Interpreting Assessment Results

This guide explains how to read and understand the risk scores, indicators, and recommendations generated by the CGIAR Risk Intelligence Tool.

Overview

After AI analysis completes, your assessment includes:

Overall Risk Score: Aggregate score across all categories (0-100)
Risk Level: Traffic-light classification (Low, Moderate, High, Critical)
Category Scores: Individual scores for 7 risk dimensions
Subcategory Analysis: Detailed 5-indicator breakdown per category
Evidence Narratives: AI-generated explanations with source citations
Actionable Recommendations: Prioritized mitigation strategies
Executive Summary: High-level overview for stakeholders

Accessing Your Results

Understanding the Overall Risk Score

Score Components

The overall risk score is displayed prominently at the top of the scorecard: Score: Numeric value from 0-100

Lower scores = Higher risk (0 = maximum risk)
Higher scores = Lower risk (100 = minimal risk)
Aggregated from 7 category scores
Weighted by category importance

Inverted Scale: The platform uses an inverted scale where 0 represents critical risk and 100 represents minimal risk. This aligns with credit scoring conventions.

Risk Levels (Traffic Lights)

Scores map to four risk levels:

Score Range	Level	Color	Meaning
76-100	LOW	Green	Minimal risk exposure, strong controls
51-75	MODERATE	Yellow	Acceptable risk with minor concerns
26-50	HIGH	Orange	Significant risk requiring mitigation
0-25	CRITICAL	Red	Severe risk, immediate action needed

Visual Indicators:

Color-coded badges: Background and text color match risk level
Progress bar: Filled portion shows score with matching color
Border styling: Cards have colored borders matching severity

Score Interpretation Guide

Low Risk (76-100 points) - Green

Interpretation:

Business shows strong risk management
Most risk factors well-controlled
Documentation complete and thorough
Financial position stable

Typical Actions:

Monitor ongoing performance
Maintain current controls
Focus on growth opportunities
Standard reporting frequency

Example Scenario: An established dairy cooperative with 10 years of operations, diversified revenue streams, strong governance, comprehensive insurance, and detailed financial records scores 82/100.

Moderate Risk (51-75 points) - Yellow

Interpretation:

Generally acceptable risk profile
Some areas need improvement
Controls present but could be stronger
Minor gaps in documentation

Typical Actions:

Address identified gaps
Strengthen weaker areas
Enhance monitoring in flagged categories
Quarterly risk reviews

Example Scenario: A 3-year-old organic farm with growing sales but limited financial history, basic governance structures, and moderate climate adaptation measures scores 67/100.

High Risk (26-50 points) - Orange

Interpretation:

Significant risk exposure identified
Multiple categories require attention
Controls insufficient or missing
Financial or operational vulnerabilities

Typical Actions:

Develop mitigation plan immediately
Prioritize high-impact recommendations
Increase monitoring frequency
Consider additional support or training

Example Scenario: A startup agricultural enterprise with limited track record, high debt, single-crop dependency, and minimal climate resilience scores 38/100.

Critical Risk (0-25 points) - Red

Interpretation:

Severe risk exposure across multiple areas
Business viability concerns
Major gaps in controls and documentation
Immediate intervention required

Typical Actions:

Halt funding until risks addressed
Require comprehensive restructuring plan
Weekly monitoring and reporting
On-site assessment recommended

Example Scenario: A business with negative cash flow, no formal governance, single buyer dependency, highly volatile input prices, and no climate adaptation strategy scores 18/100.

Category-Level Risk Scores

The 7 Risk Categories

Each assessment evaluates seven risk dimensions:

1. Behavioral Risk

What it measures:

Management capabilities and experience
Decision-making processes
Organizational culture
Stakeholder relationships
Commitment to sustainability

Indicators (5 subcategories):

Leadership quality
Team experience
Stakeholder engagement
Ethical practices
Learning capacity

2. Operational Risk

What it measures:

Production processes and efficiency
Supply chain management
Quality control systems
Infrastructure adequacy
Operational resilience

Indicators:

Process reliability
Supply chain stability
Quality assurance
Infrastructure condition
Capacity utilization

3. Financial Risk

What it measures:

Revenue stability and growth
Profitability and margins
Cash flow management
Debt levels and servicing
Financial planning maturity

Indicators:

Revenue diversification
Profitability trends
Liquidity position
Leverage ratios
Financial controls

Critical Category: Financial risk often has the highest weight in overall scoring. Strong financial performance can offset moderate risks in other areas.

