Dunsguide

1. Go to Forgot Password?.
2. Click Reset password.
3. Input the email associated with your account.
4. Look for the email from CIAL Dun & Bradstreet and follow the link to reset your password.
5. Create and confirm your new password.
6. Click Save to finish.

1. Log in to Dunsguide.
2. Go to the Home section and then to the Your services section.
3. Click View details on the D-U-N-S Number® icon.
4. Click the Download button in the upper right corner

Your D-U-N-S® certificate will be downloaded to your device in PDF format.

Your D-U-N-S Registered seal is automatically updated each year when you renew your DUNS plan. On Dunsguide, this seal will be displayed on your company's profile with the most recent update date.

Steps to update your D-U-N-S Registered seal

• Automatic renewal: if your DUNS plan is active, your seal will be automatically updated with the annual renewal.
• Expired seal: if your DUNS Registered seal has expired, you'll need to contact your business advisor to manage the renewal. You can reach out through our support channels, where you'll receive personalized assistance for this process.

Correcting information on the D-U-N-S Registered seal

If you notice incorrect information on your D-U-N-S Registered seal, we recommend the following steps:

1. Verify the information: review the details in your Dunsguide profile to confirm which information is incorrect.
2. Reach out to our support team, providing specific details about the information you'd like to correct. Our team will guide you through the process to ensure the changes are properly reflected on your D-U-N-S Registered seal.

Your DUNS Registered seal helps to increase your company's credibility and visibility on an international level. It is a globally recognized certification that shows your business is verified by Dun & Bradstreet. This builds trust among clients, suppliers, and partners, facilitating new business opportunities, enhancing your market reputation, and distinguishing you from the competition.

Guide to leveraging your D-U-N-S Registered seal

• Enhance credibility: your D-U-N-S Registered seal verifies that your company is backed by Dun & Bradstreet, boosting the confidence of clients and partners.
• Increase visibility: the seal appears on your business profile within Dunsguide, accessible globally.
• Business opportunities: being registered makes it easier for other businesses to find you and consider you as a reliable partner for new ventures.
• Annual renewal: remember that your seal is updated annually with the renewal of your plan.

For more information, visit the official page.

To obtain a DUNS Registered seal, follow these steps:

1. Request a D-U-N-S Number: first, you need to obtain a D-U-N-S number, which is a unique identifier for your company. You can request it through the CIAL D&B website or through a local representative.
2. Company verification: once you have your D-U-N-S number, your company will undergo a verification process. CIAL Dun & Bradstreet will review the provided information to confirm its accuracy and the existence of your business.
3. Acquire a DUNS plan: with your D-U-N-S number verified, you can choose to acquire the DUNS Registered seal. This is done through CIAL Dun & Bradstreet’s services. The purchase of the seal may include different subscription levels or additional services, depending on your needs.
4. Receive and use your seal: once you have completed the process and acquired the seal, you will receive the digital material that you can use on your business profiles, websites, and other communications to highlight your DUNS Registered status.
5. Annual renewal: the D-U-N-S Registered seal requires annual renewal. Make sure to keep your information updated and renew your plan to maintain your seal’s status.

For more specific details, you can visit the CIAL Dun & Bradstreet website or contact our support team.

If you notice incorrect information on your D-U-N-S Registered seal, we recommend the following steps:

1. Review the details in your Dunsguide profile to confirm which information is incorrect.
2. Reach out to our support team, providing specific details about the information you'd like to correct. Our team will guide you through the process to ensure the changes are properly reflected on your DUNS Registered seal.

Step 1: Identify the evaluation email

You should have received an email from no-reply@riskanalytics.dnb.com. Please check your inbox for this email and click on the provided link to register.

Step 2: Access Risk Analytics

Register by creating a user name and password. This will allow you to access the platform to begin and complete your evaluation.

Step 3: Submit your evaluation

‍Once you have finished filling out your evaluation, submit it through the platform. Our team will review the information provided and will contact you if any corrections are needed.

