|
Solvency evaluation levels in scoring |
Description |
|
|
АA |
Excellent solvency |
Outstanding ability to settle the liabilities, excellent profitability, financial stability and flexibility, exceptional resistance against negative factors from the business environment, exceptional business growth; cooperation with enterprise is recommended |
|
BB+ |
Very good solvency |
Very satisfied ability to settle the liabilities, very high profitability and financial stability, liquidity and safety in business with very satisfied financial flexibility and less resistance against negative factors from the business environment; cooperation with enterprise is considered |
|
BB |
||
|
BB- |
||
|
CC+ |
Good solvency |
Satisfied ability to settle the liabilities with less profitability level, reduced financial flexibility and resistance against negative factors from the business environment, equity structure enables protection from indebtedness; cooperation with enterprise is acceptable |
|
CC |
||
|
CC- |
||
|
DD+ |
Acceptable solvency |
Weaker ability to settle the liabilities as the result of low profitability and significant financial misbalanced with weak equity structure which does not enables protection from indebtedness; cooperation with enterprise depends on confidence to the enterprise |
|
DD |
||
|
DD- |
||
|
ЕE |
Very weak solvency |
Very weak ability to settle the liabilities as the result of non-profitability and very unsuitable equity structure; cooperation with enterprise is not recommended |
|
Status symbols in scoring |
Description |
|
|
Ps |
Bankruptcy proceeding instituted |
Enterprises which are in bankruptcy proceeding |
|
Pl |
Liquidation proceeding instituted |
Enterprises which are in liquidation proceeding |
|
Tn |
Permanent non-liquidity |
Enterprises which have more than 180 non-liquidity days during the last year and which are non-liquid on the day of scoring issuing |
|
Psp |
Status change |
Enterprises which had status change during the last three years |
|
N |
Newly founded enterprise |
Enterprises which were founded during the last three years |
|
Mp |
No data |
Enterprises which did not submit financial statement or they submitted a statement of inactivity during the past three years |
|
Md |
Lack of sufficient data |
Enterprises which have insufficient data relevant for solvency evaluation |