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MORE is the acronym for Multi Objective Rating Evaluation, the philosophy and methodology for quantifying credit risk created and developed by modefinance . MORE is used to evaluate the degree of solidity, and therefore reliability, of companies. The innovation of the MORE methodology lies in the careful study of the different economic and financial areas that describe a company: profitability, liquidity, solvency, efficiency, etc.

The vision behind MORE is that the better the balance between the different areas, the lower the overall risk associated with the company.

The heart of MORE is an innovative fusion between deep knowledge of the economic and financial dynamics of companies and the most modern methodologies in the numerical field, largely coming from the engineering analysis of complex systems.

The analysis is carried out through a series of different multi-dimensional and multi-objective algorithms that allow the observation and understanding of the different business dynamics, thus allowing the most accurate risk assessment possible. MORE uses all public information regarding the companies under examination.

The MORE Credit Limit is the estimate of the maximum amount of credit that can be granted in a commercial relationship to the company analyzed, in the time period of one year. The MORE Credit Limit is the fundamental element for the evaluation of a customer's credit: in fact, it evaluates the maximum exposure that the company can receive.

The data is provided by official information distributors that each national public body has appointed to collect annual financial statements of companies in its country. Financial data are always taken from official financial statements filed and verified. In some countries, where there is no official central source, the information provider may collect data directly from companies.

In some countries, the only way to prevent the disclosure of company data is to remove it from the official source. Once removed, national information providers can no longer reach the data and it will no longer appear in s-peek. 

While we understand that some companies have reservations about being included in s-peek, we cannot remove or modify the data on our website because the data is official and public, but we are ready, upon official request to hideme@s-peek.com, to remove the MORE Score preview from the “Search” menu. Only the legal representative of the company can request the removal of the preview, so we invite the user to include in the email any attachments useful to demonstrate identity and role.

All the data we hold are freely available to the public and are published under the laws of each national authority. Therefore, no permits or authorizations are required.

We believe that the company accounts displayed on s-peek are accurate as they are a direct representation of what is already available at the official national offices. In case you find that your company data is inaccurate, contact us here, so that we can understand the problem and resolve it together with the relevant national office.

You can find all the invoices in the dedicated section. Simply:

• access the platform or the app
• click on the round box at the top right and select the item "Invoices" from the menu. To access the menu in the mobile app version, simply click on the bar icon at the top left.

To enter or modify your billing information, simply select the item "Edit Account" from the menu. You will be directed to your personal area, where you can select the item "Billing information" from the menu on the right and enter or modify your personal information (to access from mobile, follow the following path: menu > settings > personal information).

Mandatory electronic invoicing came into force on 1 January 2019. To receive the electronic invoice, enter the Billing Code or alternatively your Certified Electronic Mail address in the appropriate fields located at the end of the billing information.

The s-peek services (traffic light, FLASH Report and Extended12M Report) are also available via API.
For more information or to access the services via API, contact customer service at: technical.support@modefinance.com

We are a Fintech Rating Agency active in credit rating and promoting a new vision for its use.
modefinance is a limited liability company (modeFinance Srl), registered in the Chamber of Commerce of Trieste (REA: TS – 129826) and registered with VAT No. IT01168840328.
Our offices: Building H, Area Science Park, Padriciano 99, Trieste, Italy.

Since 10 July 2015 modeFinance Srl is registered as a credit rating agency in accordance with Regulation No. 1060/2009 of the European Parliament and of the Council of 16 September 2009 (Credit Rating Agencies Regulation).

You can find all modefinance data in s-peek.

To contact us, write to: support@s-peek.com

You pay once a year and get up-to-date business reports for 12 months, real-time notifications on significant changes, company comparison tools, analytics for your portfolio, and the ability to filter and select new prospects.

The Extended report includes updated balance sheet data, economic and financial indicators, risk analysis, details on company solidity and insights into the factors that influence economic and financial balance.

Yes, there are progressive discounts for purchasing larger credit packages.