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|
| CREDIT INFORMATION SCORE
HISTORY AND TRENDS |
| The overall Risk associated
with this business - Will I get paid? |
| This business has a current Credit
Information Score of 34 |
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|
| Credit Information Score is calculated using the
following matrix |
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|
|
| Active in
Equifax database for (years) |
0-1 |
1.1-2 |
2.1-4 |
4.1-9 |
9.1+ |
|
Score |
10 |
8 |
6 |
4 |
0 | |
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|
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|
|
| Current Payment
Index |
51+ |
41-51 |
31-40 |
21-30 |
0-20 |
|
Score |
10 |
7 |
5 |
4 |
0 | |
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| Number of trade
payment references in last 90 days |
0-1 |
2-3 |
4-6 |
7-10 |
11+ |
|
Score |
10 |
8 |
5 |
3 |
0 | |
|
|
|
|
|
|
|
| Last quarter
Payment Index vs. same quarter last year (point
difference) |
41+ |
21+40 |
11+20 |
6-10 |
0-5 |
|
Score |
10 |
8 |
6 |
4 |
0 | |
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|
| Number of
derogatory items in last 2 years |
10+ |
8-9 |
5-7 |
2-4 |
0-1 |
|
Score |
10 |
8 |
5 |
3 |
0 | |
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|
| How recent was
last derogatory item (months) |
1-2 |
3-4 |
5-6 |
7-12 |
12+ |
|
Score |
10 |
7 |
4 |
3 |
0 | |
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| Amount
derogatory items as a % of dollars now owed to
suppliers |
100% |
51-99% |
11-50% |
1-10% |
0% |
|
Score |
10 |
8 |
5 |
2 |
0 | | | |
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| The Risk Trend Numbers over the last three
years |
| Quarters |
Credit
Information
Score |
Number of
Suppliers |
Total
Owing |
Current
$ |
1st |
Overdue
Periods
2nd |
3rd |
| 1st Qtr/2003 |
52
|
15 |
$245,640 |
$153,025 |
$84,796 |
$34
|
$7,785 |
| 4th Qtr/2002 |
32
|
12 |
$329,996 |
$214,358 |
$109,840 |
$5,798 |
$0
|
| 3rd Qtr/2002 |
23
|
12 |
$300,861 |
$225,559 |
$75,256 |
$46
|
$0
|
| 2nd Qtr/2002 |
0
|
12 |
$77,618 |
$39,890 |
$35,445 |
$2,283 |
$0
|
| 1st Qtr/2002 |
0
|
10 |
$227,403 |
$122,083 |
$104,557 |
$614 |
$1,491 |
| 4th Qtr/2001 |
0
|
20 |
$162,469 |
$131,273 |
$26,440 |
$4,263 |
$493 |
| 3rd Qtr/2001 |
0
|
18 |
$165,187 |
$100,359 |
$61,723 |
$2,667 |
$438 |
| 2nd Qtr/2001 |
0
|
15 |
$113,142 |
$68,167 |
$35,485 |
$95
|
$9,395 |
| 1st Qtr/2001 |
19
|
15 |
$393,671 |
$248,210 |
$135,408 |
$3,691 |
$6,092 |
|
| * Refer to graph in Report Summary section. |
|
| PAYMENT INDEX HISTORY AND
TRENDS |
| What are the
suppliers to this business telling us? |
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| This business has a current Payment Index of 40 |
|
| The Payment Index is similar to
"days beyond terms". The following ranges were calculated as
benchmarks: |
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|
| Payment Index |
% of
database |
The Payment Index ranges
from fast paying 0 to slow paying 100 |
| 0 |
65 |
All trade suppliers are reporting
being paid within terms |
| 1-10 |
8 |
Average days to pay is slightly beyond
terms |
| 11-20 |
6 |
Average days to pay is 10 to 20 days
beyond terms |
| 21-30 |
5 |
Average days to pay is 20 to 30 days
beyond terms |
| 31-40 |
6 |
Average days to pay is 30 to 40 days
beyond terms |
| 41-90 |
5 |
Only 5% of businesses in Equifax's
database fall into that range |
| 91-100 |
3 |
All trade suppliers are reporting
being paid in the third period past due or not at all |
| NA |
NA |
No trade suppliers reported to Equifax
in the indicated time period | |
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|
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|
