Le service MONITORING CREDIT SCORING TOP permet de surveiller dans le temps environ 180 champs d’information relatifs aux entreprises enregistrées auprès de la Chambre de Commerce italienne, en détectant les variations des données économiques, financières et de scoring.
Lors de l’activation, le système effectue un premier contrôle complet pendant la nuit suivant la création du monitoring, en collectant toutes les données disponibles concernant l’entreprise. Par la suite, des contrôles automatiques sont réalisés avec une fréquence hebdomadaire (tous les 7 jours), toujours pendant la nuit, en comparant les données mises à jour avec l’historique précédent afin d’identifier toute variation dans les champs surveillés.
La configuration d’un callback est facultative. Si elle est activée, le système enverra automatiquement une notification chaque fois qu’une variation sera détectée, permettant ainsi de recevoir des mises à jour en temps réel sans effectuer de contrôles manuels.
Le monitoring a une durée de 12 mois.
- Si autorenew = false, le service prendra automatiquement fin à l’expiration ;
- Si autorenew = true, le monitoring sera renouvelé automatiquement, à condition qu’un crédit suffisant soit disponible.
Une solution idéale pour les logiciels de gestion, les plateformes fintech et les entreprises ayant besoin de surveiller dans le temps la solvabilité de leurs clients, fournisseurs et partenaires commerciaux. Particulièrement utile pour les activités de credit management, les processus d’onboarding, l’analyse des risques et les systèmes automatiques d’alerte et de conformité.
EXEMPLE DE REQUÊTE
POST /IT-creditscore-top-monitor
Cet endpoint permet de créer une nouvelle demande de monitoring sur une entreprise.
Par défaut, le système surveille tous les champs disponibles. Il est également possible de configurer le monitoring en sélectionnant :
- des champs individuels ou des éléments spécifiques de l’objet ;
- des groupes complets de champs (objets), afin de surveiller les variations liées à une section spécifique des données.
Les champs nécessaires pour effectuer la requête sont :
- Numéro de TVA ;
- Code fiscal ;
- ID entreprise (company).
{
"code": "12485671007",
"monitoredFields": [
"credit_check"
],
"callback": {
"url": "https://webhook.site/f24cec85-22e3-4f7c-8ec0-227b240daa42"
}
}
EXEMPLE DE RÉPONSE
POST /IT-creditscore-top-monitor
{
"data": {
"code": "12485671007",
"monitoredFields": [
"credit_cehck"
],
"callback": {
"method": "JSON",
"url": "https://webhook.site/28a4dddf-eca1-47f2-88d8-94878995e4d8",
"user_id": "",
"username": "",
"field": "data",
"headers": {},
"data": {},
"retry": 0,
"scope": null,
"domain": null,
"custom": null
},
"owner": "[email protected]",
"createdOn": "2026-02-03",
"companyId": "60d1bfc731177b0a092cdfc1",
"vatCode": "12485671007",
"taxCode": "12485671007",
"companyName": "OPENAPI S.P.A.",
"updatedFields": null,
"latestDataset": null,
"previousDataset": null,
"checkedOn": null,
"nextOn": "2026-03-05",
"expiresOn": "2027-02-03",
"autorenew": true,
"id": "6981e3571a222556460af532"
},
"success": true,
"message": "",
"error": null
}
EXEMPLE DE REQUÊTE SPÉCIFIQUE
GET/IT-creditscore-top-monitor/{id}
Endpoint qui retourne la demande identifiée par l’identifiant passé dans le chemin.
