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

Company legal form		Age of the company		Payment history
New company Legal entities limited by capital Partnership/Sole proprietor owner Corporation, Private Corporation, State-owned		New company 1 - 2 years 2 - 4 years 5 - 6 years 7 - 8 years 9 - 10 years > 10 years		> 30 days late, or new open credit 20 - 30 days late 10 - 20 days late 7 - 10 days late < 7 days late Payments on time Prepayment/taking cash discount
DSO		Sales force input		Order trends
> 120 days 91 - 120 days 61 - 90 days 31 - 60 days 10 - 30 days < 10 days Prepayment		No information Poor Medium Good		No information Declining strongly Declining Stagnating Stable, some growth Growing Growing strongly
Coface country rating		Age of business relation		Financials
D: Very high risk C: High risk B: Significant risk A4: Quite acceptable risk A3: Acceptable risk A2: Low risk A1: Very low risk		New customer >= 2 years 2 - 4 years 5 - 6 years 7 - 8 years 9 - 10 years > 10 years		Very poor Poor Medium Fairly good Good Very good

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