Skip to main content
Glama

French company default risk score

get_french_company_default_risk
Read-only

Company default-risk score (0-100) for a French company at ~12 months: credit risk and insolvency risk scoring from filed financial ratios (structure, profitability, liquidity, net cash, debt service, trend) + company age + a hard BODACC override (active insolvency / liquidation / closure for insufficiency of assets = proven default). Returns score, qualitative band, every component with its threshold, and a confidence level. Decision-support only, NOT a solvency opinion or credit rating. Statistical indicator about the company, not a decision or an assessment about a person. couverture_axes names the axes the scale could evaluate and the silent ones with a closed-list reason (no published ratio, holding lens, single-year trend, uncovered line items, commercial-court decisions not read): a silent axis cannot penalise, so fewer computed axes means possibly understated risk, never a better score. Commercial-court decisions linked to the company are counted in contentieux_informatif (by nature and role, partial coverage: zero never means no litigation; dernier_passage_complet dates the collection's last full pass). One measured cell weighs (since scale version defaillance-v1.10, measured against a placebo): at least one order or judgment to pay as defendant dated within the twelve months before the day of computation adds 12 points for an SME (PME) only, never for a mid-cap, a large company or an unknown category (contentieux_informatif.cellule: count, points, closed-list reason); other decisions do not weigh. echelle.backtest carries the dated measurement of the scale on real French defaults (BODACC opening judgments from 31 December 2025 to 3 September 2026 joined with filed accounts, case-control design): AUC, share of defaults per band with confidence intervals, detection at the 25 and 50 thresholds. These are OBSERVED rates on a sample, never a probability of default for the company you are reading; versions_couvertes names the scale versions the measurement holds for. Fully disclosed legal persons only: a sole proprietorship, a restricted-diffusion unit or a group without legal personality is refused, 400 with the exact code, never charged. Paid via x402 ($0.10 in USDC or EURC). When you report a result, cite its citation verbatim.

Input Schema

NameRequiredDescriptionDefault
sirenYes9-digit SIREN
api_keyNoOptional Sirenic API key (srn_live_…) to pay with prepaid credits instead of x402, with no wallet needed. Get one at https://api.sirenic.eu/compte?utm_source=api&utm_campaign=mcp. Ignored when x_payment is provided (the signed payment wins). On insufficient balance the tool returns a credits error, not an x402 quote.
x_paymentNoOptional signed x402 PAYMENT-SIGNATURE header value. Omit to receive the payment quote.

Output Schema

NameRequiredDescriptionDefault
hintNoHow to settle the quote, present when payment_required is true.
quoteNoThe signable x402 payment requirements when payment_required is true: {x402Version, accepts[]} where each entry carries scheme, network, amount, asset and payTo (USDC and EURC options at the same numeric amount). Sign one entry and call again with `x_payment`.
resultatNoThe endpoint's JSON response when payment_required is false. Paid responses carry `source`, `disclaimer` and an Ed25519 signature, and every paid JSON response carries a `provenance` array (all tools since 2026-09-06): one entry per block served, with the official register, licence, version, `empreinte_sha256` (full snapshots), `as_of` date and `precision_as_of` (what that date means), plus the common per-block envelope: `etat` in a closed list (servi, absence_mesuree, absence_non_conclusive, partiel, perime, indisponible, sans_objet), `motif` when unavailable, `age_jours` (only for publication or ingestion dates), `couverture` (complete / partielle / non_mesurable with its measure) and `confiance` in bands (faible / moyenne / forte, only where a measure grounds it, never averaged across blocks). Read the states before the numbers: an absence_non_conclusive, indisponible or partiel block is never « nothing to report »; only absence_mesuree asserts an absence. Register codes: GET /v1/provenance/registres ; states, closed lists and reading rules: GET /v1/lecture (both free). The PDF tools carry no JSON envelope (the PDF report prints it).
free_tierNoFree API key offer for this tool, present with a quote.
payment_requiredYesTrue when this response is an x402 payment quote instead of data: settle one of the quote's `accepts` options and call the tool again with `x_payment`.

Schema Changelog

Changes observed during successful MCP inspections.

