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Sample Business Credit Report 		 
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COMMERCIAL INFORMATION SOLUTIONS
BUSINESS CREDIT REPORT - COMPLETE VIEW
 
Business information
Company name ABC 123 INC
Legal name
Address 1551 MAIN BLVD
WINNIPEG MANITOBA CANADA
R3R0G9
Phone (204) 888-8359
Fax (204) 783-9449
Requestor ID TST
Reference number STS TEST
Report date 2011-05-24
File in database since 1980-12-31
File-number 0001004121
Subject number DD4291
Additional business information and firmographics
Other known tradestyles
  1275084 MANITOBA LTD      
  Reported   Employee size   Reported   Sales volume  
2010-08-01 10-19 EMPLOYEES 2010-08-01 $0.5M - $1.0M
SIC NAICS
  5812-Retail-Eating Places   722110-Full-Service Restaurants  
Report Highlights and Alerts
    Non Financial
Number of Accounts Reporting   14
Number of Accounts Past Due   4
Past Due Amount   $4,000
Most Severe Status   VERY HIGH
Date   2013-11-25
Single Highest Credit
90 Day Single Highest Credit   $45
13 Month Single Highest Credit   $54
All Lines Single Highest Credit   $454
Credit Limit
90 Day Credit Limit   $3,000
13 Month Credit Limit   $4,000
All Lines Credit Limit   $5,000
Charge Offs
Number of accounts charged off   3
Total amount charged off   $10,000
Largest charge off amount   $5,000
Date   2013-11-25
Total Current Credit Exposure   $5,000
Total Outstanding   $7,000
Total Current Balance   $55,000
Total Past Due   $4,000
 
    Alerts
# of Collections   0
Total Amount   $25,400
Most recent date   2009-12-25
# of Legal items   0
Total Amount   $7,654
Most recent date   2002-08-25
# of Judgments   0
Total Amount   $9,800
Most recent date   2005-02-15
# of Returned cheques   0
Total Amount   $2,390
Most recent date   2007-05-01
# of Liens   0
Total Amount   $6,780
Most recent date   1999-12-25
Bank report on file   2010-12-25
Corporate search on file   2010-12-25
# of inquiries on file   15
Score summary
CI Graph
CDS Risk Class Graph
PI Graph
BFRS Risk Class Graph
Score details
CI current value: 32
Financial trades and long term secured debt are NOT included in the Credit Information index.
The Credit Information index for this business was determined based on the following*:
Score
Active in Equifax credit database for 31 years 0
Current Payment Index is 0 0
Number of Supplier references on file is 0 10
On 2011-05-24 the Payment Index was 0 points higher than 2010-05-24 0
Number of derogatory items on file in the past 2 years is 8 8
The most recent derogatory item was recorded 6 months ago 4
Derogatory item amounts as a % of dollars owed suppliers is 100 10
Credit Information Index History
PI current value: NA
Financial trades and long term secured debt are NOT included in the Payment Index calculations.
The following Payment Index percentages can be used as benchmarks for comparison purposes:
Payment index % of database
All suppliers reported being paid within terms 0 62
Average to pay is slightly beyond terms 1-10 11
Average pay is 10 to 20 days beyond terms 11-20 8
Average pay is 20 to 30 days beyond terms 21-30 5
Average pay is 30 to 40 days beyond terms 31-40 6
Only 1% of businesses fall into this range 41-90 5
All suppliers reported being paid in the third period past due or not at all 91-100 3
No suppliers reported in this time period NA NA
Payment Index History
CDS risk class 3
3 CDS Score between 376 and 451. Risk of delinquency is average.
BFRS risk class 1
1 BFRS Score higher than or equal to 1344. Very low risk of failure.
Quarterly Index Value and Payment History
Trend amount
Year/ quarter Payment index Credit
index 		Number of references Total amount Current amount Period 1 Period 2 Period 3
  2010/4   0   38   1   $334   $334   $0   $0   $0  
  2010/3   NA   23   0   $0   $0   $0   $0   $0  
  2010/2   NA   28   0   $0   $0   $0   $0   $0  
  2010/1   0   28   1   $517   $517   $0   $0   $0  
  2009/4   NA   29   0   $0   $0   $0   $0   $0  
  2009/3   NA   32   0   $0   $0   $0   $0   $0  
  2009/2   NA   35   0   $0   $0   $0   $0   $0  
  2009/1   0   33   1   $2,072   $2,072   $0   $0   $0  
  2008/4   0   28   1   $5,419   $5,419   $0   $0   $0  
 
