Companies generally want to have real information on their customers and suppliers. The need becomes much more important in periods of crisis.

Kobiskor grades are the best way to summarize the situation of companies and to take a photo of their circumstances.

In a general sense, Kobiskor determines credibility of companies.  

Kobiskor is mostly used to measure and classify the risks that companies would take through their relations with customers, supply chains, agencies and dealers.  

Kobiskor, an IT and system infrastructure prepared by Kobirate A.Ş., is a mixture of comprehensive methodology, rich data base and experiences of rating specialists.

KOBİSKOR METHODOLOGY

Whether or not it is a production or service company, Kobiskor reaches its conclusion by making analyses in two main sections. These are;

1. Corporate Governance, Quality of Management and Shareholder Structure Analyses
2. Financial Risk Analysis

In order to ensure safety, company information is kept on our company’s servers we do not receive any external hosting services.
 

1. Corporate Governance, Quality of Management and Shareholder Structure Analyses,
   
   Quality of company’s management, as well as quality of shareholder structure and corporate governance  are important parts of Kobiskor. In order to determine them, question sets have been prepared under three headings. They include a total of 60 questions. Content of the questions is explained below. Whether or not these criteria are met is determined by rating specialists.
   
   21 criteria are used in the analysis of risk creating company’s management talents.
   7 criteria are used in the analysis of risk creating company’s Structural Risk Analysis.
   32 criteria are used in the analysis of risk creating company’s Operational Risk Analysis.

1. Financial Risk Analysis,
   
   Financial risk analysis consists of making correlations between the accounts in financial statements, as well as measuring and interpreting them. It is ensured that forecasts for the future are made by reviewing firm’s past and present performance.  
   
   20 ratios are used in financial risk analysis and they are explained below. Financial risk analyses of companies are produced automatically by defining companies’ balance sheets and income statements into Kobiskor system.
   
   Liquidity ratios are means of analysis for companies’ liquidity and they are used to analyze the relationship between their current assets and short term external resources. These ratios are also used to measure company’s ability to pay its short term liabilities and to determine whether or not its working capital is sufficient.
   
   Second group of ratios, used in financial risk analysis, includes financial structure ratios and they are used to measure company’s resource structure and its ability to pay long term liabilities. In other words, these ratios are referred in order to determine whether or not company’s equity is sufficient, to see the balance between liabilities and equity within the resource structure and to determine in what types of current and fixed assets the funds, created as equity, are used.  In short, these ratios show company’s ability to pay its long term liabilities.    
   
   Third group of ratios, used in financial risk analysis, includes operational ratios of the company. Operational ratios are used to measure how productively the company uses its assets.
   
   Last group of ratios, used in financial risk analysis, includes profitability ratios of the company. They measure whether or not the company produced sufficient profits as a result of its activities within the period that is examined.  

KOBİSKOR SYMBOLS AND DESCRIPTIONS

Mathematical scores are evaluated between 0 – 100 in Kobiskor methodology. Kobiskor symbols and their mathematical scores are listed below.