Credit Scoring

  • Openapi Evasione : Immediate
  • Openapi starting from € 0,06 + vat

Get the credit score of Italian companies in real time via API

The innovative service to obtain information such as Rating, Credit, Risk Score and History on Italian companies

Esempio Credit Scoring

Credit Scoring is the analysis of a series of financial and non-financial variables, helpful in determining the probability of insolvency or default on a loan.

Openapi, thanks to the adoption of artificial intelligence (AI), is able to offer an innovative API service that stands out for the efficiency and accuracy of the risk assessment process.

Currently, there are 3 endpoints available for the credit scoring service:

  • Credit Score IT Start
  • Credit Score IT Advanced
  • Credit Score IT Top (under release)

1. CREDIT SCORE IT START

The Credit Score Start service allows access to a "traffic light" with 3 color scales. Additionally, based on the company's risk, a score and a merit description are provided.

The Credit Score Start service is identified by the endpoint https://risk.openapi.com/IT-creditscore-start/{vatCode_taxCode_or_id}

REQUEST EXAMPLE
(GET /IT-creditscore-start/{vatCode_taxCode_or_id})

The request parameter can be:

  • VAT Number
  • Tax Code
  • Company ID

In the following request, we used the VAT Number: 12485671007

https://risk.openapi.com/IT-creditscore-start/12485671007


RESPONSE EXAMPLE
(GET /IT-creditscore-start/{vatCode_taxCode_or_id})

In the response, the following values are present:

  • Company Name (organization_name)
  • Request Date (requested_at)
  • Risk Score (risk_score)
  • Tax Code (tax)
  • VAT Number (vat)
  • Request ID (id)
  • Company ID (company_id)
  • Request Timestamp (time_stamp)

The risk score is identified by 3 colors:

  • red
  • yellow
  • green

 In some cases, a grey colour may be returned to indicate ND cases such as terminated companies.

The data provided in the response is for illustrative purposes only.

{
  "data": {
    "company_id": "60d1bfc731177b0a092cdfc1",
    "organization_name": "XXXXXXXXXXX",
    "requested_at": "2024-03-26T10:53:56.299688Z",
    "risk_score": "VERDE",
    "tax": "12XXXXXXXX7",
    "vat": "12XXXXXXXX7",
    "time_stamp": 1622452306,    
    "id": "6602a94464cff7864a032475"
   },
  "success": true,
  "message": "",
  "error": null
  }

 

The Company ID (company_id), available in the response, is a useful parameter for making requests to Company API endpoints such as Start, Advanced, PEC.

2. CREDIT SCORE IT ADVANCED

The Credit Scoring Advanced service, in addition to the data present in the Start, includes the commercial credit limit and a comparison with the sector average.

The Commercial Credit Limit is calculated based on the company's legal form:

  • For Capital Companies: it is based on the Rating and a series of other variables, such as the sector, size, assets attributable to the company, tangible assets, historical purchase data, etc.
  • For Personal Companies and Sole Proprietorships: the algorithm is based on the dimensional estimate of the company, chamber and negativity databases, and a series of variables such as sector, economic categorization, date of establishment, number of employees, any debts, the company's real estate, corporate productivity, business transactions, etc.

REQUEST EXAMPLE
(GET /IT-creditscore-advanced/{vatCode_taxCode_or_id})

The request parameter can be:

  • VAT Number
  • Tax code
  • Id company

In the following request, we used the VAT Number: 12485671007

https://risk.openapi.com/IT-creditscore-advanced/12485671007


RESPONSE EXAMPLE
(GET /IT-creditscore-advanced/{vatCode_taxCode_or_id})

In the response, the following values are present:

  • Company Name (organization_name)
  • Request Date (requested_at)
  • Risk Score (risk_score)
  • Description of Risk Score (risk_score_description)
  • Maximum Credit Receivable from a Financial Institution (operational_credit_limit)
  • Risk Severity (risk severity)
  • Tax Code (tax)
  • VAT Number (vat)
  • Request ID (id)
  • Company ID (company_id)
  • Request Timestamp (time_stamp)

The risk score for this endpoint is identified by 7 colors:

  • dark red
  • bright red
  • red
  • yellow
  • green
  • light green
  • dark green

Again, the grey colour indicating ND cases such as terminated enterprises may be returned.

