Risk Guard

Early-warning system for credit risks

Make the future more predictable

Ratings reflect changing conditions with a delay. To recognize credit risks early on and avoid losses, you need special tools and procedures – which is why the German regulator BaFin lists having an early-warning system as one of its “Minimum Requirements for Risk Management (MaRisk).”

Our early warning system Risk Guard determines risk scores on a daily basis, forecasts significant changes in creditworthiness, and generates warning signals – with up to one year’s notice – for companies (listed and others), banks, entire industries, countries, and regions.



This highly versatile tool has a range of applications, including:

Financial controlling of credit risks

Risk management

Portfolio management

Asset management


Analyses are based on financial data – specifically, capital market data for listed companies as well as for countries, regions, and industries; and industry-specific market data combined with company-specific balance sheet information for unlisted companies. In addition, the tool uses specially developed analytic models that evaluate the daily news from all relevant sources (currently in German, with English-language sources to be added soon) and use machine learning to process it. All models are regularly validated and continually enhanced.


Risk Guard is web-based

Easy and quick to implement, the tool is available in German and English. To make it your central early-warning platform, tailored to your specific portfolio, all you need to do is integrate your in-house alerts.

More helpful tools for you:


Internal ratings creation, processing, review, and management in accordance with Basel III/IV. Get a standardized, objective credit assessment in the form of a rating score, which reflects the probability of default.

Risk Analyzer

Monthly estimates of creditworthiness for listed companies and financial institutions worldwide, as well as for defined peer groups.


Questions? We’ll be happy to answer them.
Write to or call +49.(0)89.442340-0