This chapter covers the following topics:
The D&B data products include over 150 separate data elements that are mapped to columns in the TCA Registry. The names of some of the D&B data elements are slightly different from the column names in the HZ tables.
Related Topics
Oracle eBusiness Suite Electronic Technical Reference Manual (eTRM)
The 8(A) Firms Indicator identifies a small business classified by the Small Business Administration as socially or economically disadvantaged. A value of Yes means the business is classified as disadvantaged. This indicator is available only for US companies.
The average high credit represents the median of the highest credit extended to the subject business over the past 12 months. The average is calculated by taking the sum of all high credit dollar amounts from unique supplier account experiences divided by the total number of account experiences.
This element group describes the amount and type of capital in the business. The amount and currency code specify the value. Type Indicator describes whether the amount is Issued Capital, Paid in Capital, Nominal, or Authorized. Paid Up or Issued Capital is the amount of capital pledged by shareholders at any given time and is calculated by multiplying the number of shares issued by the par value or face of each share. Some shares confer different obligations or voting rights on their owners. The share capital is a component of the equity of any company along with reserves and accumulated profits or losses. In the event of a liquidation of the business, any shares not yet paid up must be fully paid up at that time. Nominal or Authorized Capital refers to a maximum amount of set issued or paid-up capital beyond which the subject could not issue any further capital or shares.
The name of the individual identified as having the chief executive function. The CEO is the highest ranking person on site: President, Owner, Branch Manager, and so on. Some data products provide the individual's title along with the name.
The position title of the primary executive in the company.
Indicates if open claims, liens, protested bills, warrants, Social Securities Summons, or equivalent exist in the D&B database for the case company.
Automatically generated comments, as necessary.
Number of Commentary items.
The Commercial Credit Score (USA) is a statistically modeled D&B score indicating the risk of delinquent payments based on the information in D&B's files. The higher the score, the lower the probability of payment delinquency.
The Commercial Credit Score (USA) predicts the likelihood that a company will pay its bills in a severely delinquent manner (over 90 days past term) within the next twelve months. Severely delinquent is defined as a business with at least 25% of its payments slow and at least 10% of its payments 90 days or more past due.
This score is only available to D&B customers in the United States for businesses located in the United States.
This data product includes the Commercial Credit Score (USA) as well as other indicators of creditworthiness such as the D&B Credit Rating, the Paydex score, and bankruptcy information.
This score is only available to D&B customers in the United States for businesses located in the United States.
The Congressional District Code is a number that represents a congressional district of the United States.
The year that the present majority control or ownership of shares was established. Can be the same as Start Year.
The two character ISO code for the country where the business is located.
A number between 0 and 5 that indicates the risk of delinquent payments over the next 12 months.
A descriptive explanation of the Credit Score Class. It describes the risk of delinquent payment over the next 12 months.
The percentile places the business in a 1 to 100 rank order with 1 indicating the highest risk and 100 indicating the lowest risk among the other businesses in D&B's US database.
The Criminal Indicator provides an indication of whether criminal proceedings related to the case exist in D&B's database.
Default three character ISO currency code for figures in the data product.
The D&B Rating gives an indication of credit worthiness. The D&B Rating is normally divided into two parts, the financial strength code and the risk indicator reflects the risk associated with the business. The Financial Strength component is an indication of the size of the subject's tangible net worth (that is, the shareholders funds less any intangible assets) based primarily on the most recent fiscal balance sheet results. The Composite Appraisal component is linked to the level of risk and is an overall evaluation of credit worthiness. It takes into account the financial condition but also several nonfinancial factors such as trade payment history, length of operation, employee numbers, legal structure, management experience, and any adverse listings.
In some countries, D&B uses other information in its databases to assign an ER code (size by employee range) to businesses within specific industries or R ratings for companies without current financial statements on file. The Rating Interpretation Tables contain specific rating definitions and interpretation tables for countries around the world.
The date on which the Commercial Credit Score was generated.
A count of the debarments present in the D&B file.
The date of the last current debarment filing. This element is available only from the US.
A count of the US government debarments present in the D&B file and the date of the last current debarment filing.