The data provided in the response is for illustrative purposes only:

{
  "data": {
    "company_id": "60d1bfc731177b0a092cdfc1",    
    "operational_credit_limit": "82000",
    "organization_name": "XXXXXXXX",
    "rating": "A2",
    "requested_at": "2024-03-26T10:53:56.299688Z",
    "risk_score": "VERDE",
    "risk_score_description": "inferiore alla media",
    "risk_severity": "30",
    "tax": "12XXXXXXXX7",
    "vat": "12XXXXXXXX7",
    "time_stamp": 1622452306,    
    "id": "6602a94464cff7864a032475"
   },
  "success": true,
  "message": "",
  "error": null
  }


3. CREDIT SCORE IT TOP

The Credit Score TOP service, in addition to the previous data (Rating, Credit Limit, and Risk Score), provides profiles, analysis of the indices of the individual elements that contributed to the creation of the credit score and commercial credit limit with relative evaluation. For each parameter, in addition to a total rating per item on a 1-5 scale (which takes into account other internal parameters), the following is provided:

  • Value of the single item
  • Quintile in the Sector and Population
  • Difference from the previous year

REQUEST EXAMPLE
(GET /IT-creditscore-top/{vatCode_taxCode_or_id})

The request parameter can be:

  • VAT Number
  • Tax Code
  • Company ID

In the following request, we used the VAT Number: 12485671007

https://risk.openapi.com/IT-creditscore-top/12485671007


RESPONSE EXAMPLE
(GET /IT-creditscore-top/{vatCode_taxCode_or_id})

In the response, the following values are present:

  • Company Name (organization_name)
  • Request Date (requested_at)
  • Risk Score (risk_score)
  • Description of Risk Score (risk_score_description)
  • Maximum Credit Receivable from a Financial Institution (operational_credit_limit)
  • Risk Severity (risk severity)
  • Tax Code (tax)
  • VAT Number (vat)
  • Historical data on credit limits and risk scores
  • Last balance year
  • Evaluations, descriptions, and trends of the company under economic, asset, and financial profiles in a synthetic manner
  • Analysis of individual indices of economic, asset, and financial profiles in a synthetic manner
  • Request ID (id)
  • Company ID (company_id)
  • Request Timestamp (time_stamp)

Again, the risk score for this endpoint is identified by 8 colors: dark red, bright red, red, yellow, gray, green, light green, dark green.

The data provided in the response is for illustrative purposes only:

