{"id":15,"date":"2018-06-14T10:56:10","date_gmt":"2018-06-14T10:56:10","guid":{"rendered":"http:\/\/creditrisk.valuatum.com\/?page_id=15"},"modified":"2024-04-17T10:02:34","modified_gmt":"2024-04-17T07:02:34","slug":"product","status":"publish","type":"page","link":"https:\/\/creditreports.dk\/en\/product\/","title":{"rendered":"Product"},"content":{"rendered":"\n<div class=\"alignfull wp-block-ugb-header ugb-header ugb-ec38654 ugb-header ugb-header--v3 ugb-header--design-plain ugb-main-block ugb--has-custom-content-width ugb-main-block--inner-wide ugb--has-block-background ugb--has-background-overlay\"><div class=\"ugb-inner-block ugb-inner-block--wide\"><div class=\"ugb-block-content\"><div class=\"ugb-header__item\"><div class=\"ugb-content-wrapper\"><h1 class=\"ugb-header__title\">CREDIT RISK TOOL<\/h1><p class=\"ugb-header__subtitle\">CreditReports.dk Platform comes with several modern features, such as accurate bankruptcy risk estimates and company credit rating, fully editable financial statement models, and extensive credit risk reports. With our product you can easily take your credit risk analysis to the next level.<\/p><\/div><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"alignfull wp-block-ugb-container ugb-container ugb-ec0e481 ugb-container--v2 ugb-container--design-basic ugb-main-block ugb-main-block--inner-full ugb--has-block-background\"><div class=\"ugb-inner-block ugb-inner-block--full\"><div class=\"ugb-block-content\"><div class=\"ugb-container__wrapper ugb-ec0e481-wrapper ugb--shadow-0\"><div class=\"ugb-container__side\"><div class=\"ugb-container__content-wrapper ugb-ec0e481-content-wrapper\">\n<h2 class=\"wp-block-heading\" data-block-type=\"core\"><strong>Features<\/strong><\/h2>\n\n\n\n<div class=\"wp-block-ugb-columns ugb-columns ugb-70c598f ugb-columns--design-plain ugb-columns--columns-2 ugb-main-block\"><div class=\"ugb-inner-block\"><div class=\"ugb-block-content\"><div class=\"ugb-columns__item ugb-70c598f-content-wrapper\">\n<div class=\"wp-block-ugb-column ugb-column ugb-7b89084 ugb-column--design-plain ugb-main-block\"><div class=\"ugb-inner-block\"><div class=\"ugb-block-content\"><div class=\"ugb-column__item ugb-7b89084-column-wrapper\"><div class=\"ugb-column__content-wrapper\">\n<p data-block-type=\"core\">The CreditReports.dk platform provides credit risk assessments of Danish companies. Our credit reports provide you with an estimation of bankruptcy risk and credit rating of companies, along with analysis of financial figures to aid you with credit decisions. The assessment is based on the financial statements of the company, and currently credit risk assessments are available for more than 300 000 Danish businesses. For more information about the method used in our credit assessment, visit the <a href=\"https:\/\/creditreports.dk\/product\/credit-risk-assessment-methods\/\">Credit Risk Assessment Method page<\/a>.<\/p>\n\n\n\n<p data-block-type=\"core\">In addition to the Credit Risk Report, we also provide an online platform which is an easy-to-use interface to view and modify the financial data of companies. You can use the online platform for example to view computer-generated forecasts for companies. It is also possible to modify these forecasts manually to see how different scenarios would impact the credit score of a business.<\/p>\n\n\n\n<p data-block-type=\"core\">We offer a freemium model for the sale of our credit reports. You will get access to the online platform and three free reports each month after you sign up for the system. After this, you can easily upgrade your subscription to obtain more reports every month or alternatively buy individual reports. You can read more about our pricing from&nbsp;<a href=\"https:\/\/www.creditreports.dk\/pricing\/\">the pricing page<\/a>.<\/p>\n\n\n\n<p data-block-type=\"core\">At the moment, CreditReports.dk is in beta phase, during which we will offer full access to the system free of charge. Register now and start making better credit decisions.