| Code |
Meaning |
Description |
| BG/N00 |
Control age or date entered in D&B files indicates high risk |
Control age or date entered in D&B files indicates higher risk |
| BG/N01 |
Control age or date entered in D&B files indicates lower risk |
Control age or date entered in D&B files indicates lower risk |
| BG/N02 |
Business does not own facilities |
Business does not own facilities |
| BG/N03 |
Financial condition is fair or unbalanced |
Financial condition is fair or unbalanced |
| BG/N04 |
Business or Management history is present for this firm |
Business or Management history is present for this firm |
| BG/N05 |
Payment information is unavailable in the D&B Files |
Payment information is unavailable in the Dun & Bradstreet files |
| BG/N06 |
Payment information indicates negative payment comments |
Payment information indicates negative payment comments |
| BG/N07 |
Payment experiences are greater than 60 days past due |
Payment experiences exist for this firm and are greater than 60 days past due |
| BG/N08 |
Evidence of open suit(s), lien(s), judgment(s) |
Evidence of open suit(s), lien(s), judgment(s) in D&B database |
| BG/N09 |
Evidence of open suit(s) and judgment(s) |
Evidence of open suit(s) and judgment(s) in D&B database |
| BG/N10 |
Evidence of open suit(s) and lien(s) |
Evidence of open suit(s) and lien(s) in D&B database. |
| BG/N11 |
Evidence of open lien(s) and judgment(s) |
Evidence of open lien(s) and judgment(s) in D&B database. |
| BG/N12 |
Evidence of open suit(s) |
Evidence of open suit(s) in D&B database. |
| BG/N13 |
Evidence of open lien(s) |
Evidence of open lien(s) in D&B database. |
| BG/N14 |
Evidence of open judgment(s) |
Evidence of open judgment(s) in D&B database. |
| BG/N15 |
No record of open suit(s), lien(s), or judgment(s) |
No record of open suit(s), lien(s), or judgment(s) in D&B database. |
| BG/N16 |
D&B Files don't indicate slow payments nor negative comments |
D&B Files don't indicate slow payment(s) nor negative comments(s) |
| BG/N19 |
Control age or date in D&B files indicates moderate risk |
Control age or date entered in D&B files indicates moderate risk |
| BG/N20 |
D&B composite credit appraisal rating is fair or limited |
D&B composite credit appraisal rating is fair or limited |
| BG/N21 |
Indication of higher geographical region risk |
Indication of higher geographical region risk |
| BG/N22 |
Indication of higher industry risk classification |
Indication of higher industry risk classification |
| BG/N23 |
Indication of lower geographical region risk |
Indication of lower geographical region risk |
| BG/N24 |
Indication of lower industry risk classification |
Indication of lower industry risk classification |
| BG/N25 |
Indication of moderate geographical region risk |
Indication of moderate geographical region risk |
| BG/N26 |
Indication of moderate industry risk classification |
Indication of moderate industry risk classification |
| BG/N27 |
Negative net worth is present for this firm |
Negative net worth is present for this firm |
| BG/N28 |
Payment information indicates slow payment(s) present |
Payment information indicates slow payment(s) present |
| BG/N29 |
Obtain additional payment information via a D&B Investigation |
Please obtain additional payment information through a full D&B Investigation |
| BG/N30 |
The number of employees is unavailable in the D&B files |
The number of employees is unavailable in the D&B files |
| BG/N31 |
Accts pay/sales ratio between the median and lower quartile |
Accounts payable to sales ratio between the median and lower quartiles |
| BG/N32 |
Accts pay/sales ratio between the median and upper quartile |
Accounts payable to sales ratio between the median and upper quartiles |
| BG/N33 |
Accts pay/sales ratio in the lower quartile |
Accounts payable to sales ratio in the lower quartile for this industry |
| BG/N34 |
Accts pay/sales ratio in the upper quartile |
Accounts payable to sales ratio in the upper quartile for this industry |
| BG/N35 |
Curr liab/inventory ratio shows high risk of financial stress |
Current liabilities to inventory ratio suggests high risk of financial stress |
