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.

Financial ratios

Cerved Business Information is leader in delivering business information and financial ratios in Italy. Founded in 1974, Cerved B.I. 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. Financial ratios are included in Creved Trend: it’s 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 are used as opposed to the summary financial statements. Figures, financial ratios 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. Our services are designed for the marketing and commercial units of production and distribution companies, finance companies and banks, information agencies, professionals, and research units - in practice for all those interested in knowing their partners better, finding new ones, deepening their knowledge of new markets and of the ones where they are already active. 90% of the top 200 Italian banks and a good part of the most important Italian companies are already our customers. Updating of the information and financial ratios in our archives varies depending on the type of data, relevant legal requirements, and on the type of service. All our services 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. If you need to use our information and financial ratios only occasionally, you can register on-line and consult our archives without a subscription, paying with your credit card. If you instead think that you will use our services more frequently, it is better to take out a subscription with Reteaffari and define a prepaid amount from which the costs of your consultations will be deducted. Figures, financial ratios 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. Our services are designed for the marketing and commercial units of production and distribution companies, finance companies and banks, information agencies, professionals, and research units - in practice for all those interested in knowing their partners better through financial ratios and business information, finding new ones, deepening their knowledge of new markets and of the ones where they are already active. 90% of the top 200 Italian banks and a good part of the most important Italian companies are already our customers.