This product may be used by financial institutions and companies. Thus - a rise of risk coefficient may indicates a risk increase in financing process, difficulties in debt recovery, a possible declining business. Considering detailed analysis regarding the impact factors it is possible to determine the segment that induces the risk. This risk may be located in the financing area, or it is associated to financial resources imbalances, or to the volatility aspects regarding foreign currency shocks. Thus a bank or a company may be informed on the possibility that such adverse evolutions may occur in the relations with partners / clients from a certain region. The system allows comparative evolutions between counties.  Separate analysis regarding : the risk associated to companies considering the financing factors, the risk associated to companies considering their capacity to generate financial reserves, comparative situations between counties are also available.