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Suomen Asiakastieto Oy
Suomen Asiakastieto Oy is the leading business and credit information company in Finland. It provides business and credit information, expert services and customer-specified solutions for the support of credit granting and other financial decision-making.
For the use of customers, Asiakastieto has formed a product range of company and consumer data, with the help of which companies and corporations of all types and sizes can get the information they need. As exact information or prepared analyses. With the most modern equipment directly where the information is needed. As an independent service or as a total solution built together with experts.
Information
services
Classifications
Company analyses
and surveys
Monitoring
services
International
services
Publications
Customised
solutions
Contact data
Information
services
In the Internet
Online service or by phone
Company
information provides you with comprehensive
information on Finnish companies: basics, payments, payment defaults,
persons in charge, participation in companies, financial statement information,
audit information, shareholders and news summaries in electronic form
from hundreds of different sources.
Via the Trade Register link you get Trade Register extracts, Articles
of Association, partnership agreements and information on matters in process
directly from the Trade Register.
Consumer information contains payment default data on private persons. The payment default classification, requiring a separate contract, evaluates the significance of the data on the person’s creditworthiness.
The Population Register link provides a connection to Population Register data, from which you can fast check the personal data, address and legal capacity of a private person. Opening the connection requires a separate contract.
Risk Indicator is a low-cost, real-time risk classification, which evaluates the probability of a company to get into payment difficulties or go bankrupt within 12 months. The Risk Indicator rates all companies operating in Finland into five risk classes. Dozens of different factors influence the rating.
Rating Alfa is a creditworthiness classification of the financial standing of all companies operating in Finland and of their ability to meet their engagements. It is more in-depth and extensive than the Risk Indicator. The classification is shown on a seven-step scale from AAA to C. Our analysts participate in the classification of the company.
The Rating Alfa produced in a few seconds also includes the interpreted financial statement analysis, credit recommendation and other useful data about the company’s payments and background.
In the Rating Analysis, the analyst analyses the company’s finances, present status and future outlooks from the point of view of the inquirer’s needs and special questions. The financial statement analysis drawn on the basis of adjusted financial statements examine the financial development of the company in relation to previous financial years and the line of business.
The analyst also acquires the most up-to-date information, for example, on the current financial year of the company, the development of activities, competition and payment behaviour. The analysis contains the credit rating, credit recommendation and evaluation of the company’s payments, background and finances, given by the analyst.
Financial statement analyses are based on financial ratios, calculated on the basis of uniform grounds from as many as five financial years. Extensive profit and loss account and balance sheet data of companies in more than 500 lines of business form the basis for the comparison.
Companies’ financial statements are adjusted according to the recommendations of the Committee for Corporate Analysis, utilising the notes to the accounts. The adjustments are made before calculating the ratios so that different companies and financial years can be made comparable with each other. The analysis report also contains the company basics, other registration data and data concerning the audit of the accounts.
Our expert and experienced personnel analyses the Finnish trade and industry also from a wider angle, for example, in the form of industry analyses.
The Monitoring monitors the development of the financial standing of client groups and business partners on behalf of credit controlling, sales, invoicing or management. It notifies about payment defaults, changes of name and company form, mergers and dissolutions on a daily basis. You can also choose other single pieces of information to be monitored; for example, changes of ratings. The client can define both the subjects and matters to be monitored.
Vahti is a service intended for the monitoring of small groups of companies. It offers versatile data for the support of your own client and ledger data. As the Monitoring, Vahti fast relays information about changes taking place in the client’s situation.
As its name indicates, Vahti 100 is a service monitoring about one hundred selected company clients. It operation mode is similar to the services above.
BIGNet Nordic is a comprehensive creditworthiness analysis on Nordic companies, entrepreneurs or consumers, produced real-time. BIGNet Compact is the respective report assembling business, credit and financial data about companies operating in other West-European countries. Besides credit recommendation and data about payments, the company reports include useful information on financial statements and ratios, persons in charge and owners, in Finnish
Through our international cooperation networks, we also provide credit information reports about companies in over 100 countries.
The
journal Luottolista is a journal in the credit line, published
24 times annually. The journal contains 16 pages of up-to-date articles
about the credit line, financing and entrepreneurship, along with background
information. Luottolista also publishes the newest payment default data
on companies and consumers, and the companies with the best creditworthiness.
The payment default data of the journal is gathered to Luottolista
books four times a year.
The journal Konkurssi contains new bankruptcy and company restructuring
data, which again is gathered to the Konkurssit books. The bankruptcy
and company restructuring petitions filed the previous day are published
in Konkurssiuutiset every working day.
We also publish a series of researches, Velkakierre, of up-to-date phenomena in the credit line. The free publication issued twice a year presents researches in the credit line as researcher articles.
Customised solutions
Together with our clients, we implement customised solutions, designed to support decision-making and standardise operations. We have also developed complete service systems and technical solutions to support the automation of credit decisions or the processing of orders.
Our database and expertise is also available to companies when they wish to analyse their own clientele or to look for new, profitable target groups.
We also organise training seminars that aim at the development of operations in credit granting and professional know-how.
Suomen
Asiakastieto Oy
Hermannin rantatie 6,
PL 16, 00580 Helsinki
phone +358 10 270 7000
www.asiakastieto.fi
Customer
service (also orders for Voitto)
phone +358 10 270 7200
asiakaspalvelu@asiakastieto.fi
Technical problems:
Sales (also technical problems concerning Voitto)
phone +358 10 270 7200
myynti@asiakastieto.fi