Industry trade summary
PI score Number of credit references High credit Total owing Current Period 1 Period 2 Period 3
90 Day   NA   0   $0   $0   $0   $0   $0   $0
13 Month   0   1   $354   $354   $354   $0   $0   $0
All References   0   1   $354   $354   $354   $0   $0   $0
Industry trade detail
In some situations, payments beyond terms can be a result of misplaced invoices or disputed accounts. Equifax reports trade items as they are received and as such they represent an historical experience. An outstanding amount on this report is not necessarily still outstanding today.

# indicates long term secured debt, which is NOT included in the Payment Index and Credit Information Score calculation.
Date Reported
SIC 20800000-Mfr-Beverage
2011-01-06
Supplier BEVERAGE GROUP
Terms Lease/Quarterly
Pay habits Slow 2
Status Internal Collection
Total past due $0
Balance amount
  Original credit limit/date   High credit/ date   Total balance   Current balance   Period 1   Period 2   Period 3  
  $0 $354 $354 $354 $0 $0 $0
Banking report detail
  Reported
2010-11-15		   Name   SOME BANK CANADA CALGARY, 10TH AVE
Branch:023 Transit:14896		   Last change date   2010-11-16  
Address   234-10TH AVENUE
CALGARY, ALBERTA, T2P3B6
CANADA		 Reference phone   (403) 285-1515
Phone             Reference fax   (403) 666-1212
Fax             Signing officer/special comment    
  Open date
For 1 to 3 years		   Number of accounts     Account type   Deposit account
  
Balance   Number of returned cheques   Frequency   Reason
Not authorized to disclose   Not available   In the last 3 months    
 
Open date
Not available		 Number of credit lines Credit line type Line of credit
Secured by   Rating   Authorized amount   Utilization
Not available
 Paid as agreen Low 8 figures High 7 figures
 
Open date
Not available		 Number of loans
Loan type Rating Terms Secure by Authorized amount Balance owing
Term loan
 Paid as agreed Not available, Not available
 High 7 figures   High 7 figures
 
  Reported
2010-01-18		   Name   SOME BANK CANADA CALGARY MAIN
Branch:023 Transit:11090		   Last change date   2010-01-20  
Address   1480 8TH STREET
CALGARY, ALBERTA, T2P3R5
CANADA		 Reference phone   (403) 875-1046
Phone             Reference fax   (403) 262-2569
Fax             Signing officer/special comment    
  Open date
Less than 1 year		   Number of accounts     Account type   Deposit account
  
Balance   Number of returned cheques   Frequency   Reason
Fluctuates with line of credit   None        
 
Open date
Not available		 Number of credit lines Credit line type Line of credit
Secured by   Rating   Authorized amount   Utilization
Not available
 Paid as agreen Low 8 figures Low 8 figures
 
Open date
Not available		 Number of loans
Loan type Rating Terms Secure by Authorized amount Balance owing
Term loan
 Paid as agreed Not available, Not available
 Low 8 figures   High 7 figures
 
  Reported
2008-10-29		   Name   ANOTHER BANK CANADA
Branch:444 Transit:11506		   Last change date   2008-11-04  
Address   1350 1ST STREET
CALGARY, ALBERTA, T2P1E3
CANADA		 Reference phone   (403) 262-1358
Phone             Reference fax   (403) 363-9876
Fax             Signing officer/special comment    
  Open date
For more than 3 years		   Number of accounts     Account type   Deposit account
  
Balance   Number of returned cheques   Frequency   Reason
Not authorized to disclose   None   In the last 3 months    
 
