D&B Report
Delivery Date: Dec 29 2023
Last Update Date: Dec 29 2023
Subscriber No: 735000006
Ticket key :202312197357350306
CYSTECH ELECTRONICS CORP. ACTIVE SINGLE LOCATION Trading Style: CYSTECH Company Name(CHN): 全宇昕科技股份有限公司 Address: 15F-7, No. 716, Zhongzhen Rd., Zhonghe Dist., New Taipei City, 235603, Taiwan Tel: (+886) 2 82273827 DUNS: 65-865-0809 |
IDENTIFICATION & SUMMARY |
IDENTIFICATION BR. No.: Fax: Website: 13063718 (+886) 2 77315510 www.cystekec.com SUMMARY Established: Line of Business: Imports: 2002 Manufacture of Discrete Devices Yes R&D of semiconductor devices Registration Year: Exports: 2002 Primary SIC: Yes 3679-0000 Type of Business: 5065-0300 A public company limited by 8731-9901 shares 7389-1801 Public Ticker Employs: 6651 44 (Here) 100 (Total) History: Clear Currency All monetary amounts quoted in this report are shown in NEW TAIWAN DOLLARS (TWD) unless otherwise stated |
Zhongzhen Rd. Zhonghe Dist. New Taipei City 235603,Taiwan RISK EVALUATION SUMMARY D&B Rating 4A1 Paydex® 80 Financial Stress Class 2 Payment Record(s) 22 Former Rating 4A2 Sales 1,696,432 Thousands 2022 Blacklist No Net Worth 1,155,104 Thousands NSF No 2022 Law Suit(s) 0 Paid up Capital 346,015,410 Bidding Right No Current Ratio 2.52 Suspension Debt to Equity Ratio 0.56 |
RISK ASSESSMENT |
Risk Indicator Risk Level of the Company is : MINIMAL RISK 1 Low Risk (1) High Risk (4) D&B Rating Former Rating Financial Strength Risk Indicator Financial Strength Risk Indicator 4A 1 4A 2 Based on Networth Minimal Risk Based on Networth Low Risk The Dun & Bradstreet Rating of 4A1 indicates: Financial Strength of TWD 250,000,000 - 1,499,999,999 based on Networth A Risk Indicator which is Minimal Risk |
FINANCIAL STRESS SCORE |
The Taiwan Financial Stress (TFS) Model predicts the likelihood of a firm ceasing business without paying all creditors in full, or re-organizing or obtaining relief from creditors over the next 12 months. Scores were calculated using a statistically valid model derived from D&B's extensive data files. Subject Company |
92 Low Risk (100) High Risk (1) | Financial Stress Percentile : (Highest Risk: 1 ; Lowest Risk: 100) : 92 Incidence of Financial Stress Among Companies with this Classification: 0.40% (40 per 10,000 cos) Incidence of Financial Stress - Taiwan Database Average : 2.10% (210 per 10,000 cos) | |
Relative Risk Lower than Average | Financial Stress Score : 1486 (Highest Risk: 1232; Lowest Risk: 1600) | Financial Stress Class 2 (Highest Risk: 5; Lowest Risk: 1) |
