BUSINESS CREDIT ASSESSMENT
Assess the creditworthiness of any business in seconds.
Access Risika scores, financial statements, payment defaults, and ownership structures for more than 6.7 million companies across the Nordic region, updated daily.
companies covered
Nordic countries
data updates
WHAT IS IT
What is a business credit assessment?
A credit assessment is an overall evaluation of how likely a business is to meet its financial obligations. At Risika, this is expressed as a score from 1 to 10, calculated based on official registry data, financial statements, and behavioral patterns.
Risikascore (1-10)
A single value summarizing the credit risk. 1–4 is high risk, 5–6 is medium, and 7–10 is low. Calculated for every company in our database.
Bankruptcy probability
The statistical probability of the business going bankrupt within 12 months, based on our Nordic credit model.
Recommended credit limit
The amount of credit we recommend you extend. Calculated based on equity, earnings, and industry dynamics.
Score history
Track how the creditworthiness has developed over time. Get notified if the score changes significantly.
DATA SOURCES & COVERAGE
Complete Nordic coverage, updated daily.
We source data directly from official registries in each country and combine it with our own Nordic credit model. This means you get the same depth of data and the same scoring scale, whether you are checking a Danish, Norwegian, Swedish, or Finnish company.
Denmark
CVR · Erhvervsstyrelsen
870,000+ businesses
Norway
Brønnøysundregistrene
650,000+ businesses
Sweden
Bolagsverket
1.2M+ businesses
Finland
PRH
700,000+ businesses
LIVE RAPPORT
This is what a credit report looks like.
Every credit assessment opens as a full report within the Risika Dashboard. Score, financial key figures, ownership hierarchy, fraud indicators, and payment defaults, all on a single screen.
MORE THAN JUST A SCORE
A credit assessment is just the beginning.
The Risika Platform provides all the tools you need to make the right decisions. From automated monitoring to group analysis and fraud risk detection.
Risk Monitoring
Add customers and suppliers to a monitoring list and get notified when their Risika score, status, or credit limit changes.
Corporate Hierarchy
Visualize ownership structures multiple levels deep. Identify parent companies, subsidiaries, and ultimate beneficial owners.
The Fraud Module
Algorithms that detect strawmen, zombie companies, copied financial statements, and other warning signals before it costs you money.
Automated Credit Policy
Define your credit rules once. Risika automatically applies them to all new customers and active portfolios.
Company Comparison
Compare key figures, scores, and structures side-by-side, perfect for supplier selection and benchmarking.
API & Integrations
Fetch credit assessments directly into your ERP, CRM, or onboarding flow via our REST API.
WHO USES IT
For all decisions where risk is at stake
Credit Departments
Assign credit limits and monitor the portfolio.
CFO & Finance
Reduce losses and get an overview of debtor risk.
Sales & Account Management
Check creditworthiness before closing the contract.
Purchasing
Assess supplier stability and ownership.