Predictive Bankruptcy Risk - D&B Financial Stress Score (FSS) v 7.1

The US Financial Stress Score predicts the likelihood that a business will go bankrupt or close with outstanding debts within the next twelve months. Contrasted with previous releases, Version 7.1 utilizes more financial statement and ratio variables, to better predict impending financial distress.

Requirements & Options

When requesting this D&B Direct product, a valid D-U-N-S Number for a company, a country code of "US" and the appropriate product code will be required. If this information is not available, refer to obtaining a company D-U-N-S Number for assistance. A trade up option exists to request data for the headquarters when the requested organization is a branch.

NOTE: The product code for Predictive Bankruptcy Risk - D&B Financial Stress Score (FSS) v 7.1 is PBR_FSS_V7.1. This product may be included in the Monitoring process.

Business Elements

The following table is an alphabetical list of the unique items delivered in this data layer. Legend: [C] = may be included in a Custom Data product; [M] = may be referenced by the Monitoring process; [M+] = Monitored using an aggregate or attribute XPath.

NOTE: This product will return a set of standard elements (e.g. D-U-N-S Number, Organization Name, Trade Styles, Family Tree Role, Primary Address, Mailing Address, Telephone Number, Fax Number, et al.) along with the business elements listed. In addition, customers who compare the following table to the Data Primer should be advised of several intentional differences.

Name Description XML* JSON*
Bankruptcy Indicator When TRUE it indicates subject is involved in a bankruptcy. [C] [M] SOAP REST
Business Commentary Text Text that records a brief statement of the subject company's assessment [C] [M] SOAP REST
CEO Name Text recording the name of the CEO Organization. [C] [M+] SOAP REST
CEO Title Text recording the title of the primary executive. [C] [M+] SOAP REST
Control Ownership Date The date when the current owners took over this business. [C] [M] SOAP REST
D&B Files Represented Percentage A percentage specifying the files for a corresponding Financial Stress Class that are in the D&B data base. [C] [M] SOAP REST
D&B Rating Text describing the estimated financial strength and composite credit appraisal assigned to the subject at the time of last update. [C] [M] SOAP REST
Do Not Confuse with Organization Name Text recording a name which could be very similar to the name of the subject and is very likely to be mistakenly used as the name of the subject. [C] [M+] SOAP REST
Fiancial Stress Score Average National Risk Incidence Percentage A percentage specifying the Average number of Failures that happened. [C] [M] SOAP REST
Fiinancial Stress Score Class Description Text that describes the Financial Stress Class Score by specifying in which risk group this organization belongs. [C] [M+] SOAP REST
Financial Statement Currency [C] SOAP REST
Financial Statement Duration [C] SOAP REST
Financial Statement To Date The date when the accounting period ended. If the accounting figures are projected (future), then this is the date when the accounting period will end. [C] [M] SOAP REST
Financial Statement Unit of Size
SOAP REST
Financial Stress Score Average National Risk Incidence Count The count of the number of failures that happened within this industry relative to the total number of failures that happened for all businesses. [C] [M] SOAP REST
Financial Stress Score Class Score A one digit number from 0 to 5 assigned to the business based on information in D&Bss file. The higher the class score the greater the likelihood that the organization will seek legal relief from creditors or cease operations without paying all of its cre [C] [M] SOAP REST
Financial Stress Score Commentary Text Text that explains the primary reasons for the financial stress score. [C] [M+] SOAP REST
Financial Stress Score Date The date on which the primary reasons for the Financial Stress Score. [C] [M] SOAP REST
Financial Stress Score National Percentile A number that identifies where this organization's score falls relative to the scores of other businesses. As an example if the percentile here is 10 it means that this organization's score is the same as or better than 10% of the businesses in D&B's data [C] [M] SOAP REST
Financial Stress Score Raw Score A numeric value that predicts the likelihood that the organization will seek legal relief from creditors or cease operations without paying all of its creditors in full in the next 12 months [C] [M] SOAP REST
Financial Stress Score Relationship to National Average Percentage A percentage specifying a corresponding Financial Stress Class as it relates to the Industry Average. [C] [M] SOAP REST
Financial Stress Score Risk Incidence Count A count of the number of organizations that have the same Class Score and have experienced financial stress. [C] [M] SOAP REST
Financial Stress Score Risk Incidence Percentage A percentage specifying the likelihood that the organization will seek legal relief from creditors or cease operations without paying all of its creditors in full in the next 12 months. This percentage is determined based on which range this organization' [C] [M] SOAP REST
Headquarter Employee Quantity A number that defines how many people are directly engaged and paid by the organization to perform or support its business operations at the headquarter location. [C] [M] SOAP REST
Line of Business Text that records the description of operations continued by a business. [C] [M+] SOAP REST
Organization Out of Business Indicator When TRUE it indicates that this organization is no longer functional / trading. When FALSE it indicates that this organization is functioning / trading. [C] SOAP REST
Organization Start Year The year when operations undertaken by the organization commenced. [C] [M] SOAP REST
Out of business indicator Indicator signifying company is out of business [C] SOAP REST
Out of Business Indicator Text that records that the business has ceased trading permanently and will not resume operations at their last most recenlty listed address. [C] SOAP REST
SIC Code The code represents an activity in which the organization engages in.  A business may have up to five activities in which it participates. [C] SOAP REST
Special Event Date The date when the special event took place. [C] SOAP REST
Total Employee Quantity A number that defines how many people are directly engaged and paid by the organization to perform or support its business operations. [C] [M] SOAP REST
Total Equity Amount The total value of share capital/stock originally invested by shareholders/stockholders plus any reserves which have arisen such as retained profits which are ploughed back into the firm. Also known as Net Worth. [C] [M] SOAP REST
Trade Data Unavailability Indicator Indicates that there are no trade experiences in the D&B files for this business. [C] [M] SOAP REST