|
|
| 1st Qtr/2003 |
52
|
15 |
$245,640 |
$153,025 |
$84,796 |
$34
|
$7,785 |
| 4th Qtr/2002 |
42
|
12 |
$329,996 |
$214,358 |
$109,840 |
$5,798 |
$0
|
| 3rd Qtr/2002 |
NA
|
12 |
$300,861 |
$225,559 |
$75,256 |
$46
|
$0
|
| 2nd Qtr/2002 |
15
|
12 |
$77,618 |
$39,890 |
$35,445 |
$2,283 |
$0
|
| 1st Qtr/2002 |
5
|
10 |
$227,403 |
$122,083 |
$104,557 |
$614 |
$1,491 |
| 4th Qtr/2001 |
0
|
20 |
$162,469 |
$131,273 |
$26,440 |
$4,263 |
$493 |
| 3rd Qtr/2001 |
0
|
18 |
$165,187 |
$100,359 |
$61,723 |
$2,667 |
$438 |
| 2nd Qtr/2001 |
0
|
15 |
$113,142 |
$68,167 |
$35,485 |
$95
|
$9,395 |
| 1st Qtr/2001 |
19
|
15 |
$393,671 |
$248,210 |
$135,408 |
$3,691 |
$6,092 | |
| * Refer to graph in Report Summary section. |
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| CREDIT REFERENCES |
In some situations,
payments beyond terms can be a result of misplaced invoices or
disputed accounts. Equifax reports trade items as they are received
and as such they represent an historical experience. An outstanding
amount on this report is not necessarily still outstanding
today. |
| |
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|
| Twenty-five
most RECENT Credit References* |
| Supplier |
Date
Reported |
High
Credit |
Total
Owing |
Current |
1st |
Past Due
Periods
2nd |
3rd |
| EQUIFAX
COMMERCIAL |
Oct 2003 |
$2,555 |
$2,555 |
$2,555 |
$0
|
$0
|
$0
|
| LEASING
CO. |
Oct 2003 |
$1,880 |
$460 |
$460 |
$0
|
$0
|
$0
|
| TIRE
CO. |
Oct 2003 |
$70,000 |
$70,000 |
$60,000 |
$5,000 |
$3,000 |
$2,000 |
| INTERNATIONAL
INC |
Oct 2003 |
$25,000 |
$15,000 |
$14,500 |
$500 |
$0
|
$0
|
| Total |
$99,435 |
$88,015 |
$77,515 |
$5,500 |
$3,000 |
$2,000 | |
| *If less than 25 on file, they
will all display. |
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| Ten LARGEST Credit References* |
| Supplier |
Date
Reported |
High
Credit |
Total
Owing |
Current |
1st |
Past Due
Periods
2nd |
3rd |
| TIRE
CO. |
Oct 2003 |
$70,000 |
$70,000 |
$60,000 |
$5,000 |
$3,000 |
$2,000 |
| INTERNATIONAL
INC |
Oct 2003 |
$25,000 |
$15,000 |
$14,500 |
$500 |
$0
|
$0
|
| EQUIFAX
COMMERCIAL |
Oct 2003 |
$2,555 |
$2,555 |
$2,555 |
$0
|
$0
|
$0
|
| LEASING
CO. |
Oct 2003 |
$1,880 |
$460 |
$460 |
$0
|
$0
|
$0
|
| Total |
$99,435 |
$88,015 |
$77,515 |
$5,500 |
$3,000 |
$2,000 | |
| *If less than 10 on file, they
will all display. |
|
| BANKING INFORMATION |
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|
| This Bank Report was obtained on: Apr 19,
2002 |
|
| Bank Name: |
BIG BANK OF CANADA |
| Bank Phone: |
(514) 555-5555 |
|
| Current Account
Opened: |
For more than 3 years |
| Current Account Balance: |
Low 6 figures to Medium 6
figures |
| Returned Cheques: |
25, In the last 3 months |
|
| This Bank Report was obtained on: Jan 01,
2001 |
|
| Bank Name: |
BANK NUMBER 2 |
|
| This Bank Report was obtained on: Apr 13,
2000 |
|
| Bank Name: |
BANK NUMBER 3 |
|
| Current Account
Opened: |
Jan 01, 1997 |
| Current Account Balance: |
Low 6 figures |
| Returned Cheques: |
None |
|
| Line of Credit authorized: |
8000 to 10000 |
| Rating on Line of Credit: |
|
| Secured? By what?: |
|
|
| Loan Details |
|
| Loan Date: |
Not available |
| Loan Amount: |
High 5 figures |
| Still Owing: |
High 5 figures |
| Rating: |
Not available |
|
| Signing Officer(s): |
Not available |
|
| This Bank Report was obtained on: Apr 13,
2000 |
|
| Bank Name: |
BANK NUMBER 4 |
|
| This Bank Report was obtained on: Apr 12,
2000 |
|
| Bank Name: |
BANK NUMBER 5 |
|
| Current Account
Opened: |
For more than 3 years |
| Current Account Balance: |
Low 5 figures |
| Returned Cheques: |
None, L3D |
|
| Signing Officer(s): |
Not available |
|
| This Bank Report was obtained on: Nov 09,
