s-peek - Credit Rating 4.0.2

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

s-peek is an application designed to assist companies and freelancers in comprehending the financial status of any European company. Developed by modeFinance, the pioneering European Fintech Credit Rating Agency, s-peek offers affordable and dependable credit scores.

If you are seeking insight into a company's performance, size, profitability, credit rating class, assigned credit limit, or reliability as a client, s-peek provides access to this data for over 25 million companies in Europe.

You can:

• Learn about credit ratings and commercial credit limits
• Access crucial financial data
• Download business information as a PDF (via web app)
• Discover credit ratings and commercial credit limits
• Receive updates on purchased reports
• Read reviews from other users about each company

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

s-peek offers immediate access to the credit rating, commercial credit limit, and financial information of any European company.

The evaluations provided on s-peek are based on all publicly available information about the company, such as company details, financial statements, and industry sector.

The credit rating and commercial credit limits are assessed using the innovative MORE methodology developed by modeFinance. This methodology delves into various areas like solvency, debt coverage, liquidity, profitability, among others.

The three-color scale system (Green, Yellow, Red) is straightforward: Green represents higher credit rating categories (AAA to BBB), Yellow indicates lower ratings (BB to B), Red denotes the lowest ratings (CCC to D), and Grey signifies ratings that cannot be assessed due to insufficient financial data.

In addition to the initial evaluation, users can access two other report categories:

FLASH: providing basic information such as the credit rating over the past three years, commercial credit limit, an analysis of the company's main areas (solvency, liquidity, profitability), and sectorial comparisons.

Extended12M: offering detailed information including turnover, profits or losses of the current financial year, total assets, shareholders' equity, as well as corporate registration details.

Please note that the creditworthiness measure included in s-peek differs from the official definition of "credit rating" according to EU Regulation N. 1060/2009.