Insurer ratings
Insurer ratings are risk scores assigned by your credit insurer to each buyer. Afakto displays these ratings directly on the Buyer's profile so you can assess a buyer's risk level before making a guarantee request.
Where to find it
Buyers → open a Buyer → Insurer tab
When no rating is available for a buyer, Afakto displays NS (No Score).
How ratings work
Each insurer uses its own scoring scale. The table below shows how each scale maps to the three risk levels Afakto displays.
Risk level | Allianz (1–10) | Coface (1–10) | Atradius (0–99) | Groupama (0–10) |
🟢 Low | 1 to 4 | 8 to 10 | 0 to 39 | 7 to 10 |
🟡 Moderate | 5 to 6 | 5 to 7 | 40 to 69 | 5 to 6 |
🔴 High | 7 to 10 | 1 to 4 | 70 to 99 | 0 to 4 |
Note that Allianz, Atradius and Groupama use a lower is better scale, while Coface uses a higher is better scale.
What each risk level means
Low risk. Excellent creditworthiness. Maximum automatic coverage and guarantees apply.
Moderate risk. Monitoring required. Amount limits and restrictions may apply. For Allianz, grade 6 triggers a case-by-case review with a cap around €500,000.
High risk. Critical risk or poor score. Expect global rejections, heavy restrictions, or the buyer may be in insolvency or receivership.