{
  "data": {
    "company_id": "60d1bfc731177b0a092cdfc1",
    "operational_credit_limit": 82000,
    "rating": "B1",
    "risk_score": "VERDE",
    "risk_score_description": "inferiore alla media",
    "history": {
      "note": {
        "description": "Durante questo periodo non sono emersi elementi rilevanti di modifica della valutazione: l'azienda mantiene una valutazione complessivamente invariata.",
        "events": []
      },
      "operational_credit_limit": [
        {
          "month": "2023-06",
          "value": 82000
        },
        {
          "month": "2023-07",
          "value": 82000
        },
        {
          "month": "2023-08",
          "value": 82000
        },
        {
          "month": "2023-09",
          "value": 82000
        },
        {
          "month": "2023-10",
          "value": 82000
        },
        {
          "month": "2023-11",
          "value": 82000
        },
        {
          "month": "2023-12",
          "value": 82000
        },
        {
          "month": "2024-01",
          "value": 82000
        },
        {
          "month": "2024-02",
          "value": 82000
        },
        {
          "month": "2024-03",
          "value": 82000
        },
        {
          "month": "2024-04",
          "value": 82000
        },
        {
          "month": "2024-05",
          "value": 82000
        }
      ],
      "public_rating": [
        {
          "balance_year": "2022",
          "month": "2023-06",
          "rating": "B1"
        },
        {
          "balance_year": "2022",
          "month": "2023-07",
          "rating": "B1"
        },
        {
          "balance_year": "2022",
          "month": "2023-08",
          "rating": "B1"
        },
        {
          "balance_year": "2022",
          "month": "2023-09",
          "rating": "B1"
        },
        {
          "balance_year": "2022",
          "month": "2023-10",
          "rating": "B1"
        },
        {
          "balance_year": "2022",
          "month": "2023-11",
          "rating": "B1"
        },
        {
          "balance_year": "2022",
          "month": "2023-12",
          "rating": "B1"
        },
        {
          "balance_year": "2022",
          "month": "2024-01",
          "rating": "B1"
        },
        {
          "balance_year": "2022",
          "month": "2024-02",
          "rating": "B1"
        },
        {
          "balance_year": "2022",
          "month": "2024-03",
          "rating": "B1"
        },
        {
          "balance_year": "2022",
          "month": "2024-04",
          "rating": "B1"
        },
        {
          "balance_year": "2022",
          "month": "2024-05",
          "rating": "B1"
        }
      ],
      "risk_score": [
        {
          "description": "inferiore alla media",
          "month": "2023-06",
          "score": "VERDE"
        },
        {
          "description": "inferiore alla media",
          "month": "2023-07",
          "score": "VERDE"
        },
        {
          "description": "inferiore alla media",
          "month": "2023-08",
          "score": "VERDE"
        },
        {
          "description": "inferiore alla media",
          "month": "2023-09",
          "score": "VERDE"
        },
        {
          "description": "inferiore alla media",
          "month": "2023-10",
          "score": "VERDE"
        },
        {
          "description": "inferiore alla media",
          "month": "2023-11",
          "score": "VERDE"
        },
        {
          "description": "inferiore alla media",
          "month": "2023-12",
          "score": "VERDE"
        },
        {
          "description": "inferiore alla media",
          "month": "2024-01",
          "score": "VERDE"
        },
        {
          "description": "inferiore alla media",
          "month": "2024-02",
          "score": "VERDE"
        },
        {
          "description": "inferiore alla media",
          "month": "2024-03",
          "score": "VERDE"
        },
        {
          "description": "inferiore alla media",
          "month": "2024-04",
          "score": "VERDE"
        },
        {
          "description": "inferiore alla media",
          "month": "2024-05",
          "score": "VERDE"
        }
      ]
    },
    "last_balance_year": "2022",
    "note": null,
    "organization_name": "OPENAPI S.P.A.",
    "positions": {
      "anticipay_main_industry": "Informatica: software,  consulenza e servizi",
      "positions": [
        {
          "anticipay_industry_index": "A5007",
          "anticipay_industry_index_profile": "Equilibrio Patrimoniale",
          "anticipay_industry_position": "Q3",
          "anticipay_industry_position_description": "Indice di capitalizzazione",
          "anticipay_industry_position_last_year_trend": -4.251,
          "anticipay_industry_position_total": "Q3",
          "anticipay_industry_position_type": "IND",
          "value": 33.036
        },
        {
          "anticipay_industry_index": "A5049",
          "anticipay_industry_index_profile": "Equilibrio Patrimoniale",
          "anticipay_industry_position": "Q3",
          "anticipay_industry_position_description": "Patrimonio netto rettificato tangibile / Capitale investito",
          "anticipay_industry_position_last_year_trend": 14.612,
          "anticipay_industry_position_total": "Q3",
          "anticipay_industry_position_type": "IND",
          "value": 16.812
        },
        {
          "anticipay_industry_index": "A5026",
          "anticipay_industry_index_profile": "Equilibrio Patrimoniale",
          "anticipay_industry_position": "Q2",
          "anticipay_industry_position_description": "Copertura globale delle immobilizzazioni",
          "anticipay_industry_position_last_year_trend": -0.518,
          "anticipay_industry_position_total": "Q3",
          "anticipay_industry_position_type": "IND",
          "value": 1.817
        },
        {
          "anticipay_industry_index": "A5006",
          "anticipay_industry_index_profile": "Equilibrio Patrimoniale",
          "anticipay_industry_position": "Q3",
          "anticipay_industry_position_description": "Autocopertura delle immobilizzazioni",
          "anticipay_industry_position_last_year_trend": -0.383,
          "anticipay_industry_position_total": "Q3",
          "anticipay_industry_position_type": "IND",
          "value": 1.54
        },
        {
          "anticipay_industry_index": "A5004",
          "anticipay_industry_index_profile": "Equilibrio Finanziario",
          "anticipay_industry_position": "Q2",
          "anticipay_industry_position_description": "Liquidità corrente",
          "anticipay_industry_position_last_year_trend": -0.186,
          "anticipay_industry_position_total": "Q2",
          "anticipay_industry_position_type": "IND",
          "value": 1.287
        },
        {
          "anticipay_industry_index": "A5005",
          "anticipay_industry_index_profile": "Equilibrio Finanziario",
          "anticipay_industry_position": "Q2",
          "anticipay_industry_position_description": "Liquidità secca",
