Valuatum Credit Risk Analysis Software

Valuatum Credit Risk solution is a cost efficient financial statement analysis tool to standardize the credit research and rating processes of listed and non-listed companies. Our platform supports both fully automatized and semi-automatized credit risk analysis.

• Produces graphs and key figures from the financial statement data available in our database
• Currently our database consists of financial statements of nearly 200 000 Finnish companies (source: Bisnode Finland)
• External (customer's own or third party) data can also be imported to our system

Company Views - overview on the financial position of a company

• Comprehensive outlook into the financial position of a company
• Layout and content of the pages can be modified - choose the figures and graphs you want to use
• The system generates future estimates automatically for the income statement and balance sheet based on the given rules
• All future estimates as well as historical figures can be changed by the user
• Find more about Company Views

Comparisons - tools for peer group analysis

• Compare the key figures of selected companies in scatters and rankings-lists
• You can choose any financial parameters you want to the comparison
• You can create your own company lists for comparison
• You can limit the set of companies in the scatters or rankings-lists by industry
• Find more about Comparison tools 

Default and bankruptcy risk modeling

• Built-in default and bankruptcy risk models
• Statistical methods are used to determine the probability of default or bankruptcy
• The statistical modelling is based on the key figures calculated from the financial statement data
• The picture on the right illustrates the connection between profitability (ROA %) and default risk. It is based on Finnish default and bankruptcy data and financial statements data of nearly 200 000 companies.
• Find more about Default and bankruptcy risk modelling