CTOS
Overview:
This section provides a comprehensive summary of the CTOS credit report, including company profile, financial highlights, credit risk assessment, and enquiry history. All sensitive personal and business information has been redacted to ensure compliance with data protection regulations, while retaining key analytical insights for business decision-making.
{
"report_metadata": {
"report_number": "string or null",
"report_date": "string or null",
"attention_to": "string or null",
"account": "string or null"
},
"company_profile": {
"company_name": "string or null",
"registration_number": "string or null",
"registration_date": "string or null",
"registration_address": "string or null",
"business_address": "string or null",
"business_sector": "string or null",
"company_status": "string or null",
"auditor": "string or null",
"last_financial_year_end": "string or null",
"previous_name_changes": [
{
"name": "string or null",
"date_changed": "string or null"
}
]
},
"financial_snapshot": {
"last_updated": "string or null",
"revenue_rm": "number or null",
"profit_after_tax_rm": "number or null",
"total_assets_rm": "number or null",
"paid_up_capital_rm": "number or null",
"total_company_charges_rm": "number or null"
},
"credit_risk_assessment": {
"sme_financial_health_indicator": {
"rating": "string or null",
"description": "string or null"
},
"potential_credit_line_rm": {
"min": "number or null",
"max": "number or null"
},
"ctos_litigation_index": {
"value": "number or null",
"description": "string or null",
"number_of_records": "number or null",
"most_recent_settlement": "string or null"
}
},
"credit_info_at_a_glance": {
"winding_up_bankruptcy_proceedings": {
"entity": "string or null",
"related_parties": "string or null",
"source": "string or null"
},
"legal_records_personal_past_24_months": {
"number": "number or null",
"value_rm": "number or null",
"source": "string or null"
},
"legal_records_non_personal_past_24_months": {
"number": "number or null",
"value_rm": "number or null"
},
"availability_of_legal_records": {
"entity": "string or null",
"related_parties": "string or null",
"source": "string or null"
},
"special_attention_accounts": {
"entity": "string or null",
"related_parties": "string or null",
"source": "string or null"
},
"availability_of_dishonoured_cheques": {
"entity": "string or null",
"related_parties": "string or null",
"source": "string or null"
},
"outstanding_credit_facilities": {
"number": "number or null",
"value_rm": "number or null",
"source": "string or null"
},
"installments_in_arrears_past_12_months": {
"entity": "string or null",
"related_parties": "string or null"
},
"credit_applications_past_12_months": {
"total": "number or null",
"approved": "number or null",
"pending": "number or null",
"source": "string or null"
}
},
"directors_and_shareholders": {
"directors": [
{
"name": "string or null",
"residential_address": "string or null",
"new_id": "string or null",
"old_ic": "string or null",
"designation": "string or null",
"appointment_date": "string or null",
"resignation_date": "string or null"
}
],
"shareholders": [
{
"name": "string or null",
"id_number": "string or null",
"shareholding_shares": "number or null",
"shareholding_percentage": "number or null"
}
]
},
"capital_structure": {
"authorised_capital_rm": "number or null",
"paid_up_capital_rm": "number or null",
"share_types": [
{
"type": "string or null",
"number_of_shares": "number or null",
"nominal_value_sen": "number or null",
"other_than_cash": "number or null",
"total_issue_capital": "number or null"
}
]
},
"company_charges": {
"total_company_charges_rm": "number or null",
"charges": [
{
"charge_number": "number or null",
"created_date": "string or null",
"amount_rm": "number or null",
"status": "string or null",
"chargee": "string or null"
}
]
},
"financial_statements": {
"periods": [
{
"financial_year_end": "string or null",
"balance_sheet": {
"non_current_assets": "number or null",
"fixed_assets": "number or null",
"other_assets": "number or null",
"current_assets": "number or null",
"total_assets": "number or null",
"total_assets_yoy_growth": "string or null",
"non_current_liabilities": "number or null",
"current_liabilities": "number or null",
"long_term_liabilities": "number or null",
"total_liabilities": "number or null",
"total_liabilities_yoy_growth": "string or null",
"share_capital": "number or null",
"share_premium": "number or null",
"reserves": "number or null",
"minority_interests": "number or null",
"net_worth": "number or null",
"net_worth_yoy_growth": "string or null"
},
"income_statement": {
"revenue": "number or null",
"revenue_yoy_growth": "string or null",
"profit_before_tax": "number or null",
"profit_before_tax_yoy_growth": "string or null",
"profit_after_tax": "number or null",
"profit_after_tax_yoy_growth": "string or null",
"net_dividend": "number or null"
},
"ratios": {
"current_ratio": "number or null",
"working_capital_days": "number or null",
"return_on_assets": "string or null",
"return_on_equity": "string or null",
"pbt_margin": "string or null",
"pat_margin": "string or null",
"asset_turnover_ratio": "number or null",
"gearing_ratio": "number or null",
"dividend_payout_ratio": "number or null",
"earnings_per_share": "number or null",
"dividend_per_share": "number or null"
}
}
]
},
"related_companies": {
"subsidiaries": [
{
"name": "string or null",
"registration_number": "string or null",
"paid_up_capital_rm": "number or null",
"shareholding_percentage": "number or null"
}
]
},
"banking_payment_history": {
"ccris_summary": {
"credit_applications": {
"approved_past_12_months_count": "number or null",
