The CREDIT SCORING TOP MONITORING service allows you to monitor over time approximately 180 information fields related to companies registered with the Italian Chamber of Commerce, detecting changes in economic, financial, and scoring data.
When activated, the system performs an initial full check during the night following the creation of the monitoring request, collecting all available company data. Subsequently, automatic checks are carried out on a weekly basis (every 7 days), always during nighttime hours, comparing updated data with the previous historical data to identify any changes in the monitored fields.
Callback configuration is optional. If enabled, the system will automatically send a notification whenever a change is detected, allowing you to receive real-time updates without the need for manual checks.
The monitoring service lasts 12 months.
- If autorenew = false, the service will automatically terminate upon expiration;
- If autorenew = true, the monitoring service will be automatically renewed, provided that sufficient credit is available.
An ideal solution for management software, fintech platforms, and businesses that need to monitor over time the creditworthiness of customers, suppliers, and business partners. It is particularly useful for credit management, onboarding processes, risk analysis, and automated alerting and corporate compliance systems.
REQUEST EXAMPLE
POST /IT-creditscore-top-monitor
This endpoint allows you to create a new monitoring request for a company.
By default, the system monitors all available fields. Alternatively, monitoring can be configured by selecting:
- individual fields or specific object elements;
- entire groups of fields (objects), to monitor changes related to a specific data section.
The required fields to submit the request are:
- VAT Number;
- Tax Code;
- Company ID (company).
{
"code": "12485671007",
"monitoredFields": [
"credit_check"
],
"callback": {
"url": "https://webhook.site/f24cec85-22e3-4f7c-8ec0-227b240daa42"
}
}
RESPONSE EXAMPLE
POST /IT-creditscore-top-monitor
{
"data": {
"code": "12485671007",
"monitoredFields": [
"credit_cehck"
],
"callback": {
"method": "JSON",
"url": "https://webhook.site/28a4dddf-eca1-47f2-88d8-94878995e4d8",
"user_id": "",
"username": "",
"field": "data",
"headers": {},
"data": {},
"retry": 0,
"scope": null,
"domain": null,
"custom": null
},
"owner": "[email protected]",
"createdOn": "2026-02-03",
"companyId": "60d1bfc731177b0a092cdfc1",
"vatCode": "12485671007",
"taxCode": "12485671007",
"companyName": "OPENAPI S.P.A.",
"updatedFields": null,
"latestDataset": null,
"previousDataset": null,
"checkedOn": null,
"nextOn": "2026-03-05",
"expiresOn": "2027-02-03",
"autorenew": true,
"id": "6981e3571a222556460af532"
},
"success": true,
"message": "",
"error": null
}
SPECIFIC REQUEST EXAMPLE
GET/IT-creditscore-top-monitor/{id}
Endpoint that returns the request identified by the identifier passed in the path.
