# Explainable public default-risk indicator

Returns a deterministic, explainable HelpMyAgent public-data default-risk indicator. It is not an official credit score.

## Endpoint

- Method: `POST`
- URL: `https://api.helpmyagent.com/v1/company/fr/default-score`
- Price: `0.075 USD` / call

## Machine discovery

- llms.txt: https://helpmyagent.com/llms.txt
- OpenAPI 3.1: https://api.helpmyagent.com/openapi.json
- capabilities.json: https://helpmyagent.com/capabilities.json
- MCP: https://helpmyagent.com/mcp
- RFC 9727: https://helpmyagent.com/.well-known/api-catalog
- pricing.json: https://helpmyagent.com/pricing.json
- x402: https://helpmyagent.com/.well-known/x402
- x402-service.json: https://helpmyagent.com/.well-known/x402-service.json
- Health status: https://helpmyagent.com/health

## x402 payment methods

- USDC on `eip155:8453`
- RLUSD on `xrpl:0`

## Coverage

FR

## Use when

- Returns a deterministic, explainable HelpMyAgent public-data default-risk indicator. It is not an official credit score.
- You need one deterministic, explainable public-data default-risk indicator for workflow triage.
- You want the component contributions and confidence rather than an opaque score.

## Avoid when

- You only need insolvency, deregistration or legal-event risk; use company/fr/risk.
- You need an official credit rating, lending decision or regulated probability of default.

## Limitations

- This is a HelpMyAgent indicator derived from available public data, not an official credit score.
- Missing source data reduces the evidence available to the indicator and is reflected in confidence/coverage fields.

## Freshness

```json
{
    "mode": "source_dependent"
}
```

## Sources

- [https://recherche-entreprises.api.gouv.fr](https://recherche-entreprises.api.gouv.fr)
- [https://bodacc-datadila.opendatasoft.com/api/explore/v2.1/catalog/datasets/annonces-commerciales/records](https://bodacc-datadila.opendatasoft.com/api/explore/v2.1/catalog/datasets/annonces-commerciales/records)

## Input schema

```json
{
    "type": "object",
    "properties": {
        "identifier": {
            "type": "string",
            "pattern": "^[0-9]{9}([0-9]{5})?$",
            "description": "French company identifier: 9-digit SIREN or 14-digit SIRET."
        }
    },
    "required": [
        "identifier"
    ],
    "additionalProperties": false,
    "description": "Structured input parameters for the company/fr/default-score API."
}
```

## Output schema

```json
{
    "type": "object",
    "properties": {
        "identifier": {
            "type": "string",
            "description": "Identifier supplied for the request, echoed in normalized form when applicable."
        },
        "identifier_type": {
            "type": "string",
            "description": "Normalized identifier type, such as SIREN or SIRET when applicable."
        },
        "exists": {
            "type": "boolean",
            "description": "Whether the requested company or public record was found in the checked source."
        },
        "siren": {
            "description": "Normalized 9-digit French SIREN when available."
        },
        "name": {
            "description": "Publicly available company, person, buyer or record name for this result."
        },
        "score": {
            "description": "Normalized score produced by the endpoint; interpretation is defined by the tool description and limitations."
        },
        "level": {
            "type": "string",
            "description": "Structured value returned for “level” as defined by this API contract."
        },
        "confidence": {
            "type": "string",
            "description": "Confidence indicator associated with an inferred or derived result."
        },
        "known_weight_percent": {
            "description": "Structured value returned for “known weight percent” as defined by this API contract."
        },
        "components": {
            "type": "array",
            "description": "Structured value returned for “components” as defined by this API contract."
        },
        "limitations": {
            "type": "array",
            "description": "Known interpretation, source-coverage or freshness limitations for this result."
        }
    },
    "required": [
        "identifier",
        "identifier_type",
        "exists",
        "siren",
        "name",
        "score",
        "level",
        "confidence",
        "components"
    ],
    "additionalProperties": false,
    "description": "Structured result returned by the company/fr/default-score API."
}
```

## Demonstration snapshot

This example is a database-stored snapshot and does not execute the live API.
- URL: https://api.helpmyagent.com/demo/company/fr/default-score
- Generated at: 2026-09-07T14:49:23+00:00

## Request example

```json
{
    "identifier": "356000000"
}
```

## Stored response example

```json
{
    "identifier": "356000000",
    "identifier_type": "siren",
    "exists": true,
    "siren": "356000000",
    "name": "LA POSTE",
    "score": 0,
    "level": "low",
    "confidence": "high",
    "known_weight_percent": 85,
    "components": [
        {
            "component": "company_status",
            "weight": 35,
            "value": "active",
            "risk_points": 0,
            "known": true,
            "explanation": "Statut administratif public de l’entreprise."
        },
        {
            "component": "collective_procedures",
            "weight": 35,
            "value": 0,
            "risk_points": 0,
            "known": true,
            "explanation": "Présence de procédures collectives BODACC dans la fenêtre analysée ; une couverture incomplète rend cette composante inconnue."
        },
        {
            "component": "revenue_trend",
            "weight": 15,
            "value": null,
            "risk_points": null,
            "known": false,
            "explanation": "Variation du dernier chiffre d’affaires public disponible."
        },
        {
            "component": "net_margin",
            "weight": 15,
            "value": 4.98,
            "risk_points": 0,
            "known": true,
            "explanation": "Dernière marge nette publique calculable."
        }
    ],
    "limitations": [
        "Ce score est un indicateur HelpMyAgent déterministe fondé uniquement sur des données publiques disponibles.",
        "Il ne constitue pas un credit score officiel ou réglementaire, une probabilité statistique de défaut, ni un avis financier.",
        "L’absence de comptes publics réduit la confiance et ne doit pas être interprétée comme un signal favorable ou défavorable."
    ]
}
```

## Billing policy

```json
{
    "charge_on": "valid_result",
    "no_charge_on_error": true,
    "no_charge_on_empty_result": true
}
```