          "anticipay_industry_position_last_year_trend": -0.186,
          "anticipay_industry_position_total": "Q3",
          "anticipay_industry_position_type": "IND",
          "value": 1.287
        },
        {
          "anticipay_industry_index": "A5012",
          "anticipay_industry_index_profile": "Equilibrio Economico",
          "anticipay_industry_position": "Q4",
          "anticipay_industry_position_description": "Redditività del capitale investito (ROI)",
          "anticipay_industry_position_last_year_trend": -27.357,
          "anticipay_industry_position_total": "Q5",
          "anticipay_industry_position_type": "IND",
          "value": 17.82
        },
        {
          "anticipay_industry_index": "A5011",
          "anticipay_industry_index_profile": "Equilibrio Economico",
          "anticipay_industry_position": "Q3",
          "anticipay_industry_position_description": "Redditività operativa delle vendite (ROS)",
          "anticipay_industry_position_last_year_trend": -8.894,
          "anticipay_industry_position_total": "Q3",
          "anticipay_industry_position_type": "IND",
          "value": 6.495
        },
        {
          "anticipay_industry_index": "A5009",
          "anticipay_industry_index_profile": "Equilibrio Economico",
          "anticipay_industry_position": "Q3",
          "anticipay_industry_position_description": "Redditività netta delle vendite",
          "anticipay_industry_position_last_year_trend": -6.488,
          "anticipay_industry_position_total": "Q3",
          "anticipay_industry_position_type": "IND",
          "value": 4.092
        },
        {
          "anticipay_industry_index": "A5020",
          "anticipay_industry_index_profile": "Equilibrio Economico",
          "anticipay_industry_position": "Q3",
          "anticipay_industry_position_description": "Indice di autofinanziamento",
          "anticipay_industry_position_last_year_trend": -6.176,
          "anticipay_industry_position_total": "Q3",
          "anticipay_industry_position_type": "IND",
          "value": 5.128
        },
        {
          "anticipay_industry_index": "A5030",
          "anticipay_industry_index_profile": "Sostenibilità del debito",
          "anticipay_industry_position": "Q4",
          "anticipay_industry_position_description": "Autofinanziamento / Debiti Totali",
          "anticipay_industry_position_last_year_trend": -36.378,
          "anticipay_industry_position_total": "Q4",
          "anticipay_industry_position_type": "IND",
          "value": 23.81
        },
        {
          "anticipay_industry_index": "A5014",
          "anticipay_industry_index_profile": "Sostenibilità del debito",
          "anticipay_industry_position": "Q3",
          "anticipay_industry_position_description": "Oneri finanziari netti / Risultato Operativo Lordo",
          "anticipay_industry_position_last_year_trend": 0.605,
          "anticipay_industry_position_total": "Q3",
          "anticipay_industry_position_type": "IND",
          "value": 0.798
        },
        {
          "anticipay_industry_index": "A5042",
          "anticipay_industry_index_profile": "Sostenibilità del debito",
          "anticipay_industry_position": "Q3",
          "anticipay_industry_position_description": "Debiti Totali/EBITDA",
          "anticipay_industry_position_last_year_trend": 1.694,
          "anticipay_industry_position_total": "Q3",
          "anticipay_industry_position_type": "IND",
          "value": 2.86
        },
        {
          "anticipay_industry_index": "A5034",
          "anticipay_industry_index_profile": "Sviluppo - Trend",
          "anticipay_industry_position": "Q2",
          "anticipay_industry_position_description": "Variazione % fatturato",
          "anticipay_industry_position_last_year_trend": -12.758,
          "anticipay_industry_position_total": "Q2",
          "anticipay_industry_position_type": "IND",
          "value": -8.281
        },
        {
          "anticipay_industry_index": "A5051",
          "anticipay_industry_index_profile": "Sviluppo - Trend",
          "anticipay_industry_position": "Q1",
          "anticipay_industry_position_description": "Variazione % ROL",
          "anticipay_industry_position_last_year_trend": -165.272,
          "anticipay_industry_position_total": "Q1",
          "anticipay_industry_position_type": "IND",
          "value": -54.384
        },
        {
          "anticipay_industry_index": "A5052",
          "anticipay_industry_index_profile": "Sviluppo - Trend",
          "anticipay_industry_position": "Q2",
          "anticipay_industry_position_description": "Variazione % Risultato d'esercizio",
          "anticipay_industry_position_last_year_trend": -240.247,
          "anticipay_industry_position_total": "Q2",
          "anticipay_industry_position_type": "IND",
          "value": -64.529
        },
        {
          "anticipay_industry_index": "A5053",
          "anticipay_industry_index_profile": "Sviluppo - Trend",
          "anticipay_industry_position": "Q2",
          "anticipay_industry_position_description": "Variazione ROL / Fatturato",
          "anticipay_industry_position_last_year_trend": -16.986,
          "anticipay_industry_position_total": "Q2",
          "anticipay_industry_position_type": "IND",
          "value": -8.477
        },
        {
          "anticipay_industry_index": "A5054",
          "anticipay_industry_index_profile": "Sviluppo - Trend",
          "anticipay_industry_position": "Q2",
          "anticipay_industry_position_description": "Variazione RN / Fatturato",
          "anticipay_industry_position_last_year_trend": -13.059,
          "anticipay_industry_position_total": "Q2",
          "anticipay_industry_position_type": "IND",
          "value": -6.488
        }
      ],
      "year": "2022"
    },
    "profiles": {
      "anticipay_main_industry": "Informatica: software,  consulenza e servizi",
      "positions_count": 28483,
      "profiles": [
        {
          "name": "Equilibrio Patrimoniale",
          "note": null,
          "score": 4,
          "score_description": "positiva",
          "trend": "in lieve miglioramento"
        },
        {
          "name": "Equilibrio Finanziario",
          "note": null,
          "score": 2,
          "score_description": "aspetti di criticità",
          "trend": "stabile"
        },
        {
          "name": "Equilibrio Economico",
          "note": null,
          "score": 4,
          "score_description": "positiva",
          "trend": "stabile"
        },
        {
          "name": "Sostenibilità del debito",
          "note": null,
          "score": 3,
          "score_description": "nella media",
          "trend": "in peggioramento"
        },
        {
          "name": "Sviluppo - Trend",
          "note": null,
          "score": 1,
          "score_description": "negativa",
          "trend": "in grave peggioramento"
        }
      ],
      "year": "2022"
    },
    "time_stamp": 1716477918,
    "id": "664f5fde0d2e86930d04b133"
  },
  "success": true,
  "message": "",
  "error": null
}