| BG/N36 |
Curr liab/inventory ratio shows low risk of financial stress |
Current liabilities to inventory ratio suggests low risk of financial stress |
| BG/N37 |
Curr liab/networth ratio between median and lower quartile |
Current liabilities to net worth ratio between the median and lower quartiles |
| BG/N38 |
Curr liab/networth ratio between median and upper quartile |
Current liabilities to net worth ratio between the median and upper quartiles |
| BG/N39 |
Curr liab/networth ratio in the lower quartile |
Current liabilities to net worth ratio in the lower quartile for this industry |
| BG/N40 |
Curr liab/networth ratio in the upper quartile |
Current liabilities to net worth ratio in the upper quartile for this industry |
| BG/N41 |
Curr liab/networth suggests high risk of financial stress |
Current liabilities to net worth suggests high risk of financial stress |
| BG/N42 |
Curr liab/networth suggest low risk of financial stress |
Current liabilities to net worth suggest low risk of financial stress |
| BG/N43 |
Current ratio suggests higher risk of financial stress |
Current ratio suggest potential higher risk of financial stress |
| BG/N44 |
Current ratio suggests lower risk of financial stress |
Current ratio suggest potential lower risk of financial stress |
| BG/N45 |
Accts pay/sales ratio suggests high risk of financial stress |
High Accounts payables to sales ratio suggests high risk of financial stress |
| BG/N46 |
Cash/total assets suggests lower risk of financial stress |
High cash to total assets suggests potential lower risk of financial stress |
| BG/N47 |
High inventory suggests higher risk of financial stress |
High inventory suggests potential higher risk of financial stress |
| BG/N48 |
Sales/working capital suggests lower risk of financial stress |
High sales to working capital suggests potential lower risk of financial stress |
| BG/N49 |
Low accts pay/sales suggest lower risk of financial stress |
Low accounts payables to sales suggest potential lower risk of financial stress |
| BG/N50 |
Low cash/total assets suggests high risk of financial stress |
Low cash to total assets suggests potential higher risk of financial stress |
| BG/N51 |
Low inventory suggests lower risk of financial stress |
Low inventory suggests potential lower risk of financial stress |
| BG/N52 |
Low profit after tax suggests high risk of financial stress |
Low net profit after tax suggests potential higher risk of financial stress |
| BG/N53 |
Sales/working capital suggests high risk of financial stress |
Low sales to working capital suggests potential higher risk of financial stress |
| BG/N54 |
Negative cash/total asset shows high risk of financial stress |
Negative cash to total assets ratio suggests high risk of financial stress |
| BG/N55 |
Negative profit after tax shows high risk of financial stress |
Negative net profit after taxes suggests high risk of financial stress |
| BG/N56 |
Negative net worth indicates high risk of financial stress |
Negative net worth for this firm indicates high risk of financial stress |
| BG/N57 |
Negative, missing networth shows high financial stress risk |
Negative or missing net worth suggests high risk of financial stress |
| BG/N58 |
Net profit after tax is unavailable for this firm |
Net profit after tax is unavailable for this firm |
| BG/N59 |
Net profit after tax suggests lower risk of financial stress |
Net profit after tax suggests potential lower risk of financial stress |
| BG/N60 |
Net worth suggest higher risk of financial stress |
Net worth suggest potential higher risk of financial stress |
| BG/N61 |
Net worth suggest lower risk of financial stress |
Net worth suggest potential lower risk of financial stress |
| BG/N62 |
Cash/total assets ratio suggests low risk of financial stress |
Positive cash to total assets ratio suggests low risk of financial stress |
| BG/N63 |
Positive profit after tax shows low risk of financial stress |
Positive net profit after taxes suggests low risk of financial stress |
| BG/N64 |
Positive net worth suggests low risk of financial stress |
Positive net worth suggests potential lower risk of financial stress |