Once your sustainability self-assessment has been submitted:

1. Review by our experts: our team will analyze your assessment to ensure it is complete and ready for submission.
2. Corrections: if any errors are found, you will receive clear instructions on how to make the necessary adjustments.

If you have any questions, don’t hesitate to contact us.

After receiving the confirmation email for the delivery of all services included in your DUNS Silver or Gold plan, within a maximum of 15 days, one of our specialists will contact you to guide you through starting your sustainability self-assessment process.

If you have any questions, feel free to reach out to our support team.

Once the link to start your self-assessment has been sent, you will have a maximum of 45 calendar days to complete all the questions in the questionnaire.

What happens after this time?
‍The link will expire, and you will need to contact our specialists to request a new one.

If you have any questions, feel free to contact us.

If your self-assessment is pending, you will receive email reminders during the first 45 days at the email address assigned as the contact for the sustainability assessment.

If your self-assessment has expired, you will receive a monthly email with the steps to follow in order to continue the process.

Additionally, you can check the status of your self-assessment at any time by logging in to your Dunsguide account.

Click here to learn about the methodology behind the ESG sustainability assessment process.

This guide will help you navigate the Dunsguide directory effectively, allowing you to find and analyze companies in Latin America quickly and easily.

1. Access Dunsguide: start by visiting the Dunsguide website.
2. Use the search bar: on the main page, you’ll find a search bar. Here, you can enter the name of the company you’re looking for, or any other keyword.
3. Refine your search: if you need to specify your search, use the available filters to narrow down the results. You can filter by location or type of industry, among other criteria.
4. Explore the results: after submitting your search, a list of companies that match your criteria will be displayed. Each entry in the list will provide basic information about each company, such as the name, location, and a brief summary.
5. Access company profiles: for more details about a specific company, click on the company name in the search results. This will take you to a profile page where you can find more detailed information, such as the D-U-N-S Number, contact information, financial data, and more.
6. Use additional features: within the company profile, you can use various features such as marking the company as a favorite, sending a review, or contacting the company directly through Dunsguide.
7. Save or share your search: if you wish to consult the same search in the future, you can save the search criteria in your Dunsguide account.
8. View your saved companies: click on your user profile and check the saved companies in Your Favorites section.

On Dunsguide, you can find companies that have a D-U-N-S Number within the CIAL Dun & Bradstreet database in Latin America. Companies with updated information will be listed first in the business directory.

From the start date of your contract, you will have 6 months to update the information contained in your BIR commercial report.

If you do not update the information within that period, please contact your sales advisor for support in updating the report through an early renewal.

Keeping your data up to date is essential to accurately reflect your financial situation and facilitate credit or business partnership decisions.

Other companies can use your BIR report to assess your financial stability, payment behavior, and to make credit risk or business partnership decisions.

Companies use the Business Information Report (BIR) to gain a comprehensive view of the financial risk and stability of their business partners or potential clients. By reviewing the report, they can evaluate a company’s solvency, its payment history (through indicators like PAYDEX), its ability to meet financial commitments, and its corporate structure.

This analysis helps minimize the risk of non-payment and allows for more informed decisions regarding credits, contracts, and strategic alliances. Additionally, it helps them identify business opportunities or early warning signs.

The estimated time to receive the Business Information Report (BIR), after confirming the payment of any DUNS plan and once the user has completed the required information, is approximately 7 business days.

This timeframe may vary depending on the complexity of the request and the availability of the data needed to generate the report. It is crucial that the information provided is accurate and complete to avoid any further delays in processing the report.

Data collection

The BIR gathers information from sources such as public records, financial data, payment behavior, and credit providers.

Purpose

This data creates a complete financial profile of your company, including its stability and creditworthiness.

Use by other companies

Users of our CIAL360 platform can request a BIR report and use this profile to assess credit risks, determine payment terms, identify partnership opportunities, and establish contractual conditions. If your company is being evaluated, your authorization will be required to proceed.

Data protection

Your information is protected under applicable privacy policies and regulations, ensuring proper and secure usage.

