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, and financial transparency matters.

FINZscore closes the visibility gap by converting a builder’s verified financial statements into a clear A–E financial viability rating.

Developed by CreditWorks in partnership with Registered Master Builders NZ, FINZscore is exclusively available to Registered Master Builders assessing their own business. The rating helps builders demonstrate financial strength, and 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

Registered Master Builders
FINZscore is currently available exclusively to New Zealand Registered Master Builders, giving them a clear view of their financial strength and helping them secure higher‑quality projects with confidence.

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

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

Sample Report

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

Product Guide

Get Your FINZscore

If you are a Registered Master Builder, FINZscore delivers clarity where it matters most.

Contact us today to get your FINZscore.

Request a FINZscore Report