D&B Viability Rating

The D&B Viability Rating uses D&B’s proprietary analytics to compare the most predictive business risk indicators and deliver a highly reliable assessment of the probability that a company will go out of business, become dormant/inactive, or file for bankruptcy/insolvency within the next 12 months.

Requirements & Options

When requesting this D&B Direct product, a valid D-U-N-S Number for a company, a country code of "US" or "CA" 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 D&B Viability Rating is VIAB_RAT. 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*
Portfolio Comparison Class Score A numeric value that denotes the probability that an organization will no longer be a viable business in the next 12 months in comparison to all organizations within the same geography. The score ranges in values from 0 - 9 where the range 1 to 9 reflects the probability that the organization will no longer be a viable business. 1 reflects the lowest probability and 9 reflects the highest probability and the score 0 denotes that the business is either out of business or unable to confirm. [M] SOAP REST
Portfolio Comparison Class Score Incidence Percentage Percentage of all businesses in D&B's database with the same Portfolio Comparison Class Score [M] SOAP REST
Portfolio Comparison Class Score Risk Level Description Text that describes the Portfolio Comparison Score that was assigned to this organization. [M+] SOAP REST
Portfolio Comparison Score Bad Rate The percentage of organizations with the same Portfolio Comparison Class score that can become inoperable. [M] SOAP REST
Portfolio Comparison Score Model Segment Description Text that describes the Viability Rating classification of the organization determined by the amount and type of information available about that organization. [M+] SOAP REST
Viability Class Score Incidence Percentage Percentage of all businesses in D&B's database with the same Viability Class Score. [M] SOAP REST
Viability Rating The rating which assesses the probability that an organization will no longer be a viable business within the next 12 months. [M] SOAP REST
Viability Rating Class Score The Viability Score accesses the probability that a company will no longer be in business within the next 12 months, compared to all U.S. businesses within the D&B database. (presented as 0 to 9). [M] SOAP REST
Viability Rating Data Depth Detail Assessment Text Text that describes the outcome of the assessment on the level of predictive data available or the Viability Rating risk category to which the organization belongs [M] SOAP REST
Viability Rating Data Depth Indicator The Data Depth Indicator (presented as A to M) represents the level of predictive data available for a company. [M] SOAP REST
Viability Rating Financial Data Available Indicator When 'true' indicates that D&B has detailed financial information for this business. When 'false' indicates that D&B does not have detailed financial information for this business. [M] SOAP REST
Viability Rating Organization Size Assessment Text Text that describes the outcome of the assessment on the Organization Size of the organization [M] SOAP REST
Viability Rating Organization Size Category Text Text denoting the broader classification of this organizations company size based on the comparison of other organizations with in D&Bs database [M] SOAP REST
Viability Rating Portfolio Comparison Score Segment Bad Rate The percentage of organizations within this Viability Rating Score that can become inoperable [M] SOAP REST
Viability Rating Trade Data Available Assessment Text Text that describes the outcome of the assessment on the level of Trade data available. [M] SOAP REST
Viability Rating Trade Data Available Indicator When 'true' indicates that D&B has trade information for this business. When 'false' indicates that D&B does not have sufficient trade information on this organization [M] SOAP REST
Viability Score Bad Rate The percentage of organizations with the same class score that can become inoperable. For example for all organizations with a Viability class score of 1 it is expected that .2% of these organizations will no longer be a viable business in the next 12 months [M] SOAP REST
Viability Score Overall Bad Rate Average Inoperable rate for all scored businesses within the same country. [M] SOAP REST
Viability Score Risk Level Description A description of the score given to this business which predicts the likelihood that the organization will no longer be a viable business in the next 12 months. [M+] SOAP REST
Viability Score Years in Business Assessment Text Text that describes the outcome of assessment on the age of the business [M] SOAP REST
Viability Score Years in Business Category Text denoting the broader classification of this organizations assigned by D&B based on the age of this organization [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.

Viability Rating Explanation

The specific components of the D&B Viability Rating are:

Viability Score is the first of four components within the D&B Viability Rating. It is a high-level risk indicator that assesses the probability that a company will no longer be a viable business within the next 12 months, compared to businesses in the same country within the D&B database. A business is no longer viable when it goes out of business, becomes dormant/ inactive or files for bankruptcy/insolvency.