Comparisons Industry: MFG ELECTRONIC COMPONENTS 63 The subject business has a Financial Stress Percentile that shows lower risk than other Low Risk (100) High Risk (1) businesses in the same industry. Employee Size: 100-199 employees 82 The subject business has a Financial Stress Percentile that shows lower risk than other Low Risk (100) High Risk (1) businesses in the same employee size range. Years in Business: 20-49 years 70 The subject business has a Financial Stress Percentile that shows lower risk than other Low Risk (100) High Risk (1) businesses with a comparable number of the years in business range. Notes
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TRADE PAYMENTS | ||
Amounts may be rounded to nearest figure in prescribed ranges
TRADE PAYMENT EXPERIENCES
D&B obtains payment references from local and international suppliers. References listed below may be from either or both sources. Amounts may be rounded to the nearest figure in prescribed ranges.(Max. 100 records displayed)
Date | Paying Record | Currency | High Credit | Now Owes | Past Due | Payment Terms | Last Sale |
Nov 30 | PROMPT | TWD | 50,000 | 50,000 | 0 | EOM 90 | Nov 15 |
2023 | 2023 | ||||||
Oct 31 2023 | PROMPT | TWD | 100,000 | 25,000 | 0 | EOM 90 | Oct 15 2023 |
Sep 30 2023 | PROMPT | TWD | 2,500 | 2,500 | 0 | NET 0 | Sep 15 2023 |
Aug 31 | PROMPT | TWD | 2,500 | 2,500 | 0 | NET 0 | Aug 25 |
2023 | 2023 | ||||||
Jul 31 2023 | PROMPT | TWD | 100,000 | 30,000 | 0 | EOM 90 | Jul 15 2023 |
Jul 31 2023 | PROMPT | TWD | 1,000 | 1,000 | 0 | EOM 30 | Jul 15 2023 |
Jul 05 2023 | Settlement | TWD | 1,000 | 0 | 0 | - | Jul 05 2023 |
Jun 30 | PROMPT | TWD | 100,000 | 15,000 | 0 | EOM 90 | Jun 15 |
2023 | 2023 | ||||||
May 31 | PROMPT | TWD | 2,500 | 2,500 | 0 | NET 0 | May 29 |
2023 | 2023 | ||||||
Apr 30 | PROMPT | TWD | 5,000 | 5,000 | 0 | EOM 30 | Apr 15 |
2023 | 2023 | ||||||
Nov 30 | PROMPT | TWD | 100,000 | 100,000 | 0 | EOM 90 | Nov 15 |
2022 | 2022 | ||||||
Oct 31 2022 | PROMPT | TWD | 2,500 | 2,500 | 0 | NET 0 | Oct 03 2022 |
Aug 31 2022 | PROMPT | TWD | 2,500 | 2,500 | 0 | EOM 90 | Aug 15 2022 |
Aug 31 | PROMPT | TWD | 2,500 | 2,500 | 0 | EOM 90 | Aug 15 |
2022 | 2022 | ||||||
Jul 31 2022 | PROMPT | TWD | 2,500 | 2,500 | 0 | EOM 90 | Jul 15 2022 |
Jun 30 2022 | PROMPT | TWD | 5,000 | 5,000 | 0 | EOM 30 | Jun 15 2022 |
May 31 | PROMPT | TWD | 100,000 | 65,000 | 0 | EOM 90 | May 15 |
2022 | 2022 | ||||||
Apr 30 | PROMPT | TWD | 100,000 | 35,000 | 0 | EOM 90 | Apr 15 |
2022 | 2022 | ||||||
Feb 28 | PROMPT | TWD | 100,000 | 100,000 | 0 | EOM 90 | Feb 15 |
2022 | 2022 | ||||||
Jan 31 2022 | PROMPT | TWD | 40,000 | 15,000 | 0 | EOM 90 | Jan 15 2022 |
Dec 31 2021 | PROMPT | TWD | 40,000 | 40,000 | 0 | EOM 90 | Dec 15 2021 |
Dec 31 | PROMPT | TWD | 2,500 | 2,500 | 0 | EOM 90 | Dec 15 |
2021 | 2021 |
The above payment record reflects how accounts are paid in relation to the terms granted. SLOW30, for example, indicates a 30 day term where 30 additional days are taken.
