Assess a prospective customer in Türkiye: financial capacity and payment risk before offering credit terms or entering a significant commercial relationship.
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.
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.
Starting to trade on credit with a new customer, or setting its open account limit.
Who it is for
Manufacturers and distributors selling on credit to dealer networks or corporate customers
Companies that want to know the counterparty before a high-value contract
Finance teams that want to justify their credit limit and security policy
Assessment dimensions
What do we review?
Each dimension's weight determines its contribution to the class. If a critical dimension cannot be assessed, no class is given.
Financial resiliencecritical
Equity, profitability, liquidity, indebtedness and use of bank limits.
30%
Payment behaviourcritical
Payment pattern towards suppliers, credit history, collection period and tax/social security status.
25%
Transaction volume and terms
Whether the requested limit and payment term are consistent with the customer's turnover and current terms.
20%
Security and trading terms
Type of security that can be provided and the share of the limit it covers.
15%
Concentration
The customer's dependence on its own customers and suppliers.
10%
The questions can be answered by the customer itself or by the requesting company. If the requesting company answers, the review is document-supported.
Result
What do the classes mean for this service?
A
Standard terms and the requested limit are supported.
B
Standard terms are supported; payment performance should be monitored closely.
C
Trading on a shorter term, a lower limit or against security is recommended.
D
Trading on credit is not recommended on the basis of current information; the issues to be resolved are listed.
If critical information or documents are missing, no class is given (Incomplete due to missing information). Information sufficiency and the dimension profile are reported alongside the class.
Information and documents
What is requested from you and the candidate?
A preparation list for document-supported reviews; exact requirements appear in your case. Checkmarks help you prepare on this page only and are not saved to your account.
If a document is unavailable, provide the information you have without guessing. Gaps are disclosed. Critical gaps may prevent classification; new documents can support a revision.
Process
From application to approved report
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.
Presentation
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: 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.
FAQ
Frequently asked questions
Apply for the Customer Risk 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.
