Payment index

Analyse how timely the company services its obligations, through advanced indicators and comparison with the industry.

It is not only whether the company pays — but when it pays.

Timely servicing of obligations is one of the most important indicators of a company’s financial discipline, liquidity, and stability. A company that regularly pays late often represents a higher risk for suppliers, partners, and financial institutions.

The “Payment index” module enables detailed analysis of the company’s payment discipline through advanced financial indicators, with a precise view of the average days to payment and a comparison with companies from the same industry.

Analyse the company through:

• average days to payment
• the company’s payment discipline
• analysis of how obligations are serviced
• comparison with the industry average
• liquidity and financial stability
• turnover and efficiency indicators
• analysis of liabilities and payments
• payment discipline trend
• textual conclusions on the indicators
• comparison with the competition
• financial risk analysis
• detailed calculated indicators

How timely does the company pay its obligations?

The “Payment index” module gives a precise view of how many days on average the company takes to service its obligations to suppliers and partners.

This indicator is an important signal of the company’s financial discipline and liquidity, since late payments often point to problems with cash flow, indebtedness, or financial pressure.

Comparison with the industry and the competition

Beyond the individual analysis, the module enables comparing the company with its industry average, helping you understand whether the company pays faster or slower than the market standard.

Users get context for the company’s real position within the industry — especially important when assessing risk and making decisions about cooperation or credit exposure.

Detailed indicators and automatic conclusions

The module includes precisely calculated financial indicators and automatic textual conclusions that make the indicators easier to interpret and analyse.

Instead of just numbers and formulas, users get structured comparisons, explanations, and analytical insight into the company’s financial behaviour and payment discipline.

A key module for risk assessment

The “Payment index” is one of the most important analytical modules for assessing business risk, since payment discipline directly affects the reliability of collection and the company’s financial stability.

The module is especially important for sales on deferred payment, client analysis, credit assessment, and tracking financial discipline.

Who is the module for?

The module is intended for companies, banks, financial institutions, sales teams, investors, and everyone who wants to analyse companies’ payment discipline and financial stability.

It is particularly useful for:

• sales on deferred payment
• analysing clients and suppliers
• credit analysis
• business risk assessment
• liquidity analysis
• tracking financial discipline

How a company pays reveals a lot about it

Payment discipline is often one of the most accurate indicators of a company’s real financial condition and stability. Analysing these indicators helps you make more confident, more precise business decisions.

Before you decide — analyse how the company pays.