<\/p>\n<\/div><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-ugb-column ugb-column ugb-fb934de ugb-column--design-plain ugb-main-block\"><div class=\"ugb-inner-block\"><div class=\"ugb-block-content\"><div class=\"ugb-column__item ugb-fb934de-column-wrapper ugb--shadow-0\"><div class=\"ugb-column__content-wrapper\">\n<div class=\"alignfull wp-block-ugb-icon-list ugb-icon-list ugb-6cc1a6d ugb-icon-list--v2 ugb-main-block ugb-main-block--inner-center ugb--has-block-background\"><div class=\"ugb-inner-block ugb-inner-block--center\"><h3 class=\"ugb-block-title\"><strong>What information does the report offer?<\/strong><\/h3><div class=\"ugb-block-content\"><ul><li>Credit Score<\/li><li>Credit Score History<\/li><li>Company Credit Rating<\/li><li>Bankruptcy Risk<\/li><li>Credit Limit Suggestion<\/li><li>Industry Comparison &amp; Average Score<\/li><li>Financial Statement &amp; Key Ratios<\/li><li>Company Overview<\/li><\/ul><\/div><\/div><\/div>\n<\/div><\/div><\/div><\/div><\/div>\n<\/div><\/div><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" data-block-type=\"core\"><strong>Credit Risk Report Features<\/strong><\/h2>\n\n\n\n<div class=\"wp-block-ugb-columns ugb-columns ugb-4343b68 ugb-columns--design-plain ugb-columns--columns-2 ugb-main-block\"><div class=\"ugb-inner-block\"><div class=\"ugb-block-content\"><div class=\"ugb-columns__item ugb-4343b68-content-wrapper\">\n<div class=\"wp-block-ugb-column ugb-column ugb-f404fd8 ugb-column--design-plain ugb-main-block\"><div class=\"ugb-inner-block\"><div class=\"ugb-block-content\"><div class=\"ugb-column__item ugb-f404fd8-column-wrapper\"><div class=\"ugb-column__content-wrapper\">\n<p data-block-type=\"core\">Our Credit Risk Report offers a fast and easy way of viewing a company\u2019s financial situation and credit risk. Our report\u2019s main features include:<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" data-block-type=\"core\">Company Credit Rating &amp; Score<\/h4>\n\n\n\n<p data-block-type=\"core\">The Credit Risk Report offers a Company <a href=\"https:\/\/creditreports.dk\/en\/support\/faq\/#creditrating\" target=\"_blank\" rel=\"noopener\" title=\"\">Credit Rating and Score<\/a> that summarize the company\u2019s credit risk. The credit score is presented in percentage and the credit rating in grade letter form for each year. We provide these for up to five historical years.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" data-block-type=\"core\">Bankruptcy Risk<\/h4>\n\n\n\n<p data-block-type=\"core\">The fore mentioned credit rating and credit scores are based on a company\u2019s <a href=\"https:\/\/creditreports.dk\/en\/support\/faq\/#bankruptcyrisk\" target=\"_blank\" rel=\"noopener\" title=\"\">bankruptcy risk<\/a>, which is also included in the report. The bankruptcy risk is the probability of the company going bankrupt during the next two years.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" data-block-type=\"core\">Credit Limit<\/h4>\n\n\n\n<p data-block-type=\"core\">The report offers a <a href=\"https:\/\/creditreports.dk\/en\/support\/faq\/#creditlimit\" target=\"_blank\" rel=\"noopener\" title=\"\">credit limit<\/a> recommendation which is a suggested maximum limit of credit for a company based on its credit risk profile. The credit limit is calculated based on the company\u2019s gross profit, equity, and liquid assets. It is also scaled using the company\u2019s bankruptcy risk.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" data-block-type=\"core\">Industry Comparisons<\/h4>\n\n\n\n<p data-block-type=\"core\">The report contains charts which compare the key figures of your company with its industry peers. This is an easy way to see how the company has performed relative to similar companies, providing an effective summary of the company with a relevant comparison group.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" data-block-type=\"core\">Financial Statements and Key Figures<\/h4>\n\n\n\n<p data-block-type=\"core\">The report contains income statements and balance sheets for the past five years, so that you can get an in-depth understanding of any company\u2019s situation. Additionally, all the important key figures are calculated automatically and visible on the report.