IGK Service SIA

Credit Reporting Application

XML Credit Report

Simple format description

Created: March 2007
Version: March 2013

Content

Overview
Identification, Previous Names
Trading Names
Address, LegalAddress, OtherAddresses
Contacts
Liquidation, Foundation, EventsHistory
RegistrationData, OtherRegistrations, RegistrationHistory
LegalForm, LegalFormHistory
Capital, CapitalHistory
Shareholders
ManagersSupervisoryBoard, ManagersExecutives, SignatureRight
ChangesInRegistrData
Activities
Employees, EmployeesHistory
Export, Import, ExportImport
AssetsImmovable, AssetsOther
Branches
Participation
Bankers
Clients
Suppliers
RelatedCompanies
Defaults
Debts
Pledges
FinancialData
CreditOpinion
Publications
Comments
FinancialStatements

Overview

Simple xml form of Credit Report reflects stored data structure. Most of content is generated from underlying database rows by direct outputting column values into corresponding xml elements.

The entire xml document is built using two types of xml elements: item and group.
Item element is a simple leaf-node containing a value produced from database column.
Group element is for combining elements - both items and groups - into some complex object.
Each element has a 'type' attribute which defines the element's content.

Despite of its data-oriented nature, the xml document still follows some logic of document-oriented Credit Report, i.e. all elements appear in specified order comprising correct meaning of entire document.

The document is devided into topics, each based on rows from one database table. However, this rule isn't correct for Summary topic, where many database tables are used to provide summary view of the company.

All topics have the following unified structure of elements:

    <group type="TopicIdentifier">
      <!-- topic comments, top -->
      <group type="TopicComments.Row" minOccurs="0" maxOccurs="unbounded"/>
      <!-- topic rows -->
      <group type="TopicIdentifier.Row" minOccurs="0" maxOccurs="unbounded"/>
      <!-- topic comments, bottom -->
      <group type="TopicComments.Row" minOccurs="0" maxOccurs="unbounded"/>
    </group>

Each topic row is presented by the unified structure of elements:

    <group type="TopicIdentifier.Row">
      <!-- row comments, top -->
      <group type="RowComments.Row" minOccurs="0" maxOccurs="unbounded"/>
      <!-- row items -->
      <item type="..." minOccurs="0" maxOccurs="unbounded"/>
      <!-- row comments, bottom -->
      <group type="RowComments.Row" minOccurs="0" maxOccurs="unbounded"/>
    </group>

Most of elements are optional, like they do in document-oriented report.
Numeric values may end with "[E]" string meaning "estimated".

XML Schema Definition for IGK Credit Report is available here.
For example(s) how to process XML report please see: https://online.igkservice.lv/docs/tech/.

XML-to-HTML transformation is available online. For viewing in html form, the following instruction should be placed in the beginning of xml report:

<?xml-stylesheet type="text/xsl" href="https://online.igkservice.lv/xsl/cr/credit_report.xsl"?>

Activities

The topic row contains item-elements of the following types:

Item type	Meaning	Value format	Example
row.timestamp	the row data 'as of' date	dd.mm.yyyy	01.01.2005
code	code from dictionary	char(4)	1021
description	description from dictionary	char(60)	Copper Ore Mining/Preparation
type	identifier of the dictionary	char(4)	SIC

Address, LegalAddress, OtherAddresses

The topics have rows with item-elements of the following types:

Item type	Meaning	Value format	Example
row.timestamp	the row data 'as of' date	dd.mm.yyyy	01.01.2005
row.cancelled	the row data cancelled date	dd.mm.yyyy	01.01.2005
is.row.cancelled.since	if the date means 'since' {true}	char(4)	true
type	description, as literal (*)	char(60)	office
name	name of the location	char(100)	Showroom
country	ISO 3166 code	char(2)	LV
city	name from dictionary	char(128)	Bergi, Riga region
zip	postal code	char(20)	LV1010
address	street and house number	char(100)	Vilandes 13-7

* Here and below: literal values are taken from dictionary with precision of 60.

