Derive an indicative rating from your key financials: the ICR scorecard or the separate real-estate scorecard, a leverage notch, an equity floor in loss positions and a group adjustment bounded by the parent’s rating — with a sensitivity table at ±40% EBIT and a certified, reproducible report.
Almost every discussion about intra-group financing starts with the borrower’s creditworthiness. Anyone without an external rating — which is the vast majority of Dutch group companies — has to derive it. Inspectors rarely take that derivation on trust: they want to see the ratios, the thresholds they were tested against and the parent’s influence.
This tool produces an indicative rating — not a formal credit rating opinion — but a fully traceable one: every ratio, every threshold, every notch and the dataset vintage used are stated in the report, with a publicly verifiable hash. The same input yields the same document years later.