Start Credit Scoring - Italy
From: €0.06 + VAT
Check the reliability of an Italian company with a 3-class risk scale in real-time via API
Start Credit Scoring is the analysis of a series of financial and non-financial variables, useful for determining the probability of default or non-repayment of a loan.
The Start Credit Scoring service allows you to access a "traffic light" with 3 risk classes.
It is identified by the endpoint https://risk.openapi.com/IT-creditscore-start/vatCode_taxCode_or_id}
REQUEST EXAMPLE
GET /IT-creditscore-start/{vatCode_taxCode_or_id}
The request parameter can be one of the following:
- VAT Number
- Tax Code
- Company ID
In the following request, we used the VAT number as the parameter: 12485671007
https://risk.openapi.com/IT-creditscore-start/12485671007RESPONSE EXAMPLE
GET /IT-creditscore-start/{vatCode_taxCode_or_id}
The following values are present in the response:
- Company Name (organization_name)
- Request Date (requested_at)
- Risk Score (risk_score)
- Tax Code (tax)
- VAT Number (vat)
- Request ID (id)
- Company ID (company_id)
- Request Timestamp (time_stamp)
The risk index (risk score) is identified by 3 colors:
- red
- yellow
- green
In some cases, a gray color may be returned, indicating ND cases such as closed companies.
The data in the response is for example purposes only.
{
"data": {
"company_id": "60d1bfc731177b0a092cdfc1",
"organization_name": "XXXXXXXXXXX",
"requested_at": "2024-03-26T10:53:56.299688Z",
"risk_score": "GREEN",
"tax": "12XXXXXXXX7",
"vat": "12XXXXXXXX7",
"time_stamp": 1622452306,
"id": "6602a94464cff7864a032475"
},
"success": true,
"message": "",
"error": null
}
The company identifier (company_id), available in the response, is a useful parameter for making requests to a Company API endpoint such as Start, Advanced, PEC.
Currently, 2 other services dedicated to credit scoring are available:
- Credit Score Advanced to obtain information on rating, risk score, credit limit, and risk severity
- Credit Score Top to also obtain information on the credit limit history, public rating, and a more detailed profile on the economic, income, asset, and financial status of the company
The Start Credit Scoring service is ideal for any company that needs to assess the credit risk of its customers or partners, such as credit institutions, fintech companies, e-commerce businesses (especially those offering payment systems), or companies offering Telco, Leasing, or real estate services.
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The Start Credit Scoring service offers a simplified analysis of the credit risk of Italian companies, using a scoring system based on 3 colors. It is ideal for those who need a quick and clear indication of a company's financial reliability.
The service provides 3 risk classes:
- green (reliable)
- yellow (moderate risk)
- red (high risk).
Yes, the service is available via API, allowing direct integration into your IT systems to obtain real-time information.
The Start Credit Scoring service is designed for various types of users who need a simple and immediate tool to assess credit risk. Among them:
- Small and medium-sized enterprises that need to verify the reliability of clients or suppliers.
- Fintech and startups that require a cost-effective solution for credit scoring.
- E-commerce businesses for quick checks before offering installment or deferred payments.
- Professionals and entrepreneurs looking for a fast and accessible tool to manage credit risks.
- Anyone needing a simple and immediate assessment of the credit risk of Italian companies.
The main differences between the three Openapi products, Credit Score Top, Credit Score Advanced, and Credit Score Start, are related to the complexity and the amount of information provided:
- Credit Score Start: This service offers a simplified risk assessment based on a risk score represented by three colors (green, yellow, and red), indicating the reliability level of a company. It is the most basic option and suitable for a quick, general evaluation.
- Credit Score Advanced: This provides a more detailed evaluation, including the risk score, company rating, and the maximum credit a company can receive. It also includes a risk severity index, which allows comparisons between companies based on their financial stability. It is intended for a more in-depth credit risk analysis.
- Credit Score Top: This is the most comprehensive service, providing detailed information not only about the risk score but also about the credit history, public rating, and a complete economic and financial profile of the company, including data on income, assets, and financial situation. This product is ideal for a thorough analysis of a company's financial and credit stability.
In summary, Credit Score Start is for quick, general evaluations, Credit Score Advanced provides a more detailed analysis, and Credit Score Top offers the highest level of detail for those needing a complete and in-depth analysis.
The service is delivered in real time, meaning that once the request is sent via API, the data is processed and returned immediately.
You can choose subscription plans that offer more convenient rates, with prices starting from €0.06 + VAT per request. Subscriptions have usage limits, which vary depending on the type of plan chosen, ensuring greater flexibility based on your needs. Alternatively, the cost per single request via recharge is €0.19 + VAT.
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