Pebole provides data-driven credit scoring and risk assessment reports on Greek businesses, helping companies evaluate the financial health and creditworthiness of their buyers, suppliers, and partners. The platform aggregates financial statements, legal filings, and payment behavior data into clear, actionable reports, enabling informed decisions on credit limits and trade terms.
Funding
Funding not disclosed
Founders
Product
Problem
Companies extending trade credit to new or existing customers and suppliers often lack a comprehensive, objective view of their counterparties' financial health. Traditional credit checks can be slow, fragmented, or based on incomplete data, leading to increased risk of bad debts and poor decisions on credit terms.
Solution
Pebole offers a business credit scoring service that compiles financial, legal, and behavioral data into a single, clear assessment. The platform analyzes a company's financial ratios, receivables and payment cycles, legal filings, and management stability to generate a solvency score and credit risk rating. Reports are delivered quickly, often within a day, and include peer comparisons and industry benchmarks to provide context. Pebole also offers ongoing risk monitoring, alerting clients to significant changes in a counterparty's credit standing over time.
Target Audience
Primary customers are businesses and financial professionals who need to assess the creditworthiness of Greek companies, including those making trade credit decisions, managing supplier relationships, or monitoring existing customer risk.
Features
- Financial ratio analysis covering liquidity, profitability, leverage, and debt load, benchmarked against sector peers.
- Behavioral data integration including payment orders, bounced cheques, and overdue debts (€150K+).
- A Reliability Score out of 100 for supplier assessments, incorporating the Cash Conversion Cycle (CCC) and industry trends.
- Qualitative Due Diligence & Business Intelligence included in all standard services, covering management stability, digital presence, and market reputation.
- Optional add-ons such as stress testing and 12-month alert subscriptions for ongoing monitoring of financial and behavioral changes.
- Fast turnaround with reports delivered within a single day using only the company's Greek tax number (ΑΦΜ).