GraydonCreditsafe’s scorecard calculates the probability that a business will fail over the coming 12 month period. The calculation is converted into an easy to understand score between 1 (highest risk) to 100 (lowest risk). We consider a business below 30 to be high risk and therefore uncreditworthy, where as a business with a score above 50 would have a low risk of failure

GraydonCreditsafe considers the following criteria to be the definition of failure: 

• Opening of bankruptcy proceedings (with/without exculpation)
• Closure of bankruptcy proceedings (with/without exculpation) 
• Judicial reorganisation