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Assessment of the probability of default of a SME based on its credit history and data from open sources.


Request XML

  body:

<?xml version="1.0" encoding="utf-8"?>

<doc>

<ubki sessid="Session key (obtained from the authorization API)">

<req_envelope descr="Request envelope">

<req_xml descr="Request object">

<!-- Request parameters -->

<request version="1.0" reqtype="Template code (code from ref.49): 'Information on registration of the taxpayer' - 36" reqreason="Request objective (code from ref.24)">

<!-- Parameters describing search criteria-->

<i reqlng="Search criteria language (code from ref.23)">

<!-- Subject identification parameters-->

<ident okpo="EDRPOU (for legal entities)">

</ident>

<additionaldata datescore="Scoring date. Not filled in if the scoring is currently calculated" />

</i>

</request>

</req_xml>

</req_envelope>

</ubki>

</doc>

Response XML

 body:

<?xml version="1.0" encoding="utf-8"?>

<ubkidata>

<!-- System information part -->

<tech>

<trace>

<step name="Step name" stm="Step start stamp date" ftm="Step finish stamp date">

<!-- The trace part contains timing metrics of components generation steps -->

</step>

</trace>

<error errtype="Error code (code from ref.0)" errtext="Error text (value from ref.0)">

</error>

<reqinfo reqid="Outgoing request ID generated by UBKI">

</reqinfo>

<!-- Information about the current status of the prepaid account part-->

<billing>

<balance value="Total assets" date="Date" time="Time" />

</billing>

</tech>

<!-- Identification block -->

<comp id="1" descr="Components name">

<cki inn="EGPROU of the legal entity" lname="Name of the legal entity" reqlng="Search language (during search) / Identification language (during transmission) (Code from ref.23)" reqlngref="Search language (during search) / Identification language (during transmission) (Meaning from ref.23)">

<!-- Block of the legal entity identification history-->

<urident donor="A source of information (code from ref. 54)" vdate="Date of this block information" lng="Block representation language (Code from ref.23)" lngref="Block representation language (Meaning from ref.23)" okpo="EGRPOU of the legal entity" urname="Name of the legal entity" urfrms="Form of ownership (Code from ref.38)" urfrmsref="Form of ownership (Meaning from ref.38)" ureconom="Branch of economy (Section KVED2010) (Code from ref.36)" ureconomref="Branch of economy (Section KVED2010) (Meaning from ref.36)" urvide="Business activity (KVED2010) (Code from ref.37)" urvideref="Business activity (KVED2010) (Code from ref.37)" urdatreg="Date of registration in the Unified State Register" urdatregnal="Date of registration in the tax inspectorate">

<!--This block can and has to consist of 1 .. * elements-->

</urident>

<!-- Block of the related persons for the legal entities (Director, accountant ...)-->

<linked okpo2="INN/EGRPOU of the related person" okpo2_name="Full name/Name of the related person" linkrole="Type of connection (Code from ref.39)" linkroleref="Type of connection (Meaning from ref.39)" rdate="Connection updated date">

<!--This block can and has to consist of 1 .. * elements-->

</linked>

<!-- Block of the Information History of addresses -->

<addr addonor="A source of information (code from ref. 54)" vdate="Date of information of this block" lng="Block representation language (Code from ref.23)" lngref="Block representation language (Meaning from ref.23)" adtype="Address type (Code from ref.9)" adtyperef="Address type (Meaning from ref.9)" adcountry="country" adindex="ZIP code" adstate="Region" adarea="District" adcity="Settlement" adcitytype="Settlement type (Code from ref.22)" adcitytyperef="Settlement type (Meaning from ref.22)" adstreet="Street" adhome="House" adcorp="Block" adflat="Apartment" addrdirt="Address in one line (in case if the address is not decomposed in the old data) as agreed with the Ukrainian Bureau of the Credit History">

<!--This block has to consist of 1 .. * elements and has to be filled, at least, with one address-->

</addr>

</cki>

</comp>

<!-- Block – a register of requests -->

<comp id="4" descr="Components name">

<credres redate="Date of decision " inn="INN" reqid="Request identifier in the Bureau" result="Report result (Code from ref.19)" resultref="Report result (Meaning from ref.19)" reqreason="Reason for the request in to the bureau (Code from ref.24)" reqreasonref="Reason for the request in to the bureau (Meaning from ref.24)" org="Initiating agency (code from ref. 54)">