In some instances, payment beyond terms can be the result of disputes over merchandise, lost invoices, etc. D&B PAYDEX This Payment section reflects payment information in D&B's file as of Dec 29 2023. The Paydex for CYSTECH 80 ELECTRONICS CORP. is: This Paydex indicates that, within the past 12 months, payments to suppliers are generally Payments received within terms granted weighted by TWN dollar amounts. The Paydex used by Dun&Bradstreet is a computer generated, 1 to 100 dollar-weighted numerical indicator of payment performance as reported to D&B. Paydex of This Business | |||
80 Low Risk (100) High Risk (1) | When weighted by value, payments to suppliers average Payments received within terms granted based on payments collected over the last 12 months. This business has a same paydex than its industry. | ||
Risk of Slow Payment Low Risk | D&B Paydex 80 | Payment Behaviour Payments received within terms granted | |
Paydex of This Industry | |||
80 Low Risk (100) High Risk (1) | Median is 80 (Payments received within terms granted) Upper Quartile is 80 (Payments received within terms granted) Lower Quartile is 79 (2 days beyond terms) | ||
Median: Payments received within terms granted | Industry Name: MFG ELECTRONIC COMPONENTS | Based On : 709 businesses | |
PUBLIC RECORD INFORMATION | |||
SUITS A search conducted in all courts including 1 Supreme Court, 6 High Courts, 20 District Courts, 29 Small Claims Tribunals and 5 Administrative Courts within Taiwan and Fu Chien reveals no court judgment been formed against the subject. |
BIDDING RIGHT SUSPENSION A search conducted at the Taiwan Governmental Authorities revealed the subject is not prohibited from bidding against Governmental projects currently. |
BANKS |
NON-SUFFICIENT FUND & BLACKLIST According to TSE Public Observation Post, the subject did not report any bounced checks stem from Non Suicient Funds in recent one month. Search Date: Dec 20 2023 Record effective until: Dec 14 2023 A search at the Taiwan Clearing House on Dec 20 2023 did not revealed subject as a "classified" account to be prohibited from operating check account in Taiwan. Search Date: Jan 18 2023 Record effective until: Jan 12 2023 A search at the Taiwan Clearing House on Jan 18 2023 did not revealed subject as a "classified" account to be prohibited from operating check account in Taiwan. Search Date: Jan 19 2022 Record effective until: Jan 13 2022 A search at the Taiwan Clearing House on Jan 19 2022 did not revealed subject as a "classified" account to be prohibited from operating check account in Taiwan. |
CURRENT INVESTIGATION |
On Dec 29 2023, the information in this report was obtained from public records and D&B database. MANAGEMENT SUMMARY On Dec 29 2023, in view of public company nature, part of information in this report is updated according to its annual report. |
HISTORY |
BUSINESS REGISTRATION Subject is a public company limited by shares which was registered in Taiwan on Apr 10 2002 under business registration number 13063718. Business was established in 2002. Subject is listed on the TPEx under the code 6651 with effect from Feb 01 2021. |
Special Events Authorized Capital: $600,000,000. Paid up Capital: $346,015,410 as of Dec 20 2023. Ordinary par value: $10 CHANGE IN SHAREHOLDER STRUCTURER Shareholders Number of shares %Shares Lai, Shang Cheng 669,127 1.93 Wang, Zhen Huang 1,353,087 3.91 Qing Tong Enterprise 2,263,832 6.54 Co., Ltd., (Taiwan) Chong Gao Industrial 1,463,720 4.23 Co., Ltd., (Taiwan) Others 28,851,775 83.39 Total 100.00 Total Number of Shareholders: 4401. Included in 'others' above are shareholders each holding less than 10% of equity. ADDITIONAL COMMENTS A search at the New Taipei City Government, Department of Commerce and Bureau of Foreign Trade on Dec 20 2023 confirmed the above registration and capital details. KEY EVENTS In Jan 2006, subject was passed the ISO9001:2000 certification In Dec 2011, subject was passed the ISO9001:2008 certification |
PRINCIPALS |
Name: LEE, XU HUA, JESSE Title: President/General Manager Gender: male Active in Operation: Yes |
OPERATIONS |
LINE OF BUSINESS Manufacture of Discrete Devices (Data source: Fiscal Information Agency, MOF) |
R&D of semiconductor devices
TRADE STYLE
Trading Style: CYSTECH
LINE OF PRODUCTS AND SERVICES
Transistor 9.32%
Line of Products and Services:
IC 0.92%
BRAND
Diode 6.64%
MOSFET 83.12%
Major brands includes: CYSTECH
SALES TERRITORY
Local & Other Markets
Other Markets
(Country/Region):
68.97%
Local: 31.03%
Others 1.14%
Exporting to (Country/Region):
PURCHASES
Local & Other Markets
Importing From (Country/Region):
Asia 67.83%
Japan
EXPORT/IMPORT VOLUME AND RANK
The Yearly Import/Export Volume data is obtained from the Bureau of Foreign Trade, MOEA. D&B ranks the volume sequentially with the latest records in this report. Subject cannot be ranked in cases of insuicient information or unqualified rank level.
