{ "object": "list", "data": [ { "code": "EE", "name": "Estonia", "status": "limited", "currency": "EUR", "identifier_schema": [ { "field": "registry_code", "label": "Registry code", "required": true, "pattern": "^[0-9]{8}$", "notes": "Eight digits. The primary key for every registry lookup in this market." }, { "field": "vat_number", "label": "VAT number", "required": false, "pattern": "^EE[0-9]{9}$", "notes": "Not required. Present on most trading companies and useful as a cross-check." }, { "field": "legal_form", "label": "Legal form", "required": false, "pattern": null, "notes": "Affects which statements the entity is obliged to file, which affects which ratios are computable." } ], "rating_scales": [ { "id": "bureau_alpha_7", "label": "Bureau letter grade", "kind": "ordinal", "direction": "higher_is_better", "grades": [ "A1", "A2", "B1", "B2", "C1", "C2", "D" ], "min": null, "max": null, "notes": "Seven ordered grades, most favourable first. A policy floor names one of them, and every grade below that position fails. Ranking is decided by index, never by comparing the grades as text." }, { "id": "bureau_pd_percent", "label": "Probability of insolvency, per cent", "kind": "numeric", "direction": "lower_is_better", "grades": null, "min": 0, "max": 100, "notes": "Issued alongside the letter grade. A policy may set its floor on either, and the two run in opposite directions." } ], "industry_schemes": [ "mcc", "nace", "national_activity" ], "notes": "Financial statements are published by the national registry and a large part of the balance sheet and profit-and-loss is retrievable for a filing entity. One ratio cannot be computed for most of this market at all: the cash flow statement is a filing that smaller entities are lawfully exempt from, so operating_cash_flow_ratio returns availability not_filed rather than a value, and that is a fact about the entity's obligations rather than a signal about its credit. Debt service coverage depends on short-term borrowings appearing as a labelled line, which the smallest size class is not obliged to present, so its availability is decided per case from the entity's own filings and is never promised in advance. Transaction categories are not supplied by the account-information provider in this market and are derived by a Credit Atlas classifier from transaction text, so every category carries a confidence and category_source says so on each transaction. Bureau data is contracted for this market: an ordered letter grade, a probability of insolvency and an active-defaults flag are all retrievable per company. Note that this market has more than one payment-default register, so a clear result from the contracted one is not a statement that no register holds a default. The bureau also reports existing credit per subject: open facilities, outstanding balances, monthly instalments and credit limits." }, { "code": "LV", "name": "Latvia", "status": "limited", "currency": "EUR", "identifier_schema": [ { "field": "registry_code", "label": "Registration number", "required": true, "pattern": "^[0-9]{6}$|^[0-9]{8,9}$|^[3-5][0-9]{10}$", "notes": "Most companies carry an eleven-digit number, but tens of thousands of legacy registrations carry six, eight or nine digits. A strict eleven-digit rule rejects roughly seven per cent of company records, so the published pattern admits the legacy forms deliberately." }, { "field": "vat_number", "label": "VAT number", "required": false, "pattern": "^LV[0-9]{11}$", "notes": "The country prefix followed by the registration number. Modern registrations only." }, { "field": "legal_form", "label": "Legal form", "required": false, "pattern": null, "notes": "Decides which statements the entity is obliged to prepare, and therefore which ratios can exist." } ], "rating_scales": [ { "id": "bureau_score_numeric", "label": "Bureau risk score", "kind": "numeric", "direction": "lower_is_better", "grades": null, "min": 100, "max": 600, "notes": "This market publishes a numeric risk score rather than a letter grade, and a lower value is the better one. No published mapping between this scale and a letter scale exists, so the contract does not convert; a policy operating here states its floor as a number on this scale." } ], "industry_schemes": [ "mcc", "nace", "national_activity" ], "notes": "Financial data in this market is published as national open data and refreshed daily, so a value is either published or it does not exist. Two ratios cannot be computed for most companies: the cash flow statement is required only of medium and large undertakings, so operating_cash_flow_ratio returns not_filed for the overwhelming majority of this population; and the published data carries balance-sheet totals without their constituent lines, so short-term borrowings are unavailable and debt_service_coverage cannot be computed here at