{
 "as_of": "2026-11-06",
 "cmr": "it-cm-kg/MTAA/IT0003121677",
 "fence": "The page is the record's research on the issuer — no analyst, no rating, no view.",
 "markdown": "The page is the record's research on the issuer — no analyst, no rating, no view.\n\n# CREDEM (Euronext Milan: IT0003121677) — research page\n\nAs of 2026-11-06 · it-cm-kg · record version 1\n\n## Identity and listing\n\nThe issuer is CREDEM, listed on Euronext Milan under ticker IT0003121677, with ISIN IT0003121677 and LEI 8156004B244AA70DE787. Its security type, segment, sector and jurisdiction are not on the record. The listing status is listed, not halted.\n\n## The disclosure read\n\nThe record holds 0 filings in the window 2025-11-06 to 2026-11-06, across 0 filing days, with no filing types recorded. The median gap between filing days is not on the record, and no latest filing date or type is on the record. The exchange peer set is 195 issuers on Euronext Milan, with a median cadence gap of 7.0 days, a median of 47 filings and a median latency of 4.0 days. The sector peer median is not on the record for market IT.\n\n## Auditor\n\nThe auditor, its location and any auditor changes are not on the record, as this register has no lifecycle type map yet.\n\n## Events and halts\n\nListing, delisting, name change, domicile change and segment move are not on the record, as this register has no lifecycle type map yet. The halt flag shows listed, not halted.\n\n## Orderability\n\nThe outcome is not determinable. The chapter's orderability section carries no client categories, so the outcome cannot name its client category. The rule version is acm-68000/it/mifid-ii-product-governance/r1, and the chapter is as of 2026-11-04.\n\n## Coverage\n\nThe issuer's investor-relations page names 8 research houses: Banca Akros, Barclays, Deutsche Bank, Intermonte SIM, Intesa Sanpaolo, Mediobanca, Kepler Cheuvreux and Equita SIM.\n\n## Open research\n\nNo openly published research notes were found on the record.\n\n## Licensed\n\nLicensed research: none loaded. A licensed row is served only to an agent whose firm holds that licence (licensor, entitlement). No licensed row is loaded.\n\n## As-of depth\n\nThe market IT is not sealed, so no sealed issuer years, earliest sealed market date or live record start date are on the record.\n\n## Sources\n\n7 source pages are named on this page; every value above carries its own source page and read date in the numbers.\n\n- https://firds.esma.europa.eu/firds/ (identity.exchange)\n- https://mapping.gleif.org/api/v2/isin-lei/latest/download (identity.lei)\n- https://mcp.it-cm-kg.ai/events/MTAA/IT0003121677 (the disclosure lines)\n- https://live.euronext.com/en/ajax/haltedInstrument/getAjax/current (page: https://live.euronext.com/en/resources/market-events/suspended/current) (the halt flag)\n- https://it.eu-cm-kg.ai/book/aio.json (the orderability chapter)\n- https://www.credem.it/content/credem/en/credem-group/investor-relations/consensus-ed-analisti.html (coverage)\n- https://mcp.it-cm-kg.ai/record/MTAA/IT0003121677 (the record)\n",
 "market": "IT",
 "node": "it-cm-kg",
 "numbers": {
  "as_of_depth": {
   "issuer_years_sealed": [],
   "live_record_began": null,
   "node_history_from": null,
   "node_years_sealed": [],
   "note": "the IT vintage is not sealed; the record is the live record as of 2026-11-06",
   "record_version": 1,
   "sealed": false
  },
  "auditor": {
   "auditor": {
    "market": "IT",
    "state": "not_on_record"
   },
   "auditor_firm_id": {
    "market": "IT",
    "state": "not_on_record"
   },
   "auditor_location": {
    "market": "IT",
    "state": "not_on_record"
   },
   "changes": {
    "market": "IT",
    "reason": "no lifecycle type map for this register yet (SHELF-01: us and ca first)",
    "state": "not_on_record"
   }
  },
  "cmr": "it-cm-kg/MTAA/IT0003121677",
  "coverage": {
   "count": 8,
   "houses": [
    {
     "analyst": "Irene Rossetto",
     "house": "BANCA AKROS",
     "read_by": "issuer IR page, fetched by this rail; house names read through Mistral (mistral-small-latest), each then found on the page",
