Business Information & Credit Risk Services

ICAP products and services can help you turn information into insight to develop conclusive, fact-based strategies that will help you gain a competitive edge and transform your enterprise into a nimble, customer-focused, more profitable business.

ICAP is one of the very few companies in Europe, approved as “Credit Rating Agency” by the European Securities and Markets Authority. This is a very significant recognition of the methodology we use to rate the strength of the companies and their ability to meet their financial obligations. Within the scope of our core business and through the certified Rating and Scoring, we support making credit decisions for over 1 million business transactions per year.

ICAP’s Credit Risk Services supply integrated and updated commercial and financial data driven from ICAP DATABANK, the largest business database in Southeastern Europe, which includes 3 million companies in 4 countries (Romania, Greece, Bulgaria & Cyprus).

ICAP Business Information Reports & Monitoring

The Business Reports of ICAP are reliable source of information and can help you form an opinion regarding the operation, profitability and stability of a given company. They are specially designed to provide all the information you may need to reach partnership decisions, since they offer detailed data on the subject company’s commercial activity, premises, management and holdings in affiliated businesses, financial indicators and payment history as well as the proprietary ICAP Score* and proposed credit limit.

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ICAP Score expresses an estimation of a company’s credit quality with respect to the probability of default and/or bankruptcy within a one – year time horizon. This estimation is based on an analysis of commercial, financial and trading data derived from public sources.

Business Reports for Romanian, Greek, Bulgarian and Cypriot companies are available through subscription-based access to the online platform www.icapb2b.ro

Our wide variety of Business Reports help companies and lenders detect potential commercial and credit risk and better manage risk in commercial transactions and throughout the customer lifecycle.

In addition, the Monitoring Service offers continuous monitoring on an annual basis and provides early warnings for any significant events or changes that have or may have an adverse effect on the credit assessment or financial position of the companies you are trading with.

Portfolio Analysis

The Portfolio Analysis solution, available through the online platform ICAPB2B.BG, enables you to pinpoint the main areas of risk and opportunity. It leads you to a better targeting of your credit management resources and a clearer, more informed view of which credit policies are most appropriate for your business.

The Portfolio Analysis solution provides you with four types of aggregated analysis together with the ability to ‘drill through’, to view more details on individual customers, as well as an immediate access to ICAP business information reports. Historical trend charts at the portfolio level add a critical rear-view analysis of your credit policies, while the Alerts service allows you to track any changes occurring in the companies.

With the Portfolio Analysis you can:

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  • View the distribution of companiesbased on their creditworthiness, expressed through ICAP Credit Score;
  • Evaluate the risk of Non-Payment based on the data derived from the ICAP Trade Exchange program
  • Monitor your portfolio by receiving alerts for changes occurring in the companies and be informed in time when negative events occur;
  • View the distribution of companies in the portfolio based on their financial performance.

International Business Information Reports

Through ICAP’s exclusive representation of Dun&Bradstreet, the world’s leading provider of business information, you can gain access to instant information on 300 million companies in more than 190 countries.

A wide range of products and services, delivered through cutting-edge online platforms, enable you to reach the right kind of information to make informed decisions for your business abroad.

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International Business Reports

The International Business Reports provide a complete picture of the financial situation of each investigated business entity, as well as assessment of the creditworthiness and the potential risk associated with the transactions with this entity. You can choose between different types of Business Reports depending on the type and extensiveness of the information that you require.

Additionally, you can monitor the activity of companies and receive alerts about changes in the profile and the company’s operations, its creditworthiness, financial situation and business development.

 

Country Risk Report

The Country Risk Reports provide critical information to companies aiming for expansion into certain foreign countries by analyzing the current commercial, economic, political, investment environment and considering the risk involved in doing business in them.

Studies and Analysis

Today’s fast-moving market and competitive environment makes it imperative for companies to know where they stand in relation to competition, as well as the dynamics and opportunities of their sector.

ICAP’s Sector Studies comprise an in-depth analysis of the structure, developments and prospects of the various sectors of the Romanian economy.

Each year, ICAP Romania plans and carries out more than 50 Studies and Analysis in order to support and boost the activity of companies.