<\/p>\n<\/div><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-ugb-column ugb-column ugb-2d02b26 ugb-column--design-plain ugb-main-block\"><div class=\"ugb-inner-block\"><div class=\"ugb-block-content\"><div class=\"ugb-column__item ugb-2d02b26-column-wrapper ugb--shadow-0\"><div class=\"ugb-column__content-wrapper\"><div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\" data-block-type=\"core\"><a href=\"https:\/\/creditreports.dk\/wp-content\/uploads\/sites\/9\/2020\/07\/new_front_page-min.png\" target=\"_blank\" rel=\"noopener noreferrer\"><img fetchpriority=\"high\" decoding=\"async\" width=\"826\" height=\"1169\" src=\"https:\/\/creditreports.dk\/wp-content\/uploads\/sites\/9\/2020\/07\/new_front_page-min.png\" alt=\"The Credit Risk Report containing the Bankruptycy Risk as well as Credit Rating, Credit Score and Credit Limit.\" class=\"wp-image-1467\" style=\"width:413px;height:585px\" srcset=\"https:\/\/creditreports.dk\/wp-content\/uploads\/sites\/9\/2020\/07\/new_front_page-min.png 826w, https:\/\/creditreports.dk\/wp-content\/uploads\/sites\/9\/2020\/07\/new_front_page-min-212x300.png 212w, https:\/\/creditreports.dk\/wp-content\/uploads\/sites\/9\/2020\/07\/new_front_page-min-724x1024.png 724w, https:\/\/creditreports.dk\/wp-content\/uploads\/sites\/9\/2020\/07\/new_front_page-min-768x1087.png 768w\" sizes=\"(max-width: 826px) 100vw, 826px\" \/><\/a><\/figure><\/div>\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\" data-block-type=\"core\"><a href=\"https:\/\/creditreports.dk\/wp-content\/uploads\/sites\/9\/2020\/07\/new_report_page2-min.png\" target=\"_blank\" rel=\"noopener noreferrer\"><img decoding=\"async\" width=\"826\" height=\"1169\" src=\"https:\/\/creditreports.dk\/wp-content\/uploads\/sites\/9\/2020\/07\/new_report_page2-min.png\" alt=\"The background information and Credit History shown on the report.\" class=\"wp-image-1465\" style=\"width:413px;height:585px\" srcset=\"https:\/\/creditreports.dk\/wp-content\/uploads\/sites\/9\/2020\/07\/new_report_page2-min.png 826w, https:\/\/creditreports.dk\/wp-content\/uploads\/sites\/9\/2020\/07\/new_report_page2-min-212x300.png 212w, https:\/\/creditreports.dk\/wp-content\/uploads\/sites\/9\/2020\/07\/new_report_page2-min-724x1024.png 724w, https:\/\/creditreports.dk\/wp-content\/uploads\/sites\/9\/2020\/07\/new_report_page2-min-768x1087.png 768w\" sizes=\"(max-width: 826px) 100vw, 826px\" \/><\/a><\/figure><\/div><\/div><\/div><\/div><\/div><\/div>\n<\/div><\/div><\/div><\/div>\n\n\n\n<p data-block-type=\"core\">To see what our credit risk report looks like in detail, you can view the sample credit risk report by clicking the button below. You can also sign up by clicking the button below to receive your free reports.<\/p>\n\n\n\n<div class=\"wp-block-ugb-button ugb-button-wrapper ugb-c8efe05 ugb-button--design-fullwidth ugb-main-block ugb--has-custom-content-width\"><div class=\"ugb-inner-block\"><div class=\"ugb-block-content\"><div class=\"ugb-button-container\"><a class=\"ugb-button1 ugb-button ugb-button--size-medium\" href=\"https:\/\/platform.creditreports.dk\/AspAndUserCreation.action?templateAspQueryKey=CreditAnalysis\" target=\"_blank\" rel=\"noopener noreferrer nofollow\" title=\"\"><span class=\"ugb-button--inner\">Sign up<\/span><\/a><\/div><div class=\"ugb-button-container\"><a class=\"ugb-button2 ugb-button ugb-button--size-medium\" href=\"https:\/\/creditreports.dk\/wp-content\/uploads\/sites\/9\/2020\/09\/DemoReport.pdf\" target=\"_blank\" rel=\"noopener noreferrer nofollow\" title=\"\"><span class=\"ugb-button--inner\">Sample report<\/span><\/a><\/div><\/div><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" data-block-type=\"core\"><strong>CreditReports.dk Credit Risk Platform<\/strong><\/h2>\n\n\n\n<div class=\"wp-block-ugb-columns ugb-columns ugb-032f2b3 ugb-columns--design-plain