all. One further ratio, debt_to_ebitda, depends on a depreciation line that only one of the two permitted profit-and-loss schemes contains, and most companies file under the scheme that does not; it is reported as available per case when the value is present and is never promised in advance. Read the credit-risk consequence from the assessment payload rather than inferring it from a ratio count: of the three credit-risk ratios, one is published for every filer, one is conditional and one is unobtainable, so most Latvian assessments carry thinner credit-risk evidence than decision rules generally assume and are capped accordingly. Transaction categories are not supplied by the account-information provider in this market and are derived by a Credit Atlas classifier from transaction text, so every category carries a confidence and category_source says so on each transaction. Bureau data is contracted for this market, but it arrives as a numeric risk score rather than a letter grade, so a policy floor written as a grade has no scale here and must be restated as a score. The bureau also reports existing credit per subject: open facilities, outstanding balances, monthly instalments and credit limits." }, { "code": "PL", "name": "Poland", "status": "limited", "currency": "PLN", "identifier_schema": [ { "field": "registry_code", "label": "Tax identification number (NIP)", "required": true, "pattern": "^[0-9]{10}$", "notes": "Ten digits, checksum-validated. This is a tax number rather than a company registration number, and it is nonetheless the primary key here because it is what the registry, tax-status and subsidy sources all index on. Sole traders and companies alike carry one." }, { "field": "vat_number", "label": "VAT number", "required": false, "pattern": "^PL[0-9]{10}$", "notes": "The country prefix followed by the tax identification number, so it is derivable from registry_code and is accepted as a cross-check rather than as a second lookup key." }, { "field": "statistical_number", "label": "Statistical number (REGON)", "required": false, "pattern": "^[0-9]{9}([0-9]{5})?$", "notes": "Nine digits, or fourteen for a branch. Send it in additional_identifiers." }, { "field": "court_register_number", "label": "Court register number (KRS)", "required": false, "pattern": "^[0-9]{10}$", "notes": "Registered companies only. Sole traders sit on a separate register and have none. Send it in additional_identifiers." }, { "field": "legal_form", "label": "Legal form", "required": false, "pattern": null, "notes": "Load-bearing in this market. It decides which register holds the entity and whether any financial statements exist to look for at all, so a case sent without it may be assessed without statements that were in fact available." } ], "rating_scales": [ { "id": "bureau_score_100", "label": "Bureau score, 0 to 100", "kind": "numeric", "direction": "higher_is_better", "grades": null, "min": 0, "max": 100, "notes": "A numeric score where a higher value is the better one. A policy floor here is a number, for example 40, and it means nothing on any other market's scale." }, { "id": "bureau_risk_class_8", "label": "Payment risk class", "kind": "ordinal", "direction": "higher_is_better", "grades": [ "A", "B", "C", "D", "E", "F", "G", "H" ], "min": null, "max": null, "notes": "An ordered risk class, not a credit rating. The last grade means the entity is already recorded as a debtor rather than merely carrying the weakest score, so a policy treating this as a rating scale will read it wrongly." } ], "industry_schemes": [ "mcc", "nace", "national_activity" ], "notes": "This market answers identity, registration status, tax status and public subsidy questions directly from national registries, and it is the only market in this contract with a tax source. Financial statements are ingested for limited-liability and joint-stock companies. Micro enterprises and sole traders publish none at all, which is a fact about the entity type rather than a gap in coverage: their line items return availability not_published and every ratio depending on them returns band null, and a policy must not read that as a credit negative. legal_form therefore decides more here than in any other market in this contract. Transaction categories arrive from the account-information provider already populated, so category_source is provider on each transaction rather than a classifier confidence. Bureau data is contracted for this market as a numeric score and an ordered risk class. No source here issues a letter credit rating for the size of company this contract serves, so a policy condition written as a letter grade has no scale to evaluate against and must be restated as a score floor. The bureau also reports existing credit per subject: open facilities, outstanding balances, monthly instalments and credit limits." } ] }