"pending_count": "number or null",
"pending_amount_rm": "number or null"
},
"liabilities_summary": {
"as_borrower_outstanding_rm": "number or null",
"as_borrower_total_limit_rm": "number or null",
"total_outstanding_rm": "number or null",
"total_limit_rm": "number or null"
},
"legal_action_taken": "string or null",
"special_attention_account": "string or null"
},
"ccris_details": {
"outstanding_credit": [
{
"date": "string or null",
"status": "string or null",
"capacity": "string or null",
"lender_type": "string or null",
"facility": "string or null",
"total_outstanding_balance_rm": "number or null",
"date_balance_updated": "string or null",
"limit_or_instalment_amount_rm": "number or null",
"repayment_term": "string or null",
"conduct_of_account_last_12_months": "string or null",
"legal_status": "string or null"
}
],
"credit_applications": [
{
"application_number": "number or null",
"date": "string or null",
"status": "string or null",
"capacity": "string or null",
"lender_type": "string or null",
"amount_rm": "number or null"
}
]
},
"dishonoured_cheques": [
{
"bank": "string or null",
"account_number": "string or null",
"issuance_date": "string or null",
"remark": "string or null"
}
]
},
"supplementary_information": {
"address_information": [
{
"address": "string or null",
"state": "string or null",
"postcode": "string or null",
"created_date": "string or null"
}
],
"contact_information": [
{
"contact_number": "string or null",
"created_date": "string or null"
}
],
"occupation_information": [
]
},
"legal_cases": {
"as_defendant": {
"summary": [
{
"case_number": "number or null",
"case_type": "string or null",
"amount_rm": "number or null",
"plaintiff": "string or null",
"status": "string or null",
"subject_comments": "string or null"
}
],
"details": [
{
"case_type": "string or null",
"special_remark": "string or null",
"case_no": "string or null",
"court": "string or null",
"action_date": "string or null",
"hearing_date": "string or null",
"amount_rm": "number or null",
"remark": "string or null",
"plaintiff": "string or null",
"solicitor": "string or null",
"solicitor_address": "string or null",
"solicitor_tel": "string or null",
"solicitor_ref": "string or null",
"settlement_status": "string or null",
"settled_date": "string or null",
"subjects_confirmation_status": "string or null",
"status_update_date": "string or null",
"source_of_update": "string or null",
"source_dated": "string or null",
"next_review_date": "string or null"
}
]
},
"as_plaintiff": [
{
"case_type": "string or null",
"defendant_name": "string or null",
"defendant_address": "string or null",
"case_no": "string or null",
"amount": "number or null",
"petition_date": "string or null",
"hearing_date": "string or null",
"solicitor": "string or null",
"solicitor_address": "string or null",
"solicitor_tel": "string or null",
"solicitor_ref": "string or null"
}
]
},
"anti_money_laundering_act_amla": "string or null",
"trade_reference": {
"relationships": [
{
"name": "string or null",
"id": "string or null",
"type": "string or null",
"date": "string or null"
}
],
"customer_details": {
"relationship_type": "string or null",
"start_date": "string or null"
},
"aging_information": {
"statement_date": "string or null",
"debtor_name": "string or null",
"credit_terms_days": "number or null",
"address": "string or null",
"outstanding_breakdown": {
"days0_30": "number or null",
"days31_60": "number or null",
"days61_90": "number or null",
"days91_120": "number or null",
"days121_150": "number or null",
"days151_180": "number or null",
"days_over_180": "number or null"
}
},
"account_conduct": "string or null",
"returned_cheque_history": [
{
"cheque_no": "string or null",
"account_no": "string or null",
"bank": "string or null",
"amount_rm": "number or null",
"date_returned": "string or null",
"reason": "string or null",
"cheque_issuer": "string or null"
}
],
"reminders_and_demands": [
{
"type": "string or null",
"date": "string or null",
"reference": "string or null"
}
],
"cra_comment": "string or null",
"subjects_comment": "string or null",
"referee_information": {
"referee": "string or null",
"contact_name": "string or null",
"address": "string or null",
"telephone": "string or null",
"nature_of_business": "string or null"
}
},
"historical_enquiry": [
{
"year": "number or null",
"enquiries": [
{
"month": "string or null",
"fi": "number or null",
"non_fi": "number or null",
"lawyer": "number or null",
"total": "number or null"
}
]
}
],
}Redaction Summary
The following types of personal and sensitive information have been redacted:
Personal Data Redacted:
- Individual Names: All director and shareholder names
- IC Numbers: All Malaysian Identity Card numbers
- Residential Addresses: All personal addresses
- Phone Numbers: All contact numbers
- Bank Account Numbers: All account numbers
Business Data Redacted:
- Company Addresses: Business and registration addresses
- Bank Names: Financial institution names
- Law Firm Names: Legal service providers
- Case Numbers: Legal case references
- Solicitor References: Legal document references
Data Retained:
- Financial Figures: Revenue, profit, assets, liabilities (aggregate data)
- Company Structure: Shareholding percentages, capital structure
- Credit Information: CCRIS data, payment history patterns
- Legal Status: Case types and outcomes (without identifying details)
- Enquiry History: Statistical data without personal identifiers
This redacted version maintains the analytical value of the document while ensuring compliance with Malaysia's Personal Data Protection Act (PDPA) by removing all personally identifiable information.