Data alone doesn’t get you anywhere. It is the insights you derive from data that make the strategic difference. Insights in the form of scores and prediction models help companies to work more efficiently and build a better future.
A comprehensive dashboard shows you the most important core figures for any city or municipality. Behind the overview you’ll find a wealth of financial and economic information for a period of sex years, allowing you to monitor in detail the evolution of the local economy.
In addition, the Graydon City Dashboard is a useful tool for exporting up-to-date company data and statistics. That way, you can directly approach the selected companies or include the graphics in reports.
The online platform offers the option of benchmarking a city or municipality against comparable cities or (adjacent) municipalities. How does the chosen city or municipality hold up against other locations?
The Credit Advice tells you whether your business relation can pay you in the short term. The Payment Score and the payment behaviour tell you whether your business relation is likely to actually do so.
An annual account, which is at least seven months old, is only a snapshot. Payment experiences and the Payment Score however, offer a current view of your business relation. Their value exceeds the traditional and more static figures. The Payment Score tells how your business relation is making payments today, completing the picture.
The Payment Score is a score between 0 and 100 and tells you whether your business relation is likely to pay. The higher the score, the better. To calculate this score, Graydon applies a weighing calculation to the experiences supplied to us by all suppliers. The most recent observations carry the most weight in this calculation.
The Multi-Score evaluates chances and risks for a company in the medium-term. This indicator is based on four pillars (facts, balance sheets, payment experiences, and data from the company itself), which are each comprised of dozens of variables. Just like the Payment Score, the Multi-Score is provided as a 0 to 100 value. The higher the score, the better the potential and the lower the risk.
The Multi-Score is often used to screen the customer portfolio, divide it into segments and then establishing procedures. In that respect it is a valuable instrument for finance, sales, and marketing.
Many figures and ratios focus on avoiding risks and bankruptcies. The Growth Score looks resolutely to the future and indicates which customers and prospects will grow over a period of 12 months.
Based on the Growth Score, you predict whether your customer portfolio will grow or shrink. It is therefore an indispensable instrument for determining your strategy and underpinning your plans and budgets.
Companies prefer to invest time and money in segments, customers, and prospects that offer potential. Until today this was largely guesswork. The Growth Score however, is a perfect starting point for putting your time, money, and other means to effective use and so improve your odds of success.
If you need to take a lot of credit decisions in a short amount of time, then Credit Advice is the solution for you. It tells you how much cash a company can make available to pay its bills at short notice. Please note, this does not guarantee that such a company actually pays such bills. That is what the Payment Score and the payment behaviour are for.
With Credit Advice you are looking only at one amount, which is easy to interpret. That way every employee in your company makes decisions on the same information, leading to uniform decisions.
Why would you approach businesses with minimal (or no) economic activity? The odds of selling anything there are small. In other words, wasted effort. That time, money, and energy is better invested in other companies.
The Activity Score is exceptionally useful for defining your target audience more accurately. You’re better off excluding businesses that are not financially active. Do the math, see how much you’ll save in terms of printing and sending brochures, cards, or catalogues that you then intend to follow-up on by telephone as well.
The courts use the Activity Score to detect phantom companies and to combat fraud. Because, there is a clear link between businesses that develop little to no activity on the one hand and all kinds of fraudulent activities on the other hand. Do you run to take the risk of dealing with a fraudulent company?
The Discontinuity Score predicts how likely it is that a company will cease to exist in the next 12 months. It does not look at just the chance of failure, but also at potential dissolution, merger, takeover, and cessation.
The score is extremely useful for determining whether investing time and means into a business relationship will be beneficial. Because, why would you invest if you know there is a good chance your interlocutor will throw in the towel within 12 months?
The Discontinuity Score is also idea for screening your customer portfolio. Add the risk of cessation for each company. Subsequently you can easily segment your customers based on high / low risk of cessation to apply custom rules. This way, the score helps you estimate potential (revenue) loss.
Scores and prediction models provide an indication of ‘the chance of ...’. And that is something you can draw as widely as you like. Besides a number of general scores, business therefore also look for the ultimate score that helps them to move forward. Usually it is a very personal score, one that cannot be copied to other companies without adjustments.
You link internal data to Graydon data and/or data from other companies to compile a customised score. Is there a specific element that makes you think: ‘If we could know (fill in your specific data element), then we could make significant forward motion’? If so, don’t hesitate to get in touch with us. If we cannot help you ourselves, we may very well have someone in our network who can.
A crisis, like the corona virus, a terrorist attack or road works, threatens the continuity of many companies. Do you know which of your customers can cope with this kind of crisis? What will be left of your customer portfolio after the crisis?
To help with answering these questions, Graydon has developed the Impact Score and the Impact Score Report, based on the (partial or full) discontinuity of our economy. The Score indicates to what extent a company has sufficient reserves to survive a two-month period of reduced activity or complete closure. Not a prediction, a reflection of the harsh reality.
As the support measures are announced, or the duration of the crisis period is extended, the model and the score will be adjusted accordingly. In the report, in addition to the Impact Score, you’ll also find the Day 0 situation, the situation on the day before the crisis measures were imposed. This gives you an insight into the situation that the company was in at that time and the extent of the impact the crisis has on that situation.