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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, pre-bankruptcy signals, 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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