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FAQ

What is the MORE Rating?

MORE stands for Multi Objective Rating Evaluation, the credit risk assessment methodology created and developed by modefinance. The innovation of MORE technology is focused on the accurate study of the different financial and economical areas in which a company is subdivided: profitability, liquidity, solvency, efficiency, etc.

The MORE’s vision affirms that the better the equilibrium between the different areas, the lower is the total financial risk of the company.

With effect from July 10th, 2015, modefinance srl is registered as a credit rating agency in accordance with Regulation (EC) N. 1060/2009 of the European Parliament and of the Council of 16 September 2009 (the Credit Rating Agencies Regulation).

The MORE Methodology is used by modefinance as part of the process of issuance of Credit Ratings in compliance with Regulation (EC) N. 1060/2009 of the European Parliament and of the Council of 16 September 2009 (the Credit Rating Agencies Regulation).

Why is MORE innovative?

The technological core of MORE is constituted by an innovative fusion between deep knowledge of the economic and financial dynamics and the most innovative numerical methodologies, mainly coming from complex engineering design studies.

The analysis is performed by a set of different multi-dimensional and multi-objective algorithms which permit the study and the observation of companies different aspects, in order to give the most accurate risk analysis.

What is the MORE Credit Limit?

The MORE credit limit is the estimation of the amount of maximum credit that is possible to assign on a commercial relationship with the analyzed company with an outlook of one year.

Where do you pick your data?

All the data are collected by the official information providers from any national official public office, in charge of collecting annual accounts in each country. The financial data are always the officially filed and audited accounts. In some countries, where a central official source doesn’t exist, the information provider might collect the data directly from the companies.

Could I withdraw my data?

In some countries, the only way to prevent disclosure of company’s data is to remove it from the source. Once removed, the national information providers cannot reach anymore the data and you will not find that data in s-peek anymore.
While we understand that some companies have reservations about being included within s-peek, we won't remove or change data on our website because these data are official and public.
However, after an official request at hideme@s-peek.com , we are ready to hide the preview of the MORE Rating from the “Search” menu.
Only a company’s legal representative can apply for the removal of the rating preview: therefore, be sure to include any relevant and helpful attachment to prove the user identity and role in your message.

Why are you authorized to publish this information?

All of the data we hold are freely available to the public domain and published under the rules of every national authority. Therefore no authorization or permission are required.

My company data are incorrect. What can I do?

As we collect our data from national official offices, we believe companies accounts shown on s-peek are accurate. But we know that everyone makes mistakes, too, so if you find any inaccurate data about your own company, please contact us here , so we can go deeper at understanding the problem with the authorities.

Who is modfinance?

We are a young company involved in credit rating evaluation and pioneers of a new Fintech vision.
We are a private limited company (modefinance srl), registered in Chamber of Commerce, Trieste (REA: TS – 129826) VAT N. IT01168840328.
Our offices: Building A, Area Science Park, Padriciano 99, Trieste, Italy.

With effect from July 10th, 2015, modefinance srl is registered as a credit rating agency in accordance with Regulation (EC) N. 1060/2009 of the European Parliament and of the Council of 16 September 2009 (the Credit Rating Agencies Regulation).

For any inquiry, please send us an email at support@s-peek.com.

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