Pebole Scoring provides on-demand credit reports and solvency assessments for businesses evaluating buyers and suppliers. The platform compiles financial ratios, payment behavior, legal filings, and management profiles into a single scored report, typically delivered within one day using just a company's Greek tax number (ΑΦΜ).
Funding
Funding not disclosed
Founders
Product
Problem
Businesses extending trade credit to new customers or entering supplier partnerships often lack a reliable, comprehensive view of the counterparty's financial health. Traditional credit checks may be fragmented, slow, or based on incomplete data, leaving companies exposed to bad debts and risky decisions.
Solution
Pebole Scoring delivers consolidated credit reports and solvency risk assessments by aggregating data from public, institutional, and private sources into a single clear evaluation. The platform scores companies across financial ratios, receivables and payment cycles, legal filings, financing structure, management profile, market reputation, and peer comparison. Reports are generated within a day using only the company's Greek tax number, and every standard service includes qualitative due diligence covering publicity, digital presence, and management stability. This enables businesses to set credit limits based on data rather than guesswork and to monitor ongoing risk with early-warning alerts.
Target Audience
Primary customers are businesses offering trade credit, onboarding new customers, or assessing suppliers and partners who need fast, data-driven credit risk evaluations.
Features
- Basic Credit Scoring package with 5 analysis pillars (efficiency, profitability, size, leverage, liquidity) and aggregate scoring per pillar
- Supplier Assessment package with 7 analysis pillars including return on assets, operational efficiency, asset turnover, and a Reliability Score out of 100
- Cash Conversion Cycle (CCC) calculation with trends and industry benchmarks in the Supplier Assessment package
- Behavioural data integration including payment orders, bounced cheques, prenotations, mortgages, and pledges
- Checks for overdue debts over €150K, ESPA participation, and AADE major-debtor list status
- Qualitative Due Diligence & Business Intelligence included at no extra cost, covering publicity, adverse mentions, digital presence, management stability, and customer/supplier concentration
- Optional add-ons: Stress Testing for adverse scenario resilience and 12-month Alert monitoring for changes in behavioural and financial data