Year
EXPORT/IMPORT VALUE RANGE
Following are the subject's annual export/import value range records posted by the Bureau of Foreign Trade, MOEA
Year 2020 2021 2022
Actual export value range:
A A A
Actual import value A A A range: * Please refer to the "Appendix" at the bottom of this report for the table of value ranges. MAJOR CUSTOMERS Name Foxconn (China) Cybertan Technology Inc. Golden Elite Technology (Shenzhen) Ltd. TPV Group MOBILETRON ELECTRONICS CO., LTD. MAJOR SUPPLIERS Name D-U-N-S MOSEL VITELIC INC. 656061991 JCET Group Co., Ltd. Vanguard International Semiconductor Corporation 656385655 PHENITEC SEMICONDUCTOR Corp PURCHASING AND SELLING TERMS Purchasing Terms: T/T Post Dated Checks Selling Terms: T/T Post Dated Checks EMPLOYEES Number of Employees: 100 (Total) (Update Date: Dec 29 2023) 44 (Here) |
LOCATION |
Subject is located in an industrial area. Subject owns premises, used as its oice.. OFFICE(S) Address: 13F-7, No. 716, Zhongzhen Rd. Zhonghe Dist., New Taipei City, Taiwan R.O.C. TEL: 02-82273826 FAX: 02-82273830 Premises Rented RESEARCH CENTER |
Address: 7F-11, No. 35, Hsin Tai Rd., Zhubei City, Hsinchu County, Taiwan R.O.C. TEL: 03-5537271 FAX: 03-5535742 OFFICE(S) Address: Shenzhenshi, Guangdong Province, China. TEL: 139-246-33125 |
FINANCIAL INFORMATION |
BALANCE SHEET Balance Sheet Fiscal Fiscal Fiscal Information Dec 31 2020 Dec 31 2021 Dec 31 2022 Thousands Thousands Thousands TWD TWD TWD Level of Audit yes yes yes Audited by Deloitte & Touche Deloitte & Touche Deloitte & Touche Auditor notes Auditors opinion is free Auditors opinion is free Auditors opinion is free from all qualifications. from all qualifications. from all qualifications. Statement Source The above statements The above statements The above statements were obtained from TSE were obtained from TSE were obtained from TSE Market Observation Market Observation Market Observation Post Post Post Assets Fiscal Fiscal Fiscal Dec 31 2020 Dec 31 2021 Dec 31 2022 Thousands Thousands Thousands TWD TWD TWD Cash 243,635 319,858 407,497 Accounts Receivables 429,992 573,272 503,501 Notes Receivable 10,026 14,758 3,838 Other Receivables 5,502 6,054 3,064 Inventory 269,335 411,856 587,287 Prepayment 8,246 35,334 29,386 Prepayment 8,246 35,334 29,386 Short Term Investments 14,240 0 0 Other Current Assets 12,532 4,748 6,917 CURRENT ASSETS 993,508 1,365,880 1,541,490 Other Fixed Assets 45,052 45,229 35,332 Fixed Assets 45,052 45,229 35,332 Intangible Asset 5,891 4,180 1,793 Intangibles 5,891 4,180 1,793 Other Assets 14,557 52,408 223,926 |
