The index categorical score A, B, C or D for ExpressAnalysis is calculated for each company automatically based on the decision tree algorithm, shown in Fig.1.
The proposed algorithm for assigning categories to the ExpressAnalysis index is based on the results of a series of empirical studies on the signal ability of various YouControl Express Analysis factors. The latter may indicate the presence of problems for companies in terms of meeting regulatory requirements and/or maintaining the reputation and/or fulfilling debt obligations to banks, their own employees and other contractors, or, according to the most pessimistic scenario, the possibility of losing the ability to normal functioning and fully business activity.
For example, the "D" index is assigned to all companies with at least one of the stop factors, до яких віднесено “Відсутність статусу юридичної особи”,“Банкрут”, “В стані припинення”, "Компанія перезареєстрована в Криму", "Компанія під санкціями", "Засновник компанії під санкціями”.
"A" index is primarily assigned to companies where the condition of the ideal state is satisfied: when the number of calculated factors is more than 50% of all factors (that is, there are few factors in the company with "insufficient data" values) and at the same time the number of "yellow" and "red" factors equal to zero (that is, no Express Analysis factor indicated “require special attention” or “worth paying attention”).
For other cases that do not fall under the above scenarios, index values from "A" to "D" are assigned, depending on a combination of factors such as:
a) the presence of alerts on factors-strong predictors such as Express Analysis factors that in the course of empirical studies conducted by YouControl showed high signaling ability and were more characteristic of less trustworthy companies;
b) the presence of "red" alerts, that is, Express Analysis factors, the values of which indicate that they "require special attention";
c) the number of alerts that worked for the company in one of 4 possible scenarios. The more strong predictors and critical factors worked among the Express Analysis components, the lower the ExpressAnalysis index.
ExpressAnalysis is based solely on the factors of the contractor’s Express Analysis not involving financial indicators used to calculate FinScore or MarketScore. Thus, you can understand the essence of the company by comparing three independent scoring products:
• ExpressAnalysis (scoring index of Express Analysis factors)
• FinScore (scoring index of the company's financial stability)
• MarketScore (scoring index of the company's market power).
For non-profit organizations with no generally accepted financial indicators, it is theoretically possible to calculate only ExpressAnalysis. However, the ExpressAnalysis index is not calculated for legal entities with the number of factors impossible to find data for the alerts calculation exceeds 75% of the existing number of factors.
The set of factors for contractor’s analysis is based on the accumulated experience of YouControl and best practices of compliance assessments, including the companies compliance with the requirements and recommendations that are approved in the regulatory acts or mentioned in the letters of the Verkhovna Rada of Ukraine, the National Bank of Ukraine, the State fiscal service, State Service of Financial Monitoring of Ukraine, etc.
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