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Consultation

Self-declaration

Only a fraction of Austrian companies have credit insurance and are therefore unknowingly jeopardizing their existence. It is therefore becoming increasingly important for brokers to educate and sensitize their clients to this risk. ACREDIA protects your B2B target group who deliver on open invoice and steps in in the event of payment defaults.

What information should I provide?

For a current credit assessment of your company, please answer the following questions or send the following documents by e-mail to financials@acredia.at

  • complete annual report including notes and management report for the last financial year
  • a target/actual comparison on a monthly/quarterly P+L basis of the figures for the current financial year
  • the budget and an outlook/forecast for the current financial year
  • Bank schedule (amount of lines, term, free framework, utilization, collateral)
  • Liquidity planning for the current financial year

We also have the following additional questions:

War in Ukraine/Russia

  • What proportion of sales have you generated in the countries concerned in the past two financial years?
  • Do you have trade relations, a subsidiary, a sales office and/or a production company in Ukraine, Russia and Belarus?
  • Is there a need for depreciation or how much have you already written off?

Interest rates & inflation

  • To what extent are you affected by the rise in interest rates in corporate financing?
  • Have you hedged against rising interest rates?
  • What other measures have you taken?
  • Have you agreed price escalation clauses with customers/suppliers?

Energy prices & availability

  • How energy-intensive is your business?
  • What safeguards are in place for energy prices and energy supply volumes? Are there long-term contracts?
  • Can you switch to other energy sources?
  • Is there a possibility of self-supply?
  • Do you take advantage of government energy cost subsidies?

COVID-19

  • Have you taken advantage of government aid/support (COVID-19) for your company? If YES, please describe which ones?
  • If YES, have you already repaid or refinanced these loans? Are you in refinancing negotiations?
  • Do you still have deferrals (tax office, ÖGK, bank loans)? If YES, how much longer?

Confidentiality and data protection

ACREDIA treats all information that you provide to us confidentially. We process personal data exclusively in accordance with the GDPR and the DSG. Further information on the processing of personal data can be found at www.acredia.at/datenschutz.

Provide self-disclosure now!

FAQ

Who is ACREDIA and what does the company do?

ACREDIA is Austria’s leading credit insurance company, which protects companies against payment defaults and offers them security in their business. We combine many years of experience with the know-how of the global market leader Allianz Trade.

Our main objectives are to minimize our customers’ business risk and maximize their security. We rely on enthusiasm, openness, courage and cooperation to build long-term partnerships and develop innovative solutions.

ACREDIA offers its customers a wide range of benefits, including reliable protection against payment defaults, access to an extensive data pool, fast decision-making processes and individual customer support.

ACREDIA acts as a competence center for Southeast Europe within Allianz Trade and offers multinational companies individual and flexible solutions for global risk management.

Any further questions?

Feel free to contact us and we will help you to clarify your concerns!

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Our team is available from Monday to Thursday from 8.00 am to 5.00 pm and on Fridays from 8.00 am to 3.00 pm.

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