ugb-columns--columns-2 ugb-main-block\"><div class=\"ugb-inner-block\"><div class=\"ugb-block-content\"><div class=\"ugb-columns__item ugb-032f2b3-content-wrapper\">\n<div class=\"wp-block-ugb-column ugb-column ugb-4b76442 ugb-column--design-plain ugb-main-block\"><div class=\"ugb-inner-block\"><div class=\"ugb-block-content\"><div class=\"ugb-column__item ugb-4b76442-column-wrapper\"><div class=\"ugb-column__content-wrapper\">\n<p data-block-type=\"core\">In addition to the credit risk reports, our solution includes an online platform. On the platform you are able to view historical figures and automatically or manually generate future estimates of any company. The bankruptcy risk and credit score of a company are calculated using these estimates, which make the estimate generation tools very powerful. You can also use the online platform to compare key figures of companies in the same industry in scatter plots and graphs. The online platform\u2019s main features include:<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" data-block-type=\"core\">Automatically generated estimates<\/h4>\n\n\n\n<p data-block-type=\"core\">Our system automatically generates estimates for a company\u2019s financials using the historical data available. This is a good starting point to analyze a company\u2019s future performance and credit risk. You can read more about automatic estimate generation on the\u00a0<a href=\"https:\/\/creditreports.dk\/en\/support\/estimate-generation\/\" target=\"_blank\" rel=\"noopener\" title=\"\">Estimate Generation<\/a> page of the Credit Risk Manual.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" data-block-type=\"core\">Easy-to-use tools to change estimates<\/h4>\n\n\n\n<p data-block-type=\"core\">The platform provides easy and simple tools to manually edit these automatic estimates. This is a powerful feature, which can be used for example for to easily analyze different possible future scenarios of a company and to see what the company\u2019s credit risk is like in each scenario. Another important use case is sensitivity analysis: you can easily modify key variables of your choice and see how the company\u2019s credit risk reacts to these changes. You can read more about changing estimates from the Change Estimates section on the <a href=\"https:\/\/creditreports.dk\/en\/support\/credit-risk-manual-company-views\/#change_estimates\" target=\"_blank\" rel=\"noopener\" title=\"\">Company Views<\/a> page of the Credit Risk Manual.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" data-block-type=\"core\">Comparisons<\/h4>\n\n\n\n<p data-block-type=\"core\">You can use the online platform to compare key figures of companies. These figures can be viewed as numbers or as different graphs, such as scatter plots and line graphs. You can read more about comparisons on the <a href=\"https:\/\/creditreports.dk\/en\/support\/comparisons\/\" target=\"_blank\" rel=\"noopener\" title=\"\">Comparisons<\/a> page of the Credit Risk Manual.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" data-block-type=\"core\">Report Integration<\/h4>\n\n\n\n<p data-block-type=\"core\">The credit risk reports are downloaded from our online platform, and any changes you make to the figures on the platform will be carried over to the report. You can read more about generating reports from the Generate reports section on the <a href=\"https:\/\/creditreports.dk\/en\/support\/credit-risk-manual-company-views\/#generate_reports\" target=\"_blank\" rel=\"noopener\" title=\"\">Company Views<\/a> page of our Credit Risk Manual.