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 scores

On the basis of the extensive public sources Cerved Business Information develops high value added essential services and products enabling users to have a comprehensive view of Italian enterprise through the delivery of their credit scores. Cerved delivers financial information including balance sheet, profit and loss account and credit scores. Financial statements in image format are copy of the original official financial statements (including balance sheet, profit & loss account, supplementary note filed by law at the Chamber of Commerce by joint stock and limited liability companies). Cerved BI supplements the financial statements with a summary report which highlights the main items like credit scores and key ratios for easier reading and comprehension of the statements. Summary financial statements is resulting from elaborating the official financial statements of the company and including balance sheet, profit & loss account and ratios, reclassified according to the IV and VII European Union directives. Cerved trend is a document containing the financial statements for several years for which, in accordance with current regulations pursuant to EEC Directive IV, the statement models relative to the complete financial statements and credit scores are used as opposed to the summary financial statements. Figures, Ratios, credit scores and information are shown one next to the other in order to make for easy reading and analysis. This document differs from the document Summary Financial Statements in its more extensive chart of accounts which is more in keeping with the standard financial statement model provided for in EEC Directive IV. Cerved trend plus: all information included in Cerved Trend document plus an analysis of average figures for the sector in which the company operates. The document is formed of the following sections: Company Identification. Calculation Parameters for Sector Averages. Summary of Operating Results and Distribution of Profits. Accounts Statement. Financial Statements’ Percentage Composition. Balance Sheet ratios and sector comparisons. Benchmark is delivered by Cerved to analyse competitors and compare their performance by using charts, credit scores and key ratios obtained from their financial statements (Balance Sheet and Profit & Loss account). All our services and information about credit scores 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. Browse our business solutions and information with reference to credit scores by viewing our examples. When you are ready to procede you can purchase information by credit card which automatically makes you a subscriber or contact our customer centre. For more information on becoming a subscriber just click or the link above.