Available from June 2025
D&B lanceert als eerste in België een AI gedreven scoringsysteem
The innovative Altares and D&B scorecard is the first in the Belgian market with AI integration for unprecedented accuracy and failure prediction power.
- The most accurate risk score ever
- Early signalling of increased financial risks
- 25% more business with the same risk appetite
Introduction
Groundbreaking AI technology for financial risk management
Altares is the first in the market to introduce a failure score that combines our tried and tested scorecards with the computing and analytical power of AI. With this innovation, you can seize business opportunities with greater confidence and reduce financial risks.
Improved scores from June 2025
- D&B Rating
- D&B Failure Score
- Overall Business Risk (OBR) Assessment
- Supplier Evaluation Risk (SER) Rating
- Supplier Stability Indicator (SSI)
- Global Business Ranking (GBR)
- Maximum Credit Recommendation
Dashboard
What stays the same
- The trusted interface you know
- Your current access and ease of use
- Not extra costs despite the upgrade
A more refined risk analysis
- From 2 to 21 different scorecards for more accuracy
- An extra AI layer for improved pattern recognition
- Up to 25% fewer companies receive a score of 3 or 4 (out of 4) with a constant number of bankruptcies
Wondering about the impact?
Request a retro-score analysis
What does this innovation mean for your company? If you would like to know, be sure to ask your account manager; or our data scientists, if you have technical questions
Wondering about the impact? A retro-score analysis allows you to see how the new score would have behaved in the past with your customers and prospects. You immediately grasp the differences and discover new opportunities as a result.
- contact account manager
How AI works in the scorecard
How does the new failure score work for Belgium?
Altares has developed a unique layered scoring system where AI enhances our traditional scorecard so that you can make credit decisions with even greater confidence. Our AI layer analyses complex patterns, providing new insights into the risk factors that can lead to bankruptcy. This innovation gives you a head start in identifying the opportunities and risks when doing business with companies, suppliers and individuals in Belgium.
What is the role of AI?
AI does not stand alone. Rather, it is embedded between two other layers. The logic layer drives the AI and ensures reliable analytics. The AI layer then categorises companies into risk segments. Finally, the scorecard layer translates these analyses into concrete failure scores. This layered structure combines the power of AI with the reliability of traditional scoring for which Altares has been known for years.
Facts about the Belgium scorecard
1.5 million Belgian companies are monitored
From 2 to 21 scorecards for unprecedented accuracy
Early identification of bankruptcies
Download the information document
Looking for some quick insights into the new Belgium scorecard? Check out this overview document for key information about the new scoring system, including how it works and its benefits. Download now and discover the details of this next-generation scoring system.
3-page PDF (0.7 MB)
1.5 million Belgian companies are monitored
From 2 to 21 scorecards for unprecedented accuracy
van faillissementen vroegtijdig geïdentificeerd
The future is here
The most accurate failure prediction ever
The new scorecard continuously analyses and monitors four key factors in 1.5 million Belgian companies: general business characteristics, financial strength, payment behaviour and stronger risk signals.
Identification of risk patterns
Any risk assessment starts with an analysis of the fundamental characteristics of a company. By doing this with our AI technology, we can identify specific patterns that are typical of healthy or, conversely, vulnerable companies.
AI spots financial risks earlier
By combining and analysing financial indicators with our AI technology, we generate a complete picture of a company's financial stability. This analysis enables us to identify potential risks at an early stage, before they become visible in traditional ratings.
Reliable insight into payment behaviour
A company's historical and current payment behaviour are indicators of its financial strength. By incorporating past and present in our assessement, we get a reliable picture of a company's creditworthiness.
Signalling of legal events
We continuously monitor legal events and other signals that may indicate financial problems. Our AI layer enables us to recognise these signals earlier and identify potential issues before they become critical.
The future of credit scoring is here. Are you ready?
Our new Belgium Scorecard combines the power of AI with our proven expertise. Not yet a customer of Altares, and you want to see how this innovation can improve your credit decisions?
deeper insight
Related articles
We are curious and like to share our findings. Read the latest blog posts related to our scorecard here.
Coming Soon: New Bankruptcy Score for Businesses in Belgium
From data to deal: working faster thanks to AI?
Is the credit manager being replaced by AI?
Questions & Answers
FAQ on Belgium Scorecard
Our AI-layered scoring is precisely designed to increase reliability. By combining the computing and analytical power of AI with our traditional scorecards, we bring you the best of both worlds.
The calculation model has been validated over multiple time periods (2017, 2018, 2020, 2021, 2022 and 2023) to confirm its stability and reliability. We can show you validation results if you so wish. In addition, Dun & Bradstreet regularly monitors performance to ensure the predictive value of the scores.
The score specifically predicts the likelihood that a company will, in the next 12 months, seek legal relief from its creditors or cease operations without paying all its creditors in full. The Dun & Bradstreet Data Cloud fuels this analysis.
The D&B Failure Score is designed to:
- (Largely) automate financial risk management for greater efficiency
- Process large volumes of transactions more quickly
- Enable consistent decision-making across the entire organizationÂ
- Reduce the costs of full application and annual risk assessments
- Apply scores across an entire portfolio to quickly identify risks and opportunities for customers and suppliers, both domestic and international
- Manage collection resources with prioritized actions for overdue payments
- Comply with laws and regulations by ensuring timely, consistent, and objective account-level decision-making
Unlike 'black box' AI systems, we provide full insight into the factors that determine a failure score. The failure score calculation is based on a comprehensive set of company data. The score looks at key characteristics such as the business sector, company size, company age, payment behaviour and financial performance. Information about management and possible legal events is also taken into account.
All this data is processed by an advanced system that uses artificial intelligence and statistical techniques. Our system has been developed and tested on the strength of data from more than 1.4 million Belgian companies. Business and data experts check the results to ensure that the score matches the Belgian market. The result is a reliable prediction of the likelihood that a company will face financial difficulties within 12 months.
The integration of AI into the process allows us to analyse far more data and identify more complex and subtle patterns. With 21 different scorecards (when formerly there were 2), we can assess risks in much more detail. This results in a 25% higher acceptance rate for a constant risk. As the bankruptcy prediction becomes more accurate, more companies are classified as non-risky. This allows you to do business with more companies without increasing your risk.
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