{
"data": {
"code": "12485671007",
"callback": {
"method": "JSON",
"url": "https://webhook.site/893d9097-c336-4ca6-a498-8fcf69f5e7ce",
"user_id": "",
"username": "",
"field": "data",
"headers": {},
"data": {},
"retry": 0,
"scope": null,
"domain": null,
"custom": null
},
"monitoredFields": [
"all"
],
"owner": "[email protected]",
"createdOn": "2026-04-22",
"companyId": "60d1bfc731177b0a092cdfc1",
"vatCode": "12485671007",
"taxCode": "12485671007",
"companyName": "OPENAPI S.P.A.",
"updatedFields": {
"consolidated_financial_statements": [],
"financial_details": {
"alerts": {
"directors_analysis_suggested": false,
"has_directors_with_crisis_position": false,
"has_restricted_shares": false,
"shareholders_analysis_suggested": false
},
"anomalies": [],
"balance": [
{
"assets_building": 342723,
"capitalization_index": 37.873,
"current_result": 355250,
"gross_operating_result": 426469,
"liability_consolidated": 82787,
"liability_current": 612046,
"liquidity": 1.267,
"net_profitablity_of_sales": 9.171,
"operating_income": 356098,
"result_before_taxes": 355250,
"result_for_the_year": 338315,
"revenues_from_sales_services": 3671995,
"sales": 3688818,
"share_capital": 423570,
"total_assets": 1118403,
"total_debt_ebitda_ratio": 1.266,
"total_other_income_revenues": 16823,
"total_value_of_production": 3688818,
"value_added": 1043897,
"working_capital": 775680,
"balance_check": "OK",
"balance_check_details": "bilancio corretto",
"balance_closed_at": "2024-12-31",
"tax_identifier": "12485671007",
"year": "2024"
},
],
"credit_check": {
"seller_invoice_check": "Verde",
"seller_invoice_check_public": Valutabile",
"seller_invoice_check_public_description": "L'azienda risulta valutabile. E' possibile proporre la controparte ed il gruppo di appartenenza per un'analisi completa dei nostri analisti e, qualora le verifiche diano esito positivo, sottoporla agli Investitori, che di volta in volta decideranno in autonomia se acquistare o meno il credito.",
"seller_invoice_check_raw": "B2",
"short_invoice_check": true,
"balance_year": "2024",
"in_review": false,
"last_update_at": "2025-07-22",
"operational_credit_limit": 59000,
"operational_credit_limit_trend_description": "stabile",
"operational_credit_limit_trend_value": 0,
"period": "",
"rating": "B2",
"risk_score": "VERDE",
"risk_score_description": "inferiore alla media",
"tax_identifier": "12485671007"
},
"group": {
"address_city": "ROMA",
"address_region": "Lazio",
"adress_postal_code": "00143",
"adress_province": "RM",
"main_industry": "K01",
"ateco2007": "642100",
"group_tax_identifier": "16935371001",
"legal_form": "SR",
"organization_name": "OPEN HOLDING S.R.L.",
"organization_status": "REGISTRATA",
"tax_identifier": "12485671007",
"vat_identifier": "16935371001"
},
"insolvency_procedures": null,
"negativities": {
"bankruptcy_proceeding_date": null,
"first_protest_date": null,
"has_bankruptcy_proceedings": false,
"has_bankruptcy_proceedings_on_manager": false,
"has_foreclosures": false,
"has_insolvency_procedures": false,
"has_past_events": false,
"has_past_insolvency_procedures": false,
"has_protests": false,
"has_protests_on_manager": false,
"insolvency_procedure_date": null,
"insolvency_procedure_type": "",
"last_protest_date": null,
"past_insolvency_procedure_description": "",
"protests_number": 0,
"tax_identifier": "12485671007",
"vat_identifier": "12485671007"
},
"note": null,
"registry": {
"activity_start_date": "2013-10-20",
"address_city": "ROMA",
"address_city_code": "058091",
"address_postal_code": "00143",
"address_province": "RM",
"address_region": "Lazio",
"main_industry": "J05",
"main_industry_description": "Informatica: software, consulenza e servizi",
"nace2": "",
"ateco2007": "621000",
"ateco_description": "Attività di programmazione informatica",
"company_constitution_year": "",
"company_status": "REGISTRATA",
"employees_number": 15,
