Extended12M report gives you everything provided by the FLASH report (MORE Score, credit limit, industry comparison over the past 3 years) plus:

• corporate registry;
• last 3 years annual accounts;
• partners and managers;
• potential public negativities, with details;
• 12 months free update, monitored.

With the Extended12M report you have the maximum quantity of information available to deeply understand a company's stability.

The Extended12M report is the second paid level on s-peek, and gives you some details:

Here you find all the company's contact details, its legal form, industry, current state, and if it's listed or not.

MORE Score

The MORE Score is calculated using the MORE methodology developed by modefinance, which is based on the analysis of a company’s economic and financial fundamentals to determine the balance between different areas. The core idea of MORE is that a company must be balanced in all aspects: the better the economic and financial balance, the better the assigned rating.

MORE Credit Limit

Credit Limit is the credit amount a company can request, with a detailed evaluation of the annual commercial credit allowable. modeFinance calculates the trustworthiness of a company based on the following factors:

• size;
• years in business;
• average number of suppliers;
• cost to suppliers;
• company's current assets, compared to the business industry;
• company's ability to repay debts (MORE Score).

Analysis of the assessment assigned

Here you can find an analysis of the assigned MORE Score, with an evaluation of each financial index. Additionally, you can find:

• Turnover (to understand the size of the observed company);
• profit and loss (to assess its profitability);
• equity (a useful figure for evaluating the company's solidity);
• total assets (which, when compared with equity, allows for an understanding of the company's level of indebtedness)."

You will be able to access the financial statements of the last three years.

Here you will find the corporate organization chart, partners' and managers' names.

The company's financial trends, through the public annual accounts, particularly:

• sales figure;
• profit and loss;
• equity;
• total assets.

You can review the company’s performance and its areas of solvency, liquidity, and profitability, comparing them with the previous three years and the industry average.

Thanks to these charts, it is immediately clear whether the company has a better or worse economic/financial profile compared to its sector.

The Extended12M report is monitored and updated for 12 months from purchase.  All updates within this period can be downloaded for free until the report expires.

 Please note that the measure of creditworthiness included in modeFinance's s-peek is not a "credit rating" as defined in accordance with the EU Regulation N. 1060/2009.