  Open date
For more than 3 years		   Number of accounts     Account type   Deposit account
  
Balance   Number of returned cheques   Frequency   Reason
Not authorized to disclose   None   In the last 3 months    
 
Open date
Not available		 Number of credit lines Credit line type Line of credit
Secured by   Rating   Authorized amount   Utilization
Not available
 Paid as agreen High 8 figures Medium 8 figures
 
Open date
Not available		 Number of credit lines Credit line type Line of credit
Secured by   Rating   Authorized amount   Utilization
Not available
 Paid as agreen Low 8 figures Low 6 figures
 
Open date
Not available		 Number of loans
Loan type Rating Terms Secure by Authorized amount Balance owing
Term loan
 Paid as agreed Not available
 Low 8 figures   Low 8 figures
 
** ** Bank Information Updates are available at a reasonable cost – Tel. 1-877-254-3263
Returned cheque details
The data presented here represents returned cheque information as reported by the creditor. If you are interested in submitting your returned cheque data, you may do so by contacting 1-877-227-8800 or 416-227-8800.
Bank date Cheque amount Bank Creditor name Reason Status Comment
  2010-11-20   $334   TD CANADA TRUST   BEVERAGE GROUP   NSF   Not Replaced      
  2010-09-30   $1,000   TD CANADA TRUST       NSF   Replaced      
  2010-10-05   $1,300   TD CANADA TRUST       NSF   Replaced      
  2010-02-08   $497   TD CANADA TRUST   BEVERAGE GROUP   NSF   Not Replaced      
  2008-09-08   $1,662   CANADIAN IMPERIAL BANK OF COMM   BEVERAGE GROUP   NSF   Not Replaced      
  2008-09-05   $350   CANADIAN IMPERIAL BANK OF COMM   BEVERAGE GROUP   NSF   Not Replaced      
  2008-08-08   $885   CANADIAN IMPERIAL BANK OF COMM   BEVERAGE GROUP   NSF   Not Replaced      
  2006-08-01   $85   CANADIAN IMPERIAL BANK OF COMM       NSF   Replaced      
Collection detail
The data presented here represents collection information as reported by the collection agency noted. In some situations, accounts are sometimes placed for collection even though the account is disputed.
Reported
2009-10-02
Claim placed
2009-07-23
Creditor CREDIT CIE 123
Debtor 1275084 MANITOBA LTD
Claim amount $595
Amount paid $0
Account balance $595
Collection agency AGENCY NAME CIE
Status update 2009-07-23
Date paid
Closed
Status Placed for Collectn  
Reported
2009-07-03
Claim placed
2009-06-26
Creditor CREDITOR AAA
Debtor ABC 123 INC
Claim amount $1,036
Amount paid $0
Account balance $1,036
Collection agency COLLECTION XYZ LTD
Status update 2009-12-15
Date paid
Closed 2010-04-09
Status Close out Letter Snt  
Reported
2009-03-25
Claim placed
2009-02-17
Creditor CREDITOR 999 LTD
Debtor ABC 123 INC
Claim amount $274
Amount paid $0
Account balance $274
Collection agency COLLECTION 641 LTD
Status update 2009-02-17
Date paid
Closed
Status Placed for Collectn  
Reported
2009-07-29
Claim placed
2008-11-12
Creditor CREDITOR 444 INC
Debtor ABC 123 INC
Claim amount $652
Amount paid $647
Account balance $5
Collection agency AGENCY NAME CIE
Status update 2008-11-12
Date paid 2008-11-12
Closed
Status Claim Collected  
Reported
2006-10-17
Claim placed
2006-09-06
Creditor CREDITOR XYZ
Debtor ABC 123 INC
Claim amount $3,995
Amount paid $3,995
Account balance $0
Collection agency COLLECTION ATOZ
Status update 2006-09-06
Date paid 2007-01-04
Closed
Status Claim Collected  
Legal details
Legal Information - suits
Reported
2010-09-23
Claim date/number
2010-08-31
SC111111168
Statement of Claim
Defendant 1275084 MANITOBA LTD.
Plaintiff PLAINTIF ABC
Amount $3,500
Court Queen's Bench
Winnipeg
MANITOBA
Security
Reason
     
