EXECUTIVE SUMMARY
Customer assessment is not just groundwork for a credit decision. The customer enters the company’s commercial ecosystem and becomes part of a long business journey. So the first question is not “How much credit should we give?” but “Who are we travelling with?”
Sales volume or payment history with your company does not on its own explain a customer’s total risk profile. It gains meaning when financial structure, total indebtedness, payment patterns, commercial ecosystem, sector and the customer’s business model are read together.
Financial statements show the current position; management quality, how growth is financed and decision discipline shape the direction of future risk. That is why qualitative assessment is not an add-on to credit analysis but one of its core parts.
Fast growth is not always healthy growth. “Artificially inflated growth” out of step with financial capacity and working capital can create fragility; balanced, sustainable growth supports long-term partnership.
A new customer is assessed before entering the commercial ecosystem; an existing customer is re-profiled as financial and commercial conditions change.
WITH ALMERA
01A customer profile is built that combines financial and qualitative indicators.02A measurable, repeatable assessment system is set up for new and existing customers.03Customer assessment becomes the shared data foundation for limit, monitoring, collateral and collection decisions.You cannot manage the risk of a journey well without choosing the right customer to travel with.
