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Certificate of Financial Reliability

What does the Certificate of Financial Reliability represent?

As part of the development of our procedures and models for creditworthiness assessment, at Prva bonitetna agencija d.o.o., we have developed a model that, based on balance sheet data and other publicly available business information, selects those entities for which there is a negligible or practically zero probability of any signs of weakening of payment ability occurring within a period of one to two years.

The Certificate of Financial Reliability is a certificate issued by the credit rating agency PRVA BONITETNA AGENCIJA d.o.o., which can be obtained by a business entity from the elite group, representing only 8.75% of the total population of business entities in Slovenia. For these entities, as a credit rating agency, based on carefully selected criteria, we can confirm with all due professional care that:

they are entities with significantly above-average financial position and operations,

they finance their operations with an appropriate proportion of equity and have such asset and liability structure towards sources of funds that ensure liquid and smooth operations and represent a suitable guarantee of their solvent financial position in the medium-term future.

Existing and prospective business partners of the holders of the Certificate of Financial Reliability can reasonably assume that, in the short term, for a minimum of one year, circumstances that would require the initiation of any insolvency proceedings under the Law on Financial Operations, Insolvency Proceedings, and Compulsory Dissolution (ZFPPIPP) will not occur.

Certificate of Financial Reliability

Premium Certificate of Financial Reliability

Statistics of Certificate of Financial Reliability Holders

The probability that a holder of the Certificate of Financial Reliability will encounter the initiation of bankruptcy proceedings, compulsory settlement, or simplified compulsory settlement as defined by the Financial Operations, Insolvency Proceedings, and Compulsory Dissolution Act (ZFPPIPP) is:

In the first year: 0.015%

In the first two years: 0.080%

In the first three years: 0.203%

The probability that a holder of the Certificate of Financial Reliability will encounter a transaction account block is:

For more than 60 days in the entire first year: 0.13%

For more than 90 days in the entire first year: 0.10%

For more than 60 days in the first two years: 0.38%

For more than 60 days in the first three years: 0.68%

For more than 2 days in the entire first year: 0.73%

Who and how can obtain the Certificate?

Prva bonitetna agencija issues the certificate in accordance with the General Terms and Conditions for issuing the Certificate of Financial Reliability, which also specify the conditions for obtaining the Certificate. Ordering the Certificate and Pricing? In accordance with the General Terms and Conditions for issuing the Certificate, the issuer conducts an assessment of the applicant to verify whether they meet all the conditions for obtaining the Certificate. If the applicant does not meet the conditions, there are no costs associated with the assessment. A Certificate applicant who meets the conditions for obtaining the Certificate can, at their own choice within the given order, upon issuance of the Certificate of Financial Reliability, obtain:

Certificate of Financial Reliability in the form of a document (available in Slovenian and English),

e-Certificate (same as in document form) in electronic form (available in Slovenian and English),

e-sign of the Certificate as an electronic sign of the Certificate in electronic form, which the holder can use on their websites under the issuer's control, and

Certificate Report in document and/or electronic form with information about the Certificate, the Certificate holder, their business, and the criteria met to obtain the Certificate (available in Slovenian and English).

Pricing - Certificate of Financial Reliability

1. Assessment of the entity and issuance of the certificate

Certificate of Financial Reliability in the form of a document (available in Slovenian and English)

€  290,00 

e-Certificate (same as in document form) in electronic form (available in Slovenian and English)

€  240,00 

2. Addenda to the certificate

Certificate of Financial Reliability in the form of a document (available in Slovenian and English),

€ 70,00 

Certificate Report in document form (available in Slovenian and English),

€ 70,00 

Certificate Report in electronic form (available in Slovenian and English)

€ 50,00 

e-sign of the Certificate in electronic form (available in Slovenian and English),

€ 50,00 

e-Certificate in electronic form in document form (available in Slovenian and English)

€ 50,00 

Check whether you meet the criteria for obtaining a Certificate of Financial Reliability  

98.88% of Certificate of Financial Reliability holders in 2023 without any day of account blockage

The criteria for obtaining the Certificate of Financial Reliability are carefully selected and quite stringent, as issuing the Certificate aims to demonstrate, with a high degree of certainty, that the holder is a business entity whose financial position is such that it can be assessed with a high degree of probability that they are a financially reliable business partner, and the probability of insolvency within a minimum short-term period of one year is practically zero. These criteria result in only 8.75% of entities in the Slovenian economic environment being eligible for obtaining the Certificate. Data analysis of the operations of these eligible entities shows that the probability of initiating any insolvency proceedings in the 1st year from the issuance of the Certificate is 0.12%, in the first two years is 0.051%, and in the first three years is 0.127%. Regarding the blockages of their transaction accounts, the probability of blockage for more than 60 days in the 1st year is only 0.12%, and for more than 2 days in the 1st year is only 0.59%. After reviewing the operations of the Certificate of Financial Reliability holders in 2023, we are pleased to note that as many as 98.88% of the eligible entities in 2023 did not have their transaction account blocked for even 1 day. These findings satisfactorily confirm the adequacy of the criteria that an eligible entity must meet to obtain the Certificate. Therefore, the trust in the financial reliability of the Certificate of Financial Reliability holders by their business partners is entirely justified.

