URBA360: The company credit risk assessment tool that provides data in one click

Commercial intelligence or business intelligence refers to the gathering, analysis, and application of information and data related to business and commercial activities. It involves collecting and interpreting information about markets, industries, competitors, customers, and various external factors to make informed business decisions. 

Commercial intelligence is a crucial component of strategic planning and helps you and your organisation gain a competitive advantage in the marketplace.

While a business credit score check is a useful starting point, relying solely on a business credit checker or a standard business credit report can leave critical gaps in your risk assessment. To truly understand the financial health and reliability of your partners, businesses must go beyond the basics and check business credit using broader, more insightful data.  

Standard reports may not reveal emerging risks, behavioural trends, or operational red flags. In today’s fast-moving markets, businesses need deeper insights to make data-driven decisions and avoid risky partnerships that could impact cash flow or disrupt operations.  

This is especially important in competitive environments like Lithuania, Latvia, Estonia. Here, becoming the most profitable business in the Baltic states depends on strong, dependable B2B relationships.  

With Coface Business Information, you gain access to global business credit data enriched with advanced analytics (late payment behaviour, credit opinions, credit risk monitoring, company solvency scores), helping you evaluate partners with greater confidence. Whether you're expanding or reinforcing your network, going beyond a basic business credit score check ensures smarter, more secure decisions.

URBA360 is a powerful tool for risk analysis, providing businesses with valuable insights into potential clients and partners. It offers in-depth financial data, credit risk assessments, and comprehensive business information, all of which are essential components of risk analysis. With URBA360, you can confidently evaluate the creditworthiness and financial health of entities you plan to engage with, enabling you to make informed decisions and minimize financial risks in your business relationships.

Yes. URBA360 is our digital platform for checking customer creditworthiness, consulting company ratings, checking the financial health of your customers and suppliers, and adjusting the maximum amount of your receivables accordingly. URBA360 provides access to our unique data and expert knowledge on more than 240 million companies in 200 countries.

URBA360 enables you to assess the creditworthiness of companies and the likelihood of companies defaulting or paying late. As a decision-maker, you can make the right credit risk decisions, whether for business partners, customers or suppliers, with expert knowledge of their financial health. With URBA360, we give you access to financial indicators and Coface's expert knowledge on 240 million companies in 200 countries.

Regardless of your size or sector, your company can benefit from URBA360. Simply request a demonstration to access company scoring, analysis of company payment behaviour, credit scores, and set up credit risk monitoring, or access comprehensive company information reports. Financial indicators, creditworthiness assessments, CRA (country risk), Coface Score will give you a 360 view when you are analysing customers or suppliers.

Request a demo or contact our customer service team to get access to URBA360, our digital business information solution, monitoring the creditworthiness of companies, suppliers or customers, monitoring a company's financial health, analysing companies' payment behaviour and accessing financial indicators.

The criteria for granting or refusing payment terms, such as credit or financing, can vary depending on the lender and the specific circumstances involved. However, some common business analytics that you should consider when running a risk analysis making these decisions are:

1. Creditworthiness: Assess the customer's ability to repay based on financial history, income, and assets.
2. Credit Score for risk assessment: higher scores may lead to better terms.
3. Financial Statements: Review income statements, balance sheets, and cash flows for financial stability.
4. Payment History: Check past payment behavior for insights.
5. Market Conditions: Consider industry and market conditions
6. Loan Amount: Larger loans may have stricter requirements.
7. Relationship: Past successful transactions or customer history can influence decisions

URBA360 assesses company creditworthiness using a wide range of data. This includes financial indicators such as turnover, equity, fixed assets, liabilities, and financial results. It also considers payment behaviour, credit opinions, and ongoing credit risk monitoring. The company’s creditworthiness is summarised in the Coface Score. URBA360 also incorporates country risk and sector risk analysis—ensuring a globally standardised approach to supplier evaluation. Whether it's your business partners, customers or suppliers. URBA360 helps you to make the right credit risk decisions and helps you anticipate the risk of companies defaulting or paying late.

A company's assessment score can be accessed directly in URBA360 by searching for the name of a customer or supplier. The assessment score is a comprehensive risk analysis presented as a score from 0 to 10. This score, also known as the Coface Score, assesses the probability of a company defaulting within one year.

A business scoring tool ranks companies using a set of criteria designed to assess risk. At Coface, this analysis is delivered through the Coface Score, which evaluates the likelihood of a company defaulting within the next 12 months.  

What sets our scoring apart is its foundation: globally standardised data. This ensures consistency and comparability across markets, enabling a comprehensive, reliable view of credit risk—no matter where your partners operate. With this unified approach, you gain the clarity and confidence needed to make smarter, faster decisions.

URBA, Universal Risk Business Assessment, is our new generation business information tool. By using its colour coded wheel you will explore all the datas you need to know about and get a … 360° view on any company.