AssetsImmovable, AssetsOther

The topics rows contain item-elements of the following types:

Item type	Meaning	Value format	Example
row.timestamp	the row data 'as of' date	dd.mm.yyyy	01.01.2005
ownership	description, as literal	char(60)	long-term rent
asset	classification from dictionary	char(130)	Other tools & equipment
description	description from dictionary	char(60)	Computer
is.in.progress	boolean indicator {true}	char(4)	true
quantity	if asset is a unit itself	num(12,2)	25.00
is.quantity.est	estimated-indicator {true}	char(4)	true
size/amnt	if asset is measured in units	num(12,2)	100.00
unit	unit for size/amnt	char(10)	sq.m
is.size/amnt.est	estimated-indicator {true}	char(4)	true
value	asset value in currency	num(12,2)	500.00
currency	currency for value	char(3)	LVL
is.value.est	estimated-indicator {true}	char(4)	true
name	name of the location	char(100)	Showroom
igkno	internal id	char(11)	088-927-831
addr.country	ISO 3166 code	char(2)	LV
addr.city	name from dictionary	char(128)	Ventspils
addr.zip	postal code	char(20)	LV1010
addr.address	street and house number	char(100)	Vilandes 13-7

Bankers

The topic row contains item-elements of the following types:

Item type	Meaning	Value format	Example
row.timestamp	the row data 'as of' date	dd.mm.yyyy	01.01.2005
name	name	char(200)	SPECIMEN BANK Inc.
igkno	internal id	char(11)	088-927-831
origin	registr. country, ISO 3166 code	char(2)	LV
regno	registr. code	char(50)	00012345
bankcode	bank identifier	char(50)	PARXLV22
accounts	account numbers	char(200)	LV54UNLA0050000999999
addr.country	ISO 3166 code	char(2)	LV
addr.city	name from dictionary	char(128)	Ventspils
addr.zip	postal code	char(20)	LV1010
addr.address	street and house number	char(100)	Vilandes 13-7

Branches

The topic row contains item-elements of the following types:

Item type	Meaning	Value format	Example
row.timestamp	the row data 'as of' date	dd.mm.yyyy	01.01.2005
is.presence	'any presence' indicator {true, false}	char(5)	false
type	description from dictionary	char(60)	Office
name	name	char(200)	SPECIMEN BANK Inc.
igkno	internal id	char(11)	088-927-831
addr.country	ISO 3166 code	char(2)	LV
addr.city	name from dictionary	char(128)	Ventspils
addr.zip	postal code	char(20)	LV1010
addr.address	street and house number	char(100)	Vilandes 13-7

Capital, CapitalHistory

The topic row contains item-elements of the following types:

Item type	Meaning	Value format	Example
row.timestamp	the row data 'as of' date	dd.mm.yyyy	01.01.2005
row.cancelled	the row data cancelled date	dd.mm.yyyy	01.01.2005
is.row.cancelled.since	if the date means 'since' {true}	char(4)	true
date	the value started date	dd.mm.yyyy	01.01.2001
type	description, as literal {registered, paid, called}	char(60)	paid
value	capital value in currency	num(10)	50 000
currency	currency for value	char(3)	LVL
is.value.est	estimated-indicator {true}	char(4)	true

Clients

The topic row contains item-elements of the following types:

Item type	Meaning	Value format	Example
row.timestamp	the row data 'as of' date	dd.mm.yyyy	01.01.2005
name	name	char(200)	SPECIMEN BANK Inc.
igkno	internal id	char(11)	088-927-831
origin	registr. country, ISO 3166 code	char(2)	LV
regno	registr. code	char(50)	00012345
addr.country	ISO 3166 code	char(2)	LV
addr.city	name from dictionary	char(128)	Ventspils
addr.zip	postal code	char(20)	LV1010
addr.address	street and house number	char(100)	Vilandes 13-7

Comments

The topic and row comment contains item-elements of the following types:

Item type	Meaning	Value format
text	textual comment	char(68k)

Contacts

The topic row contains item-elements of the following types:

Item type	Meaning	Value format	Example
row.timestamp	the row data 'as of' date	dd.mm.yyyy	01.01.2005
contact	code from dictionary	char(6)	TEL
prefix	for the value	char(10)	371
value	value	char(100)	7323450

CreditOpinion

The topic row contains item-elements of the following types:

Item type	Meaning	Value format	Example
date	date of credit opinion	dd.mm.yyyy	01.01.2001
rating	code from dictionary	char(6)	A
description	description from dictionary	char(100)	Low risk. Secured business on uptrend.
amount	credit amount in currency	num(10)	50 000
currency	currency for amount	char(3)	LVL
is.maximum	maximum-indicator {true}	char(4)	true
comments	comment to amount	char(4k)	Any amount of credit must be fully secured.
conclusion	conclusion	char(4k)	Business relations may be established.