{
"data": {
"code": "12485671007",
"callback": {
"method": "JSON",
"url": "https://webhook.site/893d9097-c336-4ca6-a498-8fcf69f5e7ce",
"user_id": "",
"username": "",
"field": "data",
"headers": {},
"data": {},
"retry": 0,
"scope": null,
"domain": null,
"custom": null
},
"monitoredFields": [
"all"
],
"owner": "[email protected]",
"createdOn": "2026-04-22",
"companyId": "60d1bfc731177b0a092cdfc1",
"vatCode": "12485671007",
"taxCode": "12485671007",
"companyName": "OPENAPI S.P.A.",
"updatedFields": {
"consolidated_financial_statements": [],
"financial_details": {
"alerts": {
"directors_analysis_suggested": false,
"has_directors_with_crisis_position": false,
"has_restricted_shares": false,
"shareholders_analysis_suggested": false
},
"anomalies": [],
"balance": [
{
"assets_building": 342723,
"capitalization_index": 37.873,
"current_result": 355250,
"gross_operating_result": 426469,
"liability_consolidated": 82787,
"liability_current": 612046,
"liquidity": 1.267,
"net_profitablity_of_sales": 9.171,
"operating_income": 356098,
"result_before_taxes": 355250,
"result_for_the_year": 338315,
"revenues_from_sales_services": 3671995,
"sales": 3688818,
"share_capital": 423570,
"total_assets": 1118403,
"total_debt_ebitda_ratio": 1.266,
"total_other_income_revenues": 16823,
"total_value_of_production": 3688818,
"value_added": 1043897,
"working_capital": 775680,
"balance_check": "OK",
"balance_check_details": "bilancio corretto",
"balance_closed_at": "2024-12-31",
"tax_identifier": "12485671007",
"year": "2024"
},
],
"credit_check": {
"seller_invoice_check": "Verde",
"seller_invoice_check_public": Valutabile",
"seller_invoice_check_public_description": "L'azienda risulta valutabile. E' possibile proporre la controparte ed il gruppo di appartenenza per un'analisi completa dei nostri analisti e, qualora le verifiche diano esito positivo, sottoporla agli Investitori, che di volta in volta decideranno in autonomia se acquistare o meno il credito.",
"seller_invoice_check_raw": "B2",
"short_invoice_check": true,
"balance_year": "2024",
"in_review": false,
"last_update_at": "2025-07-22",
"operational_credit_limit": 59000,
"operational_credit_limit_trend_description": "stabile",
"operational_credit_limit_trend_value": 0,
"period": "",
"rating": "B2",
"risk_score": "VERDE",
"risk_score_description": "inferiore alla media",
"tax_identifier": "12485671007"
},
"group": {
"address_city": "ROMA",
"address_region": "Lazio",
"adress_postal_code": "00143",
"adress_province": "RM",
"main_industry": "K01",
"ateco2007": "642100",
"group_tax_identifier": "16935371001",
"legal_form": "SR",
"organization_name": "OPEN HOLDING S.R.L.",
"organization_status": "REGISTRATA",
"tax_identifier": "12485671007",
"vat_identifier": "16935371001"
},
"insolvency_procedures": null,
"negativities": {
"bankruptcy_proceeding_date": null,
"first_protest_date": null,
"has_bankruptcy_proceedings": false,
"has_bankruptcy_proceedings_on_manager": false,
"has_foreclosures": false,
"has_insolvency_procedures": false,
"has_past_events": false,
"has_past_insolvency_procedures": false,
"has_protests": false,
"has_protests_on_manager": false,
"insolvency_procedure_date": null,
"insolvency_procedure_type": "",
"last_protest_date": null,
"past_insolvency_procedure_description": "",
"protests_number": 0,
"tax_identifier": "12485671007",
"vat_identifier": "12485671007"
},
"note": null,
"registry": {
"activity_start_date": "2013-10-20",
"address_city": "ROMA",
"address_city_code": "058091",
"address_postal_code": "00143",
"address_province": "RM",
"address_region": "Lazio",
"main_industry": "J05",
"main_industry_description": "Informatica: software, consulenza e servizi",
"nace2": "",
"ateco2007": "621000",
"ateco_description": "Attività di programmazione informatica",
"company_constitution_year": "",