TOTAL LONG TERM ASSETS | 14,557 | 52,408 | 223,926 |
TOTAL ASSETS | 1,059,008 | 1,467,697 | 1,802,541 |
Liabilities | Fiscal Dec 31 2020 | Fiscal Dec 31 2021 | Fiscal Dec 31 2022 |
Thousands | Thousands | Thousands | |
TWD | TWD | TWD | |
Accounts Payable | 174,046 | 189,185 | 120,570 |
Notes Payable | 4,288 | 7,804 | 5,008 |
Other Payables | 61,695 | 77,517 | 72,193 |
Short-Term Loans | 188,395 | 111,350 | 328,000 |
Provision for Income Tax | 17,721 | 43,765 | 68,655 |
Other Current Liabilities | 17,517 | 33,647 | 17,227 |
TOTAL CURRENT | 463,662 | 463,268 | 611,653 |
LIABILITIES | |||
Provisions | 1,934 | 1,934 | 9,459 |
Medium/Long Term | 32,105 | 22,385 | 17,929 |
Loans | |||
Other Non-Current Liab | 15,956 | 14,069 | 6,603 |
TOTAL NON-CURRENT LIABILITIES | 49,995 | 38,388 | 33,991 |
TOTAL LIABILITIES | 513,657 | 501,656 | 645,644 |
Shareholder's Equity | Fiscal Dec 31 2020 | Fiscal Dec 31 2021 | Fiscal Dec 31 2022 |
Thousands TWD | Thousands TWD | Thousands TWD | |
Capital | 286,030 | 329,632 | 346,016 |
Capital Reserve | 39,720 | 295,981 | 296,635 |
Others | -33,307 | -16,635 | |
Retained Earnings | 219,601 | 373,735 | 530,881 |
Minority Interest | 0 | 0 | 0 |
TOTAL EQUITY | 545,351 | 966,041 | 1,156,897 |
TOTAL EQUITY AND LIABILITIES | 1,059,008 | 1,467,697 | 1,802,541 |
PROFIT & LOSS
Particulars | Fiscal | Fiscal | Fiscal |
From Jan 01 2020 To Dec 31 2020 | From Jan 01 2021 To Dec 31 2021 | From Jan 01 2022 To Dec 31 2022 | |
Thousands TWD | Thousands TWD | Thousands TWD | |
Sales | 1,193,172 | 1,626,677 | 1,696,432 |
Net Sales | 1,193,172 | 1,626,677 | 1,696,432 |
Cost of Goods Sold | -830,113 | -1,044,551 | -1,034,618 |
Gross Profit/Loss | 363,059 | 582,126 | 661,814 |
Sell.,General & Adm. | -89,967 | -133,393 | -135,502 |
Exp. |
Other Expenses | -0 | -0 | -45,102 |
R&D Exp. | -31,409 | -40,821 | -38,729 |
General & Adm. Exp. | -77,170 | -87,236 | -95,155 |
Operating Income / Expenses | -198,546 | -261,450 | -314,488 |
Operating Profit / Loss | 164,513 | 320,676 | 347,326 |
Non Operating Income/Exp. | -18,323 | -9,765 | 52,050 |
Non-Operating Income / Expenses | -18,323 | -9,765 | 52,050 |
Profit/Loss before Tax | 146,190 | 310,911 | 399,376 |
Income Tax | -26,891 | -57,889 | -93,895 |
Profit/Loss after Tax | 119,299 | 253,022 | 305,481 |
Net Profit (Loss) after tax & Min. Interest | 119,299 | 253,022 | 305,481 |
CASH FLOW STATEMENT