Defaults

The topic row contains item-elements of the following types:

Item type	Meaning	Value format	Example
row.timestamp	the row data 'as of' date	dd.mm.yyyy	01.01.2005
row.cancelled	the row data cancelled date	dd.mm.yyyy	01.01.2005
is.row.cancelled.since	if the date means 'since' {true}	char(4)	true
is.presence	'any presence' indicator {true, false}	char(5)	false
date	date of default	dd.mm.yyyy	01.01.2001
cause	cause from dictionary	char(60)	Unreturned Loan
status	status from dictionary	char(60)	Dismissed
amount	default amount in currency	num(10)	50 000
currency	currency for amount	char(3)	LVL
is.amount.est	estimated-indicator {true}	char(4)	true
claimant	name	char(200)	SPECIMEN BANK Inc.
type	literal {company, person}	char(10)	company
gender	literal {male, female}	char(10)	female
igkno	internal id	char(11)	088-927-831
origin	registr. country, ISO 3166 code	char(2)	LV
regno	registr. or personal code	char(50)	00012345
addr.country	ISO 3166 code	char(2)	LV
addr.city	name from dictionary	char(128)	Ventspils
addr.zip	postal code	char(20)	LV1010
addr.address	street and house number	char(100)	Vilandes 13-7

Employees, EmployeesHistory

The topics rows contain item-elements of the following types:

Item type	Meaning	Value format	Example
row.timestamp	the row data 'as of' date	dd.mm.yyyy	01.01.2005
is.estimated	estimated-indicator {true}	char(4)	true
number	number of employees	num(6)	31
range	range, as literal	char(60)	D: 20-49

FinancialData

The topic row contains item-elements of the following types:

Item type	Meaning	Value format	Example
appl.attrs	row attributes, including: v2 - indicator of extended extract set {true,false}	no-value
revision	date of the data	dd.mm.yyyy	01.01.2001
months	length of revision period	num(2)	12
currency	currency of the data	char(3)	LVL
degree	10-base power of the data {3,6}	num(1)	3
is.consolidated	indicator {true,false}	char(5)	false
is.comments	indicator	no-value
Basic extract set of items (v2="false")
non-current assets	financial statement	[E] num(12,2)	[E] 123 45.00
fixed assets	.	.	.
financial assets	.	.	.
current assets	.	.	.
stock	.	.	.
debtors	.	.	.
cash	.	.	.
assets total	.	.	.
equity	.	.	.
share capital	.	.	.
liabilities total	.	.	.
long-term liabs	.	.	.
short-term liabs	.	.	.
equity+liabs total	.	.	.
net sales	.	.	.
cost of goods sold	.	.	.
operating profit	.	.	.
profit before tax	.	.	.
net profit	.	.	.
Extended extract set of items (v2="true")
intangible assets	financial statement	[E] num(12,2)	[E] 123 45.00
fixed assets	.	.	.
tangible assets	.	.	.
financial assets	.	.	.
other non-current assets	.	.	.
non-current assets total	.	.	.
stock	.	.	.
debtors	.	.	.
other receivables	.	.	.
short-term investments	.	.	.
cash	.	.	.
other current assets	.	.	.
current assets total	.	.	.
assets total	.	.	.
share capital	.	.	.
additional capital	.	.	.
other capital	.	.	.
reserve capital	.	.	.
retained earnings	.	.	.
equity total	.	.	.
provisions	.	.	.
long-t loans and credits	.	.	.
long-t amounts to banks	.	.	.
long-t liabs other	.	.	.
long-term liabs total	.	.	.
short-t loans and credits	.	.	.
short-t amounts to banks	.	.	.
short-t creditors	.	.	.
short-t trade debts	.	.	.
short-t accrued payroll	.	.	.
short-t amounts to state	.	.	.
short-t other creditors	.	.	.
short-t advances received	.	.	.
short-t divids in arrears	.	.	.
short-t deferred	.	.	.
short-t liabs other	.	.	.
short-term liabs total	.	.	.
liabilities total	.	.	.
equity+liabs total	.	.	.
net sales	.	.	.
cost of goods sold	.	.	.
gross profit	.	.	.
distribution costs	.	.	.
administrative costs	.	.	.
profit on sales	.	.	.
interest receivable	.	.	.
interest payable	.	.	.
participating interests	.	.	.
other operating income	.	.	.
other operating charges	.	.	.
operating profit	.	.	.
investment result	.	.	.
profit before tax	.	.	.
income-tax payments	.	.	.
profit, ordinary activity	.	.	.
extraordinary result	.	.	.
net profit	.	.	.
Ratios, common for all extract versions
r: Return on sales, %	calculated ratio	num(10,2)	1.23
r: Operating margin, %	calculated ratio	num(10,2)	1.23
r: Return on invest, %	calculated ratio	num(10,2)	1.23
Working capital	calculated statement	num(12,2)	123 45.00
r: Curr.assets turnover	calculated ratio	num(8,2)	1.23
r: Current ratio	calculated ratio	num(8,2)	1.23
r: Quick ratio	calculated ratio	num(8,2)	1.23
r: Leverage'	calculated ratio	num(8,2)	1.23
r: Debt-to-equity'	calculated ratio	num(8,2)	1.23

