Scorable
Scorable is bondIT's explainable-AI credit analytics platform. It forecasts twelve-month downgrade and upgrade probabilities for more than 3,000 rated corporate and financial bond issuers, and exposes the individual variables driving every risk score.
What is Scorable?
Scorable is a credit analytics platform built by bondIT (Bond I.T. Ltd), an Israeli fixed income technology company, and delivered as a web application at business.scorable.com. It answers one narrow question in depth: is a bond issuer's credit rating likely to move over the next twelve months?
At its centre sits the Scorable Rating Transition (SRT) Model, a stacked architecture of two machine learning models trained on Standard & Poor's and Moody's rating history, selected company fundamentals, financial ratios, static company data, and equity and FX market data. The publisher states that the model weighs roughly 250 variables and processes around 350 gigabytes of data every day across more than 3,000 rated corporate and financial issuers worldwide. For each issuer it returns downgrade, stable and upgrade probabilities over a twelve-month horizon, plus an SRT class running from Very Positive to Very Negative. Ratings are expressed through a Composite Rating that always takes the lower of the S&P and Moody's assessments and maps it onto the S&P scale.
What separates the product from a conventional scoring service is its explainability. An Impact of Features view decomposes every prediction into the contribution of each variable and each cluster of variables, at any date in the issuer's history, so an analyst can see why a score moved rather than simply that it moved. A Relative Value module classifies an issuer as cheap, fair or rich against its sector or its rating universe.
Daily work happens through lists and alerts. Users assemble personal, shared or Smart Lists of issuers, then configure alerts on transition class, probability shifts, external ratings, outlook and watch status, or relative value, with a minimum change threshold of three, five or seven per cent. Preset rules cover High Downgrade Risk, High Upgrade Opportunity and Falling Angel. Alerts arrive daily by email and inside the application. Issuer pages add history, news insights and company profile data, and model output can be exported to CSV or XLSX once bondIT enables that feature.
bondIT positions Scorable as an independent, transparent second opinion alongside a firm's internal credit models, not as a replacement for them.
What it does
- Forecast the probability that an issuer's credit rating will be downgraded or upgraded within twelve months
- Monitor more than 3,000 rated corporate and financial issuers worldwide from one screen
- Explain any score by showing the individual impact of each variable and cluster of variables
- Trigger daily alerts on rating transition class, probability shifts, external ratings, outlook and watch changes
- Spot Falling Angels, issuers dropping from BBB or BBB- into high yield
- Rank an issuer as cheap, fair or rich in relative value against its sector or rating universe
- Build, share and monitor issuer lists, including Smart Lists of buy and sell opportunities
When to use Scorable / When not to
A quick filter to help you decide if Scorable is the right fit.
When to use Scorable
- Fixed income portfolio managers who need early warning on rating moves across a bond book
- Credit analysts covering rated corporate and financial issuers
- Insurance investment teams strengthening internal rating frameworks under Solvency II Matching Adjustment reforms
- Risk managers and risk committees who must justify, not just record, a change in credit assessment
- Banks, custodians, broker-dealers and asset owners wanting an independent second opinion alongside an in-house model
When not to use Scorable
- Retail investors: the licence terms restrict the service to institutional investors, registered brokers and professionals of similar sophistication
- Equity-only investors: the entire product is built around corporate and financial bond credit risk
- Anyone covering unrated issuers, sovereigns or securitisations, since the universe is limited to names rated by S&P or Moody's
- Teams looking for portfolio construction, optimisation or trade execution, which belong to bondIT's other products rather than to Scorable
- Small firms without an institutional budget or procurement process, as no price is published and access starts with a sales conversation
How to use Scorable
A typical end-to-end flow, from setup to results.
