The Business Profile’s executive summary gives you a quick overview of a business’s credit behavior, so you can determine whether or not you need to see additional details. The Days Beyond Terms (DBT) and predicted DBT express Experian’s estimation of a company’s potential risk in a single number.

Company information
Contains company’s location, phone number, primary business category, Experian file number and file-established date. Date of incorporation and tax ID number are provided, when available.

Current Days Beyond Terms (DBT) industry comparison
Provides key measurements of payment performance compared with other U.S. businesses, including:

• Days Beyond Terms: a dollar-weighted average number of days beyond the contractual due date that a business pays its bills based on tradelines that have been updated in the previous three months
• The trade balance associated with the existing tradelines that have been updated in the previous three months
• DBT norms — compares the company’s average DBT against the average DBT of all industries and other businesses within the same industry

Quarterly DBT trends  
The business’s average DBT performance for the previous five quarters.

Monthly DBT trends
The business’s average DBT performance for the previous seven months.

Legal filings and collections
Summarizes public record and other derogatory information, including original bankruptcies, tax liens, judgment filings and reported collection accounts. Hyperlinks within the Executive Summary allow you to quickly navigate to additional details in the body of the report.

Trade information summary
Provides a snapshot of important trade balances and payment performance metrics, including:

• Key DBT calculations – monthly average DBT, highest DBT previous six months and previous five quarters
• Total continuous trades – number of existing trades that have been updated in the previous three months
• Largest amount of credit extended in the previous six months
• Lowest to highest range of total balance owed over the previous six months

Performance analysis
A forecast of the expected Days Beyond Terms for 60 days into the future, payment trending, how much slower the business pays its bills than similar companies and the most common purchasing terms associated with the business’s industry.