The Credit/Delinquency Score is a statistically modeled D&B score indicating the risk of delinquent payments based on the information in D&B's files. The higher the Delinquency Score, the lower the probability of payment delinquency.
The US Delinquency Score predicts the likelihood that a company will pay its bills in a severely delinquent manner (over 90 days past term), or obtain legal relief from creditors, or cease operations without paying all creditors in full over the next 12 months, based on the information in D&B's files. Severely delinquent is defined as a business with at least 25% of its payments slow and at least 10% of its payments 90 days or more past due.
The Australian Delinquency Score measures the probability that a business will pay in a severely delinquent manner, defined as at least 10% of trade payments being more than 90 days beyond terms in the next 12 months.
The New Zealand Delinquency Score predicts the probability of severely delinquent payment within the next 12 months; however, the definition of severely delinquent is at least 20% of trade payments being more than 60 days beyond terms.
The Canadian Delinquency Score predicts the likelihood of a firm paying in a severely delinquent manner during the next twelve months where severely delinquent is defined as over 90 days past terms.
The Delinquency Score Class enables you to quickly segment your new and existing accounts into various risk segments to determine appropriate marketing or credit policies. The Class segments the data into five distinct risk groups where 1 represents businesses that have the lowest probability of severe delinquency, 5 represents businesses with the highest probability of severe delinquency. The Incidence of default relates the percentage probability of delinquency outcome for a score range/class.
The Credit (Delinquency) Score Commentary is a repeating field containing codes which explain the conditions driving the score assigned to the business.
The Delinquency Score Percentile illustrates where a company falls among businesses in the D&B information base, and is most effectively used to rank order portfolios from highest to lowest risk of business failure. The percentile is based on a 1 to 100 scale, where 1 represents businesses that have the highest probability of severe delinquency, and 100 which represents businesses with the lowest probability of severe delinquency.
Delinquency Score Override Code is populated for special case instances in Australia where the delinquency score is a special value (0, 893-895) or cannot be calculated.
Indicates if special events exist in the D&B database for the subject company concerning disasters such as fire, flood, earthquake, hurricane, and so on.
This group of elements provides the Domestic Ultimate Name, D-U-N-S Number, and country code in which the business is located. The Domestic Ultimate is the highest corporate family member in the same country as the subject business if you walk up the branch of the corporate family tree. A business may be its own domestic ultimate. The fields will be blank if the subject business is a single location (not linked) in the D&B database. The Domestic Ultimate Name is the legal business name. The Domestic Ultimate party can be a headquarters or a branch/division. A country can have more than one Domestic Ultimate organization. There will be a separate Domestic Ultimate party for each limb of a tree.
Indicates that a similarly named business should not be confused with the business undergoing review.
D-U-N-S, which stands for Data Universal Numbering System, is a 9-digit nonindicative identification number assigned by D&B to each separate commercial entity in the D&B database. Each record is given a different number. For businesses with multiple locations, each location is assigned its own unique D-U-N-S Number. This field is always populated and contains the D-U-N-S number of the business that all other data elements in the record describe.
The Employees Statistics group provides the total number of persons employed by this business and the number of persons at this physical address (excluding employees of branches or divisions who are not at this physical address). The Estimated or Actual and the Minimum, Maximum, or Average indicators qualify the data provided for the number of employees.
Identifier of case enquired upon, will be the same as D-U-N-S unless a trade up from a branch to a headquarters location has taken place.
Indicates that the D&B database contains information whether the business exports or not.
D&B's Failure Scores predict the probability of severe financial distress or failure. The Failure Score Commentary field is available only from the US and contains explanation codes for that particular score.
In the US, the calculated failure score (values 1,001 to 1,850) provides a direct relationship between the score and the level of risk. A 1,001 represents businesses that have the highest probability of financial stress, an 1,850 the lowest probability of financial stress. The marginal odds of being good doubles for each 40 point increase. For example, a score of 1,200, on a marginal basis, represents twice the risk of financial stress as a score of 1,240. This score enables you to use more granular cutoffs to drive your automated decision-making process. Failure scores are not calculated in the US for those businesses designated as Discontinued at This Location, Open Bankruptcy, Higher Risk, or Self Inquired D-U-N-S®. These records are automatically assigned a score of 0.