"inserted_at": "2026-03-19",
"is_ateco2025": true,
"last_update_at": "2026-04-07",
"legal_form": "SP",
"legal_form_description": "società per azioni",
"legal_form_type": "CA",
"macro_area": "",
"organization_address": "VLE F TOMMASO MARINETTI, 221",
"organization_name": "OPENAPI S.P.A.",
"organization_ufficial_code": "RM1378273",
"pec_email_address": "[email protected]",
"rea_inscription_date": "2013-07-19",
"registration_date": "2013-07-19",
"split_payment_insert_date": null,
"split_payment_list": null,
"tax_identifier": "12485671007",
"vat_identifier": "12485671007",
"web_site": "https://openapi.it/"
}
},
"financial_report": [
{
"balance_check": "OK",
"balance_check_details": "bilancio corretto",
"balance_closed_at": "2024-12-31",
"balance_sheet": [
{
"group_composition_index": 20.7,
"group": "SP",
"group_value": 231528,
"label": "Immobilizzazioni materiali"
}
],
"balance_sheet_mcc": [
{
"group_composition_index": 0,
"group": "SPMCC",
"group_value": 0,
"label": "Crediti verso soci per versamenti ancora dovuti"
}
],
"balance_year": "2024",
"finance_details": [
{
"group_composition_index": 96.22,
"group": "SP",
"group_value": 384210,
"label": "Autofinanziamento"
}
],
"financial_index": [
{
"group_composition_index": 0,
"group": "IND1",
"group_value": 163634,
"label": "Capitale Circolante Netto"
}
],
"month_period": 12,
"profile_and_loss_account": [
{
"group_composition_index": 99.54,
"group": "CE",
"group_value": 3671995,
"label": "RICAVI VENDITE E PRESTAZIONI"
}
],
"profile_and_loss_account_mcc": [
{
"group_composition_index": 0,
"group": "CEMCC",
"group_value": 45895,
"label": "Totale ammortamenti e svalutazioni"
}
],
"tax_identifier": "12485671007"
},
{
"balance_check": "OK",
"balance_check_details": "bilancio corretto",
"balance_closed_at": "2023-12-31",
"balance_sheet": [
{
"group_composition_index": 18.14,
"group": "SP",
"group_value": 233412,
"label": "Immobilizzazioni materiali"
}
],
"balance_sheet_mcc": [
{
"group_composition_index": 0,
"group": "SPMCC",
"group_value": 0,
"label": "Crediti verso soci per versamenti ancora dovuti"
}
],
"month_period": null,
"profile_and_loss_account": [
{
"group_composition_index": 99.37,
"group": "CE",
"group_value": 4043407,
"label": "RICAVI VENDITE E PRESTAZIONI"
}
],
"profile_and_loss_account_mcc": [
{
"group_composition_index": 0,
"group": "CEMCC",
"group_value": 42157,
"label": "Totale ammortamenti e svalutazioni"
}
],
"tax_identifier": "12485671007"
}
],
"group": {
"group_companies": [
{
"address_city": "ROMA",
"address_postal_code": "00143",
"address_province": "RM",
"address_region": "Lazio",
"total_debt_ebitda_ratio": 1.266,
"ateco2007": "621000",
"ateco_description": "Attività di programmazione informatica",
"company_status": "REGISTRATA",
"has_foreclosures": false,
"has_insolvency_procedures": false,
"has_protests": false,
"last_balance_year": "2024",
"legal_form": "SP",
"net_assets": 423570,
"net_profit_for_the_year": 338315,
"net_profits": 3671995,
"organization_address": "VLE F TOMMASO MARINETTI, 221",
"organization_name": "OPENAPI S.P.A.",
"tax_identifier": "12485671007",
"vat_identifier": "12485671007"
}
],
"group_leader": {
"address_city": "ROMA",
"address_postal_code": "00143",
"address_province": "RM",
"address_region": "Lazio",
"total_debt_ebitda_ratio": 0,
"ateco2007": "642100",
"ateco_description": "Attività delle società di partecipazione (holding)",
"company_status": "REGISTRATA",
"has_foreclosures": false,
"has_insolvency_procedures": false,
"has_protests": false,
"last_balance_year": "2024",
"legal_form": "SR",
"net_assets": 312324,
"net_profit_for_the_year": -7468,
"net_profits": 0,
"organization_address": "VLE F TOMMASO MARINETTI, 221",
"organization_name": "OPEN HOLDING S.R.L.",
"tax_identifier": "16935371001",
"vat_identifier": "16935371001"
}
},
"history": {
"history": [
{
"address": null,
"ateco2007": null,