| BG/N65 |
Quick ratio between the median and lower quartiles |
Quick ratio between the median and lower quartiles for this industry |
| BG/N66 |
Quick ratio between the median and upper quartiles |
Quick ratio between the median and upper quartiles for this industry |
| BG/N67 |
Quick ratio in the lower quartile for this industry |
Quick ratio in the lower quartile for this industry |
| BG/N68 |
Quick ratio in the upper quartile for this industry |
Quick ratio in the upper quartile for this industry |
| BG/N69 |
Quick ratio suggest higher risk of financial stress |
Quick ratio suggest potential higher risk of financial stress |
| BG/N70 |
Quick ratio suggest lower risk of financial stress |
Quick ratio suggest potential lower risk of financial stress |
| BG/N71 |
Return on assets is between the median and lower quartiles |
Return on assets is between the median and lower quartiles for this industry |
| BG/N72 |
Return on assets is between the median and upper quartiles |
Return on assets is between the median and upper quartiles for this industry |
| BG/N73 |
Return on assets is in the lower quartile for this industry |
Return on assets is in the lower quartile for this industry |
| BG/N74 |
Return on assets is in the upper quartile for this industry |
Return on assets is in the upper quartile for this industry |
| BG/N75 |
Total liab/networth between the median and lower quartile |
Total liabilities to net worth ratio between the median and lower quartiles |
| BG/N76 |
Total liab/networth between the median and upper quartiles |
Total liabilities to net worth ratio between the median and upper quartiles |
| BG/N77 |
Total liab/networth in the lower quartile for this industry |
Total liabilities to net worth ratio in the lower quartile for this industry |
| BG/N78 |
Total liab/networth in the upper quartile for this industry |
Total liabilities to net worth ratio in the upper quartile for this industry |
| BG/N79 |
Total liab/networth suggest higher risk of financial stress |
Total liabilities to net worth suggest potential higher risk of financial stress |
| BG/N80 |
Total liab/networth suggest low risk of financial stress |
Total liabilities to net worth suggest potential lower risk of financial stress |
| BG/N81 |
Indication of lower risk industry classification. |
Indication of lower risk industry classification. |
| BG/N82 |
Indication of higher risk industry classification. |
Indication of higher risk industry classification. |
| BG/N83 |
No Business or Management Record present for this firm. |
No Business or Management Record present for this firm. |
| BG/N84 |
Company Type suggests higher risk. |
Company Type suggests potential higher risk. |
| BG/N85 |
Company Type suggests lower risk. |
Company Type suggests potential lower risk. |
| BG/N86 |
Company size suggests higher risk. |
Company size suggests potential higher risk. |
| BG/N87 |
Company size suggests lower risk. |
Company size suggests potential lower risk. |
| BG/N88 |
Payment experiences suggests higher risk. |
Payment experiences suggests potential higher risk. |
| BG/N89 |
Payment experiences suggests lower risk. |
Payment experiences suggests potential lower risk. |
| BG/N90 |
Business owns facilities. |
Business owns facilities. |
| BG/N91 |
Financial statement age suggests low risk of financial stress |
Age of financial statement suggests potential lower risk of financial stress. |
| BG/N92 |
Financial statement age suggest high risk of financial stress |
Age of financial statement suggests potential higher risk of financial stress. |
| BG/N93 |
No record of open lien(s), or judgements in the D&B files. |
No record of open lien(s), or judgements in the D&B files. |
| BG/N94 |
Financial condition is UNBALANCED. |
Financial condition is UNBALANCED. |
| BG/N95 |
No open record of suit(s) in the D&B files. |
No open record of suit(s) in the D&B files. |
| BG/N96 |
Higher Financial Stress compared to its national average. |
Higher in relation of Financial Stress Class to its national average. |
| BG/N97 |
Lower Financial Stress compared to its national average. |
Lower in relation of Financial Stress Class to its national average. |
