Company Credit Check

A company credit check provides essential information to help you protect your business against bad debt. Company Check provides more than 10,000 company credit check reports to business owners just like you every day.

How to access company credit check reports

Use the search box above to locate the subject company and click Buy Now. You will have the option to unlock a single report or subscribe to one of our plans below:

What’s included in a company credit check report?

In addition to free public record information supplied direct from Companies House, our company credit check reports include:

Credit Risk Score

Credit risk is a measure of how likely it is that a business will become insolvent within 12 months. Scored out of 100, the credit risk score gives you a simple metric to understand any risks associated with an existing or potential business deal.

Credit Limit

A credit limit offers a simple guideline on how much credit to extend to a business at any one time. This ensures credit terms can be agreed with confidence and enables you to protect your own business against bad debt.

County Court Judgements

Judgements refer to a debt settled via court and have a substantial impact on the company's credit rating. A company credit check report details the total sum of debts owed, alongside dates and values of any paid or unpaid CCJs registered against a company within the last 6 years.

Financials

Company Check digitises figures from official Companies House documents to give you instant access to accounting records in an easy to read desktop format. Key financials such as Cash at bank, Net Worth, Assets and Liabilities are graphed and you can also download full year on year figures for use in internal systems, analysis, marketing and more.

Key Risk Factors

Understanding the methods used to calculate risk ensures you can make informed decisions with confidