Premium Credit Report (Premiumauskunft)
The Creditreform Premium Report, known in Germany as a Premiumauskunft, provides detailed company credit information for decisions involving significant financial exposure.
Assess financial performance, payment behaviour and credit risk before extending substantial credit or committing to a major contract.
What Does A Premium Report Include?
When making higher-risk business decisions, you need a thorough understanding of your customers and business partners. An unpaid invoice or financially unstable supplier can affect your cash flow and disrupt operations.
The Premiumauskunft Premium Report brings together credit assessments, financial analysis and payment information. It helps you understand a company’s current position and how it has changed over time.
Key features include:
• The Creditreform credit rating index and probability of default.
• Credit rating trends and historical comparisons.
• Balance sheet and profit and loss account analysis.
• Key financial indicators and available payment behaviour information.
Premiumauskunft report content varies according to the company, country and available records.
When To Use A Premium Credit Report
• Assessing a customer before agreeing a substantial credit limit.
• Reviewing a supplier before signing a long-term agreement.
• Evaluating financial risk for a major project.
• Supporting lending decisions.
• Reviewing exposure to key customers.
• Comparing competitors’ financial performance.
Detailed Financial Analysis And Credit Risk Information
Credit Rating Development
Review credit rating history covering up to two years, where available, to understand changes in a company’s risk profile.
Financial Analysis
Assess financial strength, asset structure and profitability using available accounts. The report can include up to three years of financial statements, with historical and industry comparisons.
A separate balance sheet credit assessment provides further insight where available.
Payment Behaviour And Enquiry Activity
Available payment data shows how a company pays against agreed terms. Credit enquiry activity provides additional context and may highlight areas for further investigation.
Management Summary
A concise summary brings together the main findings, helping finance teams review and share the assessment.
How A Premium Credit Report Supports Business Decisions
• More context for significant credit and contract decisions.
• Greater visibility of changes in financial performance.
• A clearer basis for setting payment terms.
• Detailed information to support internal approvals.
View A Sample Premium Report
Download a sample Premium Report to see the typical layout and level of information provided. This example is for guidance only; the exact content available will depend on the company, country and available records.
