AR
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QSR franchisee

K-Mac Enterprises — KFC franchisee (Springdale)

1551 E Robinson Ave, Springdale, AR 72764·Founded 1968·1,200 employees·$115.0M revenue
56.0
Elevated
▲ 0.2 pts (7d)·updated 2 weeks ago
Live · 90-day window
Tier
Elevated

Multiple converging signals. Underwriter attention warranted this quarter.

Score history
56.0
7d Δ +0.2 · 30d high 66.1 · low 54.3

31 computed points across the 90-day window. Decay-weighted aggregate of 8 raw signals.

Top signals (30d)
0

—

Critical signals (sev ≥ 8)
0

Nothing critical on file.

DecisionUnderwriting verdict

Generate a binding-decision recommendation — disposition, premium guidance, and the drivers behind it — synthesized from this risk's signals, litigation, claims history, and comparable nuclear verdicts.

DECOMPOSITIONHow this score is built
OSHA Inspection Feed2 signals
+14.6 pts↑
whyTwo Serious violations cited at primary facility
UCC Filings4 signals
+12.2 pts↓
whyUCC-3 terminations on 4 of 11 tractors — equipment leaving fleet
Court Docket Scrape1 signal
+11.2 pts↓
whyPremises liability action — slip and fall, second this quarter
Permits / DBA / FBN Changes1 signal
+6.1 pts↑
whyPermit pulled for 'change of use' on insured premises
Baseline 12 · 44 pts from 8 active signals → 56
Signal timeline · last 90 days

What the fabric heard.

  1. OSHA Inspection Feed5 weeks agosev 6

    Two Serious violations cited at primary facility

    OSHA cited Serious violations for unguarded machinery and inadequate lockout/tagout. Proposed penalty $24,500 (pre-abatement reduction).

  2. UCC Filings5 weeks agosev 5

    Switched primary AR factor mid-quarter

    UCC-3 swap from RTS Financial to Triumph Business Capital mid-quarter. Indicates aging-AR pressure or breached covenants with prior factor.

  3. Permits / DBA / FBN Changes2 months agosev 5

    Permit pulled for 'change of use' on insured premises

    City permit filed converting insured warehouse to mixed retail. Conflicts with declared occupancy on bound policy; reclassification likely.

  4. UCC Filings2 months agosev 5

    Switched primary AR factor mid-quarter

    UCC-3 swap from RTS Financial to Triumph Business Capital mid-quarter. Indicates aging-AR pressure or breached covenants with prior factor.

  5. Court Docket Scrape2 months agosev 5

    Premises liability action — slip and fall, second this quarter

    Second premises slip-and-fall action filed against same location in 90 days. Same plaintiff firm on both. Pattern flag.

  6. UCC Filings2 months agosev 6

    UCC-3 terminations on 4 of 11 tractors — equipment leaving fleet

    UCC-3 termination statements filed against 4 of 11 secured tractors over 30 days. Suggests fleet downsizing or asset sale, not normal refinance pattern.

  7. UCC Filings3 months agosev 6

    UCC-3 terminations on 4 of 11 tractors — equipment leaving fleet

    UCC-3 termination statements filed against 4 of 11 secured tractors over 30 days. Suggests fleet downsizing or asset sale, not normal refinance pattern.

  8. OSHA Inspection Feed3 months agosev 6

    Two Serious violations cited at primary facility

    OSHA cited Serious violations for unguarded machinery and inadequate lockout/tagout. Proposed penalty $24,500 (pre-abatement reduction).

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