Assess your customers, distributors, franchise candidates and suppliers in Türkiye through document-based expert review. Our local expertise connects company findings with sector context and practical next steps.
The scope and required documents are confirmed in writing after application. Site visits and paid external verification are excluded. Additional services begin only with separate acceptance. There is no obligation to buy a paid service.
Choose a service
Which assessment fits your decision?
Services are not limited to a particular sector. Choose by relationship type and the decision you need to make.
Comparison of the four assessment services
Service
Decision supported
Starting documents
Explore
Customer Risk Assessment
Trade credit and open-account terms
Balance sheet and income statement for the last 2 years (as filed with the tax returns), trial balance for the latest period; Bank risk/limit letter or commercial credit bureau (Findeks) report
Balance sheet and income statement for the last 2 years (as filed with the tax returns), trial balance for the latest period; Bank risk/limit letter or commercial credit bureau (Findeks) report
Financial statements for the last 2 years (as filed with the tax returns) and trial balance for the latest period; Quality and other management system certificates
On smaller screens, scroll the table horizontally. All four services report findings, information gaps and next steps, with a class where the assessment permits.
TCMB sector comparison
Where does the company stand in its sector?
Read company financial indicators alongside TCMB statistics for the same year, sector and appropriate size group. Clear charts and expert commentary explain the differences.
Interactive illustrative example · Not actual TCMB data
Sector middle range (25th–75th percentile)35–70 days
0100 days
● Blue dot: company
│ Line: sector median
▰ Shaded range: middle half of the sector
Illustrative expert commentary: The collection period is 20 days longer than the sector median. This may increase working capital needs.
All figures in this example are fictional. An actual report identifies the financial year, activity sector (NACE), size group and TCMB source period. The median is the middle value; the middle range covers the middle half of companies. Higher is not always better.
Missing data or an unsuitable comparison group is disclosed, not plotted as zero. The middle range is used only where supported by source data.
Clear comparison
Company values, sector medians and the sector's middle range are shown together. The median is the middle value in the comparison group.
Transparent sources
The report states the data year, NACE sector, size group and source. Use of a broader comparison group is disclosed.
Comparable data
Available across all four services where suitable financials exist. Unavailable comparisons are disclosed for newly established businesses or those without sufficient financial history.
The comparison does not change the score, class or credit limit. It is prepared by RiskOpto using public sector data and is not TCMB approval of a company.
Browse all pages of the English sample reports. Main headings are readable and details are blurred. Samples do not represent actual company assessments.
Start with the summary
Read the class alongside information sufficiency, findings and next steps. This readable summary uses entirely fictional information. Full report details below remain blurred.
RiskOptoILLUSTRATIVE SAMPLE
Customer Risk Assessment
Sample Company · Executive summary
Example class
B
Information sufficiency
Medium
Standard terms are supported; payment performance should be monitored closely.
Strength
Positive equity in the financial statements provided.
Attention point
Collection period exceeds the sector median.
TCMB comparison presentation · Collection period
Company75 days
Sector55 days
Values are fictional, not actual TCMB data.
Next step
Review payment behaviour using updated receivables ageing and a commercial Findeks report. Gaps and working terms are assessed by the specialist for each case.
This fictional example explains how to read a report; its class has not been calculated. It is not a real company assessment, credit decision or TCMB endorsement.
A fully readable two-page sample
Read the executive summary, the interpretation of a CBRT comparison and an action plan in a customer acceptance example. All data is fictional and the class has not been calculated. This short sample does not replace a full report.
Your report is completed within 2 business days after data entry is complete.
From data to expert insight
Your documents are reviewed together
Financial statements, declarations and relationship-specific requirements are considered together. A GRC specialist reviews inconsistencies and information gaps, requesting clarification or new documents where needed.
The report states clearly what each piece of information is based on.
Declaration-based
Answers and explanations of the authorised person
Does not mean that the declarations have been independently verified.
Document-supported
Recommended
Answers plus the financial statements, bank and official documents requested within the scope
Submission of a document does not mean that it has been confirmed with an external source.
Verified (additional scope)
In addition to the document-supported scope, an agreed site visit or external source check
The report states which information was verified, against which source and on what date.
Result
The result is given through three indicators
The report is delivered to the applicant. In buyer-requested assessments, the supplier cannot access the report. A supplier applying for its own company receives the report and can share it with buyers.
Class
A · B · C · D
Tells you on what terms you can work together. If critical information is missing, no class is given: Incomplete due to missing information.
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.
Assessment areas
Strong · Adequate · Limited · Weak
The level of each dimension is shown separately, so strengths and issues to address are visible.
Principles
Why the report can be relied on
Expert review, four-eyes approval
A GRC expert justifies the score; the report is published only after a separate approver has checked it.
Gaps are not hidden
Unanswered questions and missing documents are shown clearly in information sufficiency and in the report.
A serious finding is not offset by the score
Findings such as negative equity, overdue public debt or an unexplained discrepancy cap the class.
A verifiable report
Every approved report carries a verification code, so the recipient can confirm it is authentic and current.
AI-assisted review, human decision
Uploaded documents go through an AI pre-review; inconsistencies and gaps reach the expert already flagged. Report texts are drafted with AI and checked by a second AI model. The score is calculated by a transparent, rule-based methodology; the expert justifies it and a separate approver signs off the report.
GRC Management expertise
RiskOpto draws on GRC Management's work in risk management, internal audit and finance. Prof. Dr. Davut Pehlivanlı's academic and practical experience informs the team's assessment approach. Each case is reviewed by an authorised specialist and a separate approver.
RiskOpto is the outcome of an R&D project supported by TÜBİTAK, the Scientific and Technological Research Council of Türkiye. This describes the platform's development history; individual reports are reviewed and approved by GRC Management.
The Türkiye Risk Report brings together long-term risk research, while RiskTR covers the risk agenda and data insights. These publications are separate from company assessment reports.
These options define company count and engagement frequency. Review depth is selected separately: declaration-based, document-supported, or verified through agreed source checks. The complimentary first report is document-supported.
Reports are completed within 2 business days after data entry is complete. Multiple-company delivery schedules are stated in the proposal. Site visits and paid external checks are excluded from the complimentary report; additional work and later updates start only after separate acceptance.
The agreed service and scope cover expert review, information sufficiency, findings and next steps. TCMB comparisons are provided where suitable financial data and a comparison group are available. If critical information is missing, the report clearly states that no class can be assigned.
Reassessment is generally recommended within a year; for higher-risk companies, use quarterly financials and a current commercial Findeks report. Review material changes sooner. Periodic reassessment does not mean continuous automated monitoring.
Frequently asked questions
Apply for an assessment
Your first document-supported report is complimentary: one report per company across the four services. The scope and timeline are confirmed in writing. For questions, write to sales@grcmngmnt.com.
