Features

The Credit Score is a score that reflects the economic and financial quality of a given company, assigned based on its risk factors.

The company's credit limit represents how much exposure you can take on in a year, evaluating the annual trade credit limit that can be granted to the company.

modefinance bases the credit limit calculation on the following values related to the analyzed company:

• size
• years of operation
• average number of suppliers
• cost towards suppliers
• company liquidity and comparison with the relevant industry
• ability to repay its debts, measured through the Credit Score calculated using the MORE methodology.

For Italian companies, s-peek includes any public and official negative items in the company's assessment.

Specifically, the following are considered:

• protests related to the company
• insolvency proceedings such as bankruptcy, preventive agreement, compulsory liquidation, extraordinary administration (including special procedures for large companies in a state of insolvency).

For Italian companies, s-peek provides financial statements from the last three years.

Specifically, for capital companies (S.p.A. and S.r.l.), you can analyze in detail the economic and financial performance over time.

Keep track of updates for the companies you are monitoring: with a convenient internal search engine, you can search among 25 million companies to find the ones you're interested in and 'monitor' them in your personal profile, along with those for which you've purchased a report.

For each company being monitored, you can see:

• the MORE Credit Score
• the type of report you’ve purchased (FLASH or Extended)
• labels to customize your entire portfolio
• the company’s demographic information

Our database covers Italian companies and over 25 million European companies.

With the Extended report, you get everything offered in the FLASH report (MORE Score, credit limit, industry comparisons over the last 3 years) plus:

• company profile: the profile section includes all the company's contact details, its legal form, sector, whether it's publicly listed or not, and its status. You can also download the report in PDF format.
• full financial statements for the last three years (for Italian companies)
• shareholders and managers, along with the members of the Board of Directors
• details of negative items: if the company has public and official negative items, they are detailed
• monitoring: the report is monitored for free for 12 months with weekly updates (bi-weekly for negative items)With the Extended report, you have the maximum amount of available information to fully understand the solidity and stability of the company you are monitoring.

The FLASH report is the first level of report available on s-peek, and contains the following information:

MORE Credit Limit: how much exposure you can take on in a year with this company. It evaluates in detail the annual trade credit limit that can be granted to the company.

MORE Score: The philosophy behind the MORE Score is to examine the company’s economic and financial fundamentals, assessing every aspect to determine the balance between different characteristics. The core idea of the MORE methodology for evaluating a company’s financial health is that it should be balanced in all its aspects: the better the economic and financial balance, the higher the MORE Score assigned.

Negativity flag: flag indicating the presence (positive or negative) of public and official negative items regarding the company.

assigned rating analysis: a brief analysis of the assigned Credit Score using color-coding based on the following factors: solvency, profitability, liquidity.

industry comparison: you can consult the company’s performance data, comparing it with the past 3 years and with the average of companies in the same industry.

All reports are also available in PDF format, so you can download them, print them, and have them with you at any time, even when you're offline!

Wherever you are, s-peek is always with you: access the data of the companies you're monitoring directly from your smartphone or tablet, and share all the data and reports with the web app. 

The s-peek app is available on iOS and Android.