Before you authorize credit, see how your customer is doing.
In about 15 minutes you get a full report: risk, a suggested limit, and the why behind the number. Here’s what it looks like.
Industrias Rodríguez SA de CV
What level of risk does it represent?
Kontempo Score: 4.4
Very highVery low
Very low risk
Healthy business with a very strong credit history.
Risk level and Score come from statistical analysis.
How much credit can they use?
$150K – $270K MXN
This customer could use this amount of credit with your business.
Monthly purchases with you$200K
Monthly purchases in your category$267K
Key information
In favor
- Solid growth. Sales up 18% in the last year and positive operating cash flow over the last 3 months.
- You’re the key hardware and construction supplier. Of $3.2M in category purchases, $2.4M go to your business.
- Excellent punctuality. 96% on-time payments over the last 5 years with no active loans in arrears.
To consider
- Sales concentrated in few customers. 82% of their sales come from just 5 clients.
- High debt-service ratio. Debt payments total $7.8M and represent 15% of sales.
- Rising debt. Total debt has grown 31% in the last year.
Key information
Explore the report section by section
$53.0M MXN
Sales in the last 12 months · +18% vs the prior 12 months ($44.8M)
Quarterly sales · MXN, last 12 quarters
Customer concentration
52%Sales to top client
82%Sales to top 5 clients
| Client | Sales 12m | % of sales |
|---|---|---|
| Aceros del Norte SA | $27.6M | 52% |
| Constructora Méndez SA de CV | $5.6M | 11% |
| Distribuidora del Bajío SAPI | $4.3M | 8% |
| Materiales Ferro SA | $3.3M | 6% |
| Ferretería del Pacífico | $2.7M | 5% |
| Others | $9.5M | 18% |
$8.1M MXN
Total purchases in the last 12 months
Purchase distribution
With you · 30%Rest of the category · 10%Other purchases · 60%
$2.4M
With you
30% of the total and 75% of their hardware and construction spend.
$3.2M
In your category
40% of total purchases.
$4.9M
Other purchases
60% of the total.
+$4.2M
Operating cash flow
Last 3 months
+$1.0M
Total cash flow
Last 3 months
30.4%
Operating margin
Operating cash flow / sales
Composition · last 12 months
Operating cash flow over 6 months: $7.5M MXN.
Utilization
$20.3M
Approved credit lines
$2.4M
Principal balance
12%
Utilization
Used 12%Available 88%
Punctuality
Currently in arrears?No
On-time payments · last 5 years96%
Max delay in the last 5 years14 days
Delinquent balance0%
Credit demand
Change in credit lines · last year+18%
Change in total debt · last year+31%
~15 minThe report arrives in about 15 minutes after you invite your customer.
3free Kontempo Score reports with every subscription.
Assess your customer before extending credit
Start with your subscription and generate your first Kontempo Score.
✓
Thank you!
We've received your details. We'll contact you within 24 hours to set up your account.