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Creditsafe brings credit scores and company financials straight onto your company records, so you can assess the financial health of an account without leaving Spott.

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Connect

Enable Creditsafe under Settings → Integrations → Creditsafe and connect your Creditsafe account. Credit scores and financials then appear on your company records.
Only workspace admins can enable this integration. A Creditsafe account is required.

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Generate a credit report

Open the company record and click Generate Credit Report, at the top right next to Actions. Spott asks for two things:
  • Tax identifier, with a country selector beside it. Pick the country of registration, then enter the company’s tax or VAT number.
  • Language, which sets the language the report comes back in.
Click Generate report to pull it.
The tax identifier is what Creditsafe matches on, not the company name. A company in Spott without one cannot be looked up until you add it.
If VIES is enabled, the VAT number is checked against the European Commission’s service as you type it, so you find out it is wrong before spending a Creditsafe lookup on it.

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Where the report ends up

The report is saved to the company’s Files tab as a PDF, named credit-report-<tax identifier>-<timestamp>.pdf. It is a full Creditsafe report of a dozen pages or so, not a summary, and it is written in the language you picked when generating it. Once a company has one, the button in the top right changes from Generate Credit Report to Credit Report, so you can tell at a glance whether an account has already been checked. The first page carries the headline figures:
  • Risk score and probability of default
  • International score, a letter grade for comparing across countries
  • Credit limit, the amount Creditsafe suggests is safe to extend
  • Status, whether the company is currently active
  • Legal filings and summons, flagged yes or no
Below that is a summary section with the company’s registration details, legal form, registration and incorporation dates, principal activity, and registered address.
Because each report is a file on the record rather than a live field, it is a snapshot. Generate a fresh one before you rely on the numbers for a decision, and the older PDFs stay on the record as a history of how the account has moved.

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Approve or decline the company

Click Credit Report in the top right of the company to open the report panel. The PDF fills the right-hand side, and the left is where the decision is made.

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Decision criteria

Spott checks the report against four criteria and ticks off the ones that pass: The two scored criteria show the company’s value next to the threshold it has to clear, so you can see how much headroom there is rather than just a pass or fail.

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The decision

Spott proposes an automatic decision based on those criteria, shown as Approved or declined in a dropdown. The dropdown is editable, so you can override the automatic outcome when you know something the report does not. Alongside it you can set:
  • A Note, for why the decision was made, which matters most when overriding.
  • An Expiry date, defaulting to a year out, after which the decision should be revisited.
Use Generate new report at the bottom to pull a fresh report for the same company, for instance once the expiry date is near.
When a company is approved or declined, Spott fires a client.updated webhook, so a finance or ERP system can pick up the decision without polling. The reports themselves are readable through the /clients/{clientId}/credit-reports endpoints in the API.