*The links in this column provide the technical characteristics for the data field of the respective business element in the XML or JSON response.

The preceding list is not presented in the order, nor manner, in which the information is packaged and delivered via the D&B Direct API.

While data for a particular company may not contain values for all of the business elements, there may be items that are considered by D&B to be essential to yield the maximum benefit of a data layer. If any of these essential elements do not contain a value for a particular company, an error code will be returned, and your organization will not incur a usage credit for the request.

The Product Availability Lookup feature may be utilized to determine if this D&B Direct product is available for a given D-U-N-S Number.

The availability of certain scores delivered by this product may be limited due to a lack of sufficient company or industry specific data to perform the calculations.

Additional Details

D&B defines stress as: Obtaining legal relief from creditors; ceasing business operations without paying all creditors in full over the next twelve months; voluntarily withdrawing from business operation, leaving unpaid obligations; or going into receivership, reorganization, or making an arrangement for the benefit of creditors.

This product is only available for organizations domiciled in the United States. If the trade up option was selected, and the headquarters is domiciled in another country, an error may be returned depending on the scope of the particular database being accessed by the product request.

Access to this information is provided on a metered basis; and will require data layer entitlement prior to use in the production environment. A built-in feature exists to prevent duplicate billing when multiple requests with the same D-U-N-S Number and product code are submitted on the same calendar day (which is based on Eastern Standard Time [GMT-5]).

An option exists to retain the results from all successful requests for this product in a Product Request Archive, which may be retrieved without incurring additional usage charges.

Previous Calculations

Existing D&B customers who have developed applications that rely on an earlier Financial Stress Score (FSS) calculation may request either the v 6.0 or v 5.0 variation of the FSS by passing the alternate product codes of PBR_FSS_V6.0 or PBR_FSS_V5.0 respectively.

Technical Specification

For details on how to obtain this data layer, please refer to the Assessment.OrderProduct (SOAP) or Assessment.OrderProduct (REST) page.


Product History

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