Reported
2009-10-09
Claim date/number
2009-09-22
SC222222201
Statement of Claim
Defendant 1275084 MANITOBA LTD
Plaintiff PLAINTIF XYZ
Amount $868
Court Queen's Bench
St. Boniface
MANITOBA
Security
Reason
     
Reported
2006-10-26
Claim date/number
2006-10-12
SC333333397
Statement of Claim
Defendant ABC 123 INC
Plaintiff PLAINTIF 123
Amount $5,272
Court Queen's Bench
Winnipeg
MANITOBA
Security
Reason Claims
     
Reported
2006-10-26
Claim date/number
2006-10-12
SC333333397
Statement of Claim
Defendant 1275084 MANITOBA LTD
Plaintiff PLAINTIF 123
Amount $5,272
Court Queen's Bench
Winnipeg
MANITOBA
Security
Reason Claims
     
Legal Information - judgments
Reported
2007-01-04
Claim date/number
2006-12-11
SC333333397
Judgment
Defendant ABC 123 INC
Plaintiff PLAINTIF 123
Amount $3,995
Court Queen's Bench
Winnipeg
MANITOBA
Security
Reason Claims
     
Reported
2007-01-04
Claim date/number
2006-12-11
SC333333397
Judgment
Defendant 1275084 MANITOBA LTD
Plaintiff PLAINTIF 123
Amount $3,995
Court Queen's Bench
Winnipeg
MANITOBA
Security
Reason Claims
     
Other legal information
Reported
2009-10-29
Claim date/number
2009-10-14
SC222222201
Legal Action Dismissed
Defendant 1275084 MANITOBA LTD
Plaintiff PLAINTIF XYZ
Amount $0
Court Queen's Bench
St. Boniface
MANITOBA
Security
Reason
     
Reported
2007-01-22
Claim date/number
2007-01-04
SC333333397
Notice of Discontinuance
Defendant ABC 123 INC
Plaintiff PLAINTIF 123
Amount $0
Court Queen's Bench
Winnipeg
MANITOBA
Security
Reason
     
Reported
2007-01-22
Claim date/number
2007-01-04
SC333333397
Notice of Discontinuance
Defendant 1275084 MANITOBA LTD
Plaintiff PLAINTIF 123
Amount $0
Court Queen's Bench
Winnipeg
MANITOBA
Security
Reason
     
Information from the Superintendent of Bankruptcy
Reported
2011-01-28
Estate
51		   ESTATE CIE INC
1775 ROAD STREET
VANCOUVER BRITISH COLUMBIA
V6C3A6 		  Discharge date
Regional office 11
Vancouver
Creditor meeting date   2011-01-28
Court information
File number/ date
S-196492/ 2011-01-28		     Division number
District code 10
Hearing date Dividends
Discharge type Asset value
Estate type   Taken up and Continued under CCAA 11.6(as) Liability value    
Receiver
    N/A   Regional office
Individual license
Corporate license    
Trustee
  TRUSTEE CIE XYZ
1075 YOUNG STREET, SUITE 20
VANCOUVER BRITISH COLUMBIA
V6C3A6 (604) 839-5447		 Discharge date
 
Other files included
Equifax has received information that the following names and addresses are related to this business. These could be: Different spelling of the business name, former addresses or names, branch location whose invoices are paid from on central locations, PO Box addresses, etc. Regardless of which address you’ve chosen to pull this report for, the information is identical.
Company number Subject number Company name Address
  0099222077   LED105   OTHER FILE NAME 1   1568 37 STREET SUITE 56 CALGARY ALBERTA T2P0B4 CANADA  
  0098706704   QMI234   OTHER FILE NAME 2   1987 10 STREET SUITE 65 CALGARY ALBERTA T2P0B4 CANADA  
  0097629161   BIG298   OTHER FILE NAME 3   1987 10 STREET SUITE 65 CALGARY ALBERTA T2P0B4 CANADA  
Inquiries
An inquiry is registered when a report on this business is ordered by an Equifax Customer. Few or no inquiries may indicate that a business is not an active credit seeker. Numerous inquiries indicate that the business is an active credit seeker. However, you may want to consider the following in your review:

  • Does the number of inquiries seem appropriate for a business that size?
  • Is this business shopping around for better supplier arrangements?
  • Are they having problems paying their current suppliers and looking for credit from others unaware of their problems?
  • Are they expanding, moving locations or opening another office?
  • Are their current suppliers not meeting their current needs?


    • The most recent inquiries in the past 24 months are listed here:
    Inquiry date Requestor SIC Company name Phone
    2011-04-15   51480000-Wholesale-Fruit/Veg              
    2011-04-14   50120000-Wholesale-Autosms   LOCATION EQUIPEMENT BBB   905-646-1111
    2011-04-05   50720000-Wholesale-Hardware              
    2011-03-30   73000000-Business Services              
    Corporate search and additional business information
      Verified   Registration number/type   Jurisdiction location/type   Effective date  
    2009-05-08   3021115555
    Incorporation    		   Alberta
    Provincial Charter    		   2009-01-01
    		  
    COMPANY QQQ LTD
    ALBERTA CORPORATE REGISTRY REPORTED AS OF 2009/01/01.
    LEGAL ENTITY STATUS: ACTIVE.
    REGISTERED OFFICE AND RECORDS ADDRESS:
    37 10TH STREET, CALGARY,AB,T2P3N9.
    TRADE PARTNER NAMES:
    COMPANY WWW TN97348635
    NOTE: Only part of the Comments is displayed
      Reported   Registration number/type   Jurisdiction location/type   Effective date  
    2000-08-29     Incorporation   Not Available
    Not Available    		      
      Verified   Business contact   Title   Shares owned  
    2009-05-08   GONTRAN GENDRON   Director      
      Verified   Business contact   Title   Shares owned  
    2009-05-08   RAYMOND A.
    PROULX     		  Director      
      Verified   Business contact   Title   Shares owned  
    2009-05-08   BILL JAGGER   Director      
      Verified   Business contact   Title   Shares owned  
    2009-05-08   ROGER MOORES   Director      
    File comments
    Comments
    1996-11-21 CIE ABC LTEE.
    CHARTRE NOV/96: PROVINCIAL CHARTER
    IMMATRICULATION #1659874596 (MARCH 16/95)
    ADDRESS: 1350 BOUL. LABELLE, MONTREAL,QUE.
    ESTABLISHMENTS: 60 (UP TO DATE ANNUAL REPORT)
    1996-11-21 CIE ABC LTEE.
    11/96 BANK REPORTED ON BOOKS FOR OVER 3 YEARS, NO NSF
    SECURE LINE OF CREDIT 7 HIGH FIGS USED AT 70%
    TERM LOANS 6 MID FIGS, CURRENT ACCOUNT BALANCE FLUCTUATES
    WITH LINE OF CREDIT.
    1995-03-10 CK BK MARCH 1995. ACCT OPENED FOR OVER TWENTY YEARS, EXACT
    DATE NOT RELEASED.
    LINE OF CREDIT MED SEVEN FIGURE LIMIT, PRESENT UTILIZATION
    65%, AVERAGE UTILIZATION 40%, NO COMMENT ON FIGURES, GOOD
    FLUCTUATION, SECURED BY INVENTORY.
    NO TERM LOAN OR OTHER LOANS WITH THIS BANK, CURRENT ACCT
    PRES BAL MED FIVE FIGURES, AVRG BAL MED FIVE FIGS, NO SAV-
    INGS ACCT, NO NSF'S, LISE FROM THE BANK RATES THE ACCT VERY
    GOOD, NO COMMENT ON AMOUNT ACQUIRE. (RATING DONE BY JULIE BY
    MAIL, PH#514-493-1320 FX#514-222-3333)
     
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