4. Market Risk

What it measures:

Market positioning and competition
Customer concentration
Price volatility exposure
Market access barriers
Demand stability

Indicators:

Competitive advantage
Customer diversification
Pricing power
Market accessibility
Demand predictability

5. Climate & Environmental Risk

What it measures:

Climate change vulnerability
Environmental compliance
Resource sustainability
Adaptation measures
Environmental impact

Indicators:

Climate exposure
Adaptation capacity
Environmental compliance
Resource efficiency
Sustainability practices

6. Governance & Legal Risk

What it measures:

Organizational structure and governance
Legal compliance
Regulatory adherence
Contract management
Dispute resolution

Indicators:

Governance structure
Regulatory compliance
Legal standing
Contract coverage
Risk oversight

7. Technology & Data Risk

What it measures:

Technology adoption and integration
Data management practices
Cybersecurity measures
Digital literacy
Innovation capacity

Indicators:

Technology infrastructure
Data quality and security
Digital skills
System reliability
Innovation adoption

Viewing Category Details

Click “View Details” on any category card to see:

Category Score: Overall score for this dimension
5 Subcategory Scores: Individual indicator ratings
Evidence Narrative: AI explanation with citations
Risk Factors: Specific concerns identified
Recommendations: Targeted mitigation actions

Subcategory Scores and Indicators

Each category contains 5 subcategory indicators scored individually:

Indicator Components

Name: Specific risk factor (e.g., “Revenue Diversification”) Score: 0-100 value for this indicator Level: Traffic-light classification (Low/Moderate/High/Critical) Evidence: Text explaining the score with document citations Mitigation: Suggested actions to improve this indicator

Example: Financial Risk Subcategories

Indicator	Score	Level	Key Finding
Revenue Diversification	45	HIGH	Single crop (coffee) represents 87% of revenue
Profitability Trends	62	MODERATE	Margins improving but still below sector average
Liquidity Position	38	HIGH	Current ratio of 0.8, insufficient working capital
Leverage Ratios	71	MODERATE	Debt-to-equity at 1.2, manageable but high
Financial Controls	55	MODERATE	Basic accounting but no formal budgeting process

Evidence and Narratives

The AI generates evidence narratives explaining each score:

Evidence Structure

Components:

Summary statement: Brief overall assessment
Key findings: Bulleted list of main observations
Document citations: References to source material (page numbers)
Data points: Specific metrics or facts extracted
Risk implications: How findings affect the score

Example Evidence Narrative

Financial Risk - Revenue Diversification (Score: 45/100 - HIGH RISK)

The business shows significant revenue concentration risk. Analysis of 
the financial statements (p. 12-14) reveals:

• Coffee sales account for 87% of total revenue ($234K of $269K)
• Only two other revenue streams: vegetables (8%) and dairy (5%)
• No evidence of value-added products or processing
• Revenue from top customer represents 34% of total sales
• No contracts or agreements securing multi-year revenue

This concentration exposes the business to:
- Coffee price volatility (prices dropped 23% in 2025)
- Single-crop disease or pest risks
- Customer dependency vulnerabilities
- Seasonal cash flow gaps

Immediate diversification is recommended to reduce financial vulnerability.

Interpreting Citations

Document references appear as:

(p. 12-14) - Pages 12 through 14 of uploaded PDF
(Business Plan, Section 3) - Specific section reference
(Financial Statements 2025, Income Statement) - Document and table

Click citations to jump to the source document (if enabled).

AI Limitations: Evidence is extracted automatically. Always verify critical findings against source documents, especially for high-stakes decisions.

Recommendations

Each category and subcategory includes actionable recommendations:

Recommendation Structure

Priority: HIGH, MEDIUM, or LOW Text: Specific action to take Impact: Expected effect on risk score Timeframe: Suggested implementation timeline

Priority Levels

Priority	Badge Color	Meaning	Typical Timeframe
HIGH	Red	Critical action, addresses severe risk	Immediate (0-30 days)
MEDIUM	Orange	Important improvement, material impact	Short-term (1-3 months)
LOW	Yellow	Enhancement opportunity, minor impact	Medium-term (3-6 months)

Example Recommendations

Sample HIGH priority recommendation:

Priority: HIGH
Category: Financial Risk - Revenue Diversification

Recommendation:
"Develop and launch at least two new revenue streams within 90 days 
to reduce dependency on coffee sales. Consider value-added processing 
(coffee roasting), complementary crops (avocados, macadamia), or 
agritourism services."

Expected Impact: +8 to +12 points in Revenue Diversification score
Timeframe: 0-90 days
Cost: Low to moderate (seed capital for new products)

Editing Recommendations

Administrators can edit recommendations:

Click “Edit” next to any recommendation
Modify the text to add context or local specifics
Save changes
Edited recommendations show a “(Edited)” tag
Original AI text is preserved in history

Radar Chart Visualization

The radar chart provides a visual overview of category scores:

Reading the Radar Chart

Axes: Each of the 7 corners represents a risk category Scale: 0 (center) to 100 (outer edge) Filled area: Shows actual scores across categories Shape interpretation:

Balanced shape: Consistent performance across categories
Irregular shape: Strengths and weaknesses in different areas
Small shape: High overall risk (low scores)
Large shape: Low overall risk (high scores)

Spotting Patterns

Indented corners: Categories with lower scores (higher risk)

Focus improvement efforts here
May drag down overall score
Review subcategory details for root causes

Extended corners: Categories with higher scores (lower risk)

Strengths to leverage
May indicate mature controls
Potential to share best practices

Executive Summary

The Executive Summary section provides a high-level overview suitable for stakeholders:

Summary Components

Overall Assessment: 2-3 sentence business characterization Key Strengths: 3-5 bullet points highlighting low-risk areas Primary Concerns: 3-5 bullet points on high-risk areas Critical Actions: Top 3 recommendations (HIGH priority only) Risk Outlook: Forward-looking statement on risk trajectory

Example Executive Summary

EXECUTIVE SUMMARY
Sunrise Agro Ltd. - Q1 2026 Risk Assessment

Overall Risk Score: 58/100 (MODERATE RISK)

Sunrise Agro is a growing organic farm cooperative with promising 
operations but significant financial and market risks requiring 
attention. The business demonstrates strong governance and environmental 
practices but faces revenue concentration and cash flow challenges.

