Creating financial confidence

Financial viability ratings
on Kiwi builders

FINZscore™ is New Zealand’s first financial viability rating system for the construction industry. Powered by company financials, FINZscore is a simple A-E grade that signals whether a builder is financially solid or a risk.

Overview

Building and renovating are some of the biggest investments Kiwis ever make. Yet until now, financial visibility has been a blind spot.

FINZscore closes that gap.

By converting up-to-date financial statements into a transparent A-E rating, FINZscore gives builders, owners, suppliers, lenders, and project managers the confidence to move forward with trust.

Developed by CreditWorks, in partnership with Master Builders NZ, FINZscore sets a new standard in financial trust for the industry.

How it Works

Builders provide their most recent company financials.

Key ratios (liquidity, gearing, profitability, returns) are calculated.

FINZscore produces a clear A-E grade, benchmarked against industry financial performance.

The grade is presented in a FINZscore Report™, complete with ratios, trends, and an easy-to-understand explanation.

Who it’s For

Builders
Prove your financial strength and win higher-quality work

Suppliers & Subcontractors
Know you’ll get paid

Owners & Developers
Reduce risk when choosing who to trust with your project

Project Managers & Councils
Make accreditation and procurement decisions with confidence

Lenders & Funders
Assess viability before committing capital

Benefits

Simple & Transparent
One rating, understood by all

Data-Driven
Based on audited financials, not opinions

Benchmarking
Compare performance against peers and industry standards

Risk Reduction
Avoid costly project delays and failures

Trust & Confidence
A new standard for New Zealand construction

FINZscore rating scale

Rating, Category and Description

Rating

Category

Description

A

Strong

  • Excellent financial health with ratios outperforming industry benchmarks
  • High liquidity and strong equity position ensure resilience
  • Well-placed to meet obligations and fund future growth

B

Stable

  • Solid condition with ratios at or above peer benchmarks
  • Minor weaknesses exist but not material
  • Capable of comfortably meeting near to mid-term obligations

C

Moderate Risk

  • Performance broadly in line with industry norms
  • Some weaker ratios signal emerging vulnerabilities
  • Can meet obligations, but pressure rises in tougher conditions

D

Elevated Risk

  • Multiple ratios below industry benchmarks.
  • Liquidity or leverage pressures create financial stress.
  • Higher chance of difficulty meeting obligations

E

High Risk

  • Well below peers across liquidity, profitability, or leverage
  • Critical weaknesses evident in core financials
  • Financial distress highly likely without urgent corrective action

Each report provides

Company profile and key financials

Core ratios explained (liquidity, leverage, returns, wages margin, etc.)

Year-on-year comparisons

Easy-to-interpret summary for decision-makers

Get Your FINZscore

Whether you’re a builder wanting to demonstrate your viability, or a supplier needing peace of mind before extending credit, FINZscore delivers clarity where it matters most.

Contact us today to get your FINZscore.