Can Your Financial Statements Withstand Scrutiny and Lead to a Decision?

You can read financial statements. You can check financial figures. Still, can you confidently answer the question, 'Should we proceed with this transaction?' Nakamura Rating Institute, Inc. (Headquarters: Kawasaki City, Kanagawa Prefecture, President: Hiroyuki Nakamura) will launch the web application 'NRPD Web App' on April 1, 2026. This app supports the entire process from financial analysis to the calculation of credit limits and transaction decisions, based on PDF financial statements of companies worldwide, regardless of whether they are domestic or international.

Directly Link Analysis Results to Transaction Decisions By uploading the financial statement PDF of a target company, users can review and revise the information to collectively check the credit limit (Gross/NET), transaction decision, financial indicators, and comments. The system presents a basis for judgment by comparing the calculated NET credit limit with the actual transaction amount entered by the user, determining whether it is 'Approvable,' 'Cautionary,' or 'Rejectable.' The service's value lies not just in displaying numbers, but in delving into the practical question of 'Should this transaction proceed?'

Compare with Competitors by Selecting Your Own Comparison Companies By uploading the financial statement PDFs of companies chosen by the user, such as competitors or companies in the same industry, users can compare NRPD, financial indicators, NCRI (Cash Rich Indicator), and others side-by-side with the target company. This visualization of relative strengths and weaknesses, which are difficult to discern from a standalone evaluation, enhances the confidence in decision-making.

Verify Reliability of Financial Data and Prevent Blind Acceptance with Understandable Comments By comparing financial data over multiple periods, alerts are displayed from seven perspectives: discrepancy between sales and accounts receivable, rapid increase in accounts receivable relative to net profit, rapid expansion of assets, rapid increase in inventory ratio, and rapid increase in short-term debt. Users can simultaneously check if there are any inconsistencies in the financial figures that form the basis of credit assessment. Furthermore, comments are organized into seven categories: Financial Summary, Benchmark Comparison, NRPD Calculation Basis, Fictitious Accounting Risk Interpretation, NCRI, Credit Limit Basis, and Transaction Decision Basis, supplementing the numbers with explanations of their background and points of caution. The design facilitates decision-making by considering comparisons and context, rather than blindly accepting the results.