Can you make a final decision based on those financial statements?

You can read financial statements. You can check financial figures. But can you answer the question, 'Is it safe to proceed with this transaction?' with confidence? Nakamura Rating K.K. (Headquarters: Kawasaki, Kanagawa; President: Hiroyuki Nakamura) will launch the 'NRPD Web App' on April 1, 2026. This web application supports the entire process—from financial analysis to the calculation of credit limits and transaction determinations—based on financial statement PDFs from companies worldwide, both domestic and international.

Connecting analysis results directly to transaction decisions After uploading a target company's financial statement PDF and performing verification and corrections, users can view a summary of credit limits (Gross/NET), transaction determinations, financial indicators, and commentary. By comparing the calculated NET credit limit against the actual transaction amount entered by the user, the app provides a baseline for determining whether to 'Approve,' 'Proceed with Caution,' or 'Reject.' The value of this service lies in its ability to go beyond mere numerical display and address the practical business question of whether to proceed with a transaction.

Compare with self-selected peer companies By uploading financial statement PDFs of companies chosen by the user—such as competitors or industry peers—users can compare NRPD, financial indicators, and NCRI (Cash Rich Index) side-by-side with the target company. This visualizes relative strengths and weaknesses that are difficult to see in a standalone evaluation, increasing the level of confidence in decision-making.

Preventing 'blind acceptance' through reliability checks and readable commentary The app compares financial data across multiple periods and displays alerts based on seven criteria, including discrepancies between sales and accounts receivable, rapid increases in accounts receivable relative to net income, sudden asset inflation, rapid increases in inventory ratios, and surges in short-term debt. This allows users to check for anomalies in the financial figures that form the basis of credit decisions. Furthermore, commentary is organized into seven categories—financial summary, benchmark comparison, NRPD calculation basis, fraud risk interpretation, NCRI, credit limit rationale, and transaction determination—supplementing the numbers with written context and points of caution. The design is intended to help users make decisions based on comparisons and context rather than taking the results at face value.

Additionally, the company has adopted a policy of not storing PDF data on its servers, prioritizing a design that is easy to implement even for operations handling highly confidential financial information.

President Hiroyuki Nakamura commented: '"I'm too busy to read financial statements." "I don't understand overseas corporate investigation reports, so I only look at the rating." Simply providing information does not lead to decisions. I created this app with the desire to support corporate decision-making by helping to instantly clarify the basis for judgment based on the financial documents at hand. I hope you will use it to assist in your daily credit decisions.'

To mark the launch, a free trial for 14 days (up to 5 uses) is available. You can start using it simply by entering your email address.

[Service Overview] Service Name: NRPD Web App Launch Date: April 1, 2026 Target Audience: Corporate users Key Features: Financial analysis, comparative analysis, credit limit calculation, transaction determination, 7-category commentary, multi-period alerts, PDF report output Data Management: PDF data is not stored on servers Trial: 14 days, 5 uses, free Price: Spot plan from ¥4,400/use (monthly plans available) Inquiries: nrpd-app@nrating.jp Product URL: https://nrpd.nrating.jp/ Product Introduction Page URL: https://www.nrating.jp/nrpd-web-app/