D & B Report
Overview:
This section provides a structured summary of the D&B (Dun & Bradstreet) business credit report, including company information, executive summary, public filings, and payment activity. Sensitive data is redacted or represented as placeholders to maintain confidentiality, while preserving the report's analytical value for business assessment and decision-making.
{
"company_information": {
"name": "string or null",
"duns_number": "string or null",
"address": "string or null",
"phone": "string or null",
"year_started": "number or null",
"incorporation": {
"date": "string or null",
"state": "string or null"
},
"business_type": "string or null",
"employees": {
"total": "number or null",
"at_location": "number or null"
},
"industry_codes": {
"sic": {
"code": "string or null",
"description": "string or null"
},
"naics": {
"code": "string or null",
"description": "string or null"
}
}
},
"executive_summary": {
"d_and_b_rating": "string or null",
"financial_strength": "string or null",
"composite_credit_appraisal": "string or null",
"paydex_score": {
"company_24_months": "number or null",
"industry_median_24_months": "number or null",
"company_3_months": "number or null"
},
"financial_stress": {
"class": "number or null",
"score": "number or null"
},
"credit_score": {
"class": "number or null",
"score": "number or null"
},
"financials_overview": {
"sales": "number or null",
"net_worth": "number or null",
"working_capital": "number or null"
}
},
"d_and_b_viability_rating": {
"overall_rating": {
"viability_score": "number or null",
"portfolio_comparison": "number or null",
"data_depth_indicator": "string or null",
"company_profile": "string or null"
},
"viability_score_details": {
"risk_level": "string or null",
"probability_of_becoming_non_viable": "string or null",
"percentage_of_businesses_in_rank_2": "string or null",
"average_probability_of_non_viability_all_us": "string or null"
},
"portfolio_comparison_details": {
"risk_level": "string or null",
"model_segment": "string or null",
"probability_of_becoming_non_viable": "string or null",
"percentage_of_businesses_in_rank_7": "string or null",
"average_probability_of_non_viability_in_segment": "string or null"
},
"data_depth_and_company_profile": {
"firmographics": "string or null",
"commercial_trading_activity": "string or null",
"financial_attributes": "string or null",
"financial_data": "string or null",
"trade_payments": "string or null",
"business_size": "string or null",
"years_in_business": "string or null"
}
},
"business_history_and_ownership": {
"formation": "string or null",
"officers": [
{
"name": "string or null",
"title": "string or null",
"ownership_percentage": "number or null",
"biography": {
"birth_year": "number or null",
"education": "string or null",
"experience": [
"string or null"
]
}
}
],
"affiliate_company": {
"name": "string or null",
"location": "string or null",
"year_started": "number or null",
"operations": "string or null",
"intercompany_relations": "string or null"
}
},
"financials": {
"statement_information": {
"currency": "string or null",
"statement_as_of_date": "string or null",
"statement_source": "string or null",
"accountant_opinion": "string or null"
},
"comparative_statement": [
{
"year": "number or null",
"sales": "number or null",
"net_profit_loss": "number or null",
"net_worth": "number or null",
"current_assets": "number or null",
"other_assets": "number or null",
"current_liabilities": "number or null",
"long_term_liabilities": "number or null",
"working_capital": "number or null",
"current_ratio": "number or null"
}
],
"balance_sheet": [
{
"year": "number or null",
"as_of_date": "string or null",
"assets": {
"current_assets": {
"cash": "number or null",
"accounts_receivable": "number or null",
"inventory": "number or null",
"other_current_assets": "number or null",
"total": "number or null"
},
"non_current_assets": {
"fixtures_and_equipment": "number or null",
"other_non_current_assets": "number or null"
},
"total_assets": "number or null"
},
"liabilities_and_net_worth": {
"liabilities": {
"current_liabilities": {
"accounts_payable": "number or null",
"notes_payable": "number or null",
"current_portion_of_ltd": "number or null",
"other_current_liabilities": "number or null",
"total": "number or null"
},
"long_term_liabilities": {
"other_long_term_liabilities": "number or null"
}
},
"net_worth": {
"common_stock": "number or null",
"retained_earnings": "number or null",
"total": "number or null"
},
"total_liabilities_and_net_worth": "number or null"
}
}
],
"income_statement": [
{
"year": "number or null",
"as_of_date": "string or null",
"sales": "number or null",
"cost_of_goods_sold": "number or null",
"gross_profit": "number or null",
"operating_expenses": "number or null",
"operating_income": "number or null",
"other_expenses": "number or null",
"net_income_before_taxes": "number or null",
"federal_income_tax": "number or null",
"net_income": "number or null"
}
]
},
"public_filings": {
"summary": {
"judgments": "number or null",
"liens": "number or null",
"suits": "number or null",
"ucc_filings": "number or null"
},
"details": [
{
"type": "string or null",
"date_filed": "string or null",
"status": "string or null",
"against_debtor": "string or null",
"in_favor_of_filed_by_secured_party": "string or null",
"where_filed": "string or null"
}
]
},
"payment_activity": {
"summary_and_trends": {
"average_high_credit": "number or null",
"highest_credit": "number or null",
"total_highest_credit": "number or null",
"current_paydex": "string or null",
"paydex_24_month_range": {
"low": "number or null",
"high": "number or null"
}
},
"payment_habits_by_credit_extended": [
{
"credit_range": "string or null",
"percent_within_terms": "string or null",
"number_of_experiences": "number or null",
"total_amount_usd": "number or null"
}
],
"detailed_payment_history": [
{
"date_reported": "string or null",
"paying_record": "string or null",
"high_credit": "number or null",
"now_owes": "number or null",
"past_due": "number or null",
"selling_terms": "string or null"
}
]
}
}