| BG/N98 |
Higher Financial Stress compared to its industry average. |
Higher in relation of Financial Stress Class to its industry average. |
| BG/N99 |
Lower Financial Stress compared to its industry average. |
Lower in relation of Financial Stress Class to its industry average. |
| BG/NA0 |
Net profit figure suggests higher risk of financial stress. |
Net profit figure suggests potential higher risk of financial stress. |
| BG/NA1 |
Net profit figure suggests lower risk of financial stress. |
Net profit figure suggests potential lower risk of financial stress. |
| BG/NA2 |
No financial statement available for the last 3 years. |
No financial statement within the last 3 years available in D&B files. |
| BG/NA3 |
Profitability ratios suggests high risk of financial stress. |
Profitability ratio(s) suggests potential higher risk of financial stress. |
| BG/NA4 |
Profitability ratios suggests lower risk of financial stress. |
Profitability ratio(s) suggests potential lower risk of financial stress. |
| BG/NA5 |
Revenue performance suggests higher risk of financial stress. |
Revenue performance suggests potential higher risk of financial stress. |
| BG/NA6 |
Revenue performance suggests lower risk of financial stress. |
Revenue performance suggests potential lower risk of financial stress. |
| BG/NA7 |
Solvency ratios suggests higher risk of financial stress. |
Solvency ratio(s) suggests potential higher risk of financial stress. |
| BG/NA8 |
Solvency ratios suggests lower risk of financial stress. |
Solvency ratio(s) suggests potential lower risk of financial stress. |
| BG/NA9 |
Positive net worth is present for this firm |
Positive net worth is present for this firm |
| BG/NB0 |
Indication of Court litigations pending in D&B files. |
Indication of one or more Supreme Court, District Court or Small Claim Tribunal litigation pending in D&B files. |
| BG/NB1 |
No open record of District court suit(s) in last two years. |
No open record of District court suit(s) in last two years. |
| BG/NB2 |
Amount of High Credit suggests low risk of financial stress. |
Amount of High Credit suggests potential lower risk of financial stress. |
| BG/NB3 |
Amt of High Credit suggests high risk of financial stress. |
Amount of High Credit suggests potential higher risk of financial stress. |
| BG/NB4 |
% of Trade Past Terms suggests high risk of financial stress. |
Percentage of Trade Past Terms suggests potential higher risk of financial stress. |
| BG/NB5 |
% of Trade Past Terms suggests low risk of financial stress. |
Percentage of Trade Past Terms suggests potential lower risk of financial stress. |
| BG/NB6 |
Amt of Trade Past Due suggests high risk of financial stress. |
Amount of Trade Past Due suggests potential higher risk of financial stress. |
| BG/NB7 |
Amt of Trade Past Due suggests low risk of financial stress. |
Amount of Trade Past Due suggests potential lower risk of financial stress. |
| BG/NB8 |
Business does not have a parent or ultimate parent. |
Business does not have a parent or ultimate parent. |
| BG/NB9 |
Business has a parent or ultimate parent. |
Business has a parent or ultimate parent. |
| BG/NC0 |
Number of Principals suggests high risk of financial stress. |
Number of Principal Owners suggests potential higher risk of financial stress. |
| BG/NC1 |
Number of Principals suggests low risk of financial stress. |
Number of Principal Owners suggests potential lower risk of financial stress. |
| BG/NC2 |
Business has registered charges against. |
Business has registered charges against. |
| BG/NC3 |
Business does not have registered charges against. |
Business does not have registered charges against. |
| BG/NC4 |
Indication of Supreme Court litigation pending in D&B files. |
Indication of pending Supreme Court litigation pending in D&B files. |
| BG/NC5 |
No record of Supreme Court Litigation in last 2 years. |
No record of Supreme Court Litigation against in last 2 years. |
| BG/NC6 |
Minimum Slow Days suggests higher risk of financial stress. |
Minimum Slow Days suggests potential higher risk of financial stress. |
| BG/NC7 |
Minimum Slow Days suggests lower risk of financial stress. |
