Public buyers face reputational and operational risk when contracts are awarded to fragile suppliers. Credit scores are opaque and not defensible in audits, while manual checks are slow. Procurement officers, consultants, and foresight teams need an explainable framework: negative equity, solvency, liquidity, payment delays, benchmarked against peers. This segment builds a transparent, audit-proof red flag system, enabling defensible supplier screening and sector-wide policy insights.