s-peek - Credit Rating

Credit Rating, commercial credit limit and financial information, instantly.

s-peek is a free and easy-to-use app helping companies and freelancers to understand the financial health of any company in Europe. s-peek is developed by modeFinance, the first European Fintech Credit Rating Agency, so its scorings are affordable and reliable.

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If you are wondering whether a company is going well or bad? Is big or small? Is profitable or not? What is its credit rating class? How much credit limit has been assigned? Can it be a reliable client?

s-peek let's you assess these information, on more than 25 million companies in Europe.

You will be able to:
- learn about credit rating and commercial credit limit;
- check out the most important financial data;
- download business information as a PDF (via web app);
- discover credit rating and commercial credit limit;
- receive updates on purchased reports;
- read what other people think about each company;
And more!

**Winner of the GranPrix CheBanca award - Best Fintech Company**

s-peek gives you immediate access to credit rating, commercial credit limit and financial information of any European company.

Here you can find some feedbacks and reviews by s-peek users:

"New design and really interesting new options. Fascinating app to quickly understand the economic and financial performance of Italian and foreign companies."

"Really useful to quickly place the business partner, whether a client or a provider. Reports are not for free, but find the same information would cost much more."

"Congratulations! Really useful, clear and suitable for all user, even those less experienced."

"Really useful to immediately understand if a potential client will pay or not, thanks!"

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The evaluations in s-peek are expressed using all available public information about the company, such as company details, financial statements, industry sector concerned, exc.

The credit rating and the commercial credit limit available within the application are evaluated through the innovative MORE methodology, which studies the company as a complex system and deepens the analysis of its different areas: solvency, debt coverage, liquidity, cash cycle, profitability, fixed assets coverage ratio, comparison with the sector concerned, and so on.

The Multi Objective Rating Evaluation is developed and owned by modeFinance, the first official European Fintech Credit Rating Agency.

The three-colours scale system (Green, Yellow, Red) is intuitive and simple: any colour represents each company's credit rating macro-category, according to the last available annual financial statement.

Green: AAA, AA, A, BBB
Yellow: BB, B
Red: CCC, CC, C, D
Grey: rating not assessable due to the lack of some financial data.

Apart from this first evaluation, you can access two other report categories:

FLASH: you obtain basic information such as credit rating of the previous three years, commercial credit limit, company's main macro areas analysis (solvency, liquidity, profitability), sectorial comparison.

Extended12M: you obtain further information such as turnover, profits (or losses) of the current financial year, total assets, shareholders' equity. This report includes corporate registration information (address, phone, sector, etc.), too.

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Please note that the measure of creditworthiness included in s-peek is not a "credit rating" as defined in accordance with the EU Regulation N. 1060/2009.