Predictive Bankruptcy & Payment Risk - Enhanced

Provides predictive risk insight regarding a suppliers possible future business standing including such things as Credit Score, Financial Stress Score (FSS), Supplier Evaluation Risk (SER) Rating and Debarment indicator.

The Enhanced version of this product includes the Performance Rating and Supplier Stability Indicator (SSI).

Requirements & Options

When requesting this D&B Direct product, a valid D-U-N-S Number for a company, its country code, 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.

When ordering information for organizations located in Germany, customers are required to provide a valid order reason code. A list of possible values is included on the respective SOAP or REST operation page.

NOTE: The product code for Predictive Bankruptcy & Payment Risk - Enhanced is PBPR_ENH. 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*
Business Commentary Text Text that records a brief statement of the subject company's assessment [C] SOAP REST
Commercial Credit Class Score A one digit number from 0 to 5 based on the information D&B's file. It indicates the risk of delinquent payments over the next 12 months. [C] [M] SOAP REST
Commercial Credit Percentile Date The Date on which the credit score was generated from the model [C] [M] SOAP REST
Commercial Credit Raw Score A numeric value that predicts the likelihood that the organization will pay its bills in a severely delinquent manner (90+ days overdue) over the next 12 months [C] [M] SOAP REST
Commercial Credit Score Commentary Text Text that explains the primary reasons the business was assigned the Commercial Credit Score. [C] SOAP REST
Commercial Credit Score National Percentage A number that identifies where this organization's Commercial Credit 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 busi [C] [M] SOAP REST
Commercial Credit Score Override Reason Text Text that indicates the reason no Commercial Credit Score was calculated or the reason the the score is equal to 0. [C] [M] SOAP REST
Commercial Credit Score Risk Incidence Percentage A percentage specifying the likelihood that the organization will pay bills in a delinquient manner, seek legal relief from creditors, or cease operations without paying creditors in full. A low percentage indicates a high probability the the business wil [C] [M] SOAP REST
Commercial Credit Score Risk Incidence Percentage Industry Median The 50th percentile value for the commercial credit score for the subject's industry. A subject with a percentile score below this norm would be considered to be in the bottom 50% of all companies within this industry to face delinquency. [C] [M+] SOAP REST
Debarments Total Filing Count A count of the debarments present in the D&B file for this subject. [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 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 Override Reason Text recording the primary reasons for the financial stress override to provide a globally consistent view of the reason for the override. [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 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
Low Range Score for Commercial Credit Risk Incidenc Raw Score Text that records the low end number in a range for the Commercial Credit Raw Score. For example if the range were 240 - 280 than 240 would be the low range number. [C] [M] SOAP REST
Maximum Range Score for Commercial Credit Score Risk Incidence Raw Score Text that records high Score for Incidence of Delinquent Payment. [C] [M] SOAP REST
Maximum Recommended Credit Limit A monetary figure suggesting the greatest amount of credit that should be extended to this organization. [M] SOAP REST
Maximum Recommended Credit Limit A monetary figure suggesting the greatest amount of credit that should be extended to this organization. [M] SOAP REST
Non-Postal Town Text recording the name of a village, town or suburb where this is not a Primary Town/City. For example, 'Booker' in Booker, High Wycombe. [C] [M+] SOAP REST
Supplier Evaluation Risk Score A numeric value that predicts the likelihood that thesupplier will have financial stress. It is typically derived by running data on this organization through an algorithm that has been proven to be predictive based on statistical analysis [C] [M] SOAP REST
Supplier Performance Overall Score A numeric value that predicts the customer satisfaction towards the performance of the organization. [C] [M] SOAP REST
Supplier Stability Index Class Score The Supplier Stability Index Class of the subject organization. The Supplier Stability Index predicts the likelihood an organization will experience significant financial or operational instability over the next 3 months. [C] [M] SOAP REST
Supplier Stability Index Score Commentary Text Text that explains the primary reasons for the Supplier Stability Index Score. [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.

Additional Details

This product provides predictive scores including Supplier Stability Indicator (SSI), a proprietary D&B predictor of near term (90-120 days) financial and operational stability; and the Supplier Evaluation Risk (SER) Rating, which predicts the likelihood that a company will obtain legal relief from creditors or cease operations without paying creditors in full over the next 12 months.

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.

Related Topics

Predictive Bankruptcy & Payment Risk - Standard, D&B Supplier Evaluation Risk Rating.

Technical Specification

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

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