Top Credit Scoring - Italy
From: €0.42 + VAT
Verify the reliability of a company in real-time by accessing over 200 pieces of information such as credit history, rating, risk score, and economic, income, asset, and financial status.
The Top Credit Scoring service allows you to access over 200 pieces of information to verify in real-time the creditworthiness and financial, economic, and asset solidity of a specific Italian company.
The Top Credit Scoring includes all the information already present in the Start and TOP services (except risk severity) and expands the information with profiles and analysis of the indices of the individual elements that contributed to the creation of the credit score and the commercial credit limit with related assessment.
REQUEST EXAMPLE
GET/IT-creditscore-top/{vatCode_taxCode_or_id}To make a request for the Credit Score TOP service, one of the following parameters is required:
- VAT Number
- Tax Code
- Company ID
In the following request, we used the VAT number 12485671007 as the parameter
https://risk.openapi.com/IT-creditscore-top/12485671007RESPONSE EXAMPLE
GET/IT-creditscore-top/{vatCode_taxCode_or_id}The response includes over 200 pieces of information, with historical data and trends from the last 12 months:
- Company Name (organization_name)
- Request Date (requested_at)
- Risk Score (risk_score)
- Risk Score Description (risk_score_description)
- Maximum Credit Amount Available from a Financial Institution (operational_credit_limit)
- Risk Severity (risk severity)
- Tax Code (tax)
- VAT Number (vat)
- Historical Data on Credit Limits and Risk Scores
- Date of Last Financial Statement
- Request Identifier (id)
- Company Identifier (company_id)
- Request Timestamp (time_stamp)
For this service, as with Credit Score Advanced, the risk index (risk score) is identified by 7 colors: dark red, bright red, red, yellow, green, light green, dark green.
In addition to these data, as mentioned earlier, the following are available:
- The profile of the company's status and development, which synthetically identifies the strengths and weaknesses at an economic, revenue, asset, and financial level, and trends
- The detailed analysis of the individual indices that define the assessments present in the profile
The profile includes a rating (from 1 to 5), description, and trend on:
- Asset Balance
- Financial Balance
- Economic Balance
- Debt Sustainability
- Development (trend)
In the analysis of indices, more detailed information is available on the individual items that make up the evaluations present in the profiles. Specifically, information such as the value of the individual item, quintile in the sector and population (indicated with the letter Q and a number from 1 to 5, where 5 is very positive and 1 is negative), and difference from the previous year is provided.
For Asset Balance, the following are analyzed:
- Capitalization Index
- Adjusted Net Assets / Invested Capital
- Global Coverage of Fixed Assets
- Self-Coverage of Fixed Assets
For Financial Balance, the following are analyzed:
- Current Liquidity
- Dry Liquidity
For Economic Balance, the following are analyzed:
- Return on Invested Capital (ROI)
- Operating Return on Sales (ROS)
- Net Return on Sales
- Self-Financing Index
For Debt Sustainability, the following are analyzed:
- Self-Financing / Total Debt
- Net Financial Charges / Gross Operating Result
- Total Debt/EBITDA
For Development, the following are analyzed:
- Variation % in Revenue
- Variation % in Operating Income
- Variation % in Net Income
- Variation RN / Revenue
The data in the response are for example purposes only:
{
"data": {
"company_id": "60d1bfc731177b0a092cdfc1",
"operational_credit_limit": 82000,
"rating": "B1",
"risk_score": "GREEN",
"risk_score_description": "below average",
"history": {
"note": {
"description": "During this period, no significant changes in the evaluation have been observed: the company maintains a largely unchanged assessment.",
"events": []
},
"operational_credit_limit": [
{
"month": "2023-06",
"value": 82000