"company_status": "REGISTRATA",
"employees_number": 15,
"inserted_at": "2026-03-19",
"is_ateco2025": true,
"last_update_at": "2026-04-07",
"legal_form": "SP",
"legal_form_description": "società per azioni",
"legal_form_type": "CA",
"macro_area": "",
"organization_address": "VLE F TOMMASO MARINETTI, 221",
"organization_name": "OPENAPI S.P.A.",
"organization_ufficial_code": "RM1378273",
"pec_email_address": "[email protected]",
"rea_inscription_date": "2013-07-19",
"registration_date": "2013-07-19",
"split_payment_insert_date": null,
"split_payment_list": null,
"tax_identifier": "12485671007",
"vat_identifier": "12485671007",
"web_site": "https://openapi.it/"
}
},
"financial_report": [
{
"balance_check": "OK",
"balance_check_details": "bilancio corretto",
"balance_closed_at": "2024-12-31",
"balance_sheet": [
{
"group_composition_index": 20.7,
"group": "SP",
"group_value": 231528,
"label": "Immobilizzazioni materiali"
}
],
"balance_sheet_mcc": [
{
"group_composition_index": 0,
"group": "SPMCC",
"group_value": 0,
"label": "Crediti verso soci per versamenti ancora dovuti"
}
],
"balance_year": "2024",
"finance_details": [
{
"group_composition_index": 96.22,
"group": "SP",
"group_value": 384210,
"label": "Autofinanziamento"
}
],
"financial_index": [
{
"group_composition_index": 0,
"group": "IND1",
"group_value": 163634,
"label": "Capitale Circolante Netto"
}
],
"month_period": 12,
"profile_and_loss_account": [
{
"group_composition_index": 99.54,
"group": "CE",
"group_value": 3671995,
"label": "RICAVI VENDITE E PRESTAZIONI"
}
],
"profile_and_loss_account_mcc": [
{
"group_composition_index": 0,
"group": "CEMCC",
"group_value": 45895,
"label": "Totale ammortamenti e svalutazioni"
}
],
"tax_identifier": "12485671007"
},
{
"balance_check": "OK",
"balance_check_details": "bilancio corretto",
"balance_closed_at": "2023-12-31",
"balance_sheet": [
{
"group_composition_index": 18.14,
"group": "SP",
"group_value": 233412,
"label": "Immobilizzazioni materiali"
}
],
"balance_sheet_mcc": [
{
"group_composition_index": 0,
"group": "SPMCC",
"group_value": 0,
"label": "Crediti verso soci per versamenti ancora dovuti"
}
],
"month_period": null,
"profile_and_loss_account": [
{
"group_composition_index": 99.37,
"group": "CE",
"group_value": 4043407,
"label": "RICAVI VENDITE E PRESTAZIONI"
}
],
"profile_and_loss_account_mcc": [
{
"group_composition_index": 0,
"group": "CEMCC",
"group_value": 42157,
"label": "Totale ammortamenti e svalutazioni"
}
],
"tax_identifier": "12485671007"
}
],
"group": {
"group_companies": [
{
"address_city": "ROMA",
"address_postal_code": "00143",
"address_province": "RM",
"address_region": "Lazio",
"total_debt_ebitda_ratio": 1.266,
"ateco2007": "621000",
"ateco_description": "Attività di programmazione informatica",
"company_status": "REGISTRATA",
"has_foreclosures": false,
"has_insolvency_procedures": false,
"has_protests": false,
"last_balance_year": "2024",
"legal_form": "SP",
"net_assets": 423570,
"net_profit_for_the_year": 338315,
"net_profits": 3671995,
"organization_address": "VLE F TOMMASO MARINETTI, 221",
"organization_name": "OPENAPI S.P.A.",
"tax_identifier": "12485671007",
"vat_identifier": "12485671007"
}
],
"group_leader": {
"address_city": "ROMA",
"address_postal_code": "00143",
"address_province": "RM",
"address_region": "Lazio",
"total_debt_ebitda_ratio": 0,
"ateco2007": "642100",
"ateco_description": "Attività delle società di partecipazione (holding)",
"company_status": "REGISTRATA",
"has_foreclosures": false,
"has_insolvency_procedures": false,
"has_protests": false,
"last_balance_year": "2024",
"legal_form": "SR",
"net_assets": 312324,
"net_profit_for_the_year": -7468,
"net_profits": 0,
"organization_address": "VLE F TOMMASO MARINETTI, 221",
"organization_name": "OPEN HOLDING S.R.L.",
"tax_identifier": "16935371001",