For Japan, the Failure Score (values 0 to 10) predicts the probability of closure (failure) in the next twelve months.
In Canada, where there is a Stability Score predicting the probability of business closure, instead of failure, the value in the Failure Score field is the Stability Score (values 1 to 10).
The Failure Score Class segments the data into five distinct risk groups where 1 represents businesses that have the lowest probability of financial stress, and 5 represents businesses with the highest probability of financial stress. This class enables you to quickly segment new and existing accounts into various risk segments to determine appropriate marketing or credit policies. The Incidence of default relates the percentage probability of failure outcome for a score range/class.
The Failure Score Commentary field is available only from the US and contains explanation codes for that particular score.
The percentile score of 1 to 100 indicates where a company falls among businesses in the local D&B information base, and is most effectively used to rank order portfolios from highest to lowest risk of business failure. A percentile score of 1 represents businesses that have the highest probability of financial stress, and a 100 which represents businesses with the lowest probability of financial stress. Percentile Scores are available from Western Europe, the US and Australia.
In Europe, the Failure Score Override Code indicates the reason for variance between the D&B Rating and Failure Score. European values are: 1 indicates severe negative information, 2 indicates minimal data, 3 indicates new business, 4 indicates out of business, 5 indicates miscellaneous information. In the US, the code indicates the reason no score was calculated or that the score is equal to 0. The US values are 6 indicates special events, 7 indicates business discontinued at this location, 8 indicates open bankruptcy. Override codes 9 to 19 will be used to indicate special case instances for Australia where the failure score is a special value (0, 900 to 995) or cannot be calculated.
The main facsimile number for the subject business.
Indicates whether a record exists of an open bankruptcy, receivership liquidation, discontinuance with unpaid obligations or an equivalent event related to the company in the D&B database. Other specific event categories relate to administrator appointments and orders, Meeting of Creditors, Wind Up Petitions and Statements of Insolvency.
Indicates whether special events exist in D&B's database that denote financial embarrassment or legal filings related to the business. These include Public Sales, Change of 50% of Assets, Public Filings, Letter of Liability, and Principals Antecedents – Bankruptcy.
D&B's Global Failure Score predicts the likelihood of a firm ceasing business without paying all creditors in full, or reorganizing, or obtaining relief from creditors under state or federal law over the next 12 months. D&B's Global Failure Score is only available as a raw score with a four-digit scale starting from 1001-1850.
The Global Failure Score is a single, uniform measure predicting risk of failure in any included country. Included countries are defined as those countries that have a statistical model that predicts business failure for companies within that country. In the score's first version, these countries are Australia, Belgium, France, Germany, Italy, Netherlands, Portugal, Spain, United Kingdom, and United States.
While the Global Failure Score is defined as a single, uniform measure predicting risk of failure in any country, the definition of failure can vary from country to country. Therefore the Global Failure Score may be different for Country A and Country B at the same approval rate.
In most cases Global Failure Score will be used in combination with Local Country Failure Scores. The Global Failure Score provides a globally standardized measure of failure risk, whereas the Local Country Failure Scores provides information on how a specific company is performing relative to its peers in the same country. Both of these scores are critical for decision making and portfolio management for global customer account and vendor portfolios. Global Failure Score Age and Date are reserved for future use and are not currently populated.
This group of elements gives you the Global Ultimate Name, its D-U-N-S number, and the Country Code in which it is located. The Global Ultimate is the highest member of the corporate family worldwide. Fields will be blank if the business has a single location in the D&B database. The Global Ultimate Name is the legal business name. The Country code is the two-character ISO code for the country in which the Global Ultimate is located.
Indicates if the subject location is a branch or division. Branches and/or divisions are typically other locations, apart from the headquarters or principal trading office, from which the organization conducts its business. However, a division can operate from the same location as the headquarters. The distinction is that a division will utilize a separate tradestyle name and have separate and distinct operations from that of the headquarters. Branches are not separate legal entities. Indicates whether the subject business is a branch, headquarters, or single location.
This group of data elements gives you the Headquarters Name, its D-U-N-S number and the Country Code in which it is located. If the case inquired upon is a branch or division, the Headquarters D-U-N-S, Name, and Country Code (two-character ISO code) will appear in these fields. Fields will be blank if the record is a single location (not linked) in the D&B database.
