The FLASH report is the first paid report level available on s-peek, and gives you the following information:

• MORE Score
• MORE Credit Limit
• Black Records Flag
• Analysis of the MORE Score assigned by macro-areas
• Comparison with companies in the same sector

"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.

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).

A first general rating analysis is displayed through s-peek's color-coded system, based on:

• solvency;
• profitability;
• liquidity.

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

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.