"ateco_description": null,
"last_validity_date": "20211020",
"legalform": null,
"legalform_type": null,
"locality": null,
"name": "ALTRAVIA SERVIZI SOCIETA A RESPONSABILITA LIMITATA",
"pec": null,
"province": null,
"rea": null,
"sector": null,
"status": null,
"type": "name",
"zipcode": null
}
],
"note": {
"description": "Durante questo periodo sono emersi degli eventi che hanno influenzato la valutazione, tra questi ricordiamo:",
"events": [
"Nuovo bilancio"
]
},
"operational_credit_limit": [
{
"month": "2025-05",
"value": 5000
}
],
"public_rating": [
{
"balance_year": "2023",
"month": "2025-05",
"rating": "C1"
}
],
"risk_score": [
{
"description": "superiore alla media",
"month": "2025-05",
"score": "GIALLO"
}
]
},
"industry_analysis": {
"count_by_region": {
"active_count": 12737,
"cancelled_count": 713,
"cancelled_count_month": 146,
"high_risk_count": 1684,
"new_count": 927,
"new_count_month": 50
},
"count_by_sector": {
"active_count": 100306,
"cancelled_count": 6185,
"cancelled_count_month": 1395,
"high_risk_count": 10008,
"new_count": 7603,
"new_count_month": 503
},
"region": "Lazio",
"risk_indicators_by_industry": [
{
"risk_indicator": "GIALLO",
"total": 11114
}
],
"sector": "J05",
"total_by_sector": 173182,
"total_registered": 9758706
},
"organization_name": "OPENAPI S.P.A.",
"risk_locator": {
"subjects": [
{
"address_city": "ROMA",
"address_postal_code": "00143",
"address_province": "RM",
"ateco": "741401",
"ateco_description": "Attività di progettazione specializzata fornite da disegnatori tecnici",
"balance_year": null,
"group_name": null,
"legal_form": "società in accomandita semplice",
"organization_address": "VLE F TOMMASO MARINETTI, 221",
"organization_name": "GT GLOBAL SERVICES S.A.S. DI GIONA ANTONY",
"organization_status": "CANCELLATA",
"tax_identifier": "13831401008"
}
],
"tax_identifier": "12485671007"
},
"sectorization_report": [
{
"main_industry": "Informatica: software, consulenza e servizi",
"main_industry_code": "J05",
"positions": [
{
"industry_index": "AFATT",
"industry_index_profile": null,
"industry_order_position": "CR",
"industry_position": "Q5",
"industry_position_color": "5",
"industry_position_color_total": "5",
"industry_position_description": "Fatturato",
"industry_position_last_year_trend": 0.06863,
"industry_position_total": "Q5",
"industry_position_type": "VAL",
"value": 3688818
}
],
"positions_count": 18157,
"profiles": [
{
"name": Equilibrio Patrimoniale",
"note": null,
"score": 2,
"score_description": "aspetti di criticità",
"trend": "in lieve miglioramento"
}
],
"credit_check": {
"seller_invoice_check": "Verde",
"seller_invoice_check_public": Valutabile",
"seller_invoice_check_public_description": "L'azienda risulta valutabile. E' possibile proporre la controparte ed il gruppo di appartenenza per un'analisi completa dei nostri analisti e, qualora le verifiche diano esito positivo, sottoporla agli Investitori, che di volta in volta decideranno in autonomia se acquistare o meno il credito.",
"seller_invoice_check_raw": "B2",
"short_invoice_check": true,
"balance_year": "2024",
"in_review": false,
"last_update_at": "2025-07-22",
"operational_credit_limit": 59000,
"operational_credit_limit_trend_description": "stabile",
"operational_credit_limit_trend_value": 0,
"period": "",
"rating": "B2",
"risk_score": "VERDE",
"risk_score_description": "inferiore alla media",
"tax_identifier": "12485671007"
},
"last_balance_year": "2024",
"note": null,
"positions": {
"main_industry": "Informatica: software, consulenza e servizi",
"main_industry_code": "J05",
"positions": [
{
"industry_index": "AFATT",
"industry_index_profile": null,
"industry_order_position": "CR",
"industry_position": "Q5",
"industry_position_color": "5",
"industry_position_color_total": "5",
"industry_position_description": "Fatturato",
"industry_position_last_year_trend": 0.06863,