"vat_identifier": "16935371001"
}
},
"history": {
"history": [
{
"address": null,
"ateco2007": null,
"ateco_description": null,
"last_validity_date": "20211020",
"legalform": null,
"legalform_type": null,
"locality": null,
"name": "ALTRAVIA SERVIZI SOCIETA A RESPONSABILITA LIMITATA",
"pec": null,
"province": null,
"rea": null,
"sector": null,
"status": null,
"type": "name",
"zipcode": null
}
],
"note": {
"description": "Durante questo periodo sono emersi degli eventi che hanno influenzato la valutazione, tra questi ricordiamo:",
"events": [
"Nuovo bilancio"
]
},
"operational_credit_limit": [
{
"month": "2025-05",
"value": 5000
}
],
"public_rating": [
{
"balance_year": "2023",
"month": "2025-05",
"rating": "C1"
}
],
"risk_score": [
{
"description": "superiore alla media",
"month": "2025-05",
"score": "GIALLO"
}
]
},
"industry_analysis": {
"count_by_region": {
"active_count": 12737,
"cancelled_count": 713,
"cancelled_count_month": 146,
"high_risk_count": 1684,
"new_count": 927,
"new_count_month": 50
},
"count_by_sector": {
"active_count": 100306,
"cancelled_count": 6185,
"cancelled_count_month": 1395,
"high_risk_count": 10008,
"new_count": 7603,
"new_count_month": 503
},
"region": "Lazio",
"risk_indicators_by_industry": [
{
"risk_indicator": "GIALLO",
"total": 11114
}
],
"sector": "J05",
"total_by_sector": 173182,
"total_registered": 9758706
},
"organization_name": "OPENAPI S.P.A.",
"risk_locator": {
"subjects": [
{
"address_city": "ROMA",
"address_postal_code": "00143",
"address_province": "RM",
"ateco": "741401",
"ateco_description": "Attività di progettazione specializzata fornite da disegnatori tecnici",
"balance_year": null,
"group_name": null,
"legal_form": "società in accomandita semplice",
"organization_address": "VLE F TOMMASO MARINETTI, 221",
"organization_name": "GT GLOBAL SERVICES S.A.S. DI GIONA ANTONY",
"organization_status": "CANCELLATA",
"tax_identifier": "13831401008"
}
],
"tax_identifier": "12485671007"
},
"sectorization_report": [
{
"main_industry": "Informatica: software, consulenza e servizi",
"main_industry_code": "J05",
"positions": [
{
"industry_index": "AFATT",
"industry_index_profile": null,
"industry_order_position": "CR",
"industry_position": "Q5",
"industry_position_color": "5",
"industry_position_color_total": "5",
"industry_position_description": "Fatturato",
"industry_position_last_year_trend": 0.06863,
"industry_position_total": "Q5",
"industry_position_type": "VAL",
"value": 3688818
}
],
"positions_count": 18157,
"profiles": [
{
"name": Equilibrio Patrimoniale",
"note": null,
"score": 2,
"score_description": "aspetti di criticità",
"trend": "in lieve miglioramento"
}
],
"credit_check": {
"seller_invoice_check": "Verde",
"seller_invoice_check_public": Valutabile",
"seller_invoice_check_public_description": "L'azienda risulta valutabile. E' possibile proporre la controparte ed il gruppo di appartenenza per un'analisi completa dei nostri analisti e, qualora le verifiche diano esito positivo, sottoporla agli Investitori, che di volta in volta decideranno in autonomia se acquistare o meno il credito.",
"seller_invoice_check_raw": "B2",
"short_invoice_check": true,
"balance_year": "2024",
"in_review": false,
"last_update_at": "2025-07-22",
"operational_credit_limit": 59000,
"operational_credit_limit_trend_description": "stabile",
"operational_credit_limit_trend_value": 0,
"period": "",
"rating": "B2",
"risk_score": "VERDE",
"risk_score_description": "inferiore alla media",
"tax_identifier": "12485671007"
},
"last_balance_year": "2024",
"note": null,
"positions": {
"main_industry": "Informatica: software, consulenza e servizi",
"main_industry_code": "J05",
"positions": [
{
"industry_index": "AFATT",
"industry_index_profile": null,
"industry_order_position": "CR",
"industry_position": "Q5",
"industry_position_color": "5",
