> Business Information

Exploiting Opportunity, Minimizing Risk

> Company information > Solvency reports > Payment experiences > Analyses

Exclusive info rmation made to measure Creditreform’s business information is designed to optimally support to your daily business demands. Our true-to-size information solutions oriented towards your customers’ life cycles were designed specifically with your unique business requirements in mind.

Acquisition Analysis of potential, identification and initial picture of business partner • Address qualification • Interdependency information • Market analyses (industries and regions) • Short business report

New customer management Initial review, business partner creation • Company information • Company solvency assessment • Balance sheet analyses • External rating • Consumer solvency assessment

Existing customer management Monitoring – solvency monitoring • Monitoring • Business partner analysis • German Debtor Register

Handling & processing Reassessment after major changes • Balance sheet analyses • Consumer solvency assessment • German Debtor Register

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Time

Customer value over life cycle Business risk

Unparalleled data quality With Creditreform’s information solutions based on a wide range of reliable and up-to-date sources, our rigorous plausibility checks and comprehensive quality assurance processes ensure maximum information depth, accuracy and informative value. Public registers

Exclusive Creditreform sources

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• Over 4.5m debt collection procedures p.a. • 6.5bn ongoing debt collection procedures • 1m balance sheet analyses p.a.

600.000 , commercial register entries 1.5m list of debtors entries 23,000 insolvencies p.a. Approx. 79,030 private insolvencies Validation and

evaluation

Creditreform business information Validation and evaluation • Over 1m balance sheets and financial reports p.a. • 98m payment experiences p.a. • 450,000 written supplier inquiries p.a.

• 200,000 balance sheet-related researches p.a. • Web crawler and manual Internet research • Evaluation of press and ad-hoc reports

Corporate sources

Ongoing research Figures rounded

> A passion for quality and currency While information can be found at every street corner, can you really rely on it? With Creditreform, you can not only be sure of high quality, up to date business information but, given its prior verification by experts, enjoy a true information advantage and maximum decision-making confidence!

Border-free decision support for your business deal Different businesses entail different risks. Creditreform’s company solvency analyses – such as our commercial report offering – give you a wealth of sound information to assist your business decision making. Furthermore, our company information products ensure the quality and completeness of your master data when they are input into our systems. You benefit from Creditreform’s tightly woven information network when choosing business contacts. Selected partners and 167 branches in over 23 countries conduct local research, securing our high quality standards around the globe.

high medium low very low Info

Our signal services guarantee basic monitoring of your business partners and you’ll be sent an alert if your customers’ and suppliers’ solvency or master data change. You also gain access to valuable tips about your existing customers’ liquidity situation via our payment experience pool Debitorenregister Deutschland.

Creditreform business information national

international

Premium Report

Company dossier with analyses, payment experience (DRD), balance sheet rating, solvency index and 12 month’ monitoring

Commercial Report Detailed commercial information, solvency index and 12 month’ monitoring

Compact Report Compressed commercial report and solvency index

Brief Report

Identification, basis information and solvency in 6 classes

Traffic light Report

Commercial Report International Detailed commercial information, solvency index

Compact Report International Compressed commercial report and solvency in 5 classes

Brief Report International Identification, basis information andsolvency in 3 classes

Identification and solvency in 3 classes

Company Reports

Modular structure: Depth of content corresponds to degree of risks

Monitoring

very high

With your customer relationships and associated disks in a constant flux, Creditreform’s monitoring services address these market dynamics by continually updating you on changes in your business partners’ solvency.

Company Report Compact International

Signal Services

Risk

Ongoing risk monitoring underpin confidence in existing customer relationships

Spot-on ratings of businesses in Germany with the Creditreform Solvency Index Credit worthiness Solvency Index 2.0

best value

worst value

PD

The Solvency Index2.0 211 means “good credit worthiness”.

The PD (Probability of Default) shows the probability that a debtor defaults within one year according to Basel II-criteria. Applied to Creditreform the Solvency Index 500 and 600 is considered as default. The PD for this solvency amounts to 0.32 %. The average in Germany amounts to 1.56 % (updated: March 2016).

