For nine consecutive years, the FRISK® Score has successfully warned on 96% of all bankruptcies. From January through December 2025, the FRISK® Score maintained its 96% success rate in accurately identifying public companies that declared bankruptcy. Of the 133 companies that filed during this period, 128 were flagged as “high risk” at least three months in advance.

From January through December 2025, the PAYCE® Score predicted bankruptcies across North America, including the private companies listed on the next page. These companies were flagged as “high risk” at least three months in advance. Importantly, nearly 50% of the largest company bankruptcies showed prompt or near-prompt trade payment behavior
shortly before filing (the cloaking effect). Because of this, traditional trade-only models did not flag them.

The AI-driven FRISK® Score predicts bankruptcy with 96% accuracy, serving as a first-line-of-defense for risk professionals worldwide. In 2024, the FRISK® Score accurately identified 206 of 215 public company bankruptcies as “high-risk” at least 3 months before filing.

Since 2017, the FRISK® Score has achieved a 96% success rate in accurately classifying public companies that go bankrupt. Of 191 worldwide public company bankruptcies, the FRISK® score accurately identified 183 as “high-risk” at least three months before they filed.

CreditRiskMonitor delivers a highly accurate gauge of U.S. public company bankruptcy risk. During the preceding three calendar years from 2020 to 2022, out of 352 occurrences of bankruptcy, our proprietary FRISK® score only missed predicting 17 bankruptcies. That amounts to a 96% rate of success during that time.

Leveraging AI for accurate private company bankruptcy risk assessment, we were successful in predicting 71% of bankruptcies in 2021 with the PAYCE® score. Download this free report to learn more.

CreditRiskMonitor delivers a highly accurate gauge on U.S. public company bankruptcy risk. In 2021, out of 13 occurrences of bankruptcy, our proprietary FRISK® score hit on all 13 bankruptcies. That amounts to a perfect 100% rate of success during that time.

CreditRiskMonitor delivers a highly accurate gauge on U.S. public company bankruptcy risk. In 2020, out of 85 occurrences of bankruptcy, our proprietary FRISK® score only missed predicting two bankruptcies. That amounts to a 97% rate of success during that time.

Leveraging AI for accurate private company bankruptcy risk assessment, we were successful in predicting 79% of bankruptcies in 2020 with the PAYCE® score.

Leveraging AI for accurate private company bankruptcy risk assessment, we were successful in predicting 70% of bankruptcies in the first quarter of 2020 with the PAYCE® score.

Leveraging AI for accurate private company bankruptcy risk assessment, we were successful in predicting 77% of bankruptcies in 2019 with the PAYCE® score.

Since the start of 2017, the FRISK® score’s rate of success in capturing public company bankruptcy is 96%: 139 identified out of 145 bankruptcies. In any given year, you can count on one hand the times we miss – and in those outlier cases, the circumstances deal with unusual, unforeseen events such as natural disasters and […]