"industry_position_total": "Q5",
"industry_position_type": "VAL",
"value": 3688818
}
],
"positions_count": 18157,
"tax_identifier": "12485671007",
"year": "2024"
},
"profiles": {
"main_industry": "Informatica: software, consulenza e servizi",
"main_industry_code": "J05",
"positions_count": 18157,
"profiles": [
{
"name": "Equilibrio Patrimoniale",
"note": null,
"score": 2,
"score_description": "aspetti di criticità",
"trend": "in lieve miglioramento"
}
],
"tax_identifier": "12485671007",
"year": "2024"
}
},
"latestDataset": {
"consolidated_financial_statements": [],
"financial_details": {
"alerts": {
"directors_analysis_suggested": false,
"has_directors_with_crisis_position": false,
"has_restricted_shares": false,
"shareholders_analysis_suggested": false
},
"anomalies": [],
"balance": [
{
"assets_building": 342723,
"capitalization_index": 37.873,
"current_result": 355250,
"gross_operating_result": 426469,
"liability_consolidated": 82787,
"liability_current": 612046,
"liquidity": 1.267,
"net_profitablity_of_sales": 9.171,
"operating_income": 356098,
"result_before_taxes": 355250,
"result_for_the_year": 338315,
"revenues_from_sales_services": 3671995,
"sales": 3688818,
"share_capital": 423570,
"total_assets": 1118403,
"total_debt_ebitda_ratio": 1.266,
"total_other_income_revenues": 16823,
"total_value_of_production": 3688818,
"value_added": 1043897,
"working_capital": 775680,
"balance_check": "OK",
"balance_check_details": "bilancio corretto",
"balance_closed_at": "2024-12-31",
"tax_identifier": "12485671007",
"year": "2024"
}
],
"credit_check": {
"seller_invoice_check": "Verde",
"seller_invoice_check_public": Valutabile",
"seller_invoice_check_public_description": "L'azienda risulta valutabile. E' possibile proporre la controparte ed il gruppo di appartenenza per un'analisi completa dei nostri analisti e, qualora le verifiche diano esito positivo, sottoporla agli Investitori, che di volta in volta decideranno in autonomia se acquistare o meno il credito.",
"seller_invoice_check_raw": "B2",
"short_invoice_check": true,
"balance_year": "2024",
"in_review": false,
"last_update_at": "2025-07-22",
"operational_credit_limit": 59000,
"operational_credit_limit_trend_description": "stabile",
"operational_credit_limit_trend_value": 0,
"period": "",
"rating": "B2",
"risk_score": "VERDE",
"risk_score_description": "inferiore alla media",
"tax_identifier": "12485671007"
},
"group": {
"address_city": "ROMA",
"address_region": "Lazio",
"adress_postal_code": "00143",
"adress_province": "RM",
"main_industry": "K01",
"ateco2007": "642100",
"group_tax_identifier": "16935371001",
"legal_form": "SR",
"organization_name": "OPEN HOLDING S.R.L.",
"organization_status": "REGISTRATA",
"tax_identifier": "12485671007",
"vat_identifier": "16935371001"
},
"insolvency_procedures": null,
"negativities": {
"bankruptcy_proceeding_date": null,
"first_protest_date": null,
"has_bankruptcy_proceedings": false,
"has_bankruptcy_proceedings_on_manager": false,
"has_foreclosures": false,
"has_insolvency_procedures": false,
"has_past_events": false,
"has_past_insolvency_procedures": false,
"has_protests": false,
"has_protests_on_manager": false,
"insolvency_procedure_date": null,
"insolvency_procedure_type": "",
"last_protest_date": null,
"past_insolvency_procedure_description": "",
"protests_number": 0,
"tax_identifier": "12485671007",
"vat_identifier": "12485671007"
},
"note": null,
"registry": {
"activity_start_date": "2013-10-20",
"address_city": "ROMA",
"address_city_code": "058091",
"address_postal_code": "00143",
"address_province": "RM",
"address_region": "Lazio",
"main_industry": "J05",
"main_industry_description": "Informatica: software, consulenza e servizi",
"nace2": "",
"ateco2007": "621000",
"ateco_description": "Attività di programmazione informatica",
"company_constitution_year": "",
"company_status": "REGISTRATA",
"employees_number": 15,
