Our prices
Price list for single API calls
- Credit Scoring Top € 1,10 + vat
Credit Scoring Top
- Home
- Business Information
- Credit Scoring Top
Evasione :
Immediate
-
starting from € 0,42 + vat
Get a company's economic status, risk score, rating and commercial credit in real time
More than 200 information with historical data on credit, rating, risk score and with economic, income, equity and financial profiles and indexes of Italian companies
The Credit Scoring TOP service provides access to more than 200 pieces of information to verify in real time the creditworthiness and equity, financial, economic soundness of a given Italian company.
Credit Scoring TOP includes all the information already present in the Start and TOP service (except for the risk severity), and expands the information with profiles and index analysis of the individual elements that contributed to the creation of the credit score and the commercial credit line with relative evaluation.
EXAMPLE REQUEST
(GET /IT-creditscore-top/{vatCode_taxCode_or_id})
To make a request for the Credit Score TOP service, one of the following parameters is required:
- VAT number
- Tax Code
- Company Id
In the following request we have used the VAT number 12485671007 as a parameter.
https://risk.openapi.com/IT-creditscore-top/12485671007EXAMPLE RESPONSE
(GET /IT-creditscore-top/{vatCode_taxCode_or_id})
The response includes over 200 pieces of information, with historical data and trends over the last 12 months:
- Company name (organisation_name)
- Date of request (requested_at)
- Risk score (risk_score)
- Risk score description (risk_score_description)
- The maximum amount of credit receivable from a financial institution (operational_credit_limit)
- Risk severity
- Tax code (tax)
- VAT number (vat)
- Credit history and risk score
- Last balance date
- Application identifier (id)
- Company identifier (company_id)
- Request timestamp (time_stamp)
Also for this service - as for Credit Score Advanced - the risk score is identified by 7 colours: dark red, bright red, red, yellow, green, light green, dark green.
In addition to this data, as anticipated, are available:
- the profile on the company's status and development, which briefly identifies the strengths and weaknesses at economic, income, equity and financial level and trends
- the detailed analysis of the individual indices that define the ratings in the profile
The profile shows a rating (from 1 to 5), description and trend on
- asset balance
- financial balance
- economic balance
- debt sustainability
- development (trend)
In the index analysis, on the other hand, more detailed information is available on the individual items that make up the ratings in the profiles. In particular, information such as the value of the individual item, quintile in the sector and in the population (indicated by the letter Q and a number from 1 to 5, where 5 is very positive and 1 is negative), difference on the previous year, is given.
For capital balance, the following are analysed:
- Capitalisation ratio
- Adjusted tangible equity / Capital employed
- Overall coverage of fixed assets
- Self-coverage of fixed assets
For the financial balance, the following are analysed:
- Current liquidity
- Dry liquidity
For economic equilibrium, the following are analysed
- Return on capital employed (ROI)
- Operating return on sales (ROS)
- Net sales profitability
- Self-financing ratio
For sustainability are analysed:
- Self-financing / Total payables
- Net financial expenses / Gross Operating Profit
- Total Debts/EBITDA
For development, the following are analysed:
- Variation % Turnover
- Change % ROL
- Variation % Operating Profit
- Variation RN / Turnover
The data in the answer are only examples:
{
"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": {
"main_industry": "Informatica: software, consulenza e servizi",
"positions": [
{
"industry_index": "A5007",
"industry_index_profile": "Equilibrio Patrimoniale",
"industry_position": "Q3",
"industry_position_description": "Indice di capitalizzazione",
"industry_position_last_year_trend": -4.251,
"industry_position_total": "Q3",
"industry_position_type": "IND",
"value": 33.036
},
{
"industry_index": "A5049",
"industry_index_profile": "Equilibrio Patrimoniale",
"industry_position": "Q3",
"industry_position_description": "Patrimonio netto rettificato tangibile / Capitale investito",
"industry_position_last_year_trend": 14.612,
"industry_position_total": "Q3",
"industry_position_type": "IND",
"value": 16.812
},
{
"industry_index": "A5026",
"industry_index_profile": "Equilibrio Patrimoniale",
"industry_position": "Q2",
"industry_position_description": "Copertura globale delle immobilizzazioni",
"industry_position_last_year_trend": -0.518,
"industry_position_total": "Q3",
"industry_position_type": "IND",
"value": 1.817
},
{
"industry_index": "A5006",
"industry_index_profile": "Equilibrio Patrimoniale",
"industry_position": "Q3",
