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Decision tool · debtor risk

Credit advice

Should this customer buy this amount on invoice? Get an instant, reasoned GREEN/AMBER/RED verdict with a suggested ceiling and concrete terms, from annual accounts and State Gazette signals.

Verdict from official sources (NBB, CBE, State Gazette). Your question is not stored.
How is this verdict computed?

The verdict follows a fixed, deterministic rule table, the same input always yields the same answer:

  1. An open bankruptcy, a €0 credit limit or stacked insolvency signals always yield RED.
  2. The indicative credit limit from the health barometer is term-weighted: 14 and 30 days count in full, 60 days at 75%, 90 days at 60%.
  3. Above twice that weighted limit: RED. Above it but within twice: AMBER with adjusted terms.
  4. Weak health, reorganisations, interim measures, stale filings (>24 months) or a young company (<3 years) turn the verdict AMBER.
  5. Without filed accounts we judge on signals only, flagged as lower confidence, and never GREEN above €25,000.

Sources: NBB filings (XBRL), CBE and the Belgian Official Gazette. The full rule table is documented in our methodology.

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