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
Distributor & Dealer Assessment
Sample Company · Executive summary
Example class
B
Information sufficiency
Medium
Onboarding is recommended, with close monitoring for the first 6 months.
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.
Adding a new dealer or distributor to the sales network and setting its starting terms.
Who it is for
Brands and manufacturers growing their dealer and distributor networks
Sales teams that want to compare candidates when opening a new territory
Management teams that want to justify stock financing and security terms
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.
Financing and stockcritical
Financing of the first order and minimum stock, equity, indebtedness and bank limits.
30%
Territory and portfolio
Knowledge of the territory, existing customer portfolio and access to the targeted points of sale.
20%
Logistics and service
Warehouse, vehicle, delivery and after-sales service capacity.
20%
Sales team
Team size, experience and coverage of the territory.
15%
Brand compliance and reporting
Compliance with brand standards, other brands represented and reporting practice.
15%
Result
What do the classes mean for this service?
A
Standard onboarding is recommended.
B
Onboarding is recommended, with close monitoring for the first 6 months.
C
Onboarding with limited stock and cash-in-advance or secured terms is recommended.
D
Onboarding 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.
Distributor & Dealer Assessment
Information to prepare at your company
First order and minimum stock value
Targeted number of points of sale in the territory
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 Distributor & Dealer 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.