<!--This block has to consist of 1 .. * elements -->

</credres>

<reestrtime hr="Number of requests per hour" da="Number of requests per day" wk="Number of requests per week" mn="Number of requests per month" qw="Number of requests per quarter" ye="Number of requests per year" yu="Number of requests per over a year">

<!--This block has to consist of the 1st element-->

</reestrtime>

</comp>

<!-- Block – Monitoring -->

<comp id="6" descr="Components name">

<moncredres org="Initiating organization (code from ref. 54)" resultref="Monitoring result (value from ref.19)" result="Monitoring result (Code from ref.19)" monid="Unique Monitoring Identifier" inn="TIN" startdate="Monitoring start date" enddate="Date of last monitoring " />

<!--This part can contain 0..* items -->

</comp>

<!-- Client alert -->

<comp id="18" descr="Components name">

<pret nonewdeal="Sign of reluctance to draw up new loan products, connection status of the FREEZE option: 0 - not enabled, 1 - enabled" nonewdealref="The value of the sign of unwillingness to draw up new credit products, the connection status of the FREEZE option is 0-no (the option is not connected), 1-yes (the option is connected)" inn="INN (for natural persons) / OKPO (for legal entities)">

<pretension inn="INN (for natural persons) / OKPO (for legal entities)" crdeal="Transaction identifier (reference)" source="Disputing type (Code from ref.48)" sourceref="Disputing type (Value from ref.48)" vdate="Date of the request creation" />

<commentcki comment="Commentary of the subject of credit history" vdate="Date of a comment creation" />

<plost pser="Passport series claimed by the client as lost (theft)" pnom="Passport number declared by the client as lost (theft)" crdate="ДDate of creation of an application for the loss / theft of a client's passport in UBCH" ldate="The date of loss / theft of the client's passport indicated in the application in UBCH" />

<changedeal crdeal="Transaction identifier (reference)" changecode="Code for the reason of correction/deletion of data (Code from ref.62)" changeref="Text of the reason for correcting/deleting data (Value from ref.62)" vdate="Date of data correction/deletion " />

</pret>

</comp>

<!-- SME score -->

<comp id="58" descr="Components name">

<scoremsb>

<!-- Scoring with credit history and open data -->

<msbch modelversion="Version of model " score="Score" scoredate="Date of score" />

<features name="Name of predictor" value="Value of predictor" />

<!--This block has to consist of the 1..* elements-->

<!-- Scoring with open data -->

<msbod modelversion="Version of model " score="Score" scoredate="Date of score">

<features name="Name of predictor" value="Value of predictor" />

<!--This block has to consist of the 1..* elements-->

</msbod>

</scoremsb>

</comp>

</ubkidata>

Example

Request

<?xml version="1.0" encoding="UTF-8"?>
<doc>
  <ubki sessid="EDF4309796114D6D9B8365370DA2DEE9">
    <req_envelope>
      <req_xml>
        <request version="1.0" reqtype="40" reqreason="2">
          <i reqlng="4">
            <ident okpo="12345632" />
            <additionaldata datescore="" />
          </i>
        </request>
      </req_xml>
    </req_envelope>
  </ubki>
</doc>