1998 |
|
| Bank Name: |
OTHER BANK |
|
| Current Account
Opened: |
For more than 3 years |
| Current Account Balance: |
Low 5 figures |
| Returned Cheques: |
None |
|
| This Bank Report was obtained on: May 14,
1998 |
|
| Bank Name: |
BANK NUMBER 6 |
|
| Current Account
Opened: |
May 01, 1992 |
| Current Account Balance: |
Medium 5 figures to High 5
figures |
| Returned Cheques: |
None |
|
| Current Account
Opened: |
Jan 02, 1998 |
| Current Account Balance: |
40000 to 50000 |
| Returned Cheques: |
235, In the current month |
|
| Current Account
Opened: |
Less than 1 year |
| Current Account Balance: |
Low 5 figures to Medium 5
figures |
| Returned Cheques: |
None, In the last 3
months |
|
| Current Account Balance: |
Low 5 figures |
|
| Line of Credit authorized: |
45000 to 50000 |
| Utilization of Line of Credit: |
|
| Secured? By what?: |
Not available |
|
| Loan Details |
|
| Loan Date: |
Less than 1 year |
| Loan Amount: |
50000 to 67000 |
| Still Owing: |
Low 4 figures |
| Rating: |
Not available |
|
| Signing Officer(s): |
FILE TEST
JOHN TEST
2 signatures
required |
|
| |
| Other files
included in this report |
| Equifax has received information
that the following names and addresses are related to this business. These
could be: different spelling of the business name, former addresses or
names, branch locations whose invoices are paid from on central locations,
PO Box addresses, etc. Regardless of which address you've chosen to pull
this report for, the information is identical. |
|
| A B C HOMES LTD., 11
GREENBRIER CRES, NORTH BAY, ON, L1H1H1 |
| ABC HOMES LTD, 206, 2
ATHABASCA AVENUE, MONTREAL, QC, H1H1H1 |
|
| DEROGATORY
ITEMS |
|
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|
| Information from the Office of the Superintendent of
Bankruptcy |
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|
| Type of Action: |
Petition for Receiving
Order |
| Date Received from
Source: |
Apr 10, 2000 |
| Source of
Information: |
National Bankruptcy
Listing |
| Filing Date: |
Oct 01, 2003 |
| Province: |
|
|
| Estate
Information: |
MAISON ABC INC.
123 BL TEST EST
SUITE 200
NORTH BAY, ON
|
|
| Trustee
Information: |
TRUSTEE TEST
TORONTO, ON
Licence
Number: 99999 | |
|
|
| This report limits the display of Derogatory
items to a maximum of 10 in each category: returned cheques, collection
claims, legal suits, judgement and other (non-derogatory) legal items.
|
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|
| OTHER INFORMATION ON THIS
BUSINESS |
|
| This section contains additional information
on this business obtained by Equifax. This information is not included in
our scoring models and is presented for your information. |
|
|
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|
| Incorporation |
| Effective Date: |
Jan 12, 1990 |
| Number: |
12345678 |
| Location: |
Provincial Charter,
Ontario |
| Operation
since: |
Jan 12, 1980 |
| Comments: |
Apr 01, 2000, MAISON ABC
INC
FICHIER CORPORATIF DU QUEBEC
DATE RAPPORTEE:3
DECEMBRE 1999
DATE D'IMMATRICULATION:4 JANVIER 2000.NOMBRES
D'EMPLOYES:
AUCUN.DERNIERE DECLARATION ANNUELLE:26 MAI
1999.ADRESSE
DOMICILE:2006 BOUL. TEST,
JONQUIERE,QC,H1H1H1.GENRE
D'AFFAIRE:EXPLOITATION BATIMENTS
RESIDENTIELS ET DE LOGEMENT
|
|
| Effective Date: |
Apr 12, 1997 |
| Number: |
12345678 |
| Location: |
Provincial Charter,
Ontario |
| Operation
since: |
|
| Comments: |
Nov 03, 1999, MAISON ABC
INC
FICHIER CORPORATIF DU QUEBEC: ADRESSE DOMICILE:
123,BL
TEST EST SUITE 200,MTL,PQ.DERNIERE
DECLARATION
ANNUELLE: 1999/10/01
Mar 15, 1999, 1234467
ONTARIO INC
ONTARIO CORPORATE REGISTRY: REGISTERED
ADDRESS:123,BLOOR ST,
TORONTO,ON,L5T2L4.LAST ANNUAL REPORT:
1999-01-15.