},
{
"month": "2023-07",
"value": 82000
},
{
"month": "2023-08",
"value": 82000
},
{
"month": "2023-09",
"value": 82000
},
{
"month": "2023-10",
"value": 82000
},
{
"month": "2023-11",
"value": 82000
},
{
"month": "2023-12",
"value": 82000
},
{
"month": "2024-01",
"value": 82000
},
{
"month": "2024-02",
"value": 82000
},
{
"month": "2024-03",
"value": 82000
},
{
"month": "2024-04",
"value": 82000
},
{
"month": "2024-05",
"value": 82000
}
],
"public_rating": [
{
"balance_year": "2022",
"month": "2023-06",
"rating": "B1"
},
{
"balance_year": "2022",
"month": "2023-07",
"rating": "B1"
},
{
"balance_year": "2022",
"month": "2023-08",
"rating": "B1"
},
{
"balance_year": "2022",
"month": "2023-09",
"rating": "B1"
},
{
"balance_year": "2022",
"month": "2023-10",
"rating": "B1"
},
{
"balance_year": "2022",
"month": "2023-11",
"rating": "B1"
},
{
"balance_year": "2022",
"month": "2023-12",
"rating": "B1"
},
{
"balance_year": "2022",
"month": "2024-01",
"rating": "B1"
},
{
"balance_year": "2022",
"month": "2024-02",
"rating": "B1"
},
{
"balance_year": "2022",
"month": "2024-03",
"rating": "B1"
},
{
"balance_year": "2022",
"month": "2024-04",
"rating": "B1"
},
{
"balance_year": "2022",
"month": "2024-05",
"rating": "B1"
}
],
"risk_score": [
{
"description": "below average",
"month": "2023-06",
"score": "GREEN"
},
{
"description": "below average",
"month": "2023-07",
"score": "GREEN"
},
{
"description": "below average",
"month": "2023-08",
"score": "GREEN"
},
{
"description": "below average",
"month": "2023-09",
"score": "GREEN"
},
{
"description": "below average",
"month": "2023-10",
"score": "GREEN"
},
{
"description": "below average",
"month": "2023-11",
"score": "GREEN"
},
{
"description": "below average",
"month": "2023-12",
"score": "GREEN"
},
{
"description": "below average",
"month": "2024-01",
"score": "GREEN"
},
{
"description": "below average",
"month": "2024-02",
"score": "GREEN"
},
{
"description": "below average",
"month": "2024-03",
"score": "GREEN"
},
{
"description": "below average",
"month": "2024-04",
"score": "GREEN"
},
{
"description": "below average",
"month": "2024-05",
"score": "GREEN"
}
]
},
"last_balance_year": "2022",
"note": null,
"organization_name": "OPENAPI S.P.A.",
"positions": {
"main_industry": "Information Technology: software, consulting and services",
"positions": [
{
"industry_index": "A5007",
"industry_index_profile": "Equity Balance",
"industry_position": "Q3",
"industry_position_description": "Capitalization Index",
"industry_position_last_year_trend": -4.251,
"industry_position_total": "Q3",
"industry_position_type": "IND",
"value": 33.036
},
{
"industry_index": "A5049",
"industry_index_profile": "Equity Balance",
"industry_position": "Q3",
"industry_position_description": "Tangible Net Adjusted Assets / Invested Capital",
"industry_position_last_year_trend": 14.612,
"industry_position_total": "Q3",
"industry_position_type": "IND",
"value": 16.812
},
{
"industry_index": "A5026",
"industry_index_profile": "Equity Balance",
"industry_position": "Q2",
"industry_position_description": "Global Fixed Assets Coverage",
"industry_position_last_year_trend": -0.518,
"industry_position_total": "Q3",
"industry_position_type": "IND",
"value": 1.817
},
{
"industry_index": "A5006",
"industry_index_profile": "Equity Balance",
"industry_position": "Q3",
"industry_position_description": "Fixed Assets Self-Coverage",
"industry_position_last_year_trend": -0.383,
"industry_position_total": "Q3",
"industry_position_type": "IND",
"value": 1.54
},
{
"industry_index": "A5004",
"industry_index_profile": "Financial Balance",
"industry_position": "Q2",
"industry_position_description": "Current Liquidity",
"industry_position_last_year_trend": -0.186,
"industry_position_total": "Q2",
"industry_position_type": "IND",
"value": 1.287
},
{
"industry_index": "A5005",
"industry_index_profile": "Financial Balance",
"industry_position": "Q2",
"industry_position_description": "Quick Liquidity",
"industry_position_last_year_trend": -0.186,
"industry_position_total": "Q3",
"industry_position_type": "IND",
