Z-Score with real trend history, sector peer benchmarking, and AI-surfaced risk signals from a company's own filed narrative — every flag traceable back to its source.
Altman Z-Score calculated from filed data, plotted across every historical filing.
Compared against the sector median so a score has real context, not an isolated number.
Going concern, litigation, and contingent liability signals, each linked to the filing that mentions it.
Not a single snapshot — see whether financial health is improving or deteriorating filing over filing.
Z-Score and liquidity ratio compared to the sector median, with a clear above/below-average read.
How consistently a company files on time — a real proxy for how it treats other obligations.
Any legal proceedings or disputes disclosed in the accounts, with amounts where mentioned.
Whether the company is stated as a going concern, and any material uncertainties disclosed.
Guarantees, indemnities, and contingent obligations disclosed, with amounts where available.
A lender reviewing a loan application checks Z-Score trend, sector benchmarking, and risk flags together — a materially fuller picture than a single credit score, with every claim traceable to its source.
A credit controller uses peer benchmarking to see whether a new customer's financial position is genuinely strong for its sector, or just looks fine in isolation — informing a properly calibrated credit limit.
An underwriter assessing a commercial policy reviews going-concern and litigation flags alongside the Z-Score trend, catching risk signals a bare credit score alone wouldn't surface, and pricing the policy accordingly.
| Capability | Populous Credit Intelligence | Generic credit score service |
|---|---|---|
| Z-Score trend history, not just current value | Yes | Often single snapshot |
| Sector peer benchmarking | Yes | Rarely included |
| Risk flags cited to source filing | Yes | Score with no explanation |
| Data freshness | Daily | Varies |
Using the Altman Z-Score model applied to the company's filed financial data, with a confidence percentage reflecting how complete the underlying data is.
A company's Z-Score and liquidity ratio are compared against the median for its sector, based on companies sharing the same SIC classification.
Risk flags are generated by grounded AI analysis of the company's own filed narrative, each with a source citation — not manually reviewed, but always traceable and verifiable.
Yes — the Z-Score Trend chart plots the score across every historical filing, showing whether financial health is improving or deteriorating.