Risk Assessment

Risk Assessment
Our 18 years of experience has given us a deep understanding of the kinds of dangers that could have an impact on your business.
SPARK identifies the risks, helping you to be confident in your decisions. We make it easier to identify and avoid potential shell companies and businesses with worrying financial results or poor payment discipline.
Due Diligence Index * is a value between 1 and 99, where a higher value reflects greater likelihood that the company was created not for statutory purposes but as a "transaction unit" without any significant own assets and transactions or is an "abandoned" asset.
The Financial Risk Index* assesses the financial health of a business. It is based on a combination of key financial indicators, including liquidity, capital and solvency.
FRI is not a credit rating in the sense of Council Regulation (EU) 2022/428, Council Regulation (EU) No 833/2014, Council Regulation (EC) No 1060/2009, as long as FRI does not express an opinion of the creditworthiness of an entity. FRI is a credit scoring calculated with the use of a mathematical model based only on open statistical data without human intervention that does not involve approval, assignment and revision procedures.
Payment Discipline Index * (Paydex) is a value between 0 and 100, where a lower value indicates a high risk of late payments. The index of payment discipline is calculated automatically on the basis of data on company payments received from the "Monitoring of payments" program participants, which can not guarantee coverage of all company payments.
SPARK highlights other potential risk factors, such as incorrect addresses, directors who hold positions in multiple legal entities, pending legal actions or enforcement proceedings, tax debts and inclusion in relevant official registers.