"value": 1.287
},
{
"industry_index": "A5012",
"industry_index_profile": "Economic Balance",
"industry_position": "Q4",
"industry_position_description": "Return on Invested Capital (ROI)",
"industry_position_last_year_trend": -27.357,
"industry_position_total": "Q5",
"industry_position_type": "IND",
"value": 17.82
},
{
"industry_index": "A5011",
"industry_index_profile": "Economic Balance",
"industry_position": "Q3",
"industry_position_description": "Return on Sales (ROS)",
"industry_position_last_year_trend": -8.894,
"industry_position_total": "Q3",
"industry_position_type": "IND",
"value": 6.495
},
{
"industry_index": "A5009",
"industry_index_profile": "Economic Balance",
"industry_position": "Q3",
"industry_position_description": "Net Return on Sales",
"industry_position_last_year_trend": -6.488,
"industry_position_total": "Q3",
"industry_position_type": "IND",
"value": 4.092
},
{
"industry_index": "A5020",
"industry_index_profile": "Economic Balance",
"industry_position": "Q3",
"industry_position_description": "Self-Financing Index",
"industry_position_last_year_trend": -6.176,
"industry_position_total": "Q3",
"industry_position_type": "IND",
"value": 5.128
},
{
"industry_index": "A5030",
"industry_index_profile": "Debt Sustainability",
"industry_position": "Q4",
"industry_position_description": "Self-Financing / Total Debt",
"industry_position_last_year_trend": -36.378,
"industry_position_total": "Q4",
"industry_position_type": "IND",
"value": 23.81
},
{
"industry_index": "A5014",
"industry_index_profile": "Debt Sustainability",
"industry_position": "Q3",
"industry_position_description": "Net Financial Charges / Gross Operating Profit",
"industry_position_last_year_trend": 0.605,
"industry_position_total": "Q3",
"industry_position_type": "IND",
"value": 0.798
},
{
"industry_index": "A5042",
"industry_index_profile": "Debt Sustainability",
"industry_position": "Q3",
"industry_position_description": "Total Debt/EBITDA",
"industry_position_last_year_trend": 1.694,
"industry_position_total": "Q3",
"industry_position_type": "IND",
"value": 2.86
},
{
"industry_index": "A5034",
"industry_index_profile": "Development - Trend",
"industry_position": "Q2",
"industry_position_description": "% Revenue Change",
"industry_position_last_year_trend": -12.758,
"industry_position_total": "Q2",
"industry_position_type": "IND",
"value": -8.281
},
{
"industry_index": "A5051",
"industry_index_profile": "Development - Trend",
"industry_position": "Q1",
"industry_position_description": "% Gross Operating Profit (GOP) Change",
"industry_position_last_year_trend": -165.272,
"industry_position_total": "Q1",
"industry_position_type": "IND",
"value": -54.384
},
{
"industry_index": "A5052",
"industry_index_profile": "Development - Trend",
"industry_position": "Q2",
"industry_position_description": "% Net Income Change",
"industry_position_last_year_trend": -240.247,
"industry_position_total": "Q2",
"industry_position_type": "IND",
"value": -64.529
},
{
"industry_index": "A5053",
"industry_index_profile": "Development - Trend",
"industry_position": "Q2",
"industry_position_description": "% GOP/Revenue Change",
"industry_position_last_year_trend": -16.986,
"industry_position_total": "Q2",
"industry_position_type": "IND",
"value": -8.477
},
{
"industry_index": "A5054",
"industry_index_profile": "Development - Trend",
"industry_position": "Q2",
"industry_position_description": "% NI/Revenue Change",
"industry_position_last_year_trend": -13.059,
"industry_position_total": "Q2",
"industry_position_type": "IND",
"value": -6.488
}
],
"year": "2022"
},
"profiles": {
"main_industry": "Information Technology: software, consulting and services",
"positions_count": 28483,
"profiles": [
{
"name": "Equity Balance",
"note": null,
"score": 4,
"score_description": "positive",
"trend": "slightly improving"
},
{
"name": "Financial Balance",
"note": null,
"score": 2,
"score_description": "critical aspects",
"trend": "stable"
},
{
"name": "Economic Balance",
"note": null,
"score": 4,
"score_description": "positive",
"trend": "stable"
},
{
