# 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.

## 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](https://api.sirenic.eu/exemples/), 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

- `/v1/entreprise/{siren}/sante` — $0.15
- `/v1/entreprise/{siren}/finances` — $0.01
- `/v1/entreprise/{siren}/alertes` — $0.01

## 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](mailto:contact@sirenic.eu?subject=Euro%20credit%20packs) 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](https://api.sirenic.eu/openapi.json) and in [llms.txt](https://api.sirenic.eu/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

| Route | Price | What it returns |
| --- | --- | --- |
| `/v1/score/defaillance/{siren}` | $0.10 | 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. |

> ⚠️ 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

- [See a real response (free)](https://api.sirenic.eu/exemples/score-defaillance-siren.json)
- [Get the quote for /v1/score/defaillance/{siren}](https://api.sirenic.eu/v1/score/defaillance/552032534)
- [Get notified about euro packs](mailto:contact@sirenic.eu?subject=Euro%20credit%20packs)

## Read next

- [Assessing a customer's default risk](https://api.sirenic.eu/en/use-cases/assess-customer-s-default-risk-with-scorecard-returned)
- [Sirenic or Pappers: which one for which need](https://api.sirenic.eu/en/compare/sirenic-or-pappers-credits-versus-pay-per-call-compared)

---

Volume figures on this page were measured in our database on 2026-08-19. They are dated snapshots, not live counters.

Full catalogue : https://api.sirenic.eu/