Particulars | 2020 | 2021 | Change % YOY | 2022 | Change % YOY |
Cash Flows from Operating | 55,643 | 2,642 | -95.25 | 83,167 | 3,047.88 |
Activities | |||||
Cash Flows | -18,516 | 19,625 | -- | -62,204 | -- |
from Investing | |||||
Activities | |||||
Cash Flows | -5,359 | 53,956 | -- | 63,857 | 18.35 |
from Financing Activities | |||||
Effects of | -- | 2,819 | -- | ||
Changes in Exchange Rate | |||||
Net Cash Flows | 31,768 | 76,223 | 139.94 | 87,639 | 14.98 |
KEY RATIOS | |||||
Particulars | Dec 31 2020 | Dec 31 2021 | Dec 31 2022 | ||
CAPTIAL STRUCTURE | |||||
ANALYSIS | |||||
Total Debt/Equity Ratio | 0.94 | 0.52 | 0.56 | ||
Debt Ratio | 0.49 | 0.34 | 0.36 | ||
Long Term Funds to Fixed Assets (%) | 1,321.46 | 2,220.76 | 3,370.56 | ||
LIQUIDITY ANALYSIS | |||||
Current Ratio | 2.14 | 2.95 | 2.52 | ||
Quick Ratio | 1.56 | 2.06 | 1.56 | ||
EFFICIENCY ANALYSIS | |||||
Working Capital | 159.86 | 199.76 | 197.32 | ||
Turnover (Days) | |||||
Accounts Receivable | 2.68 | 2.74 | 3.32 | ||
Turnover (Times) |
Days Sales Outstanding | 134.00 | 131.00 | 108.00 |
(Days) | |||
Payment Period (Days) | 104.00 | 95.00 | 69.00 |
Average Inventory turnover (times) | 3.08 | 2.54 | 1.76 |
Average Days to Sell | 117.00 | 142.00 | 204.00 |
Inventory (Days) | |||
Fixed Assets Turnover | 26.48 | 35.97 | 48.01 |
(Times) | |||
Total Asset Turnover | 1.13 | 1.11 | 0.94 |
(Times) | |||
PROFITABILITY ANALYSIS | |||
Profit Margin | 10.00 | 15.55 | 18.01 |
Return on Assets | 11.27 | 17.24 | 16.95 |
Return on Equity | 21.88 | 26.19 | 26.41 |
Earnings Per Share (NTD) | 4.17 | 7.77 | 8.91 |
INDUSTRY MEDIAN
Particulars | 2020 | 2021 | 2022 |
Total Debt/Equity Ratio | 0.64 | 0.7 | 0.62 |
Debt Ratio | 0.39 | 0.41 | 0.39 |
Long Term Funds to Fixed Assets (%) | 258.15 | 276.66 | 272.78 |
Current Ratio | 2.06 | 2.06 | 2.22 |
Quick Ratio | 1.65 | 1.55 | 1.7 |
Accounts Receivable | 4.495 | 4.62 | 5.05 |
Turnover (Times) | |||
Days Sales Outstanding | 80 | 78 | 71 |
(Days) | |||
Average Inventory | 4.55 | 3.81 | 3.68 |
turnover (times) | |||
Average Days to Sell Inventory (Days) | 77.5 | 92 | 96 |
Fixed Assets Turnover (Times) | 2.67 | 2.87 | 2.78 |
Total Asset Turnover | 0.67 | 0.72 | 0.71 |
(Times) | |||
Return on Assets | 3.735 | 5.57 | 5.59 |
Return on Equity | 6.215 | 10.17 | 9.97 |
Earnings Per Share | 1.22 | 1.9 | 2.2 |
(NTD) |
Note: Industry median is calculated by using the data from 507 public companies' within the same industry as the subject.