Each of these indicators provides a specific view of a company’s financial health, stability, and behavior, helping to make informed decisions about credit risk and business partnerships.

PAYDEX®

Measures a company’s payment behavior on a scale of 1 to 100. A higher score indicates timely or early payments.

D&B Rating

A general indicator of the company’s creditworthiness based on financial stability and business size.

D&B Failure Score

Assesses the likelihood of a company going bankrupt within the next 12 months.

Global Risk Indicator (DUNSRight™)

Shows the level of risk associated with doing business with a company globally.

Credit Limit Recommendation

Credit limit recommendation based on the company’s financial capacity.

Supplier Qualifier Rating (SQR) Rating

An indicator that assesses the overall risk of the supplier. SQR Rating is a quantitative scorecard calculated with 12 key areas related to the data described in the requirements.

NOTE: some of these indicators may vary or not be available depending on the country where the company is evaluated, due to differences in local legislation, data availability, and financial reporting practices.

You can find all the details about the collection and use of data by CIAL Dun & Bradstreet about your SAT key, e.firma and RFC here.

• SAT Key Terms of Use
• Privacy Notice
• General Terms and Conditions

The Growth and Results section provides users with an overview of a company's growth and performance over time. This includes metrics such as sales growth, market expansion and other relevant indicators.

1. Sales and expenses

• Total revenue: shows the total amount of money generated by sales of goods or services.
• Operating expenses: includes all costs associated with expense invoices.

2. Cash flow

Incoming and outgoing sales and expenses taking into account paid and collected invoices reported to SAT.

3. Annual sales

• Year-over-year sales growth: percentage showing how much sales have increased or decreased compared to the previous year.
• Annual growth rate: average annual growth rate of sales over a period.

4. Concentration of major customers

• Percentage of revenue from major customers: indicates how dependent the company is on its main customers.
• Year-to-year change in customer concentration: analyzes how dependence on major customers varies over time.

The “financial health” of a company refers to its overall ability to maintain and improve its long-term economic position. Assessing financial health involves analyzing key performance indicators (KPIs) that provide insights into different aspects of business performance:

• Profitability: indicates how effectively a company converts its revenue into profits. KPIs such as net profit margin and return on invested capital are crucial here.
• Liquidity: shows the company's ability to cover its short-term obligations using liquid assets. Indicators such as the current liquidity ratio and the acid test ratio are critical in assessing this.
  
• Leverage: evaluates the use of debt to finance the company's operations and its ability to cover the costs of this debt. Ratios such as the debt-to-equity ratio and the interest coverage ratio help to understand the company's dependence on external financing.
• Efficiency: analyzes how the company manages its resources to maximize production or sales. KPIs such as inventory turns and asset turnover are indicative of operational efficiency.

The compliance and reputation section provides users with essential tools and indicators to assess a company's regulatory compliance status and overall reputation. Understanding these aspects is crucial to making informed decisions regarding potential business engagements. Indicators include:

• SAT Blacklist: determines whether a company is blacklisted by the tax authority, which may indicate tax compliance issues or involvement in fraudulent activities. This includes historical data showing changes in the company's status over time.
• OFAC Blacklist: checks whether the company is listed by the Office of Foreign Assets Control, suggesting U.S. government sanctions possibly related to terrorism or narcotics trafficking. Details of these sanctions provide information on their nature and duration.
• Canceled Invoices: analyzes the number and percentage of canceled invoices compared to total billings, providing insights into the company's financial management practices. A temporal analysis of invoice cancellations can reveal trends and changes in financial stability and administrative organization.
  

By leveraging data from regulatory bodies such as SAT and international entities such as OFAC, along with internal financial data such as invoice records, this hub enables a comprehensive understanding of a company's compliance and ethical position in the marketplace. These insights help users navigate risks and reinforce sound business practices with trusted partners.

What does profitability refer to?
Profitability evaluates the capacity of a business to generate income in relation to its expenses and investments.

Why is it important?
This metric is essential to understand the operational and financial efficiency of your business, and whether current operations are generating an adequate return on investment.

Desired range or level
A business should aim to have a positive and growing profitability margin.