This is the value of the high end of the range of the Commercial Credit Score for which an incidence of delinquency percentage could be linked. If range is between 240 to 280, the high range score is 280.
Highest credit extended in the last 12 months.
Code indicating whether:
Detrimental information exists about the company in the D&B database. For example, a current or past bankruptcy.
Detrimental information exists about the management of the business in the D&B database. For example, a bankrupt affiliate.
Complete details exist about the management and company, but no detrimental information exists in the D&B database
Incomplete details exist on management or company, but no detrimental information exists in the D&B database.
The History Indicator is not available from all of D&B's databases, including Europe, Australia, and New Zealand.
Indicates whether the D&B database contains information that the business imports or not.
This value is the delinquency percentage for all firms in D&B's US database.
This value is the delinquency percentage for a specific Commercial Credit Score range.
The year the business incorporated. The Incorporation Year may or may not be the same as the year the business started.
The international telecommunications dialing code for the country in which the business is located.
Indicator of labor surplus area as defined by the United States Department of Labor and available only from the US.
A code indicating the legal structure of the business as registered with governmental authorities. Examples include LSC/102 (private limited company) or LSC/10 (general partnership).
Narrative description of the operations or activities of the business generated from the primary SIC code under which it is classified.
Local Activity Classification Code. This field contains only NACE codes where they are available. NACE codes are a statistical classification of economic activities of the European Community. The Local Activity Code Type indicates whether the NACE code in the Local Activity Code field is a four- or five-digit NACE.
The Local business ID Number field contains the primary business identification number assigned to the business by a government agency, Chamber of Commerce or association. The ID Type field contains the code representing the type of business identification number.
Indicates whether premises at physical address are owned or rented.
This value is the low end of the range of the Commercial Credit Score for which an incidence of delinquency percentage could be linked. If range is between 240 to 280, the low range score is 240.
Indicates that a business is minority-owned. This indicator is available only from the US.
The primary name of the business.
Conditional comment generated when negative payment comments are used.
Indicates if there are no trade experiences, or completed payment transactions, in the D&B files for this business.
Number of completed transactions, usually payment experiences.
Indicates whether special events exist in the D&B database that concern changes to the business' operations. These include categories such as name changes, management changes, changes of legal form, control, or capital; business wind up or closure; or moves.
Indicates that special events not otherwise specified exist in the D&B database for the business.
Indicates that the company has discontinued operations.
This group of data elements gives you the Parent Name, its D-U-N-S number and the Country Code in which it is located. The Parent company has a majority interest in the subject company. The subject company is then referred to as a 'Subsidiary.'
The D&B payment score (Paydex) is a score that assesses the payment performance of a business. Based on the trade experiences in D&B's database, the score corresponds to an average days beyond terms or within terms enabling you to predict when your existing or potential customer accounts are likely to pay. Derived from a dollar-weighted average of a company's combined individual payment experiences, it ranges from 0 to 100 with higher scores representing businesses which pay their bills more promptly. The Paydex Interpretation Tables contain interpretation tables for D&B's payment score for specific countries.
Paydex Score from 3 months ago.
The industry median or average Paydex score for the subject's line of business.
Indicates if the business has a relationship to a Parent or Headquarters that entered into bankruptcy.
Parent Name in Bankruptcy: Name of the parent company in bankruptcy proceedings.
Parent D-U-N-S Number in Bankruptcy: D-U-N-S number of the parent in bankruptcy.
Parent Bankruptcy Filing Counter: Number of bankruptcy filings by a parent. Includes the Parent Bankruptcy Filing Type, Parent Bankruptcy Chapter Number, and Parent Bankruptcy Filing Date.
Parent Bankruptcy Filing Type: The type of bankruptcy filed by the parent.
Parent Bankruptcy Chapter Number: The chapter of bankruptcy filed by the parent.
Parent Bankruptcy Filing Date: The date bankruptcy was filed by the parent (format YYYYMMDD).
Parent Bankruptcy Conversion Counter: Number of the bankruptcy conversion by the parent. Includes Parent Bankruptcy Conversion Date and Parent Bankruptcy Chapter Conversion.