Depiction of the Creditreform Solvency Index in the commercial report

Further information solutions – made to measure Market analyses Find out more about industry structures before implementing planned market debuts/market penetrations, and manage risks and potentials for your business’s strategic alignment. Interdependency information The transparent presentation of shareholding situations reveals new business potential and latent risks, and helps you fulfil your compliance duties. Business partner analyses Detailed reviews of hidden risks in your customer portfolio offer strategic decision-making support for your risk management.

Solvency-relevant assessment factors

Assessment

Liquidity, asset and profitability situation • Capital/sales • Sales/employee • Company development • Order book • ... Structural risks • Legal form • Number of staff • ... Mode of payment • Supplier information • Payment experiences

Qualitative und quantitative Analyse

The Creditreform Solvency Index is the heart of our company solvency products. It measures the likelihood with which business partners could default on their debts. Ergonomically presented, it takes account of a wealth of differently weighted corporate characteristics, focusing on the company’s business performance as well as its mode of payment. German Debtor Register analyses assure an exceptionally high level of information quality.

Solvency Index classes

Interpretation

100 - 149

Excellent solvency

150 - 199

Very good solvency

200 - 249

Good solvency

250 - 299

Medium solvency

300 - 349

Poor solvency

350 - 499

Very poor solvency

Credit assessment

500

Massive payment default

Industry risk

600

Hard negative characte ristics

Balance sheet analyses Meaningful balance sheet KPIs give you detailed insight into your business partner’s financial situation. WB-Info WB-Info assists you in the area of compliance in identifying beneficial owners (BO) – simply and in an auditing-conformant manner. CrefoZert Creditreform’s solvency certificate helps you actively communicate your excellent creditworthiness, thereby strengthening your negotiating position and creating new marketing and PR possibilities.

Overview of Creditreform’s corporate business information Check

Analysis Ratings Balance sheet analyses

WB-Info Company information

Debtors Register

Interdependency information

Company solvency Balance sheet reference analysis

Regional check

Business partner analysis

Industry check

Industry analysis

Information content

Individual company focus

Portfolio / market

Company

Information

B2C business certainty The rising number of individuals in Germany living beyond their means is making it increasingly difficult to make consumer business decisions. Our consumer report portfolio gives you the certainty you need. Also, when you submit your own payment experiences to our data pool, you receive the corresponding evaluations of your customers’ payment behavior at other suppliers in return – just what you need for a more sophisticated assessment of your clients.

The path to sound knowledge For every business situation, Creditreform has the optimum interface and application:

• Using CrefoDirect and www.creditreform.de of• • •

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fers independent, browser based access to our business information. Mobile access is possible with our app Crefo Mobile Retrieved information can be conveniently displayed in a structured and historicized format in the CrefoScore Windows application. The integrated credit management system solutions, CrefoSprint for SAP and CrefoDynamics for Microsoft, can be integrated directly into your business processes. With CrefoSystem, an integrated cloud solution, individual as well as complex processes are represented. Information is also available through traditional channels such as phone, fax or letter.

Everything speaks in Creditreform’s favor > Dependable solvency assessment The Creditreform Solvency Index is Germany’s leading gauge for corporate assessment. Statistically balanced, it incorporates a broad spectrum of pertinent data to offer you best possible decision making support.

> Maximum quality and currency Creditreform employs stringent quality standards in its data processing and analyses. Hot-off-the-press news, such as corporate communications and payment experiences, are incorporated at short notice to maximize relevance for your business.

> Dependability for border-free success With our worldwide country coverage, you can rely on Creditreform’s uniform commercial information not only nationally, but internationally as well.

> Needs based solutions Creditreform’s made-to-measure solutions address your unique business situation and risks. Our experts would be happy to advise you.

> Data-protection compliant Safety and protection of data entrusted to us is a #1 priority!

> Consulting and seminars To help you optimize your risk management, Creditreform’s support can take the form of problem analyses, one-on-one consulting as well as professional seminars.