"industry_position_color_total": "5",
"industry_position_description": "Fatturato",
"industry_position_last_year_trend": 0.06863,
"industry_position_total": "Q5",
"industry_position_type": "VAL",
"value": 3688818
}
],
"positions_count": 18157,
"tax_identifier": "12485671007",
"year": "2024"
},
"profiles": {
"main_industry": "Informatica: software, consulenza e servizi",
"main_industry_code": "J05",
"positions_count": 18157,
"profiles": [
{
"name": "Equilibrio Patrimoniale",
"note": null,
"score": 2,
"score_description": "aspetti di criticità",
"trend": "in lieve miglioramento"
}
],
"tax_identifier": "12485671007",
"year": "2024"
}
},
"latestDataset": {
"consolidated_financial_statements": [],
"financial_details": {
"alerts": {
"directors_analysis_suggested": false,
"has_directors_with_crisis_position": false,
"has_restricted_shares": false,
"shareholders_analysis_suggested": false
},
"anomalies": [],
"balance": [
{
"assets_building": 342723,
"capitalization_index": 37.873,
"current_result": 355250,
"gross_operating_result": 426469,
"liability_consolidated": 82787,
"liability_current": 612046,
"liquidity": 1.267,
"net_profitablity_of_sales": 9.171,
"operating_income": 356098,
"result_before_taxes": 355250,
"result_for_the_year": 338315,
"revenues_from_sales_services": 3671995,
"sales": 3688818,
"share_capital": 423570,
"total_assets": 1118403,
"total_debt_ebitda_ratio": 1.266,
"total_other_income_revenues": 16823,
"total_value_of_production": 3688818,
"value_added": 1043897,
"working_capital": 775680,
"balance_check": "OK",
"balance_check_details": "bilancio corretto",
"balance_closed_at": "2024-12-31",
"tax_identifier": "12485671007",
"year": "2024"
}
],
"credit_check": {
"seller_invoice_check": "Verde",
"seller_invoice_check_public": Valutabile",
"seller_invoice_check_public_description": "L'azienda risulta valutabile. E' possibile proporre la controparte ed il gruppo di appartenenza per un'analisi completa dei nostri analisti e, qualora le verifiche diano esito positivo, sottoporla agli Investitori, che di volta in volta decideranno in autonomia se acquistare o meno il credito.",
"seller_invoice_check_raw": "B2",
"short_invoice_check": true,
"balance_year": "2024",
"in_review": false,
"last_update_at": "2025-07-22",
"operational_credit_limit": 59000,
"operational_credit_limit_trend_description": "stabile",
"operational_credit_limit_trend_value": 0,
"period": "",
"rating": "B2",
"risk_score": "VERDE",
"risk_score_description": "inferiore alla media",
"tax_identifier": "12485671007"
},
"group": {
"address_city": "ROMA",
"address_region": "Lazio",
"adress_postal_code": "00143",
"adress_province": "RM",
"main_industry": "K01",
"ateco2007": "642100",
"group_tax_identifier": "16935371001",
"legal_form": "SR",
"organization_name": "OPEN HOLDING S.R.L.",
"organization_status": "REGISTRATA",
"tax_identifier": "12485671007",
"vat_identifier": "16935371001"
},
"insolvency_procedures": null,
"negativities": {
"bankruptcy_proceeding_date": null,
"first_protest_date": null,
"has_bankruptcy_proceedings": false,
"has_bankruptcy_proceedings_on_manager": false,
"has_foreclosures": false,
"has_insolvency_procedures": false,
"has_past_events": false,
"has_past_insolvency_procedures": false,
"has_protests": false,
"has_protests_on_manager": false,
"insolvency_procedure_date": null,
"insolvency_procedure_type": "",
"last_protest_date": null,
"past_insolvency_procedure_description": "",
"protests_number": 0,
"tax_identifier": "12485671007",
"vat_identifier": "12485671007"
},
"note": null,
"registry": {
"activity_start_date": "2013-10-20",
"address_city": "ROMA",
"address_city_code": "058091",
"address_postal_code": "00143",
"address_province": "RM",
"address_region": "Lazio",
"main_industry": "J05",
"main_industry_description": "Informatica: software, consulenza e servizi",