Response

<?xml version="1.0" encoding="UTF-8" standalone="yes"?>
<ubkidata>
    <tech>
        <trace>
            <step name="build report" stm="2022-08-29 13:53:48.516" ftm="2022-08-29 13:53:49.618"/>
        </trace>
        <reqinfo reqid="req2#000002461660"/>
    </tech>
    <comp id="1" descr="Identification of the Credit History Subject (CHS)">
        <cki reqlngref="Ukrainian" reqlng="1" lname="ТОВ 'ХІМПОБУТ'" inn="12345632">
            <urident vdate="2020-05-12" lng="1" lngref="Ukrainian" urname="ТОВ 'ХІМПОБУТ'" urfrms="240" urfrmsref="Товариство з обмеженою відповідальністю" ureconom="G" ureconomref="Оптова та роздрібна торгівля\x09 ремонт автотранспортних засобів і мотоциклів" urvide="46.75" urvideref="Оптова торгівля хімічними продуктами" urdatreg="2014-07-07" urdatregnal="2014-07-07"/>
            <urident vdate="2020-04-28" lng="1" lngref="Ukrainian" urname="ТОВ 'ХІМПОБУТ'" urfrms="240" urfrmsref="Товариство з обмеженою відповідальністю" ureconom="G" ureconomref="Оптова та роздрібна торгівля\x09 ремонт автотранспортних засобів і мотоциклів" urvide="" urvideref="" urdatreg="2014-07-07" urdatregnal="2014-07-07"/>
            <urident vdate="2020-03-12" lng="1" lngref="Ukrainian" urname="ТОВ 'ХІМПОБУТ'" urfrms="240" urfrmsref="Товариство з обмеженою відповідальністю" ureconom="G" ureconomref="Оптова та роздрібна торгівля\x09 ремонт автотранспортних засобів і мотоциклів" urvide="46.75" urvideref="Оптова торгівля хімічними продуктами" urdatreg="2014-07-08" urdatregnal="2014-07-08"/>
            <urident vdate="2019-09-12" lng="1" lngref="Ukrainian" urname="ТОВ 'ХІМПОБУТ'" urfrms="240" urfrmsref="Товариство з обмеженою відповідальністю" ureconom="G" ureconomref="Оптова та роздрібна торгівля\x09 ремонт автотранспортних засобів і мотоциклів" urvide="46.75" urvideref="Оптова торгівля хімічними продуктами" urdatreg="2014-07-07" urdatregnal="2014-07-07"/>
            <urident vdate="2019-08-28" lng="1" lngref="Ukrainian" urname="ТОВ 'ХІМПОБУТ'" urfrms="240" urfrmsref="Товариство з обмеженою відповідальністю" ureconom="G" ureconomref="Оптова та роздрібна торгівля\x09 ремонт автотранспортних засобів і мотоциклів" urvide="" urvideref="" urdatreg="2014-07-07" urdatregnal="2014-07-07"/>
            <urident vdate="2019-08-01" lng="1" lngref="Ukrainian" urname="ТОВ 'ХІМПОБУТ'" urfrms="240" urfrmsref="Товариство з обмеженою відповідальністю" ureconom="G" ureconomref="Оптова та роздрібна торгівля\x09 ремонт автотранспортних засобів і мотоциклів" urvide="" urvideref="" urdatreg="2014-07-08" urdatregnal="2014-07-08"/>
            <urident vdate="2019-07-12" lng="1" lngref="Ukrainian" urname="ТОВ 'ХІМПОБУТ'" urfrms="240" urfrmsref="Товариство з обмеженою відповідальністю" ureconom="G" ureconomref="Оптова та роздрібна торгівля\x09 ремонт автотранспортних засобів і мотоциклів" urvide="46.75" urvideref="Оптова торгівля хімічними продуктами" urdatreg="2014-07-08" urdatregnal="2014-07-08"/>
            <urident vdate="2018-12-01" lng="1" lngref="Ukrainian" urname="ТОВ 'ХІМПОБУТ'" urfrms="240" urfrmsref="Товариство з обмеженою відповідальністю" ureconom="G" ureconomref="Оптова та роздрібна торгівля\x09 ремонт автотранспортних засобів і мотоциклів" urvide="" urvideref="" urdatreg="2014-07-08" urdatregnal="2014-07-08"/>
            <urident vdate="2017-03-18" lng="1" lngref="Ukrainian" urname="ТОВ 'ХІМПОБУТ'" urfrms="100" urfrmsref="Підприємства" ureconom="S" ureconomref="Надання інших видів послуг" urvide="" urvideref="" urdatreg="2014-07-08" urdatregnal="2014-07-08"/>
