Credit Risk

With Enin's proprietary AI model for estimating the probability of a company going bankrupt within the next twelve months, you can be alerted early to increased risk for individual companies or a portfolio. The model is continuously updated, and a timeline of the development in bankruptcy risk is therefore also available. The model has been described as among the most accurate in the market by our customers.

Enin flags companies that have gone through what we define as high-risk events.

This provides you with a convenient overview of significant changes the company has undergone, such as changes in the board, management, owners, accounting, auditor, or number of employees. You will also be able to see if the company is associated with individuals who have previously been involved in bankruptcies.

The event overview will provide you with a chronological list of the most important events, including announcements from the Brønnøysund Register Centre, Doffin, court hearings, liens, and news from published articles and media – with exclusive access to bypass any paywall. Our machine learning model ensures that only the most relevant cases are associated with the company or name you search for, as well as allowing you to sort by the importance of the events.

Get immediate access to updated information on borrowers' potential payment remarks, allowing you to make safe and informed lending decisions, thereby reducing the risk of default. Our overview includes information on the number of remarks, their amounts, when they were reported, and the relevant creditors.

Auditor notes predict payment problems. In Enin's web portal, you get a complete overview of current and historical auditor notes, allowing you to tread carefully when dealing with such companies.

We don’t just show you that they have auditor notes, but we also provide the actual text of the note so that you can get the relevant details. Additionally, you can set up alerts to be informed about new notes, ensuring you are always up to date.

In addition to a comprehensive overview of reported financial figures, you will see various calculated financial key figures as indicators of the company's liquidity, solidity, and profitability.

All financial figures can easily be downloaded as an Excel file for further processing and analysis.