FinancialStatements

The topic row contains item-elements of the following types:

Item type	Meaning	Value format	Example
appl.attrs	row attributes	no-value
revision	date of the statements	dd.mm.yyyy	01.01.2001
months	length of revision period	num(2)	12
currency	currency of the statements	char(3)	LVL
degree	10-base power of the statements {3,6}	num(1)	3
is.consolidated	indicator {true,false}	char(5)	false
a_src	source-indicator {o-official,...}	char(1)	o
src.document	xml-document representing source financial document(s)	char(68k)

Liquidation, Foundation, EventsHistory

The topics have rows with item-elements of the following types:

Item type	Meaning	Value format	Example
date	date of event	dd.mm.yyyy	01.01.2001
event	event from dictionary	char(60)	Foundation
subject	description	char(200)	Foundation record...
text	free text	char(68k)

Export, Import, ExportImport

The topic row contains item-elements of the following types:

Item type	Meaning	Value format	Example
row.timestamp	the row data 'as of' date	dd.mm.yyyy	01.01.2005
is.presence	'any presence' indicator {true, false}	char(5)	false
revision	date of the data	dd.mm.yyyy	01.01.2001
months	length of revision period	num(2)	12
amount	amount in currency	num(12,2)	50 000.00
currency	currency for amount	char(3)	LVL
is.amount.est	estimated-indicator {true}	char(4)	true
countries	list for the type	char(4k	Estonia, Italy, France

Debts

The topic row contains item-elements of the following types:

Item type	Meaning	Value format	Example
row.timestamp	the row data 'as of' date	dd.mm.yyyy	01.01.2005
row.cancelled	the row data cancelled date	dd.mm.yyyy	01.01.2005
is.row.cancelled.since	if the date means 'since' {true}	char(4)	true
is.presence	'any presence' indicator {true, false}	char(5)	false
date	date of default	dd.mm.yyyy	01.01.2001
type	type as literal {Debt collection, Tax arrears, Local databases}	char(20)	Debt collection
is.confirmed	confirmed-indicator {true}	char(4)	true
amount	debt amount in currency	num(10)	50 000
currency	currency for amount	char(3)	LVL
is.amount.est	estimated-indicator {true}	char(4)	true
penalty	penalty amount in currency	num(10)	1 000
p.currency	currency for penalty	char(3)	LVL
is.penalty.est	estimated-indicator {true}	char(4)	true
payment.status	status as literal {none, partial, complete, dismissed}	char(10)	complete

LegalForm, LegalFormHistory

The topics have rows with item-elements of the following types:

Item type	Meaning	Value format	Example
row.timestamp	the row data 'as of' date	dd.mm.yyyy	01.01.2005
row.cancelled	the row data cancelled date	dd.mm.yyyy	01.01.2005
is.row.cancelled.since	if the date means 'since' {true}	char(4)	true
date	the form started date	dd.mm.yyyy	01.01.2001
country	ISO 3166 code	char(2)	LV
form	code and name from dictionary	char(60)	AS (JSC by Latvian law)

