D&B Viability Rating®

What is the D&B Viability Rating?

The D&B Viability Rating uses D&B’s proprietary analytics to compare the most predictive business risk indicators and deliver a highly reliable assessment of the probability that a company will go out of business, become dormant/inactive, or file for bankruptcy/insolvency within the next 12 months. The D&B Viability Rating is made up of 4 components:

  • Viability Score
  • Portfolio Comparison
  • Data Depth Indicator
  • The Company Profile

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Viability Score

Viability Score is a high-level risk indicator that assesses the probability that a company will no longer be in business within the next 12 months, compared to all US businesses within the D&B database. A business is no longer viable when it goes out of business, becomes dormant/ inactive or files for bankruptcy/insolvency. The ranking ranges from 1 to 9 where 9 reflects the highest probability of becoming no longer viable and 1 reflects the lowest probability.

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Portfolio Comparison

Portfolio Comparison is a more detailed risk indicator that assesses the viability of a company compared to similar businesses within the same model segment which are determined by the amount and type of data available. A business is no longer viable when it goes out of business, becomes dormant/ inactive or files for bankruptcy/insolvency. Every business within the D&B database falls into 1 of the following 4 profile segments:

  • Available Financial Data
  • Established Trade Payments
  • Limited Trade Payments
  • Firmographics and Business Activity

The Portfolio Comparison ranking ranges from 1 to 9 where 9 reflects the highest probability of becoming no longer viable and 1 reflects the lowest probability.

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Data Depth Indicator

The Depth of Data Indicator presents the level of data that is used to generate the Viability Score and Portfolio Comparison. Data depth assists in the assessment of whether a company will no longer be viable and includes the following:

  • Financial Attributes
  • Commercial Trading Activity
  • Firmographics

The level of data is represented by a letter on a scale of A – G where A reflects the greatest level of predictive data to make a highly reliable assessment of company viability, and G reflects a minimal level of data which can be considered descriptive. The more comprehensive the data, the more precise the overall D&B Viability Rating becomes. If a company has been confirmed as high risk, a letter ranging from H – N will be assigned to identify the specific high risk category. Reference the chart below for details:

Rating Description
A Rich Firmographics, Extensive Commercial Trading Activity and Comprehensive Financial Attributes
B Rich Firmographics, Extensive Commercial Trading Activity and Basic Financial Attributes
C Rich Firmographics, Extensive Commercial Trading Activity and No Financial Attributes
D Rich Firmographics, Partial Commercial Trading Activity and No Financial Attributes
E Rich Firmographics, Sparse Commercial Trading Activity and No Financial Attributes
F Basic Firmographics, Trace Commercial Trading Activity and No Financial Attributes
G Basic Firmographics and No Financial Attributes
Rating High Risk Description
H Out of Business – Business is considered inactive due to Bankruptcy, Insolvency, Merger/Acquisition or absence of confirmed location.
I Unable to Confirm Designation – D&B is unable to confirm active operations at a specific location due to the business showing limited to no business activity and multiple signs of inactivity (e.g. disconnected phone, vacant address, no longer in a telephone directory etc.).
J Bankruptcy – Business has filed for Chapter 11 bankruptcy and the plan of reorganization is not yet confirmed.
K High Risk (Severe Risk) – Business displays characteristics of misrepresentation.
L Self Reported Duns Support Record – Business’ request for a DUNs number requires an investigation or confirmation of information from D&B.
M Business Deterioration (Severe Risk) – Business displays characteristics of financials distress, including signs of current or imminent business failure or operating difficulty.
N Insolvency – Business or Management has insufficient assets to meet debts and obligations. See Public Records for further details (Not applicable to US companies).

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The Company Profile

The Company Profile describes a company based on a combination of 4 categories:

  • Financial Data
  • Trade Payments
  • Company Size
  • Years in Business

A company is characterized by a letter which ranges from A – X; with each letter representing a combination of the 4 categories that make up the company’s profile. For example, A describes a company with a comprehensive level data, which has been in business 5+ years, with 50+ employees or $500K+ in Sales, while X reflects a company with a minimal data, in business <5 years, with <10 employees and <$10K in Sales. Y and Z reflect a Branch and Subsidiary, respectively.

Company Profile Rating Clarification
Company Profile Rating Financial Data Trade Payments Company Size Years in Business
A Available Available (3+Trade) Large:
Employees: 50+ or
Sales: $500K+
Established: 5+
B Available Available (3+Trade) Large:
Employees: 50+ or
Sales: $500K+
Young: < 5
C Available Available (3+Trade) Medium:
Employees: 10-49 or
Sales: $100K-$499K
Established: 5+
D Available Available (3+Trade) Medium:
Employees: 10-49 or
Sales: $100K-$499K
Young: < 5
E Available Available (3+Trade) Small:
Employees: < 10 and
Sales: < $10K or Missing
Established: 5+
F Available Available (3+Trade) Small:
Employees: < 10 and
Sales: < $10K or Missing
Young: < 5
G Not Available Available (3+Trade) Large:
Employees: 50+ or
Sales: $500K+
Established: 5+
H Not Available Available (3+Trade) Large:
Employees: 50+ or
Sales: $500K+
Young: < 5
I Not Available Available (3+Trade) Medium:
Employees: 10-49 or
Sales: $100K-$499K
Established: 5+
J Not Available Available (3+Trade) Medium:
Employees: 10-49 or
Sales: $100K-$499K
Young: < 5
K Not Available Available (3+Trade) Small:
Employees: < 10 and
Sales: < $10K or Missing
Established: 5+
L Not Available Available (3+Trade) Small:
Employees: < 10 and
Sales: < $10K or Missing
Young: < 5
M Not Available Available(1-2 Trade) Large:
Employees: 50+ or
Sales: $500K+
Established: 5+
N Not Available Available(1-2 Trade) Large:
Employees: 50+ or
Sales: $500K+
Young: < 5
O Not Available Available(1-2 Trade) Medium:
Employees: 10-49 or
Sales: $100K-$499K
Established: 5+
P Not Available Available(1-2 Trade) Medium:
Employees: 10-49 or
Sales: $100K-$499K
Young: < 5
Q Not Available Available(1-2 Trade) Small:
Employees: < 10 and
Sales: < $10K or Missing
Established: 5+
R Not Available Available(1-2 Trade) Small:
Employees: < 10 and
Sales: < $10K or Missing
Young: < 5
S Not Available Not Available Large:
Employees: 50+ or
Sales: $500K+
Established: 5+
T Not Available Not Available Large:
Employees: 50+ or
Sales: $500K+
Young: < 5
U Not Available Not Available Medium:
Employees: 10-49 or
Sales: $100K-$499K
Established: 5+
V Not Available Not Available Medium:
Employees: 10-49 or
Sales: $100K-$499K
Young: < 5
W Not Available Not Available Small:
Employees: < 10 and
Sales: < $10K or Missing
Established: 5+
X Not Available Not Available Small:
Employees: < 10 and
Sales: < $10K or Missing
Young: < 5
Y Branch
Z Subsidiary

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