KEY STRENGTHS:
✓ Well-established governance structure with active board oversight
✓ Strong environmental compliance and sustainability practices
✓ Experienced management team with deep agricultural expertise
✓ Diversified supplier base reducing input cost risks
✓ Growing market demand for organic products

PRIMARY CONCERNS:
⚠ High revenue concentration in coffee (87% of sales)
⚠ Insufficient working capital (current ratio 0.8)
⚠ Single major customer represents 34% of revenue
⚠ Limited climate adaptation measures despite exposure
⚠ No formal financial planning or budgeting process

CRITICAL ACTIONS (Next 90 Days):
1. Develop revenue diversification plan with 2+ new product lines
2. Secure working capital facility to improve liquidity position
3. Implement formal budgeting and cash flow forecasting

RISK OUTLOOK:
With targeted interventions in financial management and revenue 
diversification, Sunrise Agro has potential to reduce risk profile 
to LOW (75+) within 12 months. Current trajectory without action 
likely leads to increased financial stress.

Comparing Assessments

Track risk evolution over time:

Accessing Historical Assessments

View all assessments for a company on the dashboard
Filter by company name to see timeline
Compare scores quarter-over-quarter or year-over-year

Key Comparison Metrics

Score trends:

Is overall risk increasing or decreasing?
Which categories show improvement?
Which categories are deteriorating?

Recommendation completion:

Were previous HIGH priority actions taken?
Did scores improve as expected?
What new risks emerged?

Version comparison:

How has the business evolved?
Are controls strengthening?
Is documentation improving?

Trend Analysis: The platform doesn’t currently include automated trend charts, but you can manually track scores in a spreadsheet for longitudinal analysis.

Taking Action on Results

Best Practices

Interpreting Scores in Context

Compare against sector benchmarks when available
Consider business stage (startup vs. established)
Account for external factors (market conditions, climate events)
Review trends over time, not just absolute scores
Balance quantitative scores with qualitative judgment

Using Evidence Effectively

Always verify critical findings in source documents
Look for patterns across multiple evidence points
Consider data freshness (recent vs. outdated information)
Flag evidence gaps for follow-up with business
Use citations in discussions to maintain credibility

Acting on Recommendations

Focus on HIGH priority items first
Group related recommendations for efficiency
Involve business owners in implementation planning
Set realistic timelines based on capacity
Track completion and measure impact
Reassess after major changes

​Interpreting Assessment Results

​Overview

​Accessing Your Results

​Understanding the Overall Risk Score

​Score Components

​Risk Levels (Traffic Lights)

​Score Interpretation Guide

​Category-Level Risk Scores

​The 7 Risk Categories

​1. Behavioral Risk

​2. Operational Risk

​3. Financial Risk

​4. Market Risk

​5. Climate & Environmental Risk

​6. Governance & Legal Risk

​7. Technology & Data Risk

​Viewing Category Details

​Subcategory Scores and Indicators

​Indicator Components

​Example: Financial Risk Subcategories

​Evidence and Narratives

​Evidence Structure

​Example Evidence Narrative

​Interpreting Citations

​Recommendations

​Recommendation Structure

​Priority Levels

​Example Recommendations

​Editing Recommendations

​Radar Chart Visualization

​Reading the Radar Chart

​Spotting Patterns

​Executive Summary

​Summary Components

​Example Executive Summary

​Comparing Assessments

​Accessing Historical Assessments

​Key Comparison Metrics

​Taking Action on Results

​Best Practices

​Next Steps

Interpreting Assessment Results

Overview

Accessing Your Results

Understanding the Overall Risk Score

Score Components

Risk Levels (Traffic Lights)

Score Interpretation Guide

Category-Level Risk Scores

The 7 Risk Categories

1. Behavioral Risk

2. Operational Risk

3. Financial Risk

4. Market Risk

5. Climate & Environmental Risk

6. Governance & Legal Risk

7. Technology & Data Risk

Viewing Category Details

Subcategory Scores and Indicators

Indicator Components

Example: Financial Risk Subcategories

Evidence and Narratives

Evidence Structure

Example Evidence Narrative

Interpreting Citations

Recommendations

Recommendation Structure

Priority Levels

Example Recommendations

Editing Recommendations

Radar Chart Visualization

Reading the Radar Chart

Spotting Patterns

Executive Summary

Summary Components

Example Executive Summary

Comparing Assessments

Accessing Historical Assessments

Key Comparison Metrics

Taking Action on Results

Best Practices

Next Steps