ManagersSupervisoryBoard, ManagersExecutives, SignatureRight

The topics have rows with item-elements of the following types:

Item type	Meaning	Value format	Example
row.timestamp	the row data 'as of' date	dd.mm.yyyy	01.01.2005
row.cancelled	the row data cancelled date	dd.mm.yyyy	01.01.2005
is.row.cancelled.since	if the date means 'since' {true}	char(4)	true
name	name	char(200)	SPECIMEN BANK Inc.
gender	literal {male, female}	char(10)	female
origin	registr. country, ISO 3166 code	char(2)	LV
pers.code	personal code	char(50)	010153-12345
position	position	char(60)	Chairman of the board
is.signature	sign-right-indicator {true}	char(4)	true
addr.country	ISO 3166 code	char(2)	LV
addr.city	name from dictionary	char(128)	Ventspils
addr.zip	postal code	char(20)	LV1010
addr.address	street and house number	char(100)	Vilandes 13-7

Identification, Previous Names

Both topics have rows with item-elements of the following types:

Item type	Meaning	Value format	Example
row.timestamp	the row data 'as of' date	dd.mm.yyyy	01.01.2005
row.cancelled	the row data cancelled date	dd.mm.yyyy	01.01.2005
is.row.cancelled.since	if the date means 'since' {true}	char(4)	true
name	regular name (or sort name)	char(200)	Rigas Alus
name.en	name in english	char(200)	Riga Beer
fullname	full name as registered	char(200)	Akciju Sabiedriba "Rigas Alus"
origname	full name in nature language	char(200)	Rīgas Alus

Suppliers

The topic row contains item-elements of the following types:

Item type	Meaning	Value format	Example
row.timestamp	the row data 'as of' date	dd.mm.yyyy	01.01.2005
name	name	char(200)	SPECIMEN BANK Inc.
igkno	internal id	char(11)	088-927-831
origin	registr. country, ISO 3166 code	char(2)	LV
regno	registr. code	char(50)	00012345
addr.country	ISO 3166 code	char(2)	LV
addr.city	name from dictionary	char(128)	Ventspils
addr.zip	postal code	char(20)	LV1010
addr.address	street and house number	char(100)	Vilandes 13-7

Pledges

The topic row contains item-elements of the following types:

Item type	Meaning	Value format	Example
row.timestamp	the row data 'as of' date	dd.mm.yyyy	01.01.2005
row.cancelled	the row data cancelled date	dd.mm.yyyy	01.01.2005
is.row.cancelled.since	if the date means 'since' {true}	char(4)	true
is.presence	'any presence' indicator {true, false}	char(5)	false
started	started date	dd.mm.yyyy	01.01.2001
expired	expired date	dd.mm.yyyy	01.01.2001
amount	pledge amount in currency	num(10)	50 000
currency	currency for amount	char(3)	LVL
is.amount.est	estimated-indicator {true}	char(4)	true
pledgee	name	char(200)	SPECIMEN BANK Inc.
type	literal {company, person}	char(10)	company
gender	literal {male, female}	char(10)	female
igkno	internal id	char(11)	088-927-831
origin	registr. country, ISO 3166 code	char(2)	LV
regno	registr. or personal code	char(50)	00012345
addr.country	ISO 3166 code	char(2)	LV
addr.city	name from dictionary	char(128)	Ventspils
addr.zip	postal code	char(20)	LV1010
addr.address	street and house number	char(100)	Vilandes 13-7

Publications

The topic row contains item-elements of the following types:

Item type	Meaning	Value format	Example
date	date of publication	dd.mm.yyyy	01.01.2001
subject	subject	char(200)	Dienas Biznes wrote: ...
text	text	char(68k)

ChangesInRegistrData

The topic row contains item-elements of the following types:

Item type	Meaning	Value format	Example
date	date of change	dd.mm.yyyy	01.01.2001
is.name	change-indicator {true}	char(4)	true
is.legal.form	change-indicator {true}	char(4)	true
is.legal.address	change-indicator {true}	char(4)	true
is.activities	change-indicator {true}	char(4)	true
is.capital	change-indicator {true}	char(4)	true
is.managers	change-indicator {true}	char(4)	true
is.signature.rights	change-indicator {true}	char(4)	true
is.shareholders	change-indicator {true}	char(4)	true

