s-peek - Credit Report 4.0.2

s-peek is a free application designed to assist companies and freelancers in evaluating the financial health of any business within Europe. Developed by modeFinance, the platform offers immediate access to essential financial metrics.

Users can explore key questions about a company's status, such as:

• Is the company thriving or struggling?
• What is its size and profitability?
• What credit score classification does it have?
• What is its assigned credit limit?
• Can it be deemed a reliable client?

s-peek provides comprehensive insights covering over 25 million European companies. Users benefit from various features including:

• Discovery of credit scores and commercial credit limits;
• Access to vital financial data;
• PDF downloads of business information via the web application;
• Notifications regarding purchased reports;

This tool has been recognized as the **Best Fintech Company** at the GranPrix CheBanca awards.

The evaluations generated by s-peek are based on publicly available information, encompassing company details, financial statements, and industry sector data. Credit scores and commercial credit limits are derived from the innovative MORE methodology, which assesses companies as complex systems and provides in-depth analyses of various factors, such as solvency, debt coverage, liquidity, cash cycles, profitability, and sector comparisons.

The Multi Objective Rating Evaluation is proprietary to modeFinance and utilizes a straightforward three-color scale:

• Green: AAA, AA, A, BBB
• Yellow: BB, B
• Red: CCC, CC, C, D
• Grey: rating not assessable due to insufficient financial data

Users may choose between two types of reports for further analysis:

• FLASH reports: Provide basic information such as credit scores for the past three years, commercial credit limits, risk assessments across key areas (solvency, liquidity, profitability), and sector comparisons.
• Extended 12M reports: Offer additional insights including turnover, profits or losses for the current financial year, total assets, shareholders' equity, and corporate registration details (address, phone number, sector).

Please be aware that the creditworthiness assessment within s-peek does not constitute a "credit rating" as defined by EU Regulation No. 1060/2009.