ExampleGuidancev1.0.0

Company creditworthiness based on corporate financials

A provider develops a system assessing the creditworthiness of companies by evaluating their company data, balance sheets and financial statements. In a variant, the owner of a legal entity is assessed to back a company loan.

The official source remains authoritative. This is general information about obligations and not legal advice. See this object on the map

Address and citation

This object has an address of its own that is never renamed or reused. Store the identifier in your own file, not the title or the link.

Identifier: praxikon:eu:ai-act:example:example-high-risk-company-creditworthiness
Payload hash (sha256): b59afcb1ffbf61bce9cf580117c6f27b06980a88a62ae4271124e1dd8bea3c94

Citation line

Praxikon, "Company creditworthiness based on corporate financials", praxikon:eu:ai-act:example:example-high-risk-company-creditworthiness@1.0.0, dataset praxikon:sys:registry:dataset:ai-act-implementation-graph 2.1.0 (schema 1.4.0), effective_at 2026-08-08T00:00:00.000Z, known_at 2026-08-14T00:00:00.000Z, sha256 b59afcb1ffbf61bce9cf580117c6f27b06980a88a62ae4271124e1dd8bea3c94

Version: 1.0.0
Legal time (effective_at): 8 August 2026
Knowledge time (known_at): 8 August 2026
Closed on: Not closed
Topics: examples

Review status: Placed against the official source (8 August 2026). Next check due by 4 February 2027. The check date is the knowledge date of this version; no later recheck has been recorded.

What this object links to

Every relation appears below as a path: from the source with its locator, through the conditions and exceptions of the object carrying the relation, to the consequence. A locator belongs to a statement in the data and not to a relation, so the source is the source anchor of the carrying object.

The obligation this hangs off

1 of 1 shown

The object belongs to this obligation. The source line it hangs off sits there.

Source
Official fact on this object, with its locator.
- Draft guidelines on the classification of high-risk AI systems
  Locator: Draft guidelines on high-risk AI classification, 19 May 2026, annex on Annex III
  praxikon:eu:ai-act:source:commission-draft-high-risk-classification-guidelines
  Open official source
Via
No condition or exception recorded on this object.
Consequence
- ObligationAnnex III: high-risk AI
  praxikon:eu:ai-act:obligation:annex-iii-high-risk

What this object is about

1 of 1 shown

The object is about this role. Undifferentiated: it does not follow that the duty rests on this role.

Source
Official fact on this object, with its locator.
- Draft guidelines on the classification of high-risk AI systems
  Locator: Draft guidelines on high-risk AI classification, 19 May 2026, annex on Annex III
  praxikon:eu:ai-act:source:commission-draft-high-risk-classification-guidelines
  Open official source
Via
No condition or exception recorded on this object.
Consequence
- ActorProvider of an AI system
  praxikon:eu:ai-act:actor:provider

What this object states

Official fact

Attributable to a named primary source, with a locator. Where they differ, the official source prevails.

The Commission draft guidelines of 19 May 2026 address this case when determining whether an application falls under Annex III. The document is a consultation version: non-binding and not yet final.
- Locator: Draft guidelines on high-risk AI classification, 19 May 2026, annex on Annex IIIpraxikon:eu:ai-act:source:commission-draft-high-risk-classification-guidelinesOpen official source

Our interpretation

Our own reading. It can change without the law changing, and it is not the position of a supervisory authority.

Decide in advance whether natural persons form part of your intended purpose, because a system that also evaluates their personal finances falls within point 5(b) as a whole, regardless of its corporate focus.
- Locator: Draft guidelines on high-risk AI classification, 19 May 2026, annex on Annex IIIpraxikon:eu:ai-act:source:commission-draft-high-risk-classification-guidelinesOpen official source

When this applies

No condition recorded on this object.

When this does not apply

No exception recorded on this object.

Referring to this object

Citation block

Copy this reference into your advice, article or file. The identifier, the version and the hash keep the statement findable later, even once the dataset has moved on.

Reference

Praxikon, "Company creditworthiness based on corporate financials",
praxikon:eu:ai-act:example:example-high-risk-company-creditworthiness@1.0.0,
dataset praxikon:sys:registry:dataset:ai-act-implementation-graph 2.1.0 (schema 1.4.0),
effective_at 2026-08-08T00:00:00.000Z, known_at 2026-08-08T00:00:00.000Z,
sha256 b59afcb1ffbf61bce9cf580117c6f27b06980a88a62ae4271124e1dd8bea3c94,
https://www.praxikon.com/en/verkenner/example/example-high-risk-company-creditworthiness
(https://www.praxikon.com/api/v1/entities?id=praxikon%3Aeu%3Aai-act%3Aexample%3Aexample-high-risk-company-creditworthiness&effective_at=2026-08-08&known_at=2026-08-08&lang=en, accessed 2026-08-25)

Short form

praxikon:eu:ai-act:example:example-high-risk-company-creditworthiness@1.0.0 (sha256 b59afcb1)

BibTeX

@misc{praxikon-eu-ai-act-example-example-high-risk-company-creditworthiness-1-0-0,
  author       = {{Praxikon}},
  title        = {Company creditworthiness based on corporate financials},
  year         = {2026},
  version      = {1.0.0},
  number       = {praxikon:eu:ai-act:example:example-high-risk-company-creditworthiness},
  howpublished = {AI Act Change \& Evidence Graph, dataset 2.1.0, schema 1.4.0},
  note         = {effective_at 2026-08-08T00:00:00.000Z; known_at 2026-08-08T00:00:00.000Z; sha256 b59afcb1ffbf61bce9cf580117c6f27b06980a88a62ae4271124e1dd8bea3c94},
  url          = {https://www.praxikon.com/en/verkenner/example/example-high-risk-company-creditworthiness},
  urldate      = {2026-08-25},
  language     = {en}
}

CSL JSON

[
  {
    "id": "praxikon:eu:ai-act:example:example-high-risk-company-creditworthiness@1.0.0",
    "type": "dataset",
    "title": "Company creditworthiness based on corporate financials",
    "container-title": "AI Act Change & Evidence Graph",
    "publisher": "Praxikon",
    "version": "1.0.0",
    "number": "praxikon:eu:ai-act:example:example-high-risk-company-creditworthiness",
    "URL": "https://www.praxikon.com/en/verkenner/example/example-high-risk-company-creditworthiness",
    "language": "en",
    "issued": {
      "date-parts": [
        [
          2026,
          8,
          8
        ]
      ]
    },
    "accessed": {
      "date-parts": [
        [
          2026,
          8,
          25
        ]
      ]
    },
    "note": "dataset praxikon:sys:registry:dataset:ai-act-implementation-graph 2.1.0; schema 1.4.0; effective_at 2026-08-08T00:00:00.000Z; known_at 2026-08-08T00:00:00.000Z; sha256 b59afcb1ffbf61bce9cf580117c6f27b06980a88a62ae4271124e1dd8bea3c94; retrieved_from https://www.praxikon.com/api/v1/entities?id=praxikon%3Aeu%3Aai-act%3Aexample%3Aexample-high-risk-company-creditworthiness&effective_at=2026-08-08&known_at=2026-08-08&lang=en; licence https://www.praxikon.com/nl/legal/terms"
  }
]

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