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.
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.
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.
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.
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.
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.
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.
You can find all the invoices in the “Invoices” area, just:
To enter or modify your billing data, select “Edit profile” from the menu. You will be redirected to your personal area, where you can select “Billing Information” from the menu on the right. To access your personal area from mobile app, follow the path: menu > settings > personal info.
From January 2019, e-invoicing will become mandatory. To receive e-invoices enter the Billing Code or a certified email address in the "Billing information" area on s-peek.
s-peek features (semaphore, FLASH Report and Extended12M Report) are also available via API.
For more information on how to access API, please contact the customer service at: technical.support@modefinance.com
We are a Fintech company focused on rating evaluation.
As a private limited company (modefinance srl), we are registered in Chamber of Commerce, Trieste (REA: TS – 129826) VAT N. IT01168840328.
Our offices: Building H, Area Science Park, Padriciano 99, Trieste, Italy.
For any inquiry, please send us an email at support@s-peek.com