The ranking ranges from 1 to 9 where 9 reflects the highest probability of becoming no longer viable and 1 reflects the lowest probability.

Note: The Viability Score is best used when ranking all businesses within your portfolio especially for identifying the most valuable prospects for Sales and Marketing.

Performance Ranking Risk Level US Canada

Percent of Total

Bad Rate

Percent of Total

Bad Rate

9 High Risk 1% 65% 2% 28%
8 High Risk 8% 42% 1% 23%
7 High to Moderate Risk 14% 27% 5% 15%
6 Moderate Risk 30% 13% 10% 10%
5 Low Risk 14% 7% 10% 6%
4 Low Risk 14% 5% 19% 3%
3 Low Risk 15% 3% 26% 1%
2 Low Risk 4% 2% 13% 0.6%
1 Low Risk 0.3% 0.2% 14% 0.3%
Total 100% 14% 100% 4%

Portfolio Comparison is the second of four components within the D&B Viability Rating. Portfolio Comparison is a more detailed risk indicator that assesses the viability of a company compared to similar businesses within the same model segment which are determined by the amount and type of data available. A business is no longer viable when it goes out of business, becomes dormant/ inactive or files for bankruptcy/insolvency.

The Portfolio Comparison ranking ranges from 1 to 9 where 9 reflects the highest probability of becoming no longer viable and 1 reflects the lowest probability.

Every business falls into 1 of 4 profile segments. The segments will vary by country as follows:

United States Canada
  • Available Financial Data
  • Established Trade Payments
  • Limited Trade Payments
  • Firmographics and Business Activity
  • Large Businesses with Established Trade Payments
  • Large Businesses with Firmographics and Business Activity
  • Small to Medium Business with Established Trade Payments
  • Small to Medium Business with Firmographics and Business Activity

Note: The Portfolio Comparison is best used when analyzing the individual risk level of a company for Credit Risk Management purposes.

*Large businesses have either 50+ Employees or $500K+ Sales. Small to Medium businesses have less than 50 employees and less than $500K in Sales.

Model Segments for the United States

NOTE: The tables in this section were last revised in the documentation on October 3, 2014, and are subject to change.

FN (Available Financial Data)

Performance Percent of Bad Risk
Ranking Total Rate Level
9 2.0% 7.0% High Risk
8 4.0% 2.0% High Risk
7 10.0% 1.0% High to Moderate Risk
6 8.0% 0.7% Moderate Risk
5 11.0% 0.5% Moderate Risk
4 13.0% 0.3% Low Risk
3 15.0% 0.2% Low Risk
2 14.0% 0.2% Low Risk
1 23.0% 0.1% Low Risk
Total 100.0% 0.6%  

TK (Established Trade Payments)

Performance Percent of Bad Risk
Ranking Total Rate Level
9 3.0% 23.0% High Risk
8 13.0% 11.0% High Risk
7 14.0% 7.0% High to Moderate Risk
6 9.0% 5.0% Moderate Risk
5 11.0% 5.0% Moderate Risk
4 11.0% 4.0% Low Risk
3 11.0% 3.0% Low Risk
2 16.0% 3.0% Low Risk
1 11.0% 2.0% Low Risk
Total 100% 5.0%  

TN (Limited Trade Payments)

Performance Percent of Bad Risk
Ranking Total Rate Level
9 1.0% 45.0% High Risk
8 15.0% 17.0% High Risk
7 2.0% 14.0% High to Moderate Risk
6 25.0% 13.0% Moderate Risk
5 15.0% 10.0% Moderate Risk
4 11.0% 9.0% Low Risk
3 11.0% 7.0% Low Risk
2 12.0% 6.0% Low Risk
1 7.0% 4.0% Low Risk
Total 100% 11.0%  

NT (Firmographics and Business Activity)

Performance Percent of Bad Risk
Ranking Total Rate Level
9 3.0% 58.0% High Risk
8 12.0% 36.0% High Risk
7 9.0% 23.0% High to Moderate Risk
6 12.0% 18.0% Moderate Risk
5 13.0% 13.0% Moderate Risk
4 17.0% 10.0% Low Risk
3 11.0% 7.0% Low Risk
2 14.0% 5.0% Low Risk
1 8.0% 3.0% Low Risk
Total 100% 16.0%  

Model Segments for Canada

NOTE: The tables in this section were last revised in the documentation on October 3, 2014, and are subject to change.

