insurer asks about our financial health what should I enter

Creditworthiness at insurers is usually factual, not interpretative

Enter what is objectively established: filing status of the financial statements, current credit score from a bureau such as Graydon, D&B or Creditsafe, and payment terms to suppliers. Insurers ask this not out of curiosity but to substantiate acceptance and premium policy, often in credit insurance, guarantees or liability policies with significant insured value. The questioning resembles what a bank asks, but the purpose differs — that difference in approach is explained at why the bank asks different questions than the insurer while it is about the same subject.

For the answer to "are the financial statements filed" the source in the file is often already provided with date and reference number from the business register; verify that this number matches the financial year the insurer is asking about, not automatically the most recent. If a credit rating is missing from the file, do not enter an estimate yourself — leave the field blank or indicate that the rating is being requested from the bureau. The same applies to questions about payment behaviour: an average payment term is only fillable if it is derived from administration, not estimated. See what is precisely meant by the average payment term to suppliers for the scope of that question, and the source for the filing answer at what a customer means by "are the annual figures filed".

Where the data come from: Trade Register Act and client due diligence

The filing data and basic registration of the business are derived from the Trade Register Act 2007, which stipulates which data of a business are public and verifiable. Questions about financial health sometimes also touch on the broader client due diligence that institutions — including insurers in certain cases — are required to conduct under the Anti-Money Laundering and Counter-Terrorism Financing Act; that investigation may overlap with questions that appear elsewhere in the list about source of funds or banking relationships. A credit rating itself is not a statutorily prescribed data point but a product of an external bureau, and therefore never appears as standard in the file unless previously supplied.