Minimum Slow Days suggests potential lower risk of financial stress. |
| BG/NC8 |
Payment experiences for this firm are 30+ days past due. |
Payment experiences exist for this firm which are 30 or more days past due. |
| BG/NC9 |
Payment experiences for this firm are 90+ days past due. |
Payment experiences exist for this firm which are 90 or more days past due. |
| BG/ND0 |
No Record of facilities ownership in D&B file. |
No Record of facilities ownership in D&B file. |
| BG/ND1 |
No record of Litigation within the last 2 years. |
No record of Litigation within the last 2 years. |
| BG/ND2 |
Yrs under Curr. Mgt. suggests high risk of financial stress. |
Company Years under Current Management Control entered in D&B files suggests potential higher risk of financial stress. |
| BG/ND3 |
Yrs. under Curr. Mgt. suggests low risk of financial stress. |
Company Years under Current Management Control entered in D&B files suggests potential lower risk of financial stress. |
| BG/ND4 |
No fiscal financial statement available for the last 2 years. |
No fiscal financial statement within the last 2 years available in D&B files. |
| BG/ND5 |
Clear D&B Record present for this firm. |
Clear D&B Record present for this firm. |
| BG/ND6 |
(Net Worth-Issued Capital)/Total Liab suggests high risk. |
(Net Worth minus Issued Capital) to Total Liabilities Ratio suggests higher risk of financial stress. |
| BG/ND7 |
(Net Worth-Issued Capital)/ Total Liab suggests low risk. |
(Net Worth minus Issued Capital) to Total Liabilities Ratio suggests lower risk of financial stress. |
| BG/ND8 |
Indicates negative (net worth minus issued capital). |
Information in D&B files indicates negative (net worth minus issued capital). |
| BG/ND9 |
Indicates positive (net worth minus issued capital). |
Information in D&B files indicates positive (net worth minus issued capital). |
| BG/NE0 |
Financial statement is more than 12 months old. |
Financial statement is more than 12 months old. |
| BG/NE1 |
Quick Ratio suggests lower risk of financial stress. |
Change in Quick Ratio suggests lower risk of financial stress. |
| BG/NE2 |
Change in Net Worth suggests lower risk of financial stress. |
Change in Net Worth suggests lower risk of financial stress. |
| BG/NE3 |
Change in Net Worth suggests higher risk of financial stress. |
Change in Net Worth suggests higher risk of financial stress. |
| BG/NE4 |
Quick Ratio suggests higher risk of financial stress. |
Change in Quick Ratio suggests higher risk of financial stress. |
| BG/NE5 |
Current Ratio suggests lower risk of financial stress. |
Change in Current Ratio suggests lower risk of financial stress. |
| BG/NE6 |
Current Ratio suggests higher risk of financial stress. |
Change in Current Ratio suggests higher risk of financial stress. |
| BG/NE7 |
Current Assets suggests higher risk of financial stress. |
Current Assets figure suggests potential higher risk of financial stress. |
| BG/NE8 |
Current Assets suggests lower risk of financial stress. |
Current Assets figure suggests potential lower risk of financial stress. |
| BG/NE9 |
The fiscal statement with D&B is more than 18 months old. |
The fiscal statement available in D&B files is more than 18 months old. |
| BG/NF1 |
Net profit suggests higher risk of financial stress. |
Net profit after tax suggests potential higher risk of financial stress. |
| BG/NF2 |
-ve net profit suggests higher risk of financial stress. |
Negative or missing net profit after taxes suggests potential higher risk of financial stress. |
| BG/NF3 |
Operating Profit suggests higher risk of financial stress. |
Operating Profit figure suggests potential higher risk of financial stress. |
| BG/NF4 |
Operating Profit suggests lower risk of financial stress. |
Operating Profit figure suggests potential lower risk of financial stress. |
| BG/NF5 |
Payment information indicates no negative payment comments. |
Payment information indicates no negative payment comment(s). |
| BG/NF6 |
Payment info indicate slow payments or negative comments. |
Payment info indicate slow payment(s) or negative comment(s). |
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