LT (Large Business w/ Established Trade Payments)

Performance Percent of Bad Risk
Ranking Total Rate Level
9 1.0% 9.0% High Risk
8 2.0% 4.0% High Risk
7 3.0% 4.0% High to Moderate Risk
6 8.0% 2.0% Moderate Risk
5 21.0% 1.0% Low Risk
4 18.0% 0.7% Low Risk
3 17.0% 0.4% Low Risk
2 15.0% 0.3% Low Risk
1 15.0% 0.2% Low Risk
Total 100.0% 0.9%  

LN (Large Business w/ Firmographics and Business Activity)

Performance Percent of Bad Risk
Ranking Total Rate Level
9 0.7% 9.9% High Risk
8 0.4% 7.4% High Risk
7 2.0% 5.8% High to Moderate Risk
6 6.0% 4.2% Moderate Risk
5 9.0% 3.1% Moderate Risk
4 12.0% 2.2% Low Risk
3 26.0% 1.5% Low Risk
2 27.0% 1.0% Low Risk
1 16.0% 0.6% Low Risk
Total 100% 2.0%  

ST (Small to Medium Business w/ Established Trade Payments)

Performance Percent of Bad Risk
Ranking Total Rate Level
9 2.0% 11.0% High Risk
8 2.0% 7.0% High Risk
7 2.0% 5.0% High to Moderate Risk
6 8.0% 4.0% Moderate Risk
5 18.0% 2.0% Moderate Risk
4 24.0% 0.9% Low Risk
3 17.0% 0.6% Low Risk
2 15.0% 0.4% Low Risk
1 12.0% 0.2% Low Risk
Total 100% 2.0%  

SN (Small to Medium Business w/ Firmographics and Business Activity)

Performance Percent of Bad Risk
Ranking Total Rate Level
9 3.0% 28.0% High Risk
8 2.0% 23.0% High Risk
7 6.0% 15.0% High to Moderate Risk
6 12.0% 10.0% Moderate Risk
5 11.0% 6.0% Low Risk
4 16.0% 3.0% Low Risk
3 29.0% 1.0% Low Risk
2 9.0% 0.7% Low Risk
1 12.0% 0.3% Low Risk
Total 100% 5.0%  

Data Depth Indicator is the third of four components within the D&B Viability Rating. The Depth of Data Indicator presents the level of data that is used to generate the Viability Score and Portfolio Comparison. Data depth assists in the assessment of whether a company will no longer be viable and may include the following (data depth attributes will vary by country):

The level of data is represented by a letter on a scale of A – G where A reflects the greatest level of predictive data to make a highly reliable assessment of company viability, and G reflects a minimal level of data which can be considered descriptive. The more comprehensive the data, the more precise the overall D&B Viability Rating becomes. If a company has been placed in the Special Category, a letter ranging from H-N will be assigned to identify the specific reason. Reference the chart below for details.

Rating

Definition for US Businesses

Definition for Canadian Businesses

A

Rich Firmographics, Extensive Commercial Trading Activity and Comprehensive Financial Attributes

Rich Firmographics and Extensive Commercial Trading Activity

B

Rich Firmographics, Extensive Commercial Trading Activity and Basic Financial Attributes

Rich Firmographics and Partial Commercial Trading Activity

C

Rich Firmographics, Extensive Commercial Trading Activity and No Financial Attributes

Basic Firmographics and Partial Commercial Trading Activity

D

Rich Firmographics, Partial Commercial Trading Activity and No Financial Attributes

Rich Firmographic and Sparse Commercial Trading Activity

E

Rich Firmographics, Sparse Commercial Trading Activity and No Financial Attributes

Basic Firmographics and Sparse Commercial Trading Activity

F

Basic Firmographics, Trace Commercial Trading Activity and No Financial Attributes

Rich Firmographics Only

G

Basic Firmographics and No Financial Attributes

Basic Firmographics Only

If a company has been placed in the Special Category, a letter ranging from H – N will be assigned to identify the specific reason.

Rating

Special Category Description

H

Out of Business - Business is considered inactive due to Bankruptcy, Insolvency, Merger/Acquisition or absence of confirmed location.