- Request access through bondIT's Book a Trial or Start Your Free Trial form; there is no self-service sign-up
- Receive login details by email, then accept the terms of service when creating the account
- Sign in to the web application at business.scorable.com and land on the dashboard
- Search for issuers and gather them into a personal list, a shared team list or a Smart List of opportunities
- Open an issuer page to read its Composite Rating, outlook and watch status, SRT class and twelve-month transition probabilities
- Move to the Insights tab to inspect the Impact of Features, the variable clusters and the relative value position against a peer group
- Drag the history slider to see how the score and its drivers evolved on any past date
- Create alerts in three steps: choose the alert type, select preset rules or write custom ones, then confirm direction, threshold and target class
- Receive daily alert digests by email and in the application, and adjust or pause rules as coverage changes
- Export model data to CSV or XLSX if the Data Extract feature has been enabled for the account, or contact support to request it
Pros & Cons
Pros
- Genuine, tooled explainability: every score exposes the variables and clusters that produced it, which black-box scoring services do not
- A precisely stated scope that can be checked: twelve-month horizon, 3,000+ rated issuers, around 250 variables, roughly 350 GB of data daily
- Published, quantified performance claims, including 90.2% of downgrades anticipated against 79% for rating agency outlooks
- A fine-grained alerts engine with direction, thresholds, notch counts, target classes and outlook filters, not just on or off notifications
- An explicitly complementary positioning: the vendor presents Scorable as a second opinion beside an internal model, not as a substitute
- Institutional credibility markers: SOC 2 certification by Ernst & Young, a 99.5% monthly availability commitment written into the terms, and BNY Mellon among the publisher's shareholders
- A one-week free trial with credentials issued after a short form, so the product can be assessed before any commitment
Cons
- No price is published anywhere; the publisher's own sitemap confirms there is no pricing page, and every route leads to a sales conversation
- The subscription is scaled by the number of issuers covered, the department and the territory, so cost grows with the universe monitored
- The product site is invisible without JavaScript: the homepage returns eight characters of text, and every URL including /robots.txt returns the same shell
- The product's legal pages exist only as application routes, so the privacy policy, terms and licence cannot be read as standalone documents
- No subprocessor is named individually, and no EU representative under Article 27 is designated although the publisher is established in Israel
- Usage is tightly restricted: internal use only, no redistribution, no published benchmarks without written consent, and an audit right for one data licensor
- Data export is disabled by default and explicitly unavailable to trial customers; the interface is English only, with no mobile application
Pricing & Plans
There is no permanent free plan and no published price. Scorable is sold on subscription through a commercial agreement, and bondIT publishes no pricing page: the absence was confirmed against the publisher's own page sitemap, and no amount appears anywhere on the product or the corporate site. The licence terms indicate that the fee depends on at least three contractual variables — the number of issuers subscribed to, the department or entity concerned, and the territory — which explains why no single figure could be meaningful. A one-week free trial is offered: prospective users submit a short form and receive login details, although the data export feature is not included for trial accounts. Anyone budgeting for the tool should request the pricing basis and the issuer count directly from bondIT.
Data, GDPR & hosting
A consolidated view of how Scorable handles your data.
GDPR overview
The GDPR references are concrete rather than decorative. Scorable's own privacy policy, last reviewed on 13 January 2026, names the legal basis for each processing purpose: Article 6(1)(b) for the user account, Article 6(1)(f) for enquiries, and Article 6(1)(a) consent for analytics and optimisation cookies. A Data Protection Officer is reachable at privacy@bonditglobal.com. International transfers are covered by Standard Contractual Clauses, and third-party processors are said to operate under formal data processing agreements. The publisher's own policy sets out the full list of data subject rights, including access, rectification, erasure, objection, restriction, portability and complaint to a supervisory authority. Two gaps are worth noting: no subprocessor is named individually, only categories, and although the publisher is established in Israel, no Article 27 EU representative is designated anywhere on the site.
Who owns the data?
Bond I.T. Ltd, the Israeli company behind Scorable, keeps ownership of everything the application shows. The end user licence is explicit that the application, its content and its documentation are licensed, not sold, and that bondIT and its third-party providers hold exclusive proprietary rights over the services and the information displayed. Much of the underlying market data is itself licensed to bondIT by S&P Global Market Intelligence, Moody's Analytics and ICE, who can enforce their rights directly against the user. bondIT may also collect diagnostic, technical and usage data, in a form that does not identify the user, to improve the product; any feedback submitted becomes a perpetual, irrevocable, royalty-free licence in bondIT's hands.
Reuse rights
No, not freely. The terms of service confine Scorable to the customer's own internal business operations, and the licence is bounded by the subscription: the number of issuers subscribed to, the department or entity named in the agreement, and the territory. Users may display the information Scorable provides, but they may not sublicense, rent, lease, lend, sell or redistribute it, make it accessible to third parties for free or for a fee, use it to build a similar or competing product, or use it for third-party training, service bureau or application service provider purposes without bondIT's written certification. Publishing benchmark performance results requires prior written consent. Data licensed from ICE carries further restrictions: it may not be used to build an index, to value a fund or calculate a net asset value, or to construct a security master, and ICE may audit the customer's records once in any twelve-month period. Once the agreement ends, data obtained through Scorable may no longer be used, although decisions already taken on the strength of it are unaffected.
