Daskapital's risk classification, equivalent to Iberinform's Risk/Credit Score, uses robust mathematical models to predict the probability of a company's default in 12 months, evaluating the risk from 1 to 10, which represent the highest and lowest risk respectively.
The probability of default for each of the scoring notes is statistically estimated and demonstrated in the following table:
Iberinform's Risk Assessment Model is the result of a statistical study that, based on the analysis of certain available information, identifies factors that predict the behavior of a company's payments for the following 12 months. The definition of default used here includes not only insolvency actions but also payment incidents. Default is modeled when a critical point is exceeded by the combination of a set of factors related to the company.
If we differentiate a company that suffered a risk of customer default from another company that used the Score to segment and monitor customers, the success rate would be 85% of cases, which confirms the predictive capacity of the Model.
To limit the risk that investors incur, Daskapital, with certain exceptions, does not publish investment opportunities rated 3 or lower.
If you need further clarification, please get in touch with us at support@daskapital.eu.
