Why does a credit score fall?

A company's score rarely drops because of a single event; it usually declines due to several changes accumulating quietly. That is the surprising part: even a business that has never missed a payment can see its score fall.

I pay on time, so why did my score drop?

Payment regularity is part of the score, not the whole story. When a company's debt burden increases or cash inflow slows down, the financial picture weakens even if payments are made on time. The score measures what you carry, not just what you pay.

Main reasons why a score falls

An increasing debt burden: debt becoming too heavy relative to the company's carrying capacity.
Weakening repayment ability: short-term liabilities outpacing the rate of cash generation.
Slower collections: money is coming in, but late; this makes the burden appear heavier than it is.
Declining profitability: turnover grows, but profit fails to keep pace.
A volatile picture: inconsistent results from year to year.

How to stop the decline

First, narrow the source of the drop down to a single area. Because the Firmaskor report sets out the factors dragging down the score separately, this step involves no guesswork. Then make an adjustment tailored to that issue. For example, you can review the maturity structure or shorten collection periods. Finally, measure again.