D&B Financial Stress Score® (FSS)

The Financial Stress Score (FSS) predicts the likelihood that a business will experience financial distress over the next 12 months, such as filing for bankruptcy. The FSS is comprised of a company’s: business history, payment habits, and industry norms. Class ranges from 1 (Low Risk) to 5 (High Likelihood).

A business that is financially stressed has:

  1.     Ceased operations following assignment or bankruptcy
  2.     Ceased operations with loss to creditors
  3.     Voluntarily withdrew from business operation leaving unpaid obligations
  4.     Is in receivership, reorganization, or has made an arrangement for the benefit of creditors


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