{"id":171,"date":"2019-06-14T11:50:44","date_gmt":"2019-06-14T09:50:44","guid":{"rendered":"https:\/\/firmalan.com\/no\/?page_id=171"},"modified":"2019-09-12T14:31:26","modified_gmt":"2019-09-12T12:31:26","slug":"kredittscore","status":"publish","type":"page","link":"https:\/\/firmalan.com\/no\/kredittscore\/","title":{"rendered":"Kredittscore"},"content":{"rendered":"

Et foretaks Experian kredittverdighet angis p\u00e5 en Delphi-skala fra 0-1000 poeng, der 0 poeng er absolutt verste mulige kreditt\u00adverdighet og 1000 poeng er absolutt beste kreditt\u00adverdighet.
\nExperian kombinerer kredittdata, forbrukerdata og analytisk ekspertise for \u00e5 beregne Delphi kredittscore. For \u00e5 beregne risikotapet tar man for eksempel hensyn til: \u00e5lder, bransje og st\u00f8rrelse p\u00e5 virksomheten.<\/p>\n\n\n\n\n\n\n\n\n\n\n\n
Risikoklasse
\n(1-8)<\/font><\/td>\n

 Score
\n(1-1000)<\/font><\/td>\n

 Beskrivelse<\/font><\/td>\n

 Sannsynligheten forkonkurser<\/font><\/td>\n<\/tr>\n
8<\/span><\/td>\n959-1000<\/span><\/td>\nAbsolutt beste kredittverdighet: Sv\u00e6rt lav risiko<\/span><\/td>\n0,01 %<\/span><\/td>\n<\/tr>\n
7<\/span><\/td>\n876-958<\/span><\/td>\nBeste kredittverdighet: Lav risiko<\/span><\/td>\n0,09 %<\/span><\/td>\n<\/tr>\n
6<\/span><\/td>\n769-875<\/span><\/td>\nGod kredittverdighet: Under gjennomsnittlig risiko<\/span><\/td>\n0,44 %<\/span><\/td>\n<\/tr>\n
5<\/span><\/td>\n671-768<\/span><\/td>\nKredittverdig: Under gjennomsnittlig risiko<\/span><\/td>\n1,20 %<\/span><\/td>\n<\/tr>\n
4<\/span><\/td>\n590-670<\/span><\/td>\nLave kredittbel\u00f8p anbefales: Under gjennomsnittlig risiko<\/span><\/td>\n1,91 %<\/span><\/td>\n<\/tr>\n
3<\/span><\/td>\n272-589<\/span><\/td>\nKreditt mot sikkerhet anbefales: Over gjennomsnittlig risiko<\/span><\/td>\n5,29 %<\/span><\/td>\n<\/tr>\n
2<\/span><\/td>\n2-271<\/span><\/td>\nIkke kredittverdig: H\u00f8y risiko<\/span><\/td>\n15,15 %<\/span><\/td>\n<\/tr>\n
1<\/span><\/td>\n1<\/span><\/td>\nIkke kredittverdig – frar\u00e5der kreditt: Meget h\u00f8y risiko<\/span><\/td>\n35,56 %<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n
\n

Underliggende beregninger kredittscore<\/h3>\n

Likviditetsgrad<\/strong> = Sum Oml\u00f8psmidler \/ Sum Kortsiktig Gjeld<\/p>\n

Soliditet<\/strong> = Sum Egenkapital \/ Totalkapital<\/p>\n

Gjeldsgrad<\/strong> = (Kortsiktig Gjeld + Langsiktig Gjeld) \/ Sum Egenkapital<\/p>\n

Egenkapitalrentabilitet<\/strong> = Ordin\u00e6rt Resultat \/ Gjennomsnittlig Egenkapital<\/p>\n

Totalretabilitet<\/strong> = (Ord. Resultat f\u00f8r Skatt + Rentekostnader) \/ Gjennomsnittlig Totalkapital<\/p>\n

Resultatgrad<\/strong> = Driftsresultat \/ Sum Driftsinntekter<\/p>\n","protected":false},"excerpt":{"rendered":"

Et foretaks Experian kredittverdighet angis p\u00e5 en Delphi-skala fra 0-1000 poeng, der 0 poeng er absolutt verste mulige kreditt\u00adverdighet og 1000 poeng er absolutt beste kreditt\u00adverdighet. Experian kombinerer kredittdata, forbrukerdata …<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-171","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/firmalan.com\/no\/wp-json\/wp\/v2\/pages\/171","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/firmalan.com\/no\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/firmalan.com\/no\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/firmalan.com\/no\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/firmalan.com\/no\/wp-json\/wp\/v2\/comments?post=171"}],"version-history":[{"count":3,"href":"https:\/\/firmalan.com\/no\/wp-json\/wp\/v2\/pages\/171\/revisions"}],"predecessor-version":[{"id":174,"href":"https:\/\/firmalan.com\/no\/wp-json\/wp\/v2\/pages\/171\/revisions\/174"}],"wp:attachment":[{"href":"https:\/\/firmalan.com\/no\/wp-json\/wp\/v2\/media?parent=171"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}