            <urident vdate="2017-03-17" lng="1" lngref="Ukrainian" urname="ТОВ 'ХІМПОБУТ'" urfrms="100" urfrmsref="Підприємства" ureconom="S" ureconomref="Надання інших видів послуг" urvide="" urvideref="" urdatreg="2014-07-07" urdatregnal="2014-07-07"/>
            <urident vdate="2016-07-18" lng="1" lngref="Ukrainian" urname="ТОВ 'ХІМПОБУТ'" urfrms="100" urfrmsref="Підприємства" ureconom="S" ureconomref="Надання інших видів послуг" urvide="" urvideref="" urdatreg="2014-07-08" urdatregnal="2014-07-08"/>
            <urident vdate="2016-07-17" lng="1" lngref="Ukrainian" urname="ТОВ 'ХІМПОБУТ'" urfrms="100" urfrmsref="Підприємства" ureconom="S" ureconomref="Надання інших видів послуг" urvide="" urvideref="" urdatreg="2014-07-07" urdatregnal="2014-07-07"/>
            <linked okpo2="2182717193" okpo2_name="ШЕВЧЕНКО ЮРІЙ ГНАТОВИЧ" linkrole="1" linkroleref="Founder" rdate="2019-08-14"/>
            <linked okpo2="1241105334" okpo2_name="ТКАЧЕНКО БОГДАН ВАСИЛЬОВИЧ" linkrole="1" linkroleref="Founder" rdate="2017-12-26"/>
            <linked okpo2="2141207293" okpo2_name="НЕСТЕРЕНКО АНДРІЙ ІВАНОВИЧ" linkrole="1" linkroleref="Founder" rdate="2017-12-26"/>
            <linked okpo2="2151707293" okpo2_name="СЕМЕРЕНКО АБРАМ ІОАНОВИЧ" linkrole="2" linkroleref="Head" rdate="2017-05-13"/>
            <doc dwdt="2014-07-08" dwho="ВИКОНАВЧИЙ КОМІТЕТ ХАРКІВСЬКОЇ МІСЬКОЇ РАДИ" dterm="" dnom="null" dser="null" dtyperef="Certificate of state registration" dtype="11" lngref="Ukrainian" lng="1" vdate="2018-10-01" ddonor="BNK"/>
            <doc dwdt="2019-03-14" dwho="ДАННЫЕ ЕГРОДИ" dterm="" dnom="12345632" dser="null" dtyperef="Extract from the Unified State Register of Legal Entities and Individual Entrepreneurs" dtype="12" lngref="Ukrainian" lng="1" vdate="2017-06-01" ddonor="BNK"/>
            <doc dwdt="2014-07-08" dwho="ГУ ДФС У ХАРКІВСЬКІЙ ОБЛАСТІ (М.ХАРКІВ)" dterm="" dnom="" dser="" dtyperef="Reference on taxpayer’s registration" dtype="15" lngref="Ukrainian" lng="1" vdate="2020-05-01" ddonor="BNK"/>
            <doc dwdt="2014-07-08" dwho="ДПІ У М. ХАРКІВІ ГУ МІНДОХОДІВ У ХАРКІВС" dterm="" dnom="null" dser="null" dtyperef="Reference on taxpayer’s registration" dtype="15" lngref="Ukrainian" lng="1" vdate="2018-10-01" ddonor="BNK"/>
            <addr adflat="" adcorp="" adhome="16А" adstreet="МИРУ" adcitytyperef="" adcitytype="" adcity="ХАРКІВ" adarea="" adstate="ХАРКІВСЬКА" adindex="" adcountry="UA" adtyperef="Residence address" adtype="1" lngref="Ukrainian" lng="1" vdate="2017-06-28" addonor="BNK"/>
            <addr adflat="" adcorp="" adhome="БУД. 95" adstreet="ПР-Т. МИРУ" adcitytyperef="" adcitytype="" adcity="МІСТО ХАРКІВ" adarea="" adstate="ХАРКІВСЬКА ОБЛАСТЬ" adindex="17000" adcountry="UA" adtyperef="Actual address (legal entity)" adtype="3" lngref="Ukrainian" lng="1" vdate="2020-02-14" addonor="BNK"/>
            <addr adflat="" adcorp="" adhome="БУД. 95" adstreet="ПР-Т. МИРУ" adcitytyperef="" adcitytype="" adcity="МІСТО ХАРКІВ" adarea="" adstate="ХАРКІВСЬКА ОБЛАСТЬ" adindex="17000" adcountry="UA" adtyperef="Legal address (legal entity)" adtype="4" lngref="Ukrainian" lng="1" vdate="2020-02-14" addonor="BNK"/>
            <addr adflat="" adcorp="" adhome="95" adstreet="МИРУ" adcitytyperef="" adcitytype="" adcity="ХАРКОВ" adarea="" adstate="ХАРКОВСКАЯ" adindex="17000" adcountry="UКR" adtyperef="Legal address (legal entity)" adtype="4" lngref="Ukrainian" lng="1" vdate="2020-02-03" addonor="BNK"/>
