Simon G. · Credit Check · free
How do your customers really pay, and what does it cost you?
Load a list of customer invoices. For every business customer you get a transparent scorecard, a class, a trend and the yearly cost of late payment, each with the reasoning behind it.
Your file never leaves this computer. The calculation runs in this browser tab, and the page is built so that it cannot send data anywhere. Your IT department can verify this in the page source.
1 Customer invoices
An Excel or CSV file with one row per invoice: customer, invoice date, due date, payment date (leave empty if still unpaid), amount, and the amount paid if it was less than the full amount.
2 Your assumptions
Nothing is guessed silently. These values are used where your file does not say otherwise, and they are printed in the export.
Proposed from the latest date in your file; change it to test another point in time.
Results
From a one-off check to a controlled process
This page answers the question once. Simon G. runs the same scorecard every night from your own systems, puts a limit change in front of a named person for approval, keeps the record of who decided what, and ties it to what actually happened afterwards.
Write to us and we will show it on your own data. contact@groma.ro
What the calculation does
Most credit-scoring tools give you a number. This one shows the seven components behind it, and their published weights.
Punctuality falls with days beyond terms
The average number of days a customer pays after the due date costs 2.5 points each, up to the full hundred.
Completeness looks at value, not count
It is the share of paid invoice value that was paid in full — a large invoice paid short counts more than a small one.
Consistency rewards a steady pattern
The score falls with the spread of days beyond terms from one invoice to the next, not only with the average.
Trend compares two windows
The last six months of settled invoices are compared with the six-to-eighteen-months-ago window; each day of drift costs four points.
A clean record can be overridden
A payment incident in the last twelve months caps the class at C. An active insolvency flag sets it to D, whatever the score says.
Financing cost is a real number
Yearly purchases × mean days beyond terms ÷ 365 × your cost of capital. Shown in your currency, and as a share of the margin the customer generates.
One score, seven components, published weights
Punctuality 22%, completeness 18%, consistency 13%, trend 13%, clean record 14%, relationship length 8%, financing cost 12%. Class A from 86, B from 78, C from 66, D below.
What it does not do
- External credit registers (BPI, CIP or a credit bureau)
- Legal incidents, unless your file states them
- A statutory credit rating
- Private individuals — do not load a list of consumers; use business customers only
- A change to a credit limit — that stays a person’s decision
Simon G., the full platform, runs the same scorecard every night from your own systems and keeps the record of every limit decision. External incident registers are not connected there either.
Was something wrong or unclear?
Tell us what happened and we will look at it. Describe the problem in words and do not attach your data. contact@groma.ro
Questions
Where does my data go?
Nowhere. The file is read by your browser and the calculation runs on your computer. The page carries a security policy that forbids every outgoing connection, and it loads no analytics or third-party scripts.
What file do I need?
A list of invoices with customer, invoice date, due date, payment date and amount, as Excel (.xlsx) or CSV. Unpaid invoices are included with an empty payment date. A template is on this page.
How is the score computed?
Seven components — punctuality, completeness, consistency, trend, clean record, relationship length and financing cost — are combined with published weights into a score from 0 to 100 and a class from A to D. Every figure traces back to your invoices.
Does it decide who gets credit?
No. It shows the numbers and the reasoning behind them. A person decides whether to change a limit.
What does it cost?
The Credit Check is free. Simon G., the platform that runs the same calculation every night with approvals and an audit record, is a paid product installed on your own infrastructure.