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Do you have a new customer?
Is he reliable?

In today’s world, it is increasingly important to have as much information as possible, to be able to check the economic and financial health of your new customer in just a few seconds, and understand his degree of reliability at a glance.

You can do it now, with s-peek!

s-peek is the first app that allows you to reach, in a simple and economical way, a company's credit rating and financial information.

  • discover credit rating and commercial credit limit.
  • verify the most significant financial data.
  • download business information as a PDF.
  • receive updates on purchased reports automatically.
  • read what other people think about each company.
  • give your own opinion based on your personal experience.
  • invite your friends to share companies information.
  • share your opinion on most social network channels.
Compo1
Speek Web Admin4

Over 25 million companies data in Europe

The data of more than 25 million companies across Europe, on your hand and always up to date! Thanks to s-peek, you will be able to select your financial partners based on concrete and reliable indicators.

All the evaluations inside s-peek are based on publicly available information: company registration, financial statements and company belonging sectors. Everything monitored for 12 months.

s-peek freemium model shows modefinance evaluation and economic information regarding the company you choose.
Once you select a company through our fast search engine, you are able to obtain the best detailed-level you need:

  • a first FREE level provides a general evaluation: how healthy the company is, through a simple green, yellow and red system, based on modeFinance evaluation;
  • a second FLASH level, that can be purchased starting from 0,99 Euro, which allows you to reach our MORE rating technology (AAA –D), commercial credit limit, qualitative trends of total debts, profitability and a comparison with other companies in the same field;
  • a third Extended12M level, with prices starting from 16,99 Euro, which, in addition to all of the previously stated information, allows you to analyze key financial data (equity, total assets, turnover, profit/loss) over the last three financial years of the company’s activity.

User-friendly? It is!

One of s-peek strengths is to provide a tool which aligns European companies financial statements. We give users, who are not able to read depth financial data, the opportunity to know in an immediate way credit ratings and limits, helping them to get a more accurate perception on their partner's reliability.

s-peek is ideal for both companies and professionals which have business relations with European corporations.

Speek Web Admin5
Verde

Healthy company

AAA The company’s capacity to meet its financial commitments is extremely strong.
AA The company has very strong creditworthiness.
A The company has a high solvency.
BBB Capital structure and economic equilibrium are considered adequate.
Giallo

Balanced company

BB The company's performances are adequate considering the sector and the country in which it is operating.
B The company presents vulnerable signals with regards to its fundamentals.
Rosso

Vulnerable company

CCC The company has a dangerous disequilibrium on the capital structure and on its economic and financial fundamentals.
CC The company shows signals of high vulnerability.
C The company shows considerable pathological situations.
D The company has not any longer the capacity to meet its financial commitments.

Rating

Credit rating and commercial credit limit available within s-peek are evaluated through an innovative MORE methodology, developed and owned by modefinance. The Multi Objective Rating Evaluation studies a company as a complex system and deepens the analysis: solvency, debt coverage, liquidity, cash conversion cycle, profitability, fixed asset coverage, compared with the field it belongs to and the country it operates in.

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).

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).

Reports

Reports are a tool through which you can quickly and simply understand a company's financial performance. By downloading the report, you know the registration information, the rating, the commercial credit limit and much more.

s-peek provides two kind of reports, which differ on details and kind of information given:

  • FLASH
  • Extended12M

Please note that the measure of creditworthiness included in modefinance's s-peek is not a "credit rating" as defined in accordance with the EU Regulation N. 1060/2009.