Risk Score Components (0–100)

Each organisation receives a composite financial stress score built from four normalised indicators:

• Low Operating Margin (35%) — (1 − normalised(operating_surplus_deficit / turnover × 100)) × 35. Inverted so lower margins score higher risk.
• High Arrears (25%) — normalised(current_arrears / rents × 100) × 25
• Void Losses (20%) — normalised(void_losses / rents × 100) × 20
• Viability Grade (20%) — normalised(viability_grade numeric) × 20. Grade extracted as number (1–4), higher = weaker.

Normalisation

Each indicator is min-max normalised across all organisations: (value − min) / (max − min), producing a 0–1 scale.

Status Classification

• At Risk — score ≥ 60
• Watch — score ≥ 40 and < 60
• Stable — score < 40

Data Requirements

Organisations must have valid turnover and unit count. Viability grade defaults to 2 (compliant) if not available.