Check whether you meet the criteria for obtaining a Certificate of Financial Reliability 

Statistics of Premium Certificate of Financial Reliability Holders

The probability that a holder of the Premium Certificate of Financial Reliability will encounter the initiation of bankruptcy proceedings, compulsory settlement, or simplified compulsory settlement as defined by the Financial Operations, Insolvency Proceedings, and Compulsory Dissolution Act (ZFPPIPP) is:

In the first year: 0.006%

In the first two years: 0.039%

In the first three years: 0.103%

The probability that a holder of the Premium Certificate of Financial Reliability will encounter a transaction account block is:

For more than 60 days in the entire first year: 0.12%

For more than 90 days in the entire first year: 0.09%

For more than 60 days in the first two years: 0.32%

For more than 60 days in the first three years: 0.51%

For more than 2 days in the entire first year: 0.53%

Who and how can obtain the Premium Certificate?

Prva bonitetna agencija issues the certificate in accordance with the General Terms and Conditions for issuing the Certificate of Financial Reliability, which also specify the conditions for obtaining the Certificate. 

Ordering the Certificate and Pricing?

In accordance with the General Terms and Conditions for issuing the Certificate, the issuer conducts an assessment of the applicant to verify whether they meet all the conditions for obtaining the Certificate. If the applicant does not meet the conditions, there are no costs associated with the assessment.

A Certificate applicant who meets the conditions for obtaining the Certificate can, at their own choice within the given order, upon issuance of the Certificate of Financial Reliability, obtain:

Premium Certificate of Financial Reliability in the form of a document (available in Slovenian and English),

e-Certificate (same as in document form) in electronic form (available in Slovenian and English),

e-sign of the Certificate as an electronic sign of the Certificate in electronic form, which the holder can use on their websites under the issuer's control, and

Certificate Report in document and/or electronic form with information about the Certificate, the Certificate holder, their business, and the criteria met to obtain the Certificate (available in Slovenian and English).

Pricing - Premium Certificate of Financial Reliability

1. Assessment of the entity and issuance of the certificate

Certificate of Financial Reliability in the form of a document (available in Slovenian and English)

290,00 

e-Certificate (same as in document form) in electronic form (available in Slovenian and English)

240,00 

2. Addenda to the certificate

Certificate of Financial Reliability in the form of a document (available in Slovenian and English)

70,00 

Certificate Report in document form (available in Slovenian and English)

70,00 

Certificate Report in electronic form (available in Slovenian and English)

50,00 

e-sign of the Certificate in electronic form (available in Slovenian and English)

50,00 

e-Certificate in electronic form in document form (available in Slovenian and English)

50,00 

Check whether you meet the criteria for obtaining a Certificate of Financial Reliability 

98.88% of Certificate of Premium Financial Reliability holders in 2023 without any day of account blockage

The criteria for obtaining the Certificate of Financial Reliability are carefully selected and quite stringent, as issuing the Certificate aims to demonstrate, with a high degree of certainty, that the holder is a business entity whose financial position is such that it can be assessed with a high degree of probability that they are a financially reliable business partner, and the probability of insolvency within a minimum short-term period of one year is practically zero. These criteria result in only 8.75% of entities in the Slovenian economic environment being eligible for obtaining the Certificate. 

Data analysis of the operations of these eligible entities shows that the probability of initiating any insolvency proceedings in the 1st year from the issuance of the Certificate is 0.12%, in the first two years is 0.051%, and in the first three years is 0.127%. Regarding the blockages of their transaction accounts, the probability of blockage for more than 60 days in the 1st year is only 0.12%, and for more than 2 days in the 1st year is only 0.59%.

After reviewing the operations of the Certificate of Financial Reliability holders in 2023, we are pleased to note that as many as 98.88% of the eligible entities in 2023 did not have their transaction account blocked for even 1 day.
These findings satisfactorily confirm the adequacy of the criteria that an eligible entity must meet to obtain the Certificate. Therefore, the trust in the financial reliability of the Certificate of Financial Reliability holders by their business partners is entirely justified.

Check whether you meet the criteria for obtaining a Certificate of Financial Reliability