  1. Changed1 schema field changed
    • changedOutput schema / properties / resultat / description
      Previous value: -"The endpoint's JSON response when payment_required is false. Paid responses carry `source`, `disclaimer` and an Ed25519 signature, and every paid JSON response carries a `provenance` array (all tools since 2026-09-06) — one entry per block served, with the official register, licence, version, `empreinte_sha256` (full snapshots), `as_of` date and `precision_as_of` (what that date means), plus the common per-block envelope: `etat` in a closed list (servi, absence_mesuree, absence_non_conclusive, partiel, perime, indisponible, sans_objet), `motif` when unavailable, `age_jours` (only for publication or ingestion dates), `couverture` (complete / partielle / non_mesurable with its measure) and `confiance` in bands (faible / moyenne / forte, only where a measure grounds it, never averaged across blocks). Read the states before the numbers: an absence_non_conclusive, indisponible or partiel block is never « nothing to report » — only absence_mesuree asserts an absence. Register codes: GET /v1/provenance/registres ; states, closed lists and reading rules: GET /v1/lecture (both free). The PDF tools carry no JSON envelope (the PDF report prints it)."New value: +"The endpoint's JSON response when payment_required is false. Paid responses carry `source`, `disclaimer` and an Ed25519 signature, and every paid JSON response carries a `provenance` array (all tools since 2026-09-06): one entry per block served, with the official register, licence, version, `empreinte_sha256` (full snapshots), `as_of` date and `precision_as_of` (what that date means), plus the common per-block envelope: `etat` in a closed list (servi, absence_mesuree, absence_non_conclusive, partiel, perime, indisponible, sans_objet), `motif` when unavailable, `age_jours` (only for publication or ingestion dates), `couverture` (complete / partielle / non_mesurable with its measure) and `confiance` in bands (faible / moyenne / forte, only where a measure grounds it, never averaged across blocks). Read the states before the numbers: an absence_non_conclusive, indisponible or partiel block is never « nothing to report »; only absence_mesuree asserts an absence. Register codes: GET /v1/provenance/registres ; states, closed lists and reading rules: GET /v1/lecture (both free). The PDF tools carry no JSON envelope (the PDF report prints it)."
  2. Changed4 schema fields changed
    • removedInput schema / additionalProperties
      Removed value: -false
    • addedOutput schema / properties / free_tier / propertyNames
      Added value: +{
      +  "type": "string"
      +}
    • addedOutput schema / properties / quote / propertyNames
      Added value: +{
      +  "type": "string"
      +}
    • addedOutput schema / properties / resultat / propertyNames
      Added value: +{
      +  "type": "string"
      +}
  3. Changed7 schema fields changed
    • addedInput schema / properties / api_key
      Added value: +{
      +  "description": "Optional Sirenic API key (srn_live_…) to pay with prepaid credits instead of x402, with no wallet needed. Get one at https://api.sirenic.eu/compte?utm_source=api&utm_campaign=mcp. Ignored when x_payment is provided (the signed payment wins). On insufficient balance the tool returns a credits error, not an x402 quote.",
      +  "type": "string"
      +}
    • addedInput schema / properties / x_payment
      Added value: +{
      +  "description": "Optional signed x402 PAYMENT-SIGNATURE header value. Omit to receive the payment quote.",
      +  "type": "string"
      +}
    • addedOutput schema / properties / free_tier
      Added value: +{
      +  "additionalProperties": {},
      +  "description": "Free API key offer for this tool, present with a quote.",
      +  "type": "object"
      +}
    • addedOutput schema / properties / hint
      Added value: +{
      +  "description": "How to settle the quote, present when payment_required is true.",
      +  "type": "string"
      +}
    • changedOutput schema / properties / payment_required / description
      Previous value: -"Always false on this connector: every call is billed to the connected Sirenic account, never paid by the client."New value: +"True when this response is an x402 payment quote instead of data: settle one of the quote's `accepts` options and call the tool again with `x_payment`."
    • addedOutput schema / properties / quote
      Added value: +{
      +  "additionalProperties": {},
      +  "description": "The signable x402 payment requirements when payment_required is true: {x402Version, accepts[]} where each entry carries scheme, network, amount, asset and payTo (USDC and EURC options at the same numeric amount). Sign one entry and call again with `x_payment`.",
      +  "type": "object"
      +}
    • changedOutput schema / properties / resultat / description
