Atoka API User Reference

Sub-score derived from CeBi (Centro di Ricerca ed Elaborazione dati per l'Imprenditoria) economic/financial data. Reflects the financial health of the company based on balance-sheet indicators processed by CeBi.

Universal-scale score for the CeBi financial sub-score.

Sub-score based on Payline payment behaviour data. Payline tracks inter-company payment flows.

Universal-scale score for the Payline payment-behaviour sub-score.

Sub-score based on negative legal and credit events: protests (protesti), prejudicial acts (pregiudizievoli), bankruptcies, and other insolvency proceedings.

Universal-scale score for the negative-events sub-score.

Sub-score measuring the risk associated with the number and type of Cerved consultations on the company.

Universal-scale score for the consultations risk sub-score.

Sub-score from registry and governance models. Captures signals related to company profile: legal form, sector, age, headcount, geographic location, ownership and governance structure.

Universal-scale score for the registry/governance model sub-score.

Integrated model sub-score combining multiple statistical models. This is the primary model-derived component of the CGS. Unlike other sub-scores, it exposes a pdi (Probability of Default Implied) value, number representing the estimated annual probability of default.

Probability of Default Implied (PDI) associated with the integrated model sub-score. Float in [0, 1]; e.g. 0.031 corresponds to a ~3.1% estimated annual default probability. Empty when the sub-score is not computable.

The Cerved Group Score (CGS): a composite credit-risk indicator summarising the overall default probability of the company. It is a statistical combination of the sub-scores above (financial, events, payments, consultations, profile/governance, integrated models).

Universal-scale CGS value.