"nace2": "",
"ateco2007": "621000",
"ateco_description": "Attività di programmazione informatica",
"company_constitution_year": "",
"company_status": "REGISTRATA",
"employees_number": 15,
"inserted_at": "2026-03-19",
"is_ateco2025": true,
"last_update_at": "2026-04-07",
"legal_form": "SP",
"legal_form_description": "società per azioni",
"legal_form_type": "CA",
"macro_area": "",
"organization_address": "VLE F TOMMASO MARINETTI, 221",
"organization_name": "OPENAPI S.P.A.",
"organization_ufficial_code": "RM1378273",
"pec_email_address": "[email protected]",
"rea_inscription_date": "2013-07-19",
"registration_date": "2013-07-19",
"split_payment_insert_date": null,
"split_payment_list": null,
"tax_identifier": "12485671007",
"vat_identifier": "12485671007",
"web_site": "https://openapi.it/"
}
},
"financial_report": [
{
"balance_check": "OK",
"balance_check_details": "bilancio corretto",
"balance_closed_at": "2024-12-31",
"balance_sheet": [
{
"group_composition_index": 20.7,
"group": "SP",
"group_value": 231528,
"label": "Immobilizzazioni materiali"
}
],
"balance_sheet_mcc": [
{
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],
"positions_count": 18157,
"tax_identifier": "12485671007",
"year": "2024"
},
"profiles": {
"main_industry": "Informatica: software, consulenza e servizi",
"main_industry_code": "J05",
"positions_count": 18157,
"profiles": [
{
"name": "Equilibrio Patrimoniale",
"note": null,
"score": 2,
"score_description": "aspetti di criticità",
"trend": "in lieve miglioramento"
}
],
"tax_identifier": "12485671007",
"year": "2024"
}
},
"checkedOn": "2026-04-22",
"nextOn": "2026-05-22",
"expiresOn": "2027-04-22",
"autorenew": true,
"id": "69e8d93f47796312fc0fcf6e"
},
"success": true,
"message": "",
"error": null
}
SUPPRIMER LA DEMANDE
Via l’endpoint DELETE/IT-creditscore-top-monitor/{id}, il est possible de supprimer le monitoring du credit score associé à une entreprise spécifique. La requête permet d’interrompre le monitoring automatique lié à l’entreprise identifiée par le paramètre id. Une fois l’opération terminée, le système n’effectuera plus de mises à jour ni de notifications liées au monitoring du credit score pour la ressource indiquée.
L’endpoint retourne une réponse confirmant la suppression du monitoring demandé. En cas de succès, le champ success est défini à true et le message de réponse indique le nombre de monitorings supprimés.
{
"data": [],
"success": true,
"message": "1 deleted monitor",
"error": null
}
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MONITORING CREDIT SCORING TOP est le service qui permet de suivre dans le temps les variations du credit scoring et des principales informations d’entreprise relatives aux sociétés italiennes enregistrées auprès de la Chambre de Commerce. Le service permet de surveiller la fiabilité des entreprises et de recevoir des mises à jour automatiques en cas de modifications importantes, facilitant ainsi les activités d’évaluation des risques, d’onboarding clients et de contrôle des partenaires commerciaux.
Le service de surveillance a une durée standard d’un an.
- Si le paramètre autorenew est défini sur false, la surveillance prend automatiquement fin après un an.
- Si le paramètre autorenew est défini sur true, le service est renouvelé automatiquement à l’échéance, sous réserve de crédit suffisant sur le compte.
Oui. Il suffit de définir le paramètre autorenew sur false lors de l’activation ou pendant la gestion de la surveillance. Dans ce cas, le service restera actif jusqu’à son échéance annuelle naturelle sans renouvellement.
Non. Grâce à la callback, le système envoie des notifications proactives en cas de mises à jour, éliminant la nécessité de vérifier manuellement l’état ou les résultats de la surveillance.
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