The so-called rating is a standard instrument for banks in order to estimate the creditworthiness of their customers, which means the (future) ability to fulfil the financial obligations both completely and in due time.

In order to achieve a "good" rating, certain criteria which can vary among banks have to be fulfilled. The banks' credit rating system usually includes the following criteria:

  market conditions and competitive position
  management valuation
  job profile and industry valuation
  traceability and foundation of forecasts
  profit situation
  financial state
  loan security
  financier's identification with the company.


Our consultancy profile is aimed at

  making a rating estimate,
  identifying the most important determinants for this and
  developing improvement suggestions that affect the rating positively.


We accompany the medium-sized businesses along the way from reaction to action.