<\/p>\n<\/div><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-ugb-column ugb-column ugb-d9b5b6d ugb-column--design-plain ugb-main-block\"><div class=\"ugb-inner-block\"><div class=\"ugb-block-content\"><div class=\"ugb-column__item ugb-d9b5b6d-column-wrapper ugb--shadow-0\"><div class=\"ugb-column__content-wrapper\">\n<div class=\"alignfull wp-block-ugb-icon-list ugb-icon-list ugb-138f2dc ugb-icon-list--v2 ugb-main-block ugb-main-block--inner-center ugb--has-block-background\"><div class=\"ugb-inner-block ugb-inner-block--center\"><h3 class=\"ugb-block-title\"><strong>Key Features<\/strong><\/h3><div class=\"ugb-block-content\"><ul><li>Automatically generated estimates and credit risk reports<\/li><li>Easy-to-use tools for analyzing and modifying your own scenarios<\/li><li>Wide range of credit risk assessment methods<\/li><\/ul><\/div><\/div><\/div>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\" data-block-type=\"core\"><a href=\"https:\/\/creditreports.dk\/wp-content\/uploads\/sites\/9\/2021\/07\/cv_overview_changeestimates_comparison_2-min_update2.png\" target=\"_blank\" rel=\"noopener noreferrer\"><img decoding=\"async\" width=\"1024\" height=\"755\" src=\"https:\/\/creditreports.dk\/wp-content\/uploads\/sites\/9\/2021\/07\/cv_overview_changeestimates_comparison_2-min_update2-1024x755.png\" alt=\"\" class=\"wp-image-1991\" srcset=\"https:\/\/creditreports.dk\/wp-content\/uploads\/sites\/9\/2021\/07\/cv_overview_changeestimates_comparison_2-min_update2-1024x755.png 1024w, https:\/\/creditreports.dk\/wp-content\/uploads\/sites\/9\/2021\/07\/cv_overview_changeestimates_comparison_2-min_update2-300x221.png 300w, https:\/\/creditreports.dk\/wp-content\/uploads\/sites\/9\/2021\/07\/cv_overview_changeestimates_comparison_2-min_update2-768x567.png 768w, https:\/\/creditreports.dk\/wp-content\/uploads\/sites\/9\/2021\/07\/cv_overview_changeestimates_comparison_2-min_update2.png 1361w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><figcaption class=\"wp-element-caption\">Samples of the default page, change estimates and comparisons features<\/figcaption><\/figure><\/div><\/div><\/div><\/div><\/div><\/div>\n<\/div><\/div><\/div><\/div>\n\n\n\n<p data-block-type=\"core\">To explore our online platform, you can view the tutorial video below. Alternatively, you can sign up for free by clicking the Create Account button on the top right to get access to our online platform.<\/p>\n\n\n\n<p class=\"my-justify-class\" data-block-type=\"core\">At the moment, information of payment behavior is not provided in our product. The CreditReports.dk Risk Report focuses more on medium-term (1-2 years) creditworthiness and therefore can not take into account if there has been something surprising in the company over the recent months. If the company has begun to pay the invoices with a very long delay at short notice, for example, it does not affect the current risk assessment.<\/p>\n\n\n\n<p class=\"my-justify-class\" data-block-type=\"core\">Currently we do not support the IFRS accounting standard. This means that companies that report their financials using this standard are not available on the Platform: they cannot be viewed in the online platform and credit risk reports cannot be created for these companies.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" data-block-type=\"core\"><strong>Explore how this credit risk tool works<\/strong><\/h2>\n\n\n\n<p class=\"has-small-font-size\" data-block-type=\"core\">Video is provided by Valuatum, the software company behind this platform.<\/p>\n\n\n\n<div style=\"text-align: center;\"><iframe src=\"https:\/\/www.youtube.com\/embed\/RCqo-1ph-Gs\" allowfullscreen=\"allowfullscreen\" width=\"560\" height=\"315\" frameborder=\"0\"><\/iframe><\/div>\n<\/div><\/div><\/div><\/div><\/div><\/div>\n<style class=\"advgb-styles-renderer\">.ugb-ec38654 .ugb-header__title{font-family:\"Poppins\",Sans-serif !important;font-size:56px !important;font-weight:500 !important;letter-spacing:0.5px !important;text-align:left !important}.ugb-ec38654 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With our product you can easily take your credit risk analysis to the next level. Features The CreditReports.dk platform provides credit risk assessments of Danish companies. Our credit reports provide you with an estimation of bankruptcy risk and credit rating of companies, along with analysis of financial figures to aid you with credit decisions. 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