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Business Information Report

Introduction

D&B Business Information Reports (BIR) provide a snapshot of the current situation of a company and, via predictive Indicators, an outlook on future risk.

A BIR will normally give sufficient up-to-date information about the trading activities and financial viability of the company concerned to help a customer make an informed decision about the terms on which they should do business.

The Business Information Report is underpinned by D&B’s DUNSRight® process of collecting and enhancing data to ensure the quality, accuracy and completeness of our information.

The data content and depth of the records differs from country to country and mainly depends on data availability in the respective market

The type of entity also influences the data depth. There are legal forms for which almost no data is publically available while bigger companies tend to publish more data.

Typical data sources used to compile a BIR

Typically, a BIR contains the following

General Business Information.
Contact details, Line of Business, Export & Import details, Company History, etc.
Financials, where available.
Management Details.
Shareholding Patterns.
Corporate Linkages (Affiliates/ Associates/ Subsidiary/ Parent/ Ultimate Parent)
Registration details

D&B Rating

The D&B Rating in SAME and Africa consists of two parts, Financial Strength Indicator & Credit Appraisal, e.g. 5A3:

Financial Strength is an indication of the tangible net worth. (5A)
Credit Appraisal (3) is linked to the level of risk and is an overall evaluation of credit worthiness. It takes into account the financial condition and several factors such as trade reference history, legal structure, management experience and any adverse listings.

Report Types

Across most regions the Business Information Report is usually the only available product. Within Europe there are 3 report types available:

Comprehensive report
Standard report
Compact report

Solution Benefits

Each country assessment includes a two-year forecast, which facilitates the management of ongoing business risk.
Assigns a Rating Trend - a quick reference guide as to whether the country’s overall risk environment is stable, improving or deteriorating.
Provides a listing of currently available export credit insurance for the country.
Includes brief analysis of current payment delays and an overview of recommended and minimum credit terms and usual credit periods.
Provides data and analysis to allow the comparison of cross-border trading conditions around the globe.
Provides a concise overview of a country's economic and political structures and recent events affecting the risk environment

In addition, in the Middle East Region, there are two further report types for local customers:

C-CAM (Customer Credit Assessment Model)
Business Scope

A C-CAM is a customized report usually prepared for a large corporate business which would be used to evaluate their dealer, supplier or distributor network.

The Business Scope is a Self Impact report, where a company requests an enhancement of their own BIR with detailed business profiling, undertaken in consultation with the business.

Customer Challenges

Management of Risk Exposure
KYC and Compliance issues
Improving Cash Flow
Tracking changes within the businesses of customers and suppliers
Consolidating Data held on customers and suppliers

Solution Benefits

Business Information Report

Perform credit risk assessments of existing and potential customers.
Benefit from D&B’s predictive indicators and determine the risk of delinquent payment.
Assess overall financial condition.
Assess the legitimacy of international customers.

C-CAM (Customer Credit Assessment Model)

Monitor credit risk of existing customers to identify high risk and deteriorating accounts.
Authenticate the background of new customers / dealers before appointing them or doing business with them.
Obtain a neutral assessment of the creditworthiness and business risk of each customer/dealer.
Assess whether or not to issue a credit line to these customers/dealers.
Frame decision rules on credit lines to customers/dealers based on objective criteria

Business Impact report

Evaluate the current credit profile of the client through an investigative process.
Identify key factors within the business which are influencing the credit assessment and rating.
Identify measures which can be taken to positively influence the key factors.
Monitor the effect of the measures over a 12 month period.
Improving a credit profile can nurture a business’s reputation with suppliers, trade partners and financial institutions.