SME score

Assessment of the probability of default by a legal entity, based on the data from open sources and the credit history

The solution is useful for credit scoring and monitoring of a legal entity, both with and without a credit history, by means of a separate model, built exclusively on open data.

What it includes:

Borrower’s current ID data, and the history of changes made to these data.

Register of requests

Real-time information about the number of requests on the subject.


Comments from the subject, reports of a lost passport, disputing a loan contract or activated FREEZE, credit history correction, certificate of passing the financial literacy test and information about the possible death of the person.

SME scoring

Two scoring models for assessing the creditworthiness of an entity, based on all available data (msbch) and exclusively on data from public sources (msbod). These demonstrate the probability of default.

Information about bankruptcy

Information about a business entity in respect of which bankruptcy proceedings are ongoing or have been completed.

Target function
Late payment of over 1000 UAH, at least 90 days past due, within a 12-month period.
Data from public sources, credit history.
Intellectual analysis of the text, tonality analysis, gradient boosting.
ROC-AUC “msbch”
ROC-AUC “msbod”
Default probability based on score
Model “msbch”
Model "msbod"
Report processing
This method enables the manual processing of requests. To request a report, it is enough to specify the USREOU.
This method of reporting enables the automated processing of requests, and provides reports in the format of your choice.
General structure of interaction:
Http Method
Request URL
Test URL

 Requesting a report is possible only subject to the legal entity’s consent

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