Company history and partners

Recent legal charge history against the company

Presence of partners in previously bankrupt or liquidated companies

Unusual frequency of address change, indicative of tax or operational evasion.

Corporate structure with possible "fronts"

Number of changes to the articles of incorporation involving the exchange of partners in the last 2 years

Analysis of the personal assets of the partners indicating additional capacity for financial guarantees

Income concentration index among few clients below 30%

Automatic detection of inconsistencies or tampering in the submitted balance sheets

Stable or decreasing level of operating costs relative to revenue over the last 12 months

Consistent history of revenue growth over the last 24 months

EBIT margin above the industry average

Partners have a significant business relationship with competing companies

Partners in sanctions lists or public judicial proceedings

Number of members with a negative personal credit history

The Social Contract has been amended more than 3 times in the last year.