 

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The Client Portfolio Assessment is recommended for Sales, Marketing & Financial departments to adapt the commercial policies and to assess the potential Risk involved in the trading.

Due to our expertise in Management Consulting, Credit Risk Services & Sector Studies, we developed this instrument to compare the clients among themselves or even to compare prospects to your existing clients.

ICAP Competition Analysis identifies the position of one company versus a selected list of competitors as to deliver a structured overview on the competition. The comparison with last year’s findings provides further insight into changes of the Risk surface of each competitor.

ICAP Covid services

During this period that we have never faced before, we have thought of developing products that can help you more easily assess the risk area of your partners.

 

You have access to the new services through:

  • Adding these indicators to the classic ICAP reports
  • Accessing a new report, COVID ICAP REPORT, made up only of these indicators.

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ICAP Delinquency Score: It uses the financial analysis, negative, commercial and transactional information present in official sources.Evaluand nevoia de a avea un scoring cat mai precis si care sa evidentieze realitatea economica, ICAP Romania adapted the scoring launched in May 2019 to have a scoring as accurate as possible and to highlight the economic reality. The high sensitivity of derogatory data and the share of financial data in the scoring algorithm, led to a recalibration of the weight of factors included. It gives more weight to financial indicators than before.

 

ICAP COVID SECTOR CHECK: An assessment of all NACE codes in Romania on a scale of 1-5 of  impact due to COVID-19 crisis on each industry. The risk index has a horizon of 12 months and expresses the current appreciation regarding the effects of the blocking and suspension measures imposed on the economic activities, due to COVID-19 pandemic for each activity sector, considering the probability of recovery. The baseline scenario includes the gradual lifting of suspension / interruption measures at the end of May 2020, with the slow recovery of economic activity starting with June.

 

 

COVID COMPANY INDEX: The evaluation results are presented on a scale of values from 0 to 100, where with 0 are marked the companies that have the highest probability of default and with 100 those with the lowest probability of default. The index indicates the assessment of the adjusted creditworthiness of the companies for the next 12 months, triggered by the Covid-19 pandemic and by the effects of the blocking and suspension measures imposed on the economic activity for each evaluated company. It combines existing creditworthiness assessments of companies through ICAP scoring and the COVID-19 INDUSTRY INDEX, an impact assessment on the industry, which presents the severity of the impact and the potential of the recovery industry.

 

 

IMM INVEST REGISTRATION REQUESTS: IMM INVEST Program allows SMEs significantly affected by the COVID-19 crisis to ensure their liquidity for the activity for investments, by accessing one or more credits for making investments and / or one or more credits / credit lines for working capital. You can see if the investigated company applied very easily with all the necessary information:

 

 

SPECIAL EVENTS. CSU CERTIFICATES: The emergency situation certificate is the document that is used in the relations with the public institutions, in order to obtain some facilities or support measures, or in the commercial relations, in accordance with the law. The companies, whose activity is affected in the context of the SARS – CoV-2 pandemic, could request the issuance of a CSU certificate for the entire period of the Emergency State, depending on how affected they were by the imposed measures.
– CSU BLUE – for the total or partial interruption of activity as a result of the effects of the decisions issued by the competent public authorities, according to the law, during the state of emergency decreed (affected by the Military Ordinances)
– CSU Yellow – for recording a decrease in recipes and incomes in March 2020, with a percentage of at least 25% compared to the average of receipts or revenues from January – February 2020.

 

Data Prisma

Data.Prisma has been designed aiming to provide customers with immediate access to comprehensive set of business information of a preselected universe of business entities. It offers at the same time all the necessary tools for aggregating, analyzing, profiling and reporting all information provided by the system, enabling companies to identify new customers, search for partners’ information and assist the overall day-to-day operations of multiple departments.

 

 

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Data.Prisma offers:

 

  • Extensive search functionalities for easy access to any business entity;
  • Drill-through capabilities for faster in-depth analysis;
  • Customizable dashboards and reports, adapting to the specific customer needs;
  • Default Analysis of User Samples, Comparisons and Rankings simplifying the analytics process;
  • Advanced and interactive reporting capabilities;
  • Advanced financial and statistical analysis capabilities;
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