"Financial ratios are not sufficient in determining a company's credit worthiness"

The reason provided is that other factors should be provided, such as “examining the entire operation of the company, meeting with management, touring company facilities, and so forth”.

I gotta admit, i didn’t understand anything from the reasons provided. What is “the entire operation of the company”, i also google “touring company facilities”, nothing came out.

Can someone provide me an intuititive response to the reasons that make financial ratios insufficient in determining a company’s credit worthiness?