Key indicators

Profit margin

• What does it refer to?
  Ratio of net profit to sales. It indicates what percentage of sales translates into profit.
• Why is it important?
  Helps to understand the company's ability to retain profits after all expenses.
• Desired range or level
  A higher margin is preferable as it indicates higher profitability.
• Formula
  ‍Net income / Total sales

Operating margin

• What does it refer to?
  Operating profit divided by sales. Reflects efficiency in core operations.
• Why is it important?
  Indicates how much is left after deducting operating expenses.
• Desired range or level
  As with profit margin, a higher operating margin is better.
• Formula
  Operating income / Total sales

Return on equity (ROE)

• What does it refer to?
  It measures the company's ability to generate a return on the capital invested in the business. In other words, what profit the company generates on the net assets of the business.
• Why is it important?
  A positive number indicates that the company is increasing its capital, while a negative number reflects a decrease in capital.
• Desired range or level
  Higher ROE indicates a better return on investment. What is considered a “good” ROE will vary by industry and company size. The important thing is to compare with other companies of similar size in the industry. Generally speaking, look for an increase over time.
• Formula
  Net profit / Shareholders' equity

Actions to improve

• Optimize costs by regularly reviewing suppliers and renegotiating contracts.
• Improve operating efficiencies to reduce waste and increase productivity.
• Increase sales through marketing campaigns and product or service expansion.

What does efficiency refer to?
Efficiency indicates how a company manages and uses its resources to generate sales and profits.
‍
Why is it important?
It determines how well a company can convert its resources into profits.
‍
Desired range or level
Metrics such as asset turnover should be high, while days receivable and payable should be maintained at industry standards.

Key indicators

Asset turnover

• What does it refer to?
  Sales divided by total assets. It shows the efficiency in the use of assets to generate sales.
• Why is it important?
  Indicates how effectively the company is using its assets to generate revenue.
• Desired range or level
  Higher turnover is preferable, indicating higher efficiency.
• Formula
  Total sales / Total assets

Days receivable (DSO)

• What does it refer to?
  Average Days Receivable. Measures the average number of days between a sale and the collection of payment for that sale. It is often calculated on a monthly or annual basis.
• Why is it important?
  The lower the DSO, the faster a company receives cash for the sale of its products or services. While industry specific, a high DSO can indicate a problem in collecting payments and create cash flow problems as it takes a long time for cash from the sale to be received.
• Desired range or level
  The important element of DSO evaluation is the trend over time. An increase in DSO means that customers are taking longer to pay. This can be due to numerous reasons, including: the sales team offering longer terms, your customers having cash flow constraints and delaying payments, or the shift in customer mix towards credit sales. Seasonality may also play a role, with longer terms potentially provided at certain times of the year.
• Formula
  Accounts receivable / Annual sales * 365

Days payable

• What does it refer to?
  Accounts payable divided by daily purchases. Indicates how long it takes, on average, to pay suppliers.
• Why is it important?
  Reveals the efficiency of payment management.
• Desired range or level
  A higher days period can be beneficial for cash flow management, but could damage supplier relationships if it is too long.
• Formula
  Accounts payable / Daily purchases

Actions to improve

• Optimize the supply chain in inventory management.
• Analyze and continuously improve internal processes.

NOTE: within the CIAL Pulso platform we compare these indicators against the ranges of the industry that your company is a part of.

What does leverage refer to?
Leverage evaluates how a company uses debt relative to equity. It measures how much of the company's operations are financed with debt or equity.
‍
Why is it important?
The debt-to-capital ratio is an important tool used to access the health of a company. It shows how the company's assets have been financed.
‍
Desired range or level
What is considered a ”good” debt-to-capital ratio will vary by industry and company size. Therefore, it is important to compare with other companies of similar size in the industry. However, the lower the number, the lower the risk of default as there is more equity.

