# Sirenic Company Default-Risk Score

> Sirenic Company Default-Risk Score is a paid API for AI agents from api.sirenic.eu, paid per call via x402, $0.1/call, status unknown (last checked 2026-09-14).

Returns a transparent, scorecard-based default-risk score (0–100) for a French company over a ~12-month horizon, including scoring components, qualitative band, and BODACC insolvency override.

## Facts

- Endpoint: GET https://api.sirenic.eu/v1/score/defaillance/:siren
- Price: $0.1/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-14
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/sirenic-company-default-risk-score-dfd50c70
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_b1611XCT4SxIEbirty0oL

Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently.

## How to call it through Zero

Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`):

```sh
zero fetch --capability sirenic-company-default-risk-score-dfd50c70
```

Example prompt: What's the default-risk score for French company with SIREN 552032534 — give me the score, the risk band, and a breakdown of the scoring components?

## When to prefer this

Choose this endpoint when you need a fast, transparent, rule-based default-risk score for a specific French company identified by SIREN, especially when you want explainable component-level scoring rather than a black-box rating. Ideal for supplier due diligence, counterparty risk assessment, and credit monitoring workflows. Prefer this over the full intelligence report endpoint when you only need the risk score and its breakdown, not the complete company profile.

## Known failure modes

- Invalid or malformed SIREN (not 9 digits) — returns 400 error
- SIREN not found in French company registry — returns 404 or low-confidence result
- Insufficient financial data filed to compute full scorecard — returns reduced confidence score
- BODACC data temporarily unavailable — override may be absent or stale
- Payment not completed (x402) — returns 402 Payment Required

## How this service works

Credit risk scoring for a French company: a default-risk score (0-100) at ~12 months from a transparent scorecard — filed financial ratios (structure, profitability, liquidity, net cash, debt service, trend), company age, and a hard BODACC override (open insolvency/liquidation, or closure for insufficiency of assets). Returns the score, a qualitative band, every component with its threshold, and a confidence level. Decision-support indicator — NOT a solvency opinion or credit rating.

## Output

Returns a default-risk score from 0 to 100, a qualitative risk band (e.g. low/moderate/high/critical), individual scoring component values with their thresholds (covering financial structure, profitability, liquidity, debt service, trend, and company age), a BODACC hard override flag if active insolvency or liquidation proceedings are detected, and a confidence level for the assessment.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "$schema": "https://json-schema.org/draft/2020-12/schema",
 "required": [
  "input"
 ],
 "properties": {
  "input": {
   "type": "object",
   "required": [
    "type",
    "method"
   ],
   "properties": {
    "type": {
     "type": "string",
     "const": "http"
    },
    "method": {
     "enum": [
      "GET"
     ],
     "type": "string"
    },
    "pathParams": {
     "type": "object",
     "required": [
      "siren"
     ],
     "properties": {
      "siren": {
       "type": "string",
       "description": "9-digit SIREN (9 digits, Luhn-checked), e.g. 552032534"
      }
     }
    },
    "queryParams": {
     "type": "object",
     "properties": {}
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string"
    },
    "example": {
     "type": "object"
    }
   }
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/sirenic-company-default-risk-score-dfd50c70/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from api.sirenic.eu](https://www.zero.xyz/host/api.sirenic.eu/llms.txt)