摘要：The paper discusses the evaluation of the financial stability of an enterprise, depending on the business potential of a municipality. The aim of the research is to prove a relation of the prediction models and their ability to predict the financial ability of an enterprise depending on sample clusters of the business potential in a municipality. In the first part of the research, the municipalities are clustered using the cluster analysis and the municipalities are classified into four clusters - economic, social, infrastructural, and environmental. Subsequently, financial data on business entities located in the area are used and the prediction models are calculated using the Czech indices of the Neumaiers. The results are further graphically evaluated in terms of size and sectors of the enterprise. The ANOVA method is verified to assess the independence of the creditworthiness models on sample clusters. Regarding the method and the analytical tool, it is possible to state their suitable choice; the outputs are relevant, valid, and usable in practice. The influence of the creditworthiness on the environmental cluster in the area is proved.
