s-peek - Credit Report

Credit Scoring, commercial credit limit and financial information, instantly.

s-peek is a free and easy-to-use app helping companies and freelancers to understand the financial health of any company in Europe. s-peek is developed by modeFinance-

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If you are wondering whether a company is going well or bad? Is big or small? Is profitable or not? What is its credit score class? How much credit limit has been assigned? Can it be a reliable client?

s-peek let's you assess these information, on more than 25 million companies in Europe.

You will be able to:
- discover the credit score and commercial credit limit;
- check out the most important financial data;
- download business information as a PDF (via web app);
- receive updates on purchased reports;
And more!

**Winner of the GranPrix CheBanca award - Best Fintech Company**

s-peek gives you immediate access to credit scoring, commercial credit limit and financial information of any European company.

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The evaluations in s-peek are expressed using all available public information about the company, such as company details, financial statements, industry sector concerned, exc.

The credit scores and the commercial credit limit available within the application are evaluated through the innovative MORE methodology, which studies the company as a complex system and deepens the analysis of its different areas: solvency, debt coverage, liquidity, cash cycle, profitability, fixed assets coverage ratio, comparison with the sector concerned, and so on.

The Multi Objective Rating Evaluation is developed and owned by modeFinance.

The three-colours scale system (Green, Yellow, Red) is intuitive and simple: any colour represents a risk category, according to the last available annual financial statement.

Green: AAA, AA, A, BBB
Yellow: BB, B
Red: CCC, CC, C, D
Grey: rating not assessable due to the lack of some financial data.

You can also deepen the investigation by choosing between two types of reports:

FLASH reports: include basic information such as credit score of the last three years, commercial credit limit, company's risk analysis per macro areas (solvency, liquidity, profitability), sectorial comparison.

Extended12M reports: include further information such as turnover, profits (or losses) of the current financial year, total assets, shareholders' equity. This report includes corporate registration information (address, phone, sector, etc.), too.

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Please note that the measure of creditworthiness included in s-peek is not a "credit rating" as defined in accordance with the EU Regulation N. 1060/2009.