     "read_date": "2026-11-12",
     "source": "https://www.credem.it/content/credem/en/credem-group/investor-relations/consensus-ed-analisti.html",
     "state": "sourced"
    },
    {
     "analyst": "Paola Sabbione",
     "house": "BARCLAYS",
     "read_by": "issuer IR page, fetched by this rail; house names read through Mistral (mistral-small-latest), each then found on the page",
     "read_date": "2026-11-12",
     "source": "https://www.credem.it/content/credem/en/credem-group/investor-relations/consensus-ed-analisti.html",
     "state": "sourced"
    },
    {
     "analyst": "Giovanni Razzoli, CFA",
     "house": "DEUTSCHE BANK",
     "read_by": "issuer IR page, fetched by this rail; house names read through Mistral (mistral-small-latest), each then found on the page",
     "read_date": "2026-11-12",
     "source": "https://www.credem.it/content/credem/en/credem-group/investor-relations/consensus-ed-analisti.html",
     "state": "sourced"
    },
    {
     "analyst": "Lorenzo Giacometti",
     "house": "INTERMONTE SIM",
     "read_by": "issuer IR page, fetched by this rail; house names read through Mistral (mistral-small-latest), each then found on the page",
     "read_date": "2026-11-12",
     "source": "https://www.credem.it/content/credem/en/credem-group/investor-relations/consensus-ed-analisti.html",
     "state": "sourced"
    },
    {
     "analyst": "Elena Perini, CFA",
     "house": "INTESA SANPAOLO",
     "read_by": "issuer IR page, fetched by this rail; house names read through Mistral (mistral-small-latest), each then found on the page",
     "read_date": "2026-11-12",
     "source": "https://www.credem.it/content/credem/en/credem-group/investor-relations/consensus-ed-analisti.html",
     "state": "sourced"
    },
    {
     "analyst": "Matteo Panchetti",
     "house": "MEDIOBANCA",
     "read_by": "issuer IR page, fetched by this rail; house names read through Mistral (mistral-small-latest), each then found on the page",
     "read_date": "2026-11-12",
     "source": "https://www.credem.it/content/credem/en/credem-group/investor-relations/consensus-ed-analisti.html",
     "state": "sourced"
    },
    {
     "analyst": "Luigi Tramontana",
     "house": "KEPLER CHEUVREUX",
     "read_by": "issuer IR page, fetched by this rail; house names read through Mistral (mistral-small-latest), each then found on the page",
     "read_date": "2026-11-12",
     "source": "https://www.credem.it/content/credem/en/credem-group/investor-relations/consensus-ed-analisti.html",
     "state": "sourced"
    },
    {
     "house": "EQUITA SIM",
     "read_by": "issuer IR page, fetched by this rail; house names read through Mistral (mistral-small-latest), each then found on the page",
     "read_date": "2026-11-12",
     "source": "https://www.credem.it/content/credem/en/credem-group/investor-relations/consensus-ed-analisti.html",
     "state": "sourced"
    }
   ],
   "pages_checked": [
    {
     "page": "https://www.credem.it/content/credem/en/credem-group/investor-relations/consensus-ed-analisti.html",
     "result": "read: 8 of 15 named houses found on the page"
    }
   ],
   "read_by": "Perplexity sonar (search) · page read by this rail",
   "read_date": "2026-11-12",
   "since": "not stated on the page read",
   "state": "found"
  },
  "disclosure": {
   "against": {
    "exchange": {
     "issuers": 195,
     "median_cadence_gap_days": 7,
     "median_filings": 47,
     "median_latency_days": 4,
     "name": "Euronext Milan"
    },
    "sector": {
     "market": "IT",
     "state": "not_on_record"
    }
   },
   "by_type": {},
   "cadence_median_gap_days": null,
   "filing_days": 0,
   "filings": 0,
   "latency_days": null,
   "latest": [],
   "latest_filing_date": null,
   "note": "no disclosure line on the record for this issuer in the window",
   "read": "the node's event lines (list_events_since), as get_filings serves them",
   "source": "https://mcp.it-cm-kg.ai/events/MTAA/IT0003121677",
   "window": {
    "from": "2025-11-06",
    "to": "2026-11-06"
   }
  },
  "identity": {
   "exchange": {
