Credit risk
Banks, credit unions and agricultural lenders
An agricultural loan book needs a fast, objective creditworthiness signal, but public financial statements are scattered and slow to collect. Decisions are often made with too little structured data.
- One number to assess risk - a 0-100 financial risk score computed from real balance sheets, ready for onboarding and limits.
- Portfolio review and early warning: see which borrowers are sliding towards insolvency before payments fall behind.
- Peer comparison - revenue percentile and margin context show whether a company is strong within its group.
- One consistent, auditable method for the whole portfolio instead of reading statements by hand.
GET /v1/companies/{code}/riskrisk score, solvency (equity/assets), leverage (liabilities/assets), margin, insolvency flag, revenue percentile
GET /v1/risk/distressedhighest-risk companies for watch lists
GET /v1/market/overviewloss-making and insolvency rates as context
- Does this replace a credit decision?
- No. It is an objective input signal for screening, monitoring and limits - you decide under your own policy. It is not a credit recommendation.
- Where do the financial data come from?
- From the annual financial statements filed with the Centre of Registers (Registrų centras). The score is a transparent composite of margin, solvency and leverage.