What information have you used to calculate my D&B Failure Score?
The D&B Failure score comprises of multiple difference elements :
- Demographics – Including business age, location (local or national trading) and line of business incorporating the Economic Index which reflects the risk to different industries when the economy changes.
- Corporate Linkage – The size, strength and risk of a group of businesses as a whole is taken into consideration when calculating the Score for an individual business.
- Principals – The Principal’s experience and performance of associated businesses.
- Financial – Ratios and trends taken from financial accounts. Factors assessed include liquidity, solvency, profitability, debt, late filing and detrimental notes.
- Trade Experiences collected through the Dun & Bradstreet Trade Programme – Dun & Bradstreet customers regularly provide their experiences of the payment habits of businesses they are trading with. Payment trends and percentages of prompt or late payments will affect Scores in addition to comparison with industry payment averages.
- Public detrimental information - Such as County Court Judgements (CCJs), mortgages / charges and the legal pre-failure events (administration, receivership, bankruptcy, etc.).
For detailed information on the D&B Scores and Ratings, please download our scoring brochure.