Easy Credit Notation

The Easy Crédit Notation is a company scoring tool for assigning a credit rating to each of its clients. It is based on 9 complementary criteria configurable by the user.

The tool provides a score out of 10 and a risk category:

• A : Strong account (very low risk).
• B : Stable account (low risk).
• C : Weak account (medium / high risk).
• D : Default account (very high risk).

The score obtained allows to:

• Guide commercial negotiations to mitigate credit risk.
• Take it into account as a criteria of the credit limit set up.
• Adjust its debt collection strategy which will be more aggressive if the risk is high.

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Easy credit notation criteria Set up your own criterion

Company legal form	Age of the company	Payment history
New companyLegal entities limited by capitalPartnership/Sole proprietor ownerCorporation, PrivateCorporation, State-owned	New company1 - 2 years2 - 4 years5 - 6 years7 - 8 years9 - 10 years> 10 years	> 30 days late, or new open credit20 - 30 days late10 - 20 days late7 - 10 days late< 7 days latePayments on timePrepayment/taking cash discount
DSO	Sales force input	Order trends
> 120 days91 - 120 days61 - 90 days31 - 60 days10 - 30 days< 10 daysPrepayment	No informationPoorMediumGood	No informationDeclining stronglyDecliningStagnatingStable, some growthGrowingGrowing strongly
Coface country rating	Age of business relation	Financials
D: Very high riskC: High riskB: Significant riskA4: Quite acceptable riskA3: Acceptable riskA2: Low riskA1: Very low risk	New customer>= 2 years2 - 4 years5 - 6 years7 - 8 years9 - 10 years> 10 years	Very poorPoorMediumFairly goodGoodVery good

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