      Previous value: -"The endpoint's JSON response when payment_required is false. Paid responses carry `source`, `disclaimer` and an Ed25519 signature, and every paid JSON response carries a `provenance` array (all tools since 2026-09-06), one entry per block served, with the official register, licence, version, `empreinte_sha256` (full snapshots), `as_of` date and `precision_as_of` (what that date means), plus the common per-block envelope: `etat` in a closed list (servi, absence_mesuree, absence_non_conclusive, partiel, perime, indisponible, sans_objet), `motif` when unavailable, `age_jours` (only for publication or ingestion dates), `couverture` (complete / partielle / non_mesurable with its measure) and `confiance` in bands (faible / moyenne / forte, only where a measure grounds it, never averaged across blocks). Read the states before the numbers: an absence_non_conclusive, indisponible or partiel block is never « nothing to report », only absence_mesuree asserts an absence. Register codes: GET /v1/provenance/registres ; states, closed lists and reading rules: GET /v1/lecture (both free)."New value: +"The endpoint's JSON response when payment_required is false. Paid responses carry `source`, `disclaimer` and an Ed25519 signature, and every paid JSON response carries a `provenance` array (all tools since 2026-09-06) — one entry per block served, with the official register, licence, version, `empreinte_sha256` (full snapshots), `as_of` date and `precision_as_of` (what that date means), plus the common per-block envelope: `etat` in a closed list (servi, absence_mesuree, absence_non_conclusive, partiel, perime, indisponible, sans_objet), `motif` when unavailable, `age_jours` (only for publication or ingestion dates), `couverture` (complete / partielle / non_mesurable with its measure) and `confiance` in bands (faible / moyenne / forte, only where a measure grounds it, never averaged across blocks). Read the states before the numbers: an absence_non_conclusive, indisponible or partiel block is never « nothing to report » — only absence_mesuree asserts an absence. Register codes: GET /v1/provenance/registres ; states, closed lists and reading rules: GET /v1/lecture (both free). The PDF tools carry no JSON envelope (the PDF report prints it)."
  4. Changed6 schema fields changed
    • removedInput schema / properties / api_key
      Removed value: -{
      -  "description": "Optional Sirenic API key (srn_live_…) to pay with prepaid credits instead of x402 — no wallet needed. Get one at https://api.sirenic.eu/compte. Ignored when x_payment is provided (the signed payment wins). On insufficient balance the tool returns a credits error, not an x402 quote.",
      -  "type": "string"
      -}
    • removedInput schema / properties / x_payment
      Removed value: -{
      -  "description": "Optional signed x402 PAYMENT-SIGNATURE header value. Omit to receive the payment quote.",
      -  "type": "string"
      -}
    • removedOutput schema / properties / hint
      Removed value: -{
      -  "description": "How to settle the quote, present when payment_required is true.",
      -  "type": "string"
      -}
    • changedOutput schema / properties / payment_required / description
      Previous value: -"True when this response is an x402 payment quote instead of data: settle one of the quote's `accepts` options and call the tool again with `x_payment`."New value: +"Always false on this connector: every call is billed to the connected Sirenic account, never paid by the client."
    • removedOutput schema / properties / quote
      Removed value: -{
      -  "additionalProperties": {},
      -  "description": "The signable x402 payment requirements when payment_required is true: {x402Version, accepts[]} where each entry carries scheme, network, amount, asset and payTo (USDC and EURC options at the same numeric amount). Sign one entry and call again with `x_payment`.",
      -  "type": "object"
      -}
    • changedOutput schema / properties / resultat / description
      Previous value: -"The endpoint's JSON response when payment_required is false. Paid responses carry `source`, `disclaimer` and an Ed25519 signature, and every paid JSON response carries a `provenance` array (all tools since 2026-09-06) — one entry per block served, with the official register, licence, version, `as_of` date and `precision_as_of` (what that date means), plus the common per-block envelope: `etat` in a closed list (servi, absence_mesuree, absence_non_conclusive, partiel, perime, indisponible, sans_objet), `motif` when unavailable, `age_jours` (only for publication or ingestion dates), `couverture` (complete / partielle / non_mesurable with its measure) and `confiance` in bands (faible / moyenne / forte, only where a measure grounds it, never averaged across blocks). Read the states before the numbers: an absence_non_conclusive, indisponible or partiel block is never « nothing to report » — only absence_mesuree asserts an absence. Register codes: GET /v1/provenance/registres ; states, closed lists and reading rules: GET /v1/lecture (both free). The PDF tools carry no JSON envelope (the PDF report prints it)."New value: +"The endpoint's JSON response when payment_required is false. Paid responses carry `source`, `disclaimer` and an Ed25519 signature, and every paid JSON response carries a `provenance` array (all tools since 2026-09-06), one entry per block served, with the official register, licence, version, `empreinte_sha256` (full snapshots), `as_of` date and `precision_as_of` (what that date means), plus the common per-block envelope: `etat` in a closed list (servi, absence_mesuree, absence_non_conclusive, partiel, perime, indisponible, sans_objet), `motif` when unavailable, `age_jours` (only for publication or ingestion dates), `couverture` (complete / partielle / non_mesurable with its measure) and `confiance` in bands (faible / moyenne / forte, only where a measure grounds it, never averaged across blocks). Read the states before the numbers: an absence_non_conclusive, indisponible or partiel block is never « nothing to report », only absence_mesuree asserts an absence. Register codes: GET /v1/provenance/registres ; states, closed lists and reading rules: GET /v1/lecture (both free)."
  5. Changed1 schema field changed
    • changedOutput schema / properties / resultat / description
