Customer creditworthiness
Customer creditworthiness is a synonym for the creditworthiness of the customer. This is made measurable by means of various key performance indicators (KPI) and can thus also be compared with other customers.
In ClassiX, customer creditworthiness is realised via a KPI Auditor. This auditor automatically monitors the invoices/credit notes in the background and defines the key figures. It also provides an overview of the customer's rating. The detailed rating of an individual customer can be viewed via the KPI Monitor.
The outgoing invoices are evaluated to determine the customer's creditworthiness. This is also carried out on the basis of the open items belonging to the invoice. If open items are posted directly in the financial accounting, they are not included in the customer creditworthiness. Outgoing credit notes are also taken into account for the determination of turnover.
Example of a customer credit rating
The system by which the customer's creditworthiness is assessed is not specified by ClassiX, but can be defined individually. The following rule for the rating is therefore only an example.
In determining customer creditworthiness, firstly, weighted key figures are calculated in percentage points. The sum of the percentage points can add up to a maximum of 100, so a customer with a value of 100 is a customer with a very good credit rating.
| Key figure | Evaluation | Description |
|---|---|---|
| Difference due date for net payment <-> Full payment | max. 70 | The difference in calendar days (NOT working days!) between the due date and the clearing of the corresponding open item is formed. On the basis of this value, the percentage points are calculated linearly decreasing from 70 points if within one week to 0 points if more than 4 weeks have passed.
|
| Number of reminders | max. 10 | The number of open item reminders is assessed with a maximum of 10 percentage points.
|
| Payment risk | max. 20 |
In addition, there are also summarised key figures, which result directly from the invoice/credit note.
| Key figure | Description | Data field |
|---|---|---|
| Number of receipts | ||
| Number of invoices | Number of registered invoices | invoiced.kpiCounter |
| Number of credits | Number of credits registered | credited.kpiCounter |
| Number of down payment requests | Number of down payment requests | pre.kpiCounter |
| Values | ||
| Value of goods | The value of the goods results from the invoice. It is the sum of the items, minus the discounts, plus the surcharges plus/minus the differences that may arise from a fixed sum in a group, the order or the invoice. | material.kpiValue |
| Freight value | The freight value is the sum of all values of the freight conditions. | freighted.kpiValue |
| Packaging value | The packaging value is the sum of all values of the packaging conditions. | packed.kpiValue |
| Expected discount | expected.kpiValue_cashDiscountAmount | |
| Discount taken | accepted.kpiValue_cashDiscountAmount | |
| Number of receipts by event | ||
| Number of payments with balanced OP | balanced.kpiCounter | |
| Number of payments with discount | Number of invoices with cleared OP Expected cash discount | kpiCounter_WithCashDiscount |
| Number of payments within the agreed period Objectives | ||
| Number of payments after 1-3 reminders | ||
| Number of payments after 3rd reminder | ||
| Key figures on the documents | ||
| Deviation payment <-> payment target | balanced.value | |
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