FINANCIAL HIGHLIGHTS / PARTIAL ESTIMATES Partial Estimates Financial highlights of the company for the period Jan 01 2023 to Sep 30 2023 were as follows: Amount (Thousands) Total Current Assets 1,472,248 Other Assets 494,085 Total Assets 1,966,333 Total Current Liabilities 793,278 Total Non-Current Liab 32,054 Total Liabilities 825,332 Shareholders' Equity 1,141,001 Sales 1,018,858 Cost of Goods Sold 667,342 Gross Profit 351,516 Operating Expenses 173,796 Operating Profits(Loss) 177,720 Non-Operating Income 54,977 Net Profit(Loss) before Tax 232,697 Net Profit(Loss) after tax 184,800 Cash Flows from Operating Activities 158,344 Cash Flows from Investing Activities -282,054 Cash Flows from Financing Activities 60,649 Net Cash Flows -42,479 Above interim was Non-Consolidated statement. |
APPENDICES |
D&B RATING The D&B rating of 4A1 indicates a tangible net worth over TWD 250,000,000 - 1,499,999,999 and an overall credit condition which is considered Minimal Risk. D&B RATING TABLE: TAIWAN *Financial Strength In: New Taiwan Dollars Financial Strength Based On:Tangible Net Worth or Capital Financial Strength Indicators: Range Networth Capital From To |
5A | 5AA | $ 1,500,000,000 | And Above |
4A | 4AA | $ 250,000,000 | $ 1,499,999,999 |
3A | 3AA | $ 25,000,000 | $ 249,999,999 |
2A | 2AA | $ 20,000,000 | $ 24,999,999 |
1A | 1AA | $ 15,000,000 | $ 19,999,999 |
A | AA | $ 10,000,000 | $ 14,999,999 |
B | BB | $ 5,000,000 | $ 9,999,999 |
C | CC | $ 3,000,000 | $ 4,999,999 |
D | DD | $ 2,000,000 | $ 2,999,999 |
E | EE | $ 1,000,000 | $ 1,999,999 |
F | FF | $ 750,000 | $ 999,999 |
G | GG | $ 500,000 | $ 749,999 |
H Alternate Ratings Used | HH | $ 0 | $ 499,999 |
N Financial Strength is negative
O Financial Strength is undisclosed
NB New Business: Less than 24 months
NQ Out of Business: Business has ceased to trade
DS
Indicates that only brief partial information is
currently available on the company, and a full investigation will be conducted once an enquiry is placed
BR Branch or division location
INV Indicates that D&B is currently conducting an
investigation to gather the most current details
COMPOSITE CONDITIONS
Minimal risk
Low risk
Risk slightly higher than average
High risk
- Undetermined risk
TAIWAN FINANCIAL STRESS MODEL
The Financial Stress model assigns three measurements of risk:
A "Class" of 1 - 5,which is a segmentation of the scoreable universe into five distinct risk groups where a one (1) represents businesses that have the lowest probability of financial stress, and a five (5) represents businesses with the highest probability of financial stress. This Class enables a customer to quickly segment their new and existing accounts into various risk segments to determine appropriate marketing or credit policies.
A "Percentile" of 1 - 100,where a 1 represents businesses that have the highest probability of financial stress, and a 100 which represents businesses with the lowest probability of financial stress. This Percentile shows you where a company falls among businesses in the D&B database, and is most effectively used by customers to rank order their portfolios from highest to lowest risk of business failure.
A "Financial Stress Score" of 1,232 - 1,600,where a 1,232 represents businesses that have the highest probability of financial stress, and a 1,600 which represents businesses with the lowest probability of financial stress. As this score is derived directly from the scorecard, it offers a more precise measure of the level of risk than any other measurements of risk as it shows the exact score from the scoring algorithm. The D&B Financial Stress Score is especially useful to customers using computerized decision systems to determine overall business performance.
EXPORT/IMPORT VALUE RANGE TABLE
A | 10 USD million & up | |
B | 9~10 USD million | |
C | 8~9 USD million | |
D | 7~8 USD million | |
E | 6~7 USD million | |
F | 5~6 USD million | |
G | 4~5 USD million | |
H | 3~4 USD million | |
I | 2~3 USD million | |
J | 1~2 USD million | |
K | 0.5~1 USD million | |
L | 0~0.5 USD million | |
M Paydex Payment | 0 | Rating Manner |
100 | Anticipated | |
90 | Discount | |
80 | Prompt | |
70 | Slow to 15 | |
50 | Slow to 30 | |
40 | Slow to 60 | |
30 | Slow to 90 | |
20 | Slow to 120 |
CUSTOMER SERVICE
Should you require any further information or have any questions, please contact your local Customer Service Center. Taiwan subscribers please contact:
Dun & Bradstreet Int'l Ltd, Taiwan Branch
13F, 133, Min Sheng E. Rd., Sec. 3, Sung Shan Dist., Taipei City, Taiwan 105
Tel: +886 2 8770-7568
Inquiries should always contain the below minimum details: Full Company Name
Full Headquarters Address
Telephone Number