ranges from 0-9 (0 being most likely to default, 9 being least likely) and are linked to Red-Amber-Green Scores:

Green = 7, 8, 9

Amber = 3, 4, 5, 6 

Red = 0, 1, 2




Performance Overview - Worst Status History (available to CCDS members only)

In the Performance Overview sub-tab within Finance Agreements, the Worst Status History shows the worst performing facility status each month. The history will show a full 4 years of statuses where available. Where there is more than 48 months’ worth of statuses to report, the latest year will populate each month until a full year is showing on the website.



Summary By Account Type (available to CCDS members only) 

Summary By Account Type shows a 12-month aggregated view of some of the key data points to show the trending performance of a facility. The graphs can be split by the different facility type and can be specific to a year of interest.

Current Accounts 

All fields listed on the graphs are an aggregated view of all the facilities that a company has each month.

  • Facility Status – The worst status of any current account to provide a monthly indication of the payment performance of the facility.
  • Account Balances – Account Balances gives the option to look at the graph with average balance, minimum balance, and maximum balance together to enable the user to compare these fields or the option to click on each of the keys and view the data individually.
  • Credit Turnover - The value of all payments into the facility during the reporting period.
  • Debit Turnover - The total value of all debits out of the facility during the reporting period.
  • Overdraft - The amount of money borrowed through a current account.


Credit Cards 

All fields listed on the graphs are an aggregated view of all the facilities that a company has each month.

  • Facility Status – The worst status of any credit card to provide a monthly indication of the payment performance of the facility.
  • Current Balance - The total money borrowed by the company using credit cards.
  • Credit Limit - The maximum amount of money, in total, you can borrow on your credit card at any one time.
  • Remaining Balance - The total remaining balance of credit cards. The calculation is credit card balance minus credit limit.

 

Loans

All fields listed on the graphs are an aggregated view of all the facilities that a company has each month.

  • Facility Status – The worst status of any loan to provide a monthly indication of the payment performance of the facility.
  • Current Balance - The total money borrowed by the company using loan type facilities.


Facilities Data (available to CCDS members only)

A detailed breakdown of each individual facility’s key data points as well as the historical view of the status of that facility. 

The month shown in the Facilities Data section is decided by the drop downs in the Financial Footprint section as shown in the image below.


All fields listed in the Facilities Data section are fields that are available in the CCDS specification and are subject to their facility type. For example, rejected payments are only available for current accounts and will therefore not show on credit cards or loans facilities.

Account status history gives the status code that is provided each month as an indication of the payment performance of the individual facility.