CREDIT REPORT: The key element of this report is the assessment of joint stock and limited liability companies, expressed by a Rating, a concise credit judgement on the creditwothiness of the company, with particular reference to its capacity to cope with short term trade payables.

Credit checking and monitoring

Founded in 1974, Cerved B.I. delivers business information for credit checking and monitoring and serves over 14,000 clients in Italy and abroad, including over 90% of Italy’s 200 largest banks and over 50% of Italy's 500 major corporations, as well as small and medium enterprises and professionals. Cerved has databases of economic, financial and commercial information about individuals and companies and delivers information for credit checking and monitoring. On the basis of the extensive public (official) sources Cerved develops high value added essential services and products enabling users to have a comprehensive view of Italian enterprise, including: Reports and accounts, economic and financial performances, their trends over time, comparisons against industry averages; Commercial creditworthiness; Directors and stockholders; Group structure; Stock holdings and real estate ownership real estate mortgages; Payment defaults, bankruptcies and other prejudicial events relating to companies or their directors. A credit report is an instrument for credit checking and monitoring. The key element of this report is the assessment of joint stock and limited liability companies, expressed by a Rating, a concise credit judgement on the creditwothiness of the company, with particular reference to its capacity to cope with short term trade payables. It contains: Company data: all information for credit checking and monitoring included in the Company Overview with indication of the shareholders. Rating. Commercial credit limit. Specific Ratings on five aspects of the company's performance, compared with other companies in the same sector. Sectorial distribution in Rating categories. Shareholdings resulting from the last available annual reports. All our services for credit checking and monitoring are available on Internet, with the exception of Infocenter, Financial Statement Analysis - Cebi (Analisi di Bilancio - Cebi), Import/Export Italian Companies - SDOE (Imprese Italiane Operanti con L'estero - Sdoe), and a few monitoring services. For more information you can contact our Customer Centre, which is available to help you from Monday to Friday from 8.30 a.m. to 6.30 p.m. and on Saturdays from 9 a.m. to 1 p.m. You can consult our services even if you haven’t internet. According to requirements you can chose the type of connection that best meets your needs. As well as via Internet, it is also possible to connect with our services via a 3270 emulator, using a modem, a switched telephone line (the one normally used to talk on the phone) or a dedicated line (a special high-speed line). Obviously, if you are talking about a large company or bank and need to distribute information for credit checking and monitoring in a systematic manner to branches or to integrate our information into information already in the company's/bank's possession, it is also possible to connect with our information systems using more sophisticated methods (CtoC/APPC). But on this point we invite you to contact our commercial people by calling the CERVED Business Information commercial branch closest to you or our Customer Centre. Besides offering a vast range of on-line information services for credit checking and monitoring, CERVED Business Information also offers its customers some specific services, designed to meet special needs. One of these is the INFOCENTER service, via which it is possible to ask for customised searches to be undertaken, based on the search parameters that you supply.