"industry_position_description": "Autocopertura delle immobilizzazioni",
"industry_position_last_year_trend": -0.383,
"industry_position_total": "Q3",
"industry_position_type": "IND",
"value": 1.54
},
{
"industry_index": "A5004",
"industry_index_profile": "Equilibrio Finanziario",
"industry_position": "Q2",
"industry_position_description": "Liquidità corrente",
"industry_position_last_year_trend": -0.186,
"industry_position_total": "Q2",
"industry_position_type": "IND",
"value": 1.287
},
{
"industry_index": "A5005",
"industry_index_profile": "Equilibrio Finanziario",
"industry_position": "Q2",
"industry_position_description": "Liquidità secca",
"industry_position_last_year_trend": -0.186,
"industry_position_total": "Q3",
"industry_position_type": "IND",
"value": 1.287
},
{
"industry_index": "A5012",
"industry_index_profile": "Equilibrio Economico",
"industry_position": "Q4",
"industry_position_description": "Redditività del capitale investito (ROI)",
"industry_position_last_year_trend": -27.357,
"industry_position_total": "Q5",
"industry_position_type": "IND",
"value": 17.82
},
{
"industry_index": "A5011",
"industry_index_profile": "Equilibrio Economico",
"industry_position": "Q3",
"industry_position_description": "Redditività operativa delle vendite (ROS)",
"industry_position_last_year_trend": -8.894,
"industry_position_total": "Q3",
"industry_position_type": "IND",
"value": 6.495
},
{
"industry_index": "A5009",
"industry_index_profile": "Equilibrio Economico",
"industry_position": "Q3",
"industry_position_description": "Redditività netta delle vendite",
"industry_position_last_year_trend": -6.488,
"industry_position_total": "Q3",
"industry_position_type": "IND",
"value": 4.092
},
{
"industry_index": "A5020",
"industry_index_profile": "Equilibrio Economico",
"industry_position": "Q3",
"industry_position_description": "Indice di autofinanziamento",
"industry_position_last_year_trend": -6.176,
"industry_position_total": "Q3",
"industry_position_type": "IND",
"value": 5.128
},
{
"industry_index": "A5030",
"industry_index_profile": "Sostenibilità del debito",
"industry_position": "Q4",
"industry_position_description": "Autofinanziamento / Debiti Totali",
"industry_position_last_year_trend": -36.378,
"industry_position_total": "Q4",
"industry_position_type": "IND",
"value": 23.81
},
{
"industry_index": "A5014",
"industry_index_profile": "Sostenibilità del debito",
"industry_position": "Q3",
"industry_position_description": "Oneri finanziari netti / Risultato Operativo Lordo",
"industry_position_last_year_trend": 0.605,
"industry_position_total": "Q3",
"industry_position_type": "IND",
"value": 0.798
},
{
"industry_index": "A5042",
"industry_index_profile": "Sostenibilità del debito",
"industry_position": "Q3",
"industry_position_description": "Debiti Totali/EBITDA",
"industry_position_last_year_trend": 1.694,
"industry_position_total": "Q3",
"industry_position_type": "IND",
"value": 2.86
},
{
"industry_index": "A5034",
"industry_index_profile": "Sviluppo - Trend",
"industry_position": "Q2",
"industry_position_description": "Variazione % fatturato",
"industry_position_last_year_trend": -12.758,
"industry_position_total": "Q2",
"industry_position_type": "IND",
"value": -8.281
},
{
"industry_index": "A5051",
"industry_index_profile": "Sviluppo - Trend",
"industry_position": "Q1",
"industry_position_description": "Variazione % ROL",
"industry_position_last_year_trend": -165.272,
"industry_position_total": "Q1",
"industry_position_type": "IND",
"value": -54.384
},
{
"industry_index": "A5052",
"industry_index_profile": "Sviluppo - Trend",
"industry_position": "Q2",
"industry_position_description": "Variazione % Risultato d'esercizio",
"industry_position_last_year_trend": -240.247,
"industry_position_total": "Q2",
"industry_position_type": "IND",
"value": -64.529
},
{
"industry_index": "A5053",
"industry_index_profile": "Sviluppo - Trend",
"industry_position": "Q2",
"industry_position_description": "Variazione ROL / Fatturato",
"industry_position_last_year_trend": -16.986,
"industry_position_total": "Q2",
"industry_position_type": "IND",
"value": -8.477
},
{
"industry_index": "A5054",
"industry_index_profile": "Sviluppo - Trend",
"industry_position": "Q2",
"industry_position_description": "Variazione RN / Fatturato",
"industry_position_last_year_trend": -13.059,
"industry_position_total": "Q2",
"industry_position_type": "IND",
"value": -6.488
}
],
"year": "2022"
},
"profiles": {
"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
}
Some information in credit scoring top, such as positions and profiles, may not be available for individual enterprises.
In addition to TOP, 2 other services are available for credit scoring:
- Credit Score Start to obtain only the simplified risk score (3 colours)
- Credit Score Advanced to obtain information on credit rating, risk score, credit line and risk severity
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.
Subscribe and save
- 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