At Naker Rating K.K., we provide corporate risk assessment models for both domestic and international companies by combining:
- qualitative insights developed through field experience in corporate credit investigations,
- over 20 years of expertise in international credit reporting, and
- advanced statistical logic made possible by modern AI technologies.
One of the biggest challenges in credit decision-making is articulating the information collected from credit reports or field personnel in a way that feels convincing and understandable.
We deliver the insights needed to interpret corporate information effectively.
Overview of Evaluation Models
Bankruptcy Probability
We offer a streamlined approach to estimating bankruptcy risk using the universal Z-Score model,
with financial figures automatically extracted through OCR technology.
Credit Limit Estimation
The NR Credit Limit model analyzes a company’s financial statements to estimate the maximum advisable amount of accounts receivable exposure.
It provides two types of limits:
- a total credit limit across all transactions, and
- a per-transaction limit.
NRating – Credit Score
NRating is a credit scoring model that incorporates both quantitative and qualitative factors.
In addition to financial indicators, it evaluates elements such as company location and ownership background, highlighting reputation risks that could impact the probability of default.
- Challenges in Business Succession: The Case of Akita-ya
Land of Premium Timber My home prefecture, Akita, is renowned nationwide as the birthplace of “Akita - Sake Industry Reform
In May 2025, the Japanese government announced a policy to partially lift the ban on issuing new lic - A Failure in Credit Management with Chinese Companies
The Pride of Echizen MerchantsFukui City, Fukui Prefecture. Back when I worked at a UK-based credit - Paper Companies – The Strange Mailbox
Beans, Pigeons, and a ShrineKameido, Koto Ward. Walk straight down the shopping street from the stat - I Believe in This! – The MLM Trap
Wait… What is this place? Sumida Ward, Tokyo.The company had been launched by purchasing a dor - Clashing with a Banker—Falsified Financials
A President with a Tohoku Accent Moto-Asakusa, Taito Ward.The first time I met President Tsukita (a - SME Management Vision: “My ISO”
The Cocky Young Investigator vs. The Stubborn Craftsman Mizumoto, Katsushika-ku. A train ride to Kan - Scary People – Facing Ties to Organized Crime
Preliminary Research “Senpai, I got assigned a new investigation on a company run by a guy wit - The Bankruptcy of a Trusted Company and a Sense of Helplessness
My First Peer CEO Not far from Akihabara, in the Iwamotocho area, was a newly founded company named - How to Read U.S. Business Credit Reports – Part 1
The Complaint Magnet I’ve spent over 20 years working in the field of international corporate credit - “Making Invisible Risks Visible”: Naker Rating K.K.’s China Investigation Services
As a specialist in Chinese corporate research, Naker Rating K.K. offers unique, in-depth services in - Why Cooperating with Credit Bureaus Is a Social Responsibility, Not a Risk
Recently, I came across a YouTube video by a tax accountant claiming: “If Teikoku Databank (TDB) con - Why Identifying U.S. Companies Is So Difficult: The Reality of No Unified Company Number
When conducting business or credit investigations with overseas companies, one of the first major hu