A company's default-risk score

This score stands out less for its value than for the fact that it returns its scorecard: every component with its threshold, and a confidence level. So you can challenge it line by line. And it is computed at call time, not served from a batch-recomputed warehouse.

See a real response (free) Get the quote for /v1/score/defaillance/{siren}

What the route returns

Catalogue description, exactly as agents read it:

Credit risk scoring for a French company: a default-risk score (0-100) at ~12 months from a transparent scorecard — filed financial ratios (structure, profitability, liquidity, net cash, debt service, trend), company age, and a hard BODACC override (open insolvency/liquidation, or closure for insufficiency of assets). Returns the score, a qualitative band, every component with its threshold, and a confidence level. Decision-support indicator — NOT a solvency opinion or credit rating.

Expected identifier

9-digit company number.

A wrongly formatted identifier returns 400 and is not billed — but it costs you a round trip. It is the leading cause of failed calls on the foreign routes.

Extract from a genuinely paid response

Dated snapshot from 2026-08-06, truncated to one item per array. It is not live data. The full extract is served free of charge from the samples surface, and the schema from the OpenAPI document.

{
 "siren": "552032534",
 "denomination": "DANONE",
 "score_risque": 22,
 "classe": "sain",
 "risque_12m": "faible",
 "composantes": [
  {
   "axe": "liquidite",
   "indicateur": "ratio_liquidite_%",
   "valeur": 7.093,
   "seuil": "<80/<100",
   "points": 12
  },
  {
   "axe": "dette",
   "indicateur": "capacite_remboursement_annees",
   "valeur": 19.515,
   "seuil": "<0/>7/>4",
   "points": 10
  }
 ],
 "exercice_reference": "2024-12-31",
 "confiance": "moyenne",
 "version_modele": "defaillance-v1.8",
 "avertissement_perimetre": "Comptes SOCIAUX seuls : la santé du GROUPE n'est pas mesurée ; sur une tête de groupe, dette et liquidité peuvent être structurelles. Confiance plafonnée à « moyenne ». / Standalone STATUTORY accounts: GROUP health is not measured; on a group parent, debt and liquidity may be structural. Confidence capped at medium.",
 "signaux_bodacc": {
  "procedure_collective": false,
  "liquidation_judiciaire": false,
  "cloture_insuffisance_actif": false
 },
 "data_freshness": "identité stock Sirene (2026-07-01) + ratios financiers + BODACC temps réel"
}

Price and billing

Price: $0.10. The authoritative amount is the one in the 402 quote returned by the route itself — not this text, which derives from the same grid but is still just a page.

An error response cancels the payment: a 400, 404 or 503 is never billed. An upstream outage closes the route with a 503 rather than serving a degraded response.

Calling the route

# 1. Le devis, sans rien payer : la route répond 402 avec son montant
curl -i https://api.sirenic.eu/v1/score/defaillance/552032534

# 2. L'appel réglé — le client x402 paie le devis et rejoue la requête
npx x402-fetch https://api.sirenic.eu/v1/score/defaillance/552032534

# 3. Ou en MCP, dans Claude Code / Cursor / un agent
claude mcp add --transport http sirenic https://api.sirenic.eu/mcp

What this route does not do

A decision-support indicator, neither a solvency opinion nor a credit rating in the regulatory sense. An entity with no filed accounts gets an explicit no-conclusion verdict, never a fabricated score.

Neighbouring routes

How you pay

Every route is paid per call, in USDC or EURC on the Base network, over the x402 protocol: no account to create, no API key, no subscription. The first call returns a 402 quote your client settles, then replays the call. A failed call is never billed.

Would you rather have a euro invoice and prepaid credits? That is in preparation, and we will not announce a date until it is open. Write to contact@sirenic.eu and we will let you know when it opens.

Paid responses are Ed25519-signed: you can later prove what was served to you, and when. The whole catalogue is free to read in the OpenAPI document and in llms.txt.

One call, end to end

# Client x402 (npm) — le devis 402 est réglé et l'appel rejoué automatiquement
npx x402-fetch https://api.sirenic.eu/v1/entreprise/552032534

# Ou en MCP, dans Claude Code / Cursor
claude mcp add --transport http sirenic https://api.sirenic.eu/mcp

Routes used and pricing

RoutePriceWhat it returns
/v1/score/defaillance/{siren} (free sample)$0.10Credit risk scoring for a French company: a default-risk score (0-100) at ~12 months from a transparent scorecard — filed financial ratios (structure, profitability, liquidity, net cash, debt service, trend), company age, and a hard BODACC override (open insolvency/liquidation, or closure for insufficiency of assets). Returns the score, a qualitative band, every component with its threshold, and a confidence level. Decision-support indicator — NOT a solvency opinion or credit rating.

The default-risk score is a decision-support indicator. It is neither a solvency opinion nor a credit rating in the regulatory sense, and it guarantees no payment.

Take it further

No account to create, no key to request: the first step is free and shows you exactly what you would be buying.

See a real response (free) Get the quote for /v1/score/defaillance/{siren} Get notified about euro packs

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