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Allianz Trade Buyer Risk Consultation

How resilient is your business to bad debt? 

The global market is interconnected. A small disturbance can trigger a domino effect across supply chains.
Ensure your strategy can withstand unforeseen shocks with a comprehensive diagnostic check.

Identify your risks.
Take the 2-minute 
stress test.

Regional insolvency spikes and large firm failures are creating a dangerous ripple effect across APAC. We recently invited you to benchmark your resilience against these structural challenges. 

To help you benchmark your current risk strategy, we’ve developed a 2-minute Self-Insurance Stress Test. It’s designed specifically for APAC exporters to identify where vulnerabilities might be hiding in your customer base or supply chain.

Get your free credit check now!

How to check the financial health of your customers?

financial health check
  • You first need to collect the right information about your customers. Then you need to be able to detect the signals that things are likely to go wrong.
  • We can help you assess the financial situation of a company. We have deep and up-to-date information on over 83 million companies around the world. By using this information, you can decide with confidence on the terms on which you want to do business with them.

What factors define the creditworthiness of a company?

At Allianz Trade, we fix the solvency of a company with a risk score: the score 1 is excellent, the score 10 means that the company goes bankrupt. A number of factors define a company's creditworthiness:

  1. Solvency
    The solvency ratio indicates whether a company is able to meet its short- and long-term payments and refunds. The solvency ratio calculates how much of the total capital is debt and how much is equity. The higher the share of equity, the better the solvency of a company.
  2. Cash
    Our risk analysts check whether a company has sufficient liquidity to refund short-term debts. When a business has many suppliers with long-term payment terms, or when it has no cash resources, the continuity of this company is seriously compromised. If a supplier demands payment of a debt, the company can’t afford it. This has a negative effect on the solvency of a company.
  3. Turnover and profit
    We also take this information into account when defining the creditworthiness of a company. The more profit there is, the better the solvency of company.
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How solvent are your customers?

With this creditworthiness check you get a risk assessment of 3 customers or prospects. This allows you to better assess whether these customers will pay your invoices now and in the future.

Choose security

Entrepreneurs prefer to focus on their own business. And we understand that very well. That’s why, with our trade credit insurance solutions, we keep your company safe. You no longer have to stay awake when a large invoice might go unpaid. Trade credit insurance offers you payment security. It saves you many troubles and you can fully focus on what really matters to you. Trade credit insurance does not promise that there will be no default of payment, but we suffer the consequences for you.