            <addr adflat="6" adcorp="1" adhome="1/27" adstreet="КОТЛЯРЕВСЬКОГО" adcitytyperef="" adcitytype="" adcity="ХАРКІВ" adarea="" adstate="ХАРКІВСКАЯ" adindex="172" adcountry="UКR" adtyperef="Legal address (legal entity)" adtype="4" lngref="Ukrainian" lng="1" vdate="2017-07-19" addonor="BNK"/>
            <addr adflat="6" adcorp="1" adhome="1/27" adstreet="КОТЛЯРЕВСКОГО" adcitytyperef="" adcitytype="" adcity="ХАРКІВ" adarea="" adstate="ХАРКІВСКАЯ" adindex="17020" adcountry="UA" adtyperef="Legal address (legal entity)" adtype="4" lngref="Ukrainian" lng="1" vdate="2016-04-25" addonor="BNK"/>
        </cki>
        <identdocmvds/>
    </comp>
    <comp id="4" descr="Inquiries registry">
        <credres org="BNK" reqreasonref="Credit request" reqreason="2" resultref="Report provided successfully" result="1" reqid="req2#000002461296" inn="12345632" redate="2022-08-29" retime="01:13:48"/>
        <credres org="BNK" reqreasonref="Credit request" reqreason="2" resultref="Report provided successfully" result="1" reqid="req2#000002461201" inn="12345632" redate="2022-08-28" retime="01:13:48"/>
        <credres org="BNK" reqreasonref="Credit request" reqreason="2" resultref="Report provided successfully" result="1" reqid="req2#000002461162" inn="12345632" redate="2022-08-27" retime="01:13:53"/>
        <credres org="BNK" reqreasonref="Credit request" reqreason="2" resultref="Report provided successfully" result="1" reqid="req2#000002459273" inn="12345632" redate="2022-08-25" retime="01:13:49"/>
        <credres org="BNK" reqreasonref="Credit request" reqreason="2" resultref="Report provided successfully" result="1" reqid="req2#000002458720" inn="12345632" redate="2022-08-24" retime="01:13:50"/>
        <credres org="BNK" reqreasonref="Credit request" reqreason="2" resultref="Report provided successfully" result="1" reqid="req2#000002458128" inn="12345632" redate="2022-08-23" retime="01:13:48"/>
        <reestrtime hr="0" da="1" wk="5" mn="24" qw="56" ye="147" yu="6"/>
    </comp>
    <comp id="6" descr="Monitoring (does not affect credit rating)"/>
    <comp id="18" descr="Client alert">
        <pret inn="12345632" nonewdeal="0" nonewdealref="No" nonewdealcomment=""/>
    </comp>
    <comp id="58" descr="SME score">
        <scoremsb>
            <msbch modelversion="1" score="369" scoredate="2022-08-29">
                <features name="ch110" value="1253"/>
                <features name="ch112" value="0"/>
                <features name="ch114" value="0"/>
                <features name="ch116" value="0"/>
                <features name="ch12" value="5"/>
                <features name="od33" value="-1"/>
                <features name="od35" value="-1"/>
                <features name="od4" value="487"/>
                <features name="od43" value="0"/>
                <features name="od47" value="41"/>
            </msbch>
            <msbod modelversion="1" score="104" scoredate="2022-08-29">
                <features name="od1" value="291"/>
                <features name="od10" value="-1"/>
                <features name="od12" value="-1"/>
                <features name="od15" value="-1"/>
                <features name="od16" value="-1"/>
                <features name="od90" value="4"/>
            </msbod>
        </scoremsb>
    </comp>
</ubkidata>

Test URL

https://test.ubki.ua/b2_api_xml/ubki/xml

Test data

  • okpo="12345632"

  • okpo="12345649"

  • okpo="12345610"

  • okpo="12345632"

<comp id="18" descr="Попередження від СКІ"> тег <changedeal>

  • 12345626

  • No labels