Key indicators

Debt-to-capital ratio

• What does it refer to?
  Total debt divided by equity. It indicates the proportion of debt financing versus capital financing.
• Why is it important?
  Debt-to-capital ratio is an important measure to identify how much a company relies on debt to finance its day-to-day activities and to estimate the level of risk for a company's stakeholders. It also measures a company's solvency to meet its obligations in the form of interest expense and other payments.
• Desired range or level
  If the debt-to-capital ratio is greater than 1, the company has more debt than capital. This is a high-risk company. If more liabilities are acquired without an increase in earnings, the company will not have enough capital to meet obligations. As with the leverage ratio, it is important to consider the size of the company and the industry.
• Formula
  Total Debt / Capital

Debt-to-operating income

• What does it refer to?
  Ratio of total debt to operating income. It shows the capacity to generate income to cover debt.
• Why is it important?
  Helps determine if the company is generating enough revenue to manage its debt.
• Desired range or level
  A lower ratio indicates that the company has better operating performance relative to its debt.
• Formula
  Total debt / Operating income

Actions to improve

• Reduce existing debt through efficient cash flow management.
• Refinance debt at lower interest rates or with better terms.
• Convert non-core assets to cash and use them to reduce debt.

What does liquidity refer to?
Liquidity measures the ability of a business to meet its short-term financial obligations.
‍
Why is it important?
It ensures that the company can meet debts and obligations without selling assets or seeking emergency financing.
‍
Desired range or level
The liquidity ratio should be greater than 1.

Key indicators

Liquidity ratio

• What does it refer to?
  The liquidity ratio measures a company's ability to pay its short-term debts with current assets. It is a comparison between current assets (such as cash, accounts receivable, inventories) and current liabilities (short-term debts).
• Why is it important?
  It is crucial in assessing the short-term solvency of a company. If the ratio is too low, the company may have problems paying its short-term obligations. If it is too high, it could indicate that the company is not using its assets efficiently.
• Desired range or level
  Generally, a ratio of 1:1 or higher is considered healthy, as it indicates that there is at least one current asset for every current liability. However, the optimal range may vary by industry and business model.
• Formula
  Current assets / Current liabilities

Debt ratio

• What does it refer to?
  The debt ratio indicates what proportion of a company's total assets is financed with debt. It is a measure of the company's degree of financial leverage.
• Why is it important?
  It helps to understand how a company is structured financially. A high debt ratio can indicate higher financial risk if the company does not generate enough revenue to cover its debt obligations. On the other hand, leverage can maximize return on investment if used properly.
• Desired range or level
  The optimal range varies depending on the industry and the company's stage of growth. However, a ratio that is too high can be a red flag for investors and creditors. It is essential to compare the debt ratio with similar companies within the same industry to determine if it is within an acceptable range.
• Formula
  Total debt / Total assets

Actions to improve

• Reduce the term of credit granted to customers.
• Manage inventory efficiently, avoid overstocking.
• Renegotiate terms with suppliers to extend payment terms.
• Seek alternative sources of short-term financing.

The information in CIAL Pulso is updated regularly, although the update period varies depending on the section you are consulting.

• Financial health section: most of the indicators in this section are updated annually, based on your most recently filed annual statement. This information reflects your company's financial stability and solvency over time.
• Growth and results section: the indicators in this section are updated approximately every 30 days, generally during the first 5 days of each month. These updates are based on the previous month's turnover, allowing you to have a recent and accurate view of your company's performance.

Please note that the update rate may vary slightly depending on data availability and processing, but CIAL Pulso strives to keep the information as current and accurate as possible to support you in making business decisions.

Pulso Advisor is a tool within CIAL Pulso that integrates SAT information with Artificial Intelligence to add an additional degree of analysis of your company's financial health.

You will be able to ask questions such as:

• What is my current financial health score?
• Give me a quick analysis of my finances this year.
• What can I do to improve my financial health?
• Can you give me a breakdown of my profitability?

Pulso Advisor will be able to analyze your information extracted through the Tax Administration System (SAT) in Mexico.

In order to activate Pulso Advisor, you must first activate CIAL Pulso by sharing your SAT password (formerly CIEC).

NOTE: this product is only available in Mexico.