"name": "Debt Sustainability",
"note": null,
"score": 3,
"score_description": "average",
"trend": "worsening"
},
{
"name": "Development - Trend",
"note": null,
"score": 1,
"score_description": "negative",
"trend": "significantly worsening"
}
],
"year": "2022"
},
"time_stamp": 1716477918,
"id": "664f5fde0d2e86930d04b133"
},
"success": true,
"message": "",
"error": null
}Some information in the Top Credit Scoring, such as positions and profiles, may not be available for sole proprietorships.
In addition to TOP, there are 2 other services dedicated to credit scoring:
- Credit Score Start for obtaining only the simplified risk score (3 colors)
- Credit Score Advanced for obtaining information on rating, risk score, credit limit, and risk severity
The Top Credit Scoring service is ideal for any company that needs to assess the credit risk of its customers or partners, such as credit institutions, fintechs, e-commerce companies (especially those offering payment systems), or companies offering Telco, Leasing, or real estate services.
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The Top Credit Scoring service provides a detailed analysis of a company’s creditworthiness, including over 200 pieces of information about ratings, risk, credit limits, and complete financial profiles.
The response includes over 200 pieces of information, with historical data and trends from the last 12 months:
- Company name
- Date of request
- Risk score
- Description of risk score
- Maximum credit amount receivable from a financial institution
- Risk severity
- Tax code
- VAT number
- Historical data on credit limits and risk score
- Date of last financial statement
- Request ID
- Company ID
- Request timestamp
The risk index, as in the case of the Credit Score Advanced, is indicated by a color scale consisting of 7 colors, ranging from highest to lowest risk:
- Dark red
- Bright red
- Red
- Yellow
- Green
- Light green
- Dark green
This scale allows for quick visualization of the risk level associated with a company or customer.
The rating is calculated based on quantitative variables such as company financial statements, liquidity, debt, and productivity. The information is processed through automatic statistical models.
Yes, the service is available via API, allowing direct integration into your IT systems to obtain real-time reports.
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 aimed at a wide range of professionals who need an in-depth analysis of their customers' or partners' financial solvency, including:
- All businesses and professionals who need to evaluate the creditworthiness of customers or business partners in detail.
- Banks and financial institutions: to monitor the financial stability of customers before granting loans or financing.
- Leasing and factoring companies: to assess their customers’ repayment capacity and reduce financial risks.
- Debt collection companies: to identify potential risks and plan recovery strategies.
- Large companies and multinationals: who need to regularly monitor their suppliers and business partners.
- Financial advisors and accountants: for in-depth analyses of the financial health of companies and clients.
The ideal solution for those who need an accurate and customized credit analysis for strategic business decisions.
The service is delivered in real time, meaning that once the request is sent via API, the data is processed and returned immediately.
There are subscription options offering more affordable rates, starting from €0.42 + VAT per request. Subscriptions have usage limits, which vary depending on the type of subscription chosen, offering greater flexibility based on needs. Alternatively, the cost for each individual request via top-up is €1,10 + VAT.
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Viale Filippo Tommaso Marinetti 221 - 00143 Rome - Business Register: 1378273, Share Capital: €50,000.00, VAT Number: IT12485671007, Recipient Code: 'USAL8PV' - Certified Email: [email protected]
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