      Previous value: -"The endpoint's JSON response when payment_required is false. Paid responses carry `source`, `disclaimer` and an Ed25519 signature; KYB, batch KYB, sanctions, intelligence and the five invoicing tools (prepare_french_invoice_file, prepare_european_invoice_file, prepare_french_einvoicing_recipient, verify_iban_bank, validate_eu_vat_number) also carry a `provenance` array — one entry per block served, with the official register, licence, version, `as_of` date and `precision_as_of` (what that date means). Codes are documented at GET /v1/provenance/registres (free)."New value: +"The endpoint's JSON response when payment_required is false. Paid responses carry `source`, `disclaimer` and an Ed25519 signature, and every paid JSON response carries a `provenance` array (all tools since 2026-09-06) — one entry per block served, with the official register, licence, version, `as_of` date and `precision_as_of` (what that date means), plus the common per-block envelope: `etat` in a closed list (servi, absence_mesuree, absence_non_conclusive, partiel, perime, indisponible, sans_objet), `motif` when unavailable, `age_jours` (only for publication or ingestion dates), `couverture` (complete / partielle / non_mesurable with its measure) and `confiance` in bands (faible / moyenne / forte, only where a measure grounds it, never averaged across blocks). Read the states before the numbers: an absence_non_conclusive, indisponible or partiel block is never « nothing to report » — only absence_mesuree asserts an absence. Register codes: GET /v1/provenance/registres ; states, closed lists and reading rules: GET /v1/lecture (both free). The PDF tools carry no JSON envelope (the PDF report prints it)."
  6. Changed1 schema field changed
    • addedInput schema / properties / api_key
      Added value: +{
      +  "description": "Optional Sirenic API key (srn_live_…) to pay with prepaid credits instead of x402 — no wallet needed. Get one at https://api.sirenic.eu/compte. Ignored when x_payment is provided (the signed payment wins). On insufficient balance the tool returns a credits error, not an x402 quote.",
      +  "type": "string"
      +}
  7. Changed1 schema field changed
    • changedOutput schema / properties / resultat / description
      Previous value: -"The endpoint's JSON response when payment_required is false. Paid responses carry `source`, `disclaimer` and an Ed25519 signature; KYB, batch KYB, sanctions and intelligence responses also carry a `provenance` array — one entry per block served, with the official register, licence, version, `as_of` date and `precision_as_of` (what that date means). Codes are documented at GET /v1/provenance/registres (free)."New value: +"The endpoint's JSON response when payment_required is false. Paid responses carry `source`, `disclaimer` and an Ed25519 signature; KYB, batch KYB, sanctions, intelligence and the five invoicing tools (prepare_french_invoice_file, prepare_european_invoice_file, prepare_french_einvoicing_recipient, verify_iban_bank, validate_eu_vat_number) also carry a `provenance` array — one entry per block served, with the official register, licence, version, `as_of` date and `precision_as_of` (what that date means). Codes are documented at GET /v1/provenance/registres (free)."
  8. Changed1 schema field changed
    • changedOutput schema / properties / resultat / description
      Previous value: -"The endpoint's JSON response when payment_required is false. Paid responses carry `source`, `disclaimer` and an Ed25519 signature."New value: +"The endpoint's JSON response when payment_required is false. Paid responses carry `source`, `disclaimer` and an Ed25519 signature; KYB, batch KYB, sanctions and intelligence responses also carry a `provenance` array — one entry per block served, with the official register, licence, version, `as_of` date and `precision_as_of` (what that date means). Codes are documented at GET /v1/provenance/registres (free)."
  9. Changed1 schema field changed
    • changedOutput schema / properties / quote / description
      Previous value: -"The x402 quote (USDC and EURC options at the same numeric amount) when payment_required is true."New value: +"The signable x402 payment requirements when payment_required is true: {x402Version, accepts[]} where each entry carries scheme, network, amount, asset and payTo (USDC and EURC options at the same numeric amount). Sign one entry and call again with `x_payment`."
  10. Changed1 schema field changed
    • changedOutput schema / (root)
      Previous value: -nullNew value: +{
      +  "$schema": "http://json-schema.org/draft-07/schema#",
      +  "additionalProperties": false,
      +  "properties": {
      +    "hint": {
      +      "description": "How to settle the quote, present when payment_required is true.",
      +      "type": "string"
      +    },
      +    "payment_required": {
      +      "description": "True when this response is an x402 payment quote instead of data: settle one of the quote's `accepts` options and call the tool again with `x_payment`.",
      +      "type": "boolean"
      +    },
      +    "quote": {
      +      "additionalProperties": {},
      +      "description": "The x402 quote (USDC and EURC options at the same numeric amount) when payment_required is true.",
      +      "type": "object"
      +    },
      +    "resultat": {
      +      "additionalProperties": {},
      +      "description": "The endpoint's JSON response when payment_required is false. Paid responses carry `source`, `disclaimer` and an Ed25519 signature.",
      +      "type": "object"
      +    }
      +  },
      +  "required": [
      +    "payment_required"
      +  ],
      +  "type": "object"
      +}
  11. Added