Parent Bankruptcy Conversion Date: The date the bankruptcy was converted by the parent from one chapter type to another (format YYYYMMDD).
Parent Bankruptcy Chapter Conversion: Change of bankruptcy type.
Part of the physical address, the code identifying the geographic subsection of the city in which the business is located. Known as the ZIP code in the United States, post or postal code elsewhere.
The name of the town (according to the postal service) in which the business is located.
Standard Industrial Classification code. The four-digit SIC code is an index which describes the function (manufacturer, wholesaler, retailer or service) and the line of business in which the company is engaged.
Names and job titles of principal executives of case subject.
Type of registration. Field values are RTC/1 (cooperative), RTC/2 (federally chartered), RTC/3 (professional), RTC/4 (profit), RTC/5 (state chartered), RTC/6 (nonprofit).
Indicates whether open secured filings such as US UCC filings, secured charges/mortgages pledgings, or equivalent exist for the business in D&B's database.
The Supplier Evaluation Risk (SER) Rating predicts the likelihood of a firm ceasing business without paying all creditors in full, or reorganizing, or obtaining relief from creditors under state or federal law over the next 12 months. A rating of 1 represents the lowest risk factor while 9 represents the highest risk.
Version of SIC. Values are 1972 (used in Europe and Australia), 1977 (used in Canada), and 1987 (used in the US).
Conditional comment generated when Paydex score is used or slow trade experiences are present.
Indicates business is classified as a small business by the Small Business Administration (SBA). This indicator is available only from the US.
Address line of physical location. Will also contain, if available, building name and neighborhood in separate lines.
Indicates whether open suits, judgment, petitions or payment remarks exist in the D&B database for the company.
The Tangible Net Worth field contains equity of the business after all liabilities have been deducted from assets and any intangible assets have been disregarded. The Tangible Net Worth Indicator qualifies the amount, indicating whether it is actual or estimated. In some databases, the indicators and value may be in the alphanumeric Tangible Net Worth Text field. In Australia, there may be a code G after the value meaning that the figure is taken from a consolidated or group financial statement that will include the financial results of the subject's affiliates or sister subsidiaries as well.
The main telephone number of the business. Different countries may have telephone numbers of varied lengths which may or may not include the country or city access codes. Each country does have an access code (contained in the International Dialing Code field) which must be used when dialing cross-border into that country.
The figure contained in the Total Employees field indicates the number of persons employed by the subject. The Total Employees Composition Table indicates if the value from a particular country will include subsidiaries, branches, or divisions. Some databases also include the indicator fields that tell you if subsidiaries are included or whether the Total Employees value is:
Estimated or actual
Minimum, maximum, or average
In some databases, the indicators and value may be contained in a combined alphanumeric field. This type of data will be delivered in the Total Employees Text field. For example, in Australia, if a G appears after the number, it indicates that the figure is a group figure.
Indicates business is woman-owned. This indicator is available only in the US.
The total number of payment experiences contained in D&B's database for the subject company.
Trade Styles are additional business names used by the company – also referred to as a DBA (doing business as) or AKA (also known as) names. In some jurisdictions, these names are shown to be registered to, and therefore owned by, a company. They are used to secure the name, advertise a particular product or to distinguish between different parts of the company's operations or divisions. These names are registered in the same way as a business or firm, with the responsible authority.
The year that the organization actually commenced present operations. If the business was formed to acquire or continue the operations of a preexisting business, then the start date may reflect this original start date.
Amount of merchandise purchased on credit and not paid for by the balance sheet date. Also known as Trade Creditors. In Italy, Accounts Payable include Cambiali Creditors where applicable.
Amount of sales made and billed to customers on credit terms, but not yet paid. This is money owed by customers and not yet received. Also called Trade Debtors. The value may or may not be net of bad debts. In Italy, Accounts Receivable include Cambiali Debtors where applicable.
Indicates whether D&B has been able to determine whether the financial statement was prepared by audit. Not populated by all country databases. The Financial Statement Quality Table provides a description of the types/quality of financial statements loaded into various D&B country databases.
Amount of cash on hand and in banks and other liquid assets where available.