RegistrationData, OtherRegistrations, RegistrationHistory

The topics have rows with item-elements of the following types:

Item type	Meaning	Value format	Example
row.timestamp	the row data 'as of' date	dd.mm.yyyy	01.01.2005
row.cancelled	the row data cancelled date	dd.mm.yyyy	01.01.2005
is.row.cancelled.since	if the date means 'since' {true}	char(4)	true
is.primary	primary-indicator {true}	char(4)	true
date	date of registration	dd.mm.yyyy	01.01.2001
regno.type	description	char(60)	Regis. Number
regno	registr. code	char(50)	00012345
is.bank	bank-indicator {true}	char(4)	true
bankcode	bank identifier	char(50)	PARXLV22
reg.country	ISO 3166 code	char(2)	LV
reg.city	name from dictionary	char(128)	Ventspils
reg.authority	name from dictionary	char(100)	State Register

RelatedCompanies

The topic row contains item-elements of the following types:

Item type	Meaning	Value format	Example
row.timestamp	the row data 'as of' date	dd.mm.yyyy	01.01.2005
name	name	char(200)	SPECIMEN BANK Inc.
igkno	internal id	char(11)	088-927-831
origin	registr. country, ISO 3166 code	char(2)	LV
regno	registr. code	char(50)	00012345
addr.country	ISO 3166 code	char(2)	LV
addr.city	name from dictionary	char(128)	Ventspils
addr.zip	postal code	char(20)	LV1010
addr.address	street and house number	char(100)	Vilandes 13-7

Shareholders

The topic row contains item-elements of the following types:

Item type	Meaning	Value format	Example
row.timestamp	the row data 'as of' date	dd.mm.yyyy	01.01.2005
row.cancelled	the row data cancelled date	dd.mm.yyyy	01.01.2005
is.row.cancelled.since	if the date means 'since' {true}	char(4)	true
name	name	char(200)	SPECIMEN BANK Inc.
type	literal {company, person}	char(10)	company
gender	literal {male, female}	char(10)	female
igkno	internal id	char(11)	088-927-831
origin	registr. country, ISO 3166 code	char(2)	LV
regno	registr. or personal code	char(50)	00012345
share.procent	share in %	num(5,2)	50.00
is.share.ultimate	ultimate-indicator {true}	char(4)	true
is.share.est	estimated-indicator {true}	char(4)	true
value	share's value in currency	num(10)	50 000
currency	currency for value	char(3)	LVL
addr.country	ISO 3166 code	char(2)	LV
addr.city	name from dictionary	char(128)	Ventspils
addr.zip	postal code	char(20)	LV1010
addr.address	street and house number	char(100)	Vilandes 13-7

Participation

The topic row contains item-elements of the following types:

Item type	Meaning	Value format	Example
row.timestamp	the row data 'as of' date	dd.mm.yyyy	01.01.2005
row.cancelled	the row data cancelled date	dd.mm.yyyy	01.01.2005
is.row.cancelled.since	if the date means 'since' {true}	char(4)	true
is.presence	'any presence' indicator {true, false}	char(5)	false
name	name	char(200)	SPECIMEN BANK Inc.
igkno	internal id	char(11)	088-927-831
origin	registr. country, ISO 3166 code	char(2)	LV
regno	registr. code	char(50)	00012345
share.procent	share in %	num(5,2)	50.00
is.share.ultimate	ultimate-indicator {true}	char(4)	true
is.share.est	estimated-indicator {true}	char(4)	true
value	share's value in currency	num(10)	50 000
currency	currency for value	char(3)	LVL
addr.country	ISO 3166 code	char(2)	LV
addr.city	name from dictionary	char(128)	Ventspils
addr.zip	postal code	char(20)	LV1010
addr.address	street and house number	char(100)	Vilandes 13-7

Trading Names

The topic row contains item-elements of the following types:

Item type	Meaning	Value format	Example
row.timestamp	the row data 'as of' date	dd.mm.yyyy	01.01.2005
name	regular name	char(100)	Rigas Alus
name.en	name in english	char(100)	Riga Beer
fullname	full name as registered	char(100)
origname	name in nature language	char(100)	Rīgas Alus

IGK Service SIA
Lokomotives 34
Riga LV-1057, Latvia

Phone +371 7186914
Fax +371 7186918
http://www.igkservice.lv