 
The Credit Scoring service is ideal for any company that needs to assess the credit risk of its customers or partners, such as  credit institutions, fintech, e-commerce companies (especially those offering payment systems) or companies offering Telco, Leasing, real estate services.

Our prices

Price list for single API calls

  • Credit Scoring Start € 0,19 + vat
  • Credit Scoring Advanced € 0,51 + vat
  • Credit Scoring Top € 1,10 + vat

Subscribe and save

  • CREDIT SCORE START
  • 5000 API requests / year - 0,16€ per call (pay annually) € 0,16 + vat
  • 20.000 API requests / year - 0,13€ per call (pay annually) € 0,13 + vat
  • 60.000 API requests / year - 0,10€ per call (pay annually) € 0,10 + vat
  • 100.000 API requests / year - 0,08€ per call (pay annually) € 0,08 + vat
  • 500.000 API requests / year - 0,06€ per call (pay annually) € 0,06 + vat
  • CREDIT SCORE ADVANCED
  • 1.000 API requests / year - 0,47€ per call (pay annually) € 0,47 + vat
  • 5.000 API requests / year - 0,43€ per call (pay annually) € 0,43 + vat
  • 20.000 API requests / year - 0,36€ per call (pay annually) € 0,36 + vat
  • 50.000 API requests / year - 0,30€ per call (pay annually) € 0,30 + vat
  • 150.000 API requests / year - 0,21€ per call (pay annually) € 0,21 + vat
  • 500.000 API requests / year - 0,15€ per call (pay annually) € 0,15 + vat
  • CREDIT SCORE TOP
  • 1.000 API requests (pay annually) € 0,99 + vat
  • 5.000 API requests (pay annually) € 0,96 + vat
  • 20.000 API requests (pay annually) € 0,90 + vat
  • 50.000 API requests (pay annually) € 0,72 + vat
  • 150.000 API requests (pay annually) € 0,60 + vat
  • 500.000 API requests (pay annually) € 0,42 + vat