Indicates whether statement is consolidated or not.
Cost of Sales (or Cost of Goods Sold where applicable) from the Profit & Loss or Income Statement.
Current Assets divided by Current Liabilities. For Italy, the Current Ratio is calculated by Total Current Assets – Stock Depreciation – Bad Debts) / Total Current Liabilities. For Belgium, the Current Ratio = Total Current Assets / (Total Current Liabilities + Regularization Account.
Dividends paid to shareholders.
Indicates whether the financial statement figures are estimated or actual. Not populated by all country databases.
Indicates whether the financial statement period is 12 months or not. Not populated by all country databases.
Indicates if financial statement figures are the final closing statement for a business which has ceased trading. Not populated by all country databases.
Amount of tangible property owned by a business that has a life longer than one year such as buildings, equipment and land. Should be the net cost (original cost minus depreciation and revaluation).
Indicates financial statement figures are future projections. Only present in Taiwan.
Amount left over after deducting the Cost of Goods sold from Net Sales. May be negative.
Date of Income or Profit & Loss Statement. Applies where no start or end dates are supplied.
Total of intangible assets (goodwill, patents, research and development, nonissued capital, organizational expenses). May or may not be net of depreciation or amortization.
Includes merchandise on hand that is ready to be sold. May also include work in progress plus raw materials minus depreciation.
Long Term (Financial) Debt owed by the business. Includes categories such as minority interest, convertible debentures (over one year), debentures, mortgages, loans, hire purchases due after one year, and pension debt due to group companies or participants. Excludes categories such as provisions and allowances.
Amount left over after all expenses and taxes are deducted. Also called Net Profit or Loss after Taxes.
Total amount of Equity (Net Worth). Includes capital stock, retained earnings treasury stock, and so on – is not the Tangible Net Worth. May be negative.
Indicates figures that are the opening statement for the business. Not populated by all country databases.
Starting Date of Profit and Loss Statement.
Ending Date of Profit and Loss Statement.
Previous Net Worth minus intangibles. May be negative to reflect a deficit net tangible worth position.
Net sales for previous period.
Date of previous financial statement. May be full date, month and year, or year only.
Working Capital (Current Assets minus Current Liabilities) for previous period. For Italy, Working Capital is calculated as follows: Total Current Assets – Stock Depreciation – Bad Debts – Total Current Liabilities. For Belgium, Working Capital is calculated as follows: Total Current Assets – (Total Current Liabilities + Regularization Account).
Profit before tax, will appear as a negative if value is a pre-tax loss.
Indicates the financial statement figures are pro forma. Typically used to represent the state of a company as a result of a pending structural change based on actual or known performance.
Indicates auditors have made qualifying remarks about the fairness and accuracy of the figures.
Cash plus Accounts Receivable divided by Current Liabilities. For Italy, the Quick Ratio is calculated by: (Total Current Assets – Stock Depreciation – Bad Debts – Stocks & Work in Process) / Total Current Liabilities. For Belgium, the Quick Ratio is calculated by: Total Current Assets – (Receivables over 1 year + Total Net Stocks & Work in Process) / (Total Current Liabilities + Regularization Account). For France, Iberia and Germany, the Quick Ratio is calculated by: (Total Current Assets – Stocks) / Current Liabilities. The Quick Ratio is not available for the United Kingdom or Ireland.
Indicates figures resubmitted after corrections to original statement for period.
Retained earnings.
Net sales for the period after returns, allowances, and discounts are deducted. In Europe, this is the Sales for the period less taxes.
Indicates if figures are signed by principals.
Currency code of financial statement. Some databases are populated only if the Statement Currency Code is different than the default.
Date of current financial statement. May be full date, month and year, or year only.
Indicates whether the subject business is a subsidiary. A value of Yes indicates that it is a Subsidiary. A value of No indicates that it is not a subsidiary.
Total amount of current and long-term assets.
Total amount of all current (less than one year) assets.
Total amount of all current (less than one year) liabilities.
Total liabilities owed by business.
Total amount of Liabilities & Equity.
Total long term (greater than one year) liabilities owed by business.
Indicates that financial statement figures are trial balance.
Indicates submitted balance sheet figures do not balance.