In numbers
Trusted by leading Nordic companies
Most accurate
Our credit rating models are the most accurate on the market. Enabling your company to say yes to more customers without increasing risk.
Score more companies
We use a broad range of data and complex credit rating models that enables us to score more companies and more company types. Helping you onboard more customers safely.
Adapted to your business
Not all businesses are the same. That's why our credit models and decision policies can be adapted to your specific business needs.
How it works
Advanced modelling
Bislab uses advanced statistical modelling to extract the maximum amount of informational value in the underlying data. Models are updated and versioned continuously.
Customized models
Businesses differ in size, industry and how they are organized, that's why we run multiple unique credit rating models in parallel for different types of companies to ensure maximum accuracy.
Broader data universe
We use alternative data not ordinary available in credit rating models. This ensures more accurate credit risk predictions, and more updated real time information.
Include your own data
Include you own customer data real time for more accurate risk assessments tailored to your specific business and policy rules.
Cross Nordic
Our solutions are easy to integrate cross markets, with the same API, data and scoring structure to help your risk department be more effective and make better decisions.
Fully documented & compliant
All our credit models are documented in detail and fully compliant with all relevant laws and regulations. Bank ready and approved.
Credit rating
Credit rating delivered as AAA rating, Normalized score (0-100), Probability of default, Raw Score and score explanation
Credit limit
Suggested credit limit calculated based on several risk factors and company assets.
Questions and answers
What is a company credit rating?
An assessment of how likely the company is to run into payment difficulties. In credit information business, a rating may only use basic company data, the information in sections 21–25 of the Credit Information Act and information the company provides itself (section 27).
How long does a payment default entry stay for a Finnish company?
An entry based on a judgment, enforcement, a tax claim or a creditor's demand for payment is removed within 3 years at the latest. Bankruptcy information is removed within 5 years and a default the debtor has acknowledged within 2 years (Credit Information Act, section 28).
Is the entry removed when the debt is paid?
An entry based on a judgment, enforcement, a tax or insurance claim or a creditor’s demand for payment is removed within a month of the credit information provider learning of the payment (section 28).