FLASH vs Extended12M: the challenge

A comparison between FLASH and Extended12M reports.

If you're reading this article, you probably downloaded s-peek. And after checking out the semaphore of some companies, you'd like to go deeper into the evaluation. But which report should you choose? Which one is the best suited to your needs?

Let's see a comparison between FLASH and Extended12M report on a sample company.

The FLASH report

The s-peek traffic light literally gave us the green light; the company is healthy. But we need more information. We can therefore use one of the 3 free credits we received at the app download to purchase a FLASH report.

The most relevant information can be found in the credit risk section. The company has achieved a BBB credit score, meaning that it's a sound company, which only serious economic events can destabilize (we talked about the difference between the score and the rating here).

The credit limit suggests the maximum exposure. The company we're analyzing is a micro company and s-peek suggests a maximum exposure of 81 thousand euros. Beyond this value, in case of economic and financial difficulties, the company may not be able to meet its obligations.

Finally, let's check the values of solvency, liquidity and profitability of the last three years. The company has gone through a slight deterioration, but nothing that could threaten its soundness. For a comparison with companies operating in the same sector, we can check the graphs of the sector analysis.

To sum up, for just one credit we find out that it's  a small but healthy company, with values in line with the sector's average and to which we can grant credit for about 81 thousand euros.

The Extended12M Report

Now let's compare the FLASH report with the Extended12M one.

In addition to all the data already included in the FLASH report, here we will find some additional information for an in-depth economic and financial analysis, useful if we intend to establish a long-lasting relationship with the company we’re analyzing.

In the Exteded12M reports we find the balance sheet data of the last three yearsBut also the credit risk section is richer and provides the value and the score of each ratio taken into account in the analysis. Reading the credit risk section requires some basic knowledge of economics, but on this blog you can find all the information to asses the profitability, liquidity and solvency of a company.

One last very important section: the company's corporate structure. Here you can find out who the shareholders are and credit score of any partnered or linked enterprise. 

There are other features in the FLASH and Extended12M reports that we haven't mentioned, but we hope this article will help you choose the report that best suits your needs.

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