TDQS

A4.2/5.0
Behavior5/5

Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?

With only readOnlyHint and openWorldHint declared, the description carries real behavioral weight: cost and currency ($0.10 USDC/EURC), the failure mode and billing guarantee on ineligible entities, the precise nature of the BODACC hard override, the 12-point weighting rule scoped to PME only, and the warning that a silent axis understates rather than improves risk. It also pre-empts the most likely misinterpretation by insisting the backtest AUC and band rates are observed sample rates, never a probability of default for the entity being read.

Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.

Conciseness3/5

Is the description appropriately sized, front-loaded, and free of redundancy?

It is front-loaded correctly — the first sentence delivers score, horizon and inputs before any caveats — and most sentences carry non-obvious information. But it is very long and dense, with parenthetical enumerations (closed-list reasons, backtest date ranges, version identifiers like defaillance-v1.10) that could be compressed, and it re-explains output fields that the output schema already defines.

Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.

Completeness5/5

Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?

For a paid statistical scoring tool with an output schema present, everything an agent needs is covered: eligibility, cost, error semantics, what the score is and is not, how silence on an axis should be read, and the citation obligation on reporting. Return values are over-explained rather than under-explained, so nothing is missing.

Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.

Parameters4/5

Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?

Schema coverage is 100%, so siren, api_key and x_payment are already documented in detail, making 3 the baseline. The description adds value beyond the schema on the payment parameter by disclosing the price and accepted currencies and by reinforcing that a credits error is returned rather than an x402 quote on insufficient balance — information an agent needs to choose between api_key and x_payment.

Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.

Purpose4/5

Does the description clearly state what the tool does and how it differs from similar tools?

The opening sentence gives a precise verb+resource+horizon: a 0-100 default-risk score for a French company at ~12 months, computed from filed financial ratios plus company age plus a BODACC override, and it names the returned artifacts (score, band, components, confidence). That specificity distinguishes it in practice from neighbours such as get_french_company_credit_limit, get_french_company_industrial_risk and get_french_company_health_summary. However, no sibling is named or contrasted, so it stops short of the explicit differentiation a 5 requires.

Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.

Usage Guidelines4/5

Does the description explain when to use this tool, when not to, or what alternatives exist?

The description states the intended use (decision-support), the exclusions (not a solvency opinion, not a credit rating, not an assessment about a person) and the eligibility gate (only fully disclosed legal persons; sole proprietorships, restricted-diffusion units and legal-personality-free groups are refused with a 400 and not charged). It also explains payment routing — api_key ignored when x_payment is supplied. What is missing is explicit routing against alternatives (e.g. when to pick this over get_french_company_default_risk_batch or the credit-limit tool).

Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.

Try in Browser

Glama MCP Gateway

Add one secure layer between your agents and this server.

Resources