Credit Risk Score for Companies & Businesses in Australia

Most predictive risk score in the market

Make smarter decisions about who you do business with

RiskScore indicates a business’ creditworthiness and predicts its likelihood of default in the next 12 months, utilising sophisticated machine learning technology and multiple subsets of unique data.

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Unique B2B payment data

How does RiskScore work?

RiskScore uses three categories of data to assess the risk level of a business:

Tradeline behavioural data: CreditorWatch’s 55,000+ customers deliver more than 11 million monthly trade lines from businesses of all sizes and industries. This unique transaction data includes both positive and negative payment behaviour from corporate ATB uploads and SME payment data from Xero and MYOB.
Business demographic risk data: This includes geographic risk clusters that capture risk of a certain location and factors such as business maturity, entity type, industry and tax status. Natural language processing is applied to business names to classify high-risk business types.
Traditional credit risk drivers, including ATO tax debt defaults, court judgments, bankruptcies and insolvencies.

Unique
Customer Data

Accurate
Credit Ratings

Simple and accurate credit ratings

Low-cost risk management for all businesses

RiskScore tells you which of your customers are most likely to default in the next 12 months. Whether you’re performing a company credit check on a public company, sole trader, trust or other type of entity, RiskScore calculates a numerical credit score between 0-850. The higher the score, the lower risk the entity poses to your business.

RiskScore also ranks entities based on their riskiness with one of 14 credit ratings, from A1 to F. These ratings are categorised within eight risk levels from very low to default, so you can clearly determine the business’s creditworthiness just by glancing at a credit report.