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Rating

Rating provides you with a quick insight in the solvability of your client in the eyes of a financier. Together with your client you can adequately act to improve the financing structure and create better financing conditions, if necessary.

The URA Rating is based on a quantitative model for credit scoring for small- and medium-sized enterprises. It uses a firm’s balance sheet, profit and loss statement, and its derived financial ratios as main input. With this data, it predicts the probability of default (PD) for the next twelve months after financial statement date. The URA rating uses strictly quantitative input. Strictly quantitative input results in models that are more objective and less labor-intensive than models which also include qualitative input.


The model originates from the University of Münster. It was developed and validated by Prof. Dr. Jürgen Hauschildt and Prof. Dr. Jens Leker. Since development, it is managed by the URA Rating Agency in Munich Germany. The model has been validated several times, by both the URA and Topicus.