78trust / 100

Score Defaillance

by Sirenic in Company & people data

x402 APIPassing, checked 2 h ago

Credit risk scoring for a French company: a default-risk score (0-100) at ~12 months from a transparent scorecard — filed financial ratios (structure, profitability, liquidity, net cash, debt service, trend), company age, and a hard BODACC override (open insolvency/liquidation, or closure for insufficiency of assets). Returns the score, a qualitative band, every component with its threshold, and a confidence level. Decision-support indicator — NOT a solvency opinion or credit rating.

GET https://api.sirenic.eu/v1/score/defaillance/:siren

Last 30 days

All checks passedSome failedAll failedNot checked
Uptime
100%
Response time
39 ms typical, 128 ms slowest 5%
Last check
2 h ago
Next check
any minute now

How to call it

# See the payment challenge (nothing is charged)
curl -i -X GET "https://api.sirenic.eu/v1/score/defaillance/:siren"
import { wrapFetchWithPayment } from "@x402/fetch";
import { x402Client } from "@x402/core/client";
import { ExactEvmScheme } from "@x402/evm/exact/client";
import { privateKeyToAccount } from "viem/accounts";

const client = new x402Client().register(
  "eip155:8453",
  new ExactEvmScheme(privateKeyToAccount(process.env.AGENT_KEY)),
);
const pay = wrapFetchWithPayment(fetch, client);

// Not sure it's safe to pay? Preflight it first for $0.005:
// GET https://toolvet.app/api/v1/check?url=https%3A%2F%2Fapi.sirenic.eu%2Fv1%2Fscore%2Fdefaillance%2F%3Asiren
const res = await pay("https://api.sirenic.eu/v1/score/defaillance/:siren");
console.log(await res.json());

Example input

{}

Example output

{
  "avertissement_perimetre": "Comptes SOCIAUX seuls : la santé du GROUPE n'est pas mesurée ; sur une tête de groupe, dette et liquidité peuvent être structurelles. Confiance plafonnée à « moyenne ». / Standalone STATUTORY accounts: GROUP health is not measured; on a group parent, debt and liquidity may be structural. Confidence capped at medium.",
  "classe": "sain",
  "composantes": [
    {
      "axe": "liquidite",
      "indicateur": "ratio_liquidite_%",
      "points": 12,
      "seuil": "<80/<100",
      "valeur": 7.093
    },
    {
      "axe": "dette",
      "indicateur": "capacite_remboursement_annees",
      "points": 10,
      "seuil": "<0/>7/>4",
      "valeur": 19.515
    }
  ],
  "confiance": "moyenne",
  "data_freshness": "identité stock Sirene (2026-07-01) + ratios financiers + BODACC temps réel",
  "denomination": "DANONE",
  "exercice_reference": "2024-12-31",
  "risque_12m": "faible",
  "score_risque": 22,
  "signaux_bodacc": {
    "cloture_insuffisance_actif": false,
    "liquidation_judiciaire": false,
    "procedure_collective": false
  },
  "siren": "552032534",
  "version_modele": "defaillance-v1.9"
}

Security scan

  • No findings. We scan names, descriptions and tool definitions for hidden instructions and other prompt-injection patterns.

Recent checks

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2 h agoPassed40251 ms$0.1
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