I

Unable to Confirm Designation - D&B is unable to confirm active operations at a specific location due to the business showing limited to no business activity and multiple signs of inactivity (e.g. disconnected phone, vacant address, no longer in a telephone directory etc.)

J

Bankruptcy - Business has filed for Chapter 11 bankruptcy and the plan of reorganization is not yet confirmed. (Not applicable for Canadian businesses)

K

High Risk (Severe Risk) - Business displays characteristics of misrepresentation.

L

Self Reported Duns Support Record - Business’s request for a D-U-N-S Number requires an investigation or confirmation of information from D&B (Not applicable for Canadian businesses)

M

Business Deterioration (Severe Risk) - Business displays characteristics of financial distress, including signs of current or imminent business failure or operating difficulty (Not applicable for Canadian businesses).

N

Insolvency - Business or Management has insufficient assets to meet

debts and obligations. See Public Records for further details. (Not applicable for US businesses)

Company Profile is the fourth of four components within the D&B Viability Rating. The Company Profile describes a company based on a combination of 4 categories:

A company is characterized by a letter which ranges from A – X; with each letter representing a combination of the 4 categories that make up the company’s profile. For example, A describes a company with a comprehensive level data, which has been in business 5+ years, with 50+ employees or $500K+ in Sales, while X reflects a company with a minimal data, in business <5 years, with <10 employees and <$10K in Sales. Y and Z reflect a Branch and Subsidiary, respectively.

Company Profile Ranking

Financial Data

Trade Payments

Company Size

Years in Business

A Available

Refer to Data Depth

Large: Employees: 50+ or Sales: $500K+

Established: 5+

B Available

Refer to Data Depth

Large: Employees: 50+ or Sales: $500K+

Young: <5

C Available

Refer to Data Depth

Medium: Employees: 10-49 or Sales: $100K-$499K

Established: 5+

D Available

Refer to Data Depth

Medium: Employees: 10-49 or Sales: $100K-$499K

Young: <5

E Available

Refer to Data Depth

Small: Employees: <10 and Sales: <$10K or Missing

Established: 5+

F Available

Refer to Data Depth

Small: Employees: <10 and Sales: <$10K or Missing

Young: <5

G

Not Available

Available (3+Trade)

Large: Employees: 50+ or Sales: $500K+

Established: 5+

H

Not Available

Available (3+Trade)

Large: Employees: 50+ or Sales: $500K+

Young: <5

I

Not Available

Available (3+Trade)

Medium: Employees: 10-49 or Sales: $100K-$499K

Established: 5+

J

Not Available

Available (3+Trade)

Medium: Employees: 10-49 or Sales: $100K-$499K

Young: <5

K

Not Available

Available (3+Trade)

Small: Employees: <10 and Sales: <$10K or Missing

Established: 5+

L

Not Available

Available (3+Trade)

Small: Employees: <10 and Sales: <$10K or Missing

Young: <5

M

Not Available

Available (1-2 Trade)

Large: Employees: 50+ or Sales: $500K+

Established: 5+

N

Not Available

Available (1-2 Trade)

Large: Employees: 50+ or Sales: $500K+

Young: <5

O

Not Available

Available (1-2 Trade)

Medium: Employees: 10-49 or Sales: $100K-$499K

Established: 5+

P

Not Available

Available (1-2 Trade)

Medium: Employees: 10-49 or Sales: $100K-$499K

Young: <5

Q

Not Available

Available (1-2 Trade)

Small: Employees: <10 and Sales: <$10K or Missing

Established: 5+

R

Not Available

Available (1-2 Trade)

Small: Employees: <10 and Sales: <$10K or Missing

Young: <5

S

Not Available

Not Available

Large: Employees: 50+ or Sales: $500K+

Established: 5+

T

Not Available

Not Available

Large: Employees: 50+ or Sales: $500K+

Young: <5

U

Not Available

Not Available

Medium: Employees: 10-49 or Sales: $100K-$499K

Established: 5+

V

Not Available

Not Available

Medium: Employees: 10-49 or Sales: $100K-$499K

Young: <5

W

Not Available

Not Available

Small: Employees: <10 and Sales: <$10K or Missing

Established: 5+

X

Not Available

Not Available

Small: Employees: <10 and Sales: <$10K or Missing

Young: <5

Y Branch
Z Subsidiary

This product is only available for organizations domiciled in the United States and Canada. 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.

Technical Specification

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

Back to Top