| |
|
|
| Premises |
| Date Reported: |
Apr 01, 2000 |
| Description: |
Owned, Land Only |
| Address: |
123 BL TEST EST SUIT 200,
MONTREAL, PQ |
| Valuation
Source: |
Officer of Company |
| Value: |
$75,000 |
|
| Date Reported: |
Apr 01, 2000 |
| Description: |
Owned, Buildings |
| Address: |
123 BL TEST EST SUIT 200,
MONTREAL, PQ |
| Valuation
Source: |
Officer of Company |
| Value: |
$250,000 |
|
| Date Reported: |
Nov 03, 1999 |
| Description: |
Owned, Buildings |
| Address: |
123 BL TEST EST SUITE 200 MTL PQ
H1H1H1 |
| Valuation
Source: |
Officer of Company |
| Value: |
$1,000,000 |
|
| Date Reported: |
Apr 16, 1999 |
| Description: |
Rented, |
| Address: |
123,BLOOR ST,TORONTO
ON |
| Value: |
$0 | |
|
|
| Employees |
| Date Reported: |
Apr 01, 2000 |
| Description: |
Part Time,
20 | |
|
|
| Finances |
| Date Reported: |
Jul 23, 2002 |
| Description: |
Net Worth,
$1,000,000 |
|
| Date Reported: |
Jul 23, 2002 |
| Description: |
Sales, $25,000,000 |
|
| Date Reported: |
Apr 01, 2000 |
| Description: |
Sales, $500,000 |
|
| Date Reported: |
Apr 01, 2000 |
| Description: |
Net Worth,
$1,000,000 |
|
| Date Reported: |
Apr 01, 2000 |
| Description: |
A/P Amount, $50,000 |
|
| Date Reported: |
Apr 01, 2000 |
| Description: |
A/R Amount, $50,000 |
|
| Date Reported: |
Nov 03, 1999 |
| Description: |
Sales, $1,000,000 |
|
| Date Reported: |
Nov 03, 1999 |
| Description: |
Net Worth, $500,000 |
|
| Date Reported: |
Nov 03, 1999 |
| Description: |
A/R Amount, $50,000 |
|
| Date Reported: |
Nov 03, 1999 |
| Description: |
A/P Amount,
$30,000 | |
|
|
| Assets |
| Date Reported: |
Apr 01, 2000 |
| Description: |
Equipment,
$1,000,000 |
|
| Date Reported: |
Mar 15, 1999 |
| Description: |
Equipment, $500,000 |
|
| Date Reported: |
Apr 01, 2000 |
| Description: |
Equipment, $0 |
|
| Date Reported: |
Apr 01, 2000 |
| Description: |
Inventory, $100,000 |
|
| Date Reported: |
Mar 15, 1999 |
| Description: |
Inventory, $400,000 |
|
| Date Reported: |
Apr 01, 2000 |
| Description: |
Inventory,
$0 | |
|
|
| Officers/Owners |
| Date Reported: |
Apr 01, 2000 |
| Contact: |
JOHN TEST, President , Share:
100% |
| Address: |
123 BL TEST EST SUIT 200
MONTREAL, PQ, H1H 1H1 | |
|
|
| Other
Comments |
- May 23, 2002, TEST FILE MAISON ABC (DO NOT USE) THIS IS
A TEST FILE FOR ADDITIONNEL COMMENTS
| | |
|
| INQUIRIES ON THIS FILE |
|
| An inquiry is registered when a report on
this business is ordered by an Equifax Customer. Few or no inquiries may
indicate that a business is not an active credit seeker. Numerous
inquiries indicate that the business is an active credit seeker. Equifax
does not use this information to compute its risk scores. |
|
| However, you may want to consider the
following in you review:
Do the number of inquiries seem appropriate for a business that size?
Is this business shopping around for better supplier arrangements?
Are they having problems paying their current suppliers and looking
for credit from others unaware of their problems?
Are they expanding, moving locations or opening another office?
Are their current suppliers not meeting their current needs?
|
|
| The most recent inquiries in the past 24
months are listed here: |
|
|
|
| Inquiry Date |
Inquirer's
Name/Industry |
Telephone Number |
| Jan 06, 2004 |
ABC CO. |
(416) 555-5555 |
| Dec 17, 2003 |
TEST CO. |
(416) 555-5555 |
| Dec 17, 2003 |
Whl-Lumber |
(416) 555-5555 |
| Dec 17, 2003 |
SVCS-Business |
(416) 555-5555 |
| Dec 15, 2003 |
MFR-Lighting Pdts |
(416)
555-5555 | |
|
| CUSTOMER
SERVICE |
|
If you have any questions about this report, please call our customer
service center at 1-800-227-8800 or
416-227-8800.
If you are concerned about the content of
this report, please contact Equifax Commercial Relations department by
email at mailto:commercial.disclosure@equifax.com?Subject=Business
Credit Report - Questions? |
