JJurical
Transfer pricing3 credits

Indicative credit rating — standalone and at group level

Derive an indicative rating from your key financials: the ICR scorecard or the separate real-estate scorecard, a leverage notch, an equity floor in loss positions and a group adjustment bounded by the parent’s rating — with a sensitivity table at ±40% EBIT and a certified, reproducible report.

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credit-rating v1.0.0 · vintage 2026.1 · draft free
Example outcome
Standalone ratingBaa1
Interest coverage (EBIT / interest expenses)4.17×
Leverage notch — ratio 0.5000−1 (Baa2 → Baa1)
Group rating — parent Aa3, highly strategic (−1)A3
sha256 a3f19c47e8b2d05f6c91a4e7d23b8f50…

Who it’s for

01Transfer pricing specialists who need a rating as the starting point for an interest, guarantee or cash pool file.
02Tax advisers who must position a group company relative to its parent, including its degree of integration.
03Controllers and financing advisers who want to know where the company stands before meeting the bank, and what an EBIT decline does to that position.

What the tool does

✓ ICR scorecard: interest coverage (EBIT / interest expenses) mapped to a rating band, with a leverage notch✓ Separate real-estate scorecard: weighted score from LTV (mortgage / book value, 40%), debt/EBITDA (25%) and interest coverage (35%)✓ Equity floor in loss positions, with the corresponding note in the report✓ Group adjustment by integration level (core −2, highly strategic −1, strategically important 0, non-strategic +1)✓ Sensitivity table: standalone and group rating at EBIT −40%, −20%, 0%, +20% and +40%✓ Certified PDF with interest coverage, leverage ratio, notches, tool version and dataset vintage 2026.1
01 — Form
Case and key figures — a handful of fields.
02 — Draft
Full outcome layout, free.
03 — Pay and receive
Via Mollie, VAT/VIES handled.
04 — Report
Certified PDF + public hash.

Why a reproducible rating estimate?

Almost every discussion about intra-group financing starts with the borrower’s creditworthiness. Anyone without an external rating — which is the vast majority of Dutch group companies — has to derive it. Inspectors rarely take that derivation on trust: they want to see the ratios, the thresholds they were tested against and the parent’s influence.

This tool produces an indicative rating — not a formal credit rating opinion — but a fully traceable one: every ratio, every threshold, every notch and the dataset vintage used are stated in the report, with a publicly verifiable hash. The same input yields the same document years later.

Frequently asked questions about this tool

What data do I need?
EBIT, EBITDA, interest expenses, equity and total liabilities. For a real-estate company, additionally the mortgage debt and the book value of the property; if the company is part of a group, also the parent’s estimated rating (Aaa through Caa1, plus Ca) and the integration level. There is no currency or transaction-year input: the model works purely on ratios.
Does the industry affect the rating?
No. The scorecards work solely on your own ratios; the industry field is there for consistency with the other tools and does not change the outcome. Industry-specific data — recovery rates, default probabilities, betas — do come into play once you use the rating in the interest or guarantee calculation.
How does the group rating work?
The integration level shifts the standalone rating by −2 to +1 notch, after which the parent’s rating forms the bound: the group rating is the weaker of the two. An uplift can therefore never exceed the parent, and a subsidiary stronger than its parent is brought back to the parent’s level. The report shows both ratings side by side, so it stays visible which of the two was binding.
Try the draft — free and without an account.
You pay only when you unlock the report.
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Indicative credit rating — standalone and at group level — Jurical