Data retention & training
Hosting summary
The publisher's privacy policy states that the servers on which the website and the service are hosted, and through which information is processed or stored, are located in Israel, the United States, Europe and Australia, and that information processed outside Israel may be handled by third parties. Scorable's own in-application privacy policy names no country, but commits to appropriate safeguards such as Standard Contractual Clauses for international transfers. The governing law is Israeli, with exclusive jurisdiction given to the courts of Tel Aviv-Jaffa. In practice the application is served from Amazon S3 behind a content delivery network, so the IP address a browser resolves reflects an edge node rather than a storage location. Third-party processors are described only by category — hosting providers, analytics vendors, customer support systems and communication tools — and no individual subprocessor is named. There is no public trust centre or security page.
Things to keep in mind
Risks and trade-offs to weigh before adopting Scorable.
- A probability is not a verdict: the licence itself warns that neither bondIT nor its data providers guarantee the accuracy or completeness of what the tool displays
- Substituting the score for your own credit judgement runs against the vendor's stated positioning, which is a complementary lens rather than a replacement
- Publishing performance benchmarks of the service, or passing scores on to third parties, breaches the terms of use and can be enforced by the data licensors directly
- ICE, one of the data licensors, holds an annual audit right over the customer's books and the equipment used to access its data, an obligation few readers of a subscription contract expect
- Access to the data disappears with the contract: nothing obtained through Scorable may be used once the agreement ends, so any internal process built on it must be able to stop
- Pricing is invisible until a sales conversation and scales with the number of issuers, so the cost of widening coverage is discovered late
- The publisher sits outside the European Union with no Article 27 representative, which a European controller will have to work through before onboarding
Setup & Integrations
Technical difficulty
Technically trivial, commercially gated. Scorable is a browser application with nothing to install, and bondIT states that it integrates with any existing system without additional development. There is no self-service sign-up: access starts with a form, after which login details are sent. Once inside, configuration is light — build a list of issuers, then follow a three-step wizard to set alerts, using preset rules if preferred. Only the data export feature needs bondIT to switch it on. Support runs by email Monday to Friday, 9am to 6pm CET, with a chat widget in the application.
Deployment
Supported languages
Behind Scorable
Fundraising
Social
Resources
All the official URLs gathered for verification and reference.
Frequently asked questions
What exactly does Scorable predict?
Which issuers are covered?
What is the model trained on?
Is it a black box?
How much does Scorable cost?
Is there a free trial?
Does Scorable offer an API?
Who publishes Scorable?
Where is the data hosted?
Can the scores be redistributed or resold?
Should you pick Scorable?
Scorable is an unusually well-defined product. Rather than spreading across the fixed income workflow, it takes one question — will this issuer's rating move within twelve months? — and answers it with a machine learning model whose reasoning it then exposes. That explainability is the real differentiator, and it lands on a live regulatory need: bondIT's own material ties Scorable to insurers strengthening internal rating frameworks under the Solvency II Matching Adjustment reforms, where an auditable rationale counts as much as the score itself.
The credibility markers are concrete. The publisher, Bond I.T. Ltd, is SOC 2 certified by Ernst & Young, names Ampega Asset Management — which manages assets for the Talanx insurance group — as a client and quotes its head of fixed income, and counts BNY Mellon among its shareholders after a $14 million round in December 2022. The terms of service carry a 99.5% monthly availability commitment.
The reservations are just as concrete. No price is published anywhere, and the subscription is scaled by the number of issuers covered, so the cost grows with the universe monitored. Usage is tightly constrained: internal use only, no redistribution, no published benchmarks without written consent, no use of the data once the contract ends, and an audit right for one of the data licensors. The publisher is established outside the European Union and designates no Article 27 representative. The performance figures — 90.2% of downgrades anticipated against 79% for agency outlooks, for instance — are bondIT's own and have not been independently audited.
For a credit team that wants a documented second opinion and can absorb an institutional procurement cycle, Scorable deserves a look. Ask for the pricing basis, the trial scope and the data protection paperwork before committing.
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