Result
The result is given through three indicators
Class
A · B · C · D
Tells you on what terms you can work together. If critical information is missing, no class is given: Not assessable.
Information sufficiency
High · Medium · Low
Shows how much of the assessment rests on answers and documents. Gaps are not hidden; they are listed in the report.
Dimension profile
Strong · Adequate · Weak
The level of each dimension is shown separately, so strengths and issues to address are visible.
The numerical score is not shown in the panel or on the report cover; it appears only in the methodology section of the report. In a model based on expert judgement, small score differences are not meaningful; the decision is made on the class and the conditions.
Calculation
How is the class determined?
- 1
Answers and documents
Each question is assessed on five levels against written criteria. “Don’t know” and “information not provided” answers score nothing and lower information sufficiency; “not applicable” is left out of the calculation.
- 2
Dimension level
Each dimension's level is calculated from its questions: Strong, Adequate or Weak. If a critical dimension cannot be assessed, no class is given.
- 3
Weighted result
Dimensions are combined using weights set for each service, producing the proposed class. The weight of a non-critical dimension that cannot be assessed is redistributed to the others.
- 4
Cap rules
Serious findings are not averaged away: a triggered rule caps the best class that can be reached.
- 5
Expert assessment
The GRC expert may adjust dimension levels and the class within limits, with written reasons. Only the approver can lift a cap, also with written reasons.
- 6
Approval and delivery
After a separate approver's check, the report is locked as a version and published with a verification code. Any later change is made in a new version.
Cap rules
Serious findings cap the class
The common rules are listed below. Some services also have their own rules; for example, sanctions list matches and CBAM data for suppliers, and rent and staff costs as a share of turnover for franchises.
There is no automatic D class. If two separate serious findings are triggered together, the expert must consider a D class and justify the decision. A concern about a document is not reported as an accusation.
Information sufficiency
Missing information does not disappear into the score
High
Mandatory documents complete and at least 90% of questions answered
Medium
70–89% of questions answered, or some mandatory documents missing
Low
Fewer than 70% of questions answered; the class is capped at B
Limits
What the report is, and what it is not
The report
- Is an expert opinion based on the information and documents provided, the approved scope and the report date.
- States which information rests on declarations and which on documents or verification.
- Supports the decision; the final commercial decision rests with the requesting company.
The report is not
- A credit rating, an independent audit or a legal opinion.
- A prediction of default probability or future performance.
- A certificate of regulatory compliance.
Model thresholds are initial values and are calibrated through a pilot study on past files. Every model change is a new version; reports already delivered stay on their own version.
Apply for an assessment
Applying is not binding. The GRC team reviews the scope; the fee and timeline are sent in a written proposal. For questions, write to sales@grcmngmnt.com.
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