"inserted_at": "2026-03-19",
"is_ateco2025": true,
"last_update_at": "2026-04-07",
"legal_form": "SP",
"legal_form_description": "società per azioni",
"legal_form_type": "CA",
"macro_area": "",
"organization_address": "VLE F TOMMASO MARINETTI, 221",
"organization_name": "OPENAPI S.P.A.",
"organization_ufficial_code": "RM1378273",
"pec_email_address": "[email protected]",
"rea_inscription_date": "2013-07-19",
"registration_date": "2013-07-19",
"split_payment_insert_date": null,
"split_payment_list": null,
"tax_identifier": "12485671007",
"vat_identifier": "12485671007",
"web_site": "https://openapi.it/"
}
},
"financial_report": [
{
"balance_check": "OK",
"balance_check_details": "bilancio corretto",
"balance_closed_at": "2024-12-31",
"balance_sheet": [
{
"group_composition_index": 20.7,
"group": "SP",
"group_value": 231528,
"label": "Immobilizzazioni materiali"
}
],
"balance_sheet_mcc": [
{
"group_composition_index": 0,
"group": "SPMCC",
"group_value": 0,
"label": "Crediti verso soci per versamenti ancora dovuti"
}
],
"balance_year": "2024",
"finance_details": [
{
"group_composition_index": 96.22,
"group": "SP",
"group_value": 384210,
"label": "Autofinanziamento"
}
],
"financial_index": [
{
"group_composition_index": 0,
"group": "IND1",
"group_value": 163634,
"label": "Capitale Circolante Netto"
}
],
"month_period": 12,
"profile_and_loss_account": [
{
"group_composition_index": 99.54,
"group": "CE",
"group_value": 3671995,
"label": "RICAVI VENDITE E PRESTAZIONI"
}
],
"profile_and_loss_account_mcc": [
{
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"message": "",
"error": null
}
DELETE REQUEST
Through the endpoint DELETE/IT-creditscore-top-monitor/{id} it is possible to delete the credit score monitoring associated with a specific company. The request allows you to stop the automatic monitoring related to the company identified by the id parameter. Once the operation is completed, the system will no longer perform updates or notifications related to the credit score monitoring for the specified resource.
The endpoint returns a response confirming the successful deletion of the requested monitoring. In case of success, the success field is set to true and the response message indicates the number of deleted monitoring requests.
{
"data": [],
"success": true,
"message": "1 deleted monitor",
"error": null
}
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CREDIT SCORING TOP MONITORING is a service that allows users to track changes over time in credit scoring and key company information related to Italian businesses registered with the Chamber of Commerce.
The service helps companies monitor business reliability and receive automatic updates whenever significant changes occur, supporting risk assessment, customer onboarding, and partner evaluation activities.
Checks are automatically carried out every 7 days during nighttime hours. After the monitoring service is activated, the first complete check is performed during the following night.
This approach ensures periodic and consistent data updates without affecting the operational performance of the service.
The monitoring service has a standard duration of one year.
- If the autorenew parameter is set to false, the monitoring automatically ends after one year.
- If the autorenew parameter is set to true, the service is automatically renewed upon expiration, provided that sufficient credit is available on the account.
Yes. Simply set the autorenew parameter to false at activation or during monitoring management. In this case, the service will remain active until its natural annual expiration without renewal.
No. Thanks to the callback, the system sends proactive notifications in case of updates, eliminating the need to manually check the monitoring status or results.
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