    "read_by": "allooloo-cm-kg/eu-sources/it roster.py",
    "read_date": "2026-11-06",
    "read_date_basis": "the record version as_of",
    "source": "https://firds.esma.europa.eu/firds/ (ESMA FIRDS FULINS_E 2026-11-07: FULINS_E_20261107_01of02.zip, FULINS_E_20261107_02of02.zip)",
    "state": "sourced",
    "value": "Euronext Milan"
   },
   "isin": {
    "read_by": "allooloo-cm-kg/eu-sources/it roster.py",
    "read_date": "2026-11-06",
    "read_date_basis": "the record version as_of",
    "source": "https://firds.esma.europa.eu/firds/ (ESMA FIRDS FULINS_E 2026-11-07: FULINS_E_20261107_01of02.zip, FULINS_E_20261107_02of02.zip)",
    "state": "sourced",
    "value": "IT0003121677"
   },
   "jurisdiction": {
    "market": "IT",
    "state": "not_on_record"
   },
   "lei": {
    "read_by": "GLEIF ISIN-to-LEI mapping file (daily), LEI by exact ISIN",
    "read_date": "2026-11-09",
    "read_date_basis": "the field",
    "source": "https://mapping.gleif.org/api/v2/isin-lei/latest/download (ISIN IT0003121677)",
    "state": "sourced",
    "value": "8156004B244AA70DE787"
   },
   "name": {
    "read_by": "allooloo-cm-kg/eu-sources/it roster.py",
    "read_date": "2026-11-06",
    "read_date_basis": "the record version as_of",
    "source": "https://firds.esma.europa.eu/firds/ (ESMA FIRDS FULINS_E 2026-11-07: FULINS_E_20261107_01of02.zip, FULINS_E_20261107_02of02.zip)",
    "state": "sourced",
    "value": "CREDEM"
   },
   "sector": {
    "market": "IT",
    "state": "not_on_record"
   },
   "security_type": {
    "market": "IT",
    "state": "not_on_record"
   },
   "segment": {
    "market": "IT",
    "state": "not_on_record"
   },
   "ticker": {
    "read_by": "allooloo-cm-kg/eu-sources/it roster.py",
    "read_date": "2026-11-06",
    "read_date_basis": "the record version as_of",
    "source": "https://firds.esma.europa.eu/firds/ (ESMA FIRDS FULINS_E 2026-11-07: FULINS_E_20261107_01of02.zip, FULINS_E_20261107_02of02.zip)",
    "state": "sourced",
    "value": "IT0003121677"
   },
   "website": {
    "market": "IT",
    "state": "not_on_record"
   }
  },
  "licensed": {
   "columns": [
    "licensor",
    "entitlement",
    "title",
    "date",
    "source"
   ],
   "rows": [],
   "rule": "A licensed row is served only to an agent whose firm holds that licence (licensor, entitlement). No licensed row is loaded."
  },
  "lifecycle": {
   "delisting": {
    "market": "IT",
    "reason": "no lifecycle type map for this register yet (SHELF-01: us and ca first)",
    "state": "not_on_record"
   },
   "domicile_change": {
    "market": "IT",
    "reason": "no lifecycle type map for this register yet (SHELF-01: us and ca first)",
    "state": "not_on_record"
   },
   "listing": {
    "market": "IT",
    "reason": "no lifecycle type map for this register yet (SHELF-01: us and ca first)",
    "state": "not_on_record"
   },
   "name_change": {
    "market": "IT",
    "reason": "no lifecycle type map for this register yet (SHELF-01: us and ca first)",
    "state": "not_on_record"
   },
   "segment_move": {
    "market": "IT",
    "reason": "no lifecycle type map for this register yet (SHELF-01: us and ca first)",
    "state": "not_on_record"
   }
  },
  "market": "IT",
  "node": "it-cm-kg",
  "numbers_hash": "sha256:623c9d41018f9ed20e02256aabd7986827b6d99f06363b4e6088eba133a0e9eb",
  "open_research": {
   "read_date": "2026-11-12",
   "rows": [],
   "state": "none_found"
  },
  "orderability": {
   "chapter_as_of": "2026-11-04",
   "client_categories": [],
   "determinable": false,
   "read": {
    "chapter": "https://it.eu-cm-kg.ai/book/aio.json",
    "door": "https://it.eu-cm-kg.ai/mcp",
    "tool": "get_orderability"
   },
   "reason": "the chapter's orderability section carries no client_categories: the outcome cannot name its client category",
   "rule_version": "acm-68000/it/mifid-ii-product-governance/r1",
   "section": "it.aio.v5"
  },
  "record": {
   "as_of": "2026-11-06",
   "url": "https://mcp.it-cm-kg.ai/record/MTAA/IT0003121677",
   "version": 1
  },
  "schema": "research-numbers v0.1 (USR-01, 2026-11-11)",
  "status": {
   "read_date": "2026-11-09",
   "source": "https://live.euronext.com/en/ajax/haltedInstrument/getAjax/current (page: https://live.euronext.com/en/resources/market-events/suspended/current)",
   "value": "listed, not halted"
  }
 },
 "numbers_hash": "sha256:623c9d41018f9ed20e02256aabd7986827b6d99f06363b4e6088eba133a0e9eb",
 "path": "/it/MTAA/IT0003121677",
 "schema": "research-page v0.1 (USR-02, 2026-11-11)",
 "sections": [
  {
   "id": "identity",
   "text": "The issuer is CREDEM, listed on Euronext Milan under ticker IT0003121677, with ISIN IT0003121677 and LEI 8156004B244AA70DE787. Its security type, segment, sector and jurisdiction are not on the record. The listing status is listed, not halted.",
   "title": "Identity and listing"
  },
  {
   "id": "disclosure",
   "text": "The record holds 0 filings in the window 2025-11-06 to 2026-11-06, across 0 filing days, with no filing types recorded. The median gap between filing days is not on the record, and no latest filing date or type is on the record. The exchange peer set is 195 issuers on Euronext Milan, with a median cadence gap of 7.0 days, a median of 47 filings and a median latency of 4.0 days. The sector peer median is not on the record for market IT.",
   "title": "The disclosure read"
  },
  {
   "id": "auditor",
   "text": "The auditor, its location and any auditor changes are not on the record, as this register has no lifecycle type map yet.",
   "title": "Auditor"
  },
  {
   "id": "events",
   "text": "Listing, delisting, name change, domicile change and segment move are not on the record, as this register has no lifecycle type map yet. The halt flag shows listed, not halted.",
   "title": "Events and halts"
  },
  {
   "id": "orderability",
   "text": "The outcome is not determinable. The chapter's orderability section carries no client categories, so the outcome cannot name its client category. The rule version is acm-68000/it/mifid-ii-product-governance/r1, and the chapter is as of 2026-11-04.",
   "title": "Orderability"
  },
  {
   "id": "coverage",
   "text": "The issuer's investor-relations page names 8 research houses: Banca Akros, Barclays, Deutsche Bank, Intermonte SIM, Intesa Sanpaolo, Mediobanca, Kepler Cheuvreux and Equita SIM.",
   "title": "Coverage"
  },
  {
   "id": "open_research",
   "text": "No openly published research notes were found on the record.",
   "title": "Open research"
  },
  {
   "id": "licensed",
   "text": "Licensed research: none loaded. A licensed row is served only to an agent whose firm holds that licence (licensor, entitlement). No licensed row is loaded.",
   "title": "Licensed"
  },
  {
   "id": "depth",
   "text": "The market IT is not sealed, so no sealed issuer years, earliest sealed market date or live record start date are on the record.",
   "title": "As-of depth"
  },
  {
   "id": "sources",
   "text": "7 source pages are named on this page; every value above carries its own source page and read date in the numbers.",
   "title": "Sources"
  }
 ],
 "sources": [
  {
   "for": "identity.exchange",
   "source": "https://firds.esma.europa.eu/firds/"
  },
  {
   "for": "identity.lei",
   "source": "https://mapping.gleif.org/api/v2/isin-lei/latest/download"
  },
  {
   "for": "the disclosure lines",
   "source": "https://mcp.it-cm-kg.ai/events/MTAA/IT0003121677"
  },
  {
   "for": "the halt flag",
   "source": "https://live.euronext.com/en/ajax/haltedInstrument/getAjax/current (page: https://live.euronext.com/en/resources/market-events/suspended/current)"
  },
  {
   "for": "the orderability chapter",
   "source": "https://it.eu-cm-kg.ai/book/aio.json"
  },
  {
   "for": "coverage",
   "source": "https://www.credem.it/content/credem/en/credem-group/investor-relations/consensus-ed-analisti.html"
  },
  {
   "for": "the record",
   "source": "https://mcp.it-cm-kg.ai/record/MTAA/IT0003121677"
  }
 ],
 "title": "CREDEM (IT0003121677) — research page",
 "writer": {
  "by": "Claude through the platform account, Haiku class; one pass; checked against the numbers",
  "engine": "claude-haiku-5-5"
 }
}