Allianz Trade Grade Check

1. Large and exceptional companies: These companies demonstrate exceptional credit quality, strong financial performance, and fulfil all necessary requirements. They are often industry leaders with robust financial metrics.
2. Large and strong companies: Like the first category, these companies have strong credit quality, meet all requirements, and are considered very reliable.
3. Good companies of any size: These companies are generally in good standing, though there may be some adverse information, it is limited. They maintain a stable financial position throughout the cycle
4. Above average companies of any size: These companies show a positive outlook and resilience. While there may be some adverse information, it is limited and does not significantly impact their overall performance which are considered as above average.
5. Average companies of any size: These companies are stable and meet average standards in terms of credit quality or financial performance.
6. Substandard performance and/or financial flexibility: Companies in this category may struggle with performance and have limited financial flexibility. They may be at risk of facing financial difficulties.
7. Companies showing the first signs of distress: These companies are beginning to show signs of financial distress, which could lead to more significant issues if not addressed. Limited financial transparency or adverse information received.
8. Companies in distress: These companies are actively experiencing financial distress and are at risk of default or bankruptcy if conditions do not improve.
9. Very high risk of default: Companies in this category are at a very high risk of defaulting on their obligations. They face severe financial challenges.
10. Failed companies: These companies have already defaulted or are in the process of liquidation or bankruptcy.

Allianz Trade is the global leader in trade credit insurance and credit management, offering tailored solutions to mitigate the risks associated with bad debt, thereby ensuring the financial stability of businesses. Our products and services help companies with risk management, cash flow management, accounts receivables protection, surety bonds, and e-commerce credit insurance ensuring the financial resilience for our client’s businesses. Our expertise in risk mitigation and finance positions us as trusted advisors, enabling businesses aspiring for global success to expand into international markets with confidence.

Our business is built on supporting relationships between people and organizations, relationships that extend across frontiers of all kinds—geographical, financial, industrial, and more. We are constantly aware that our work has an impact on the communities we serve and that we have a duty to help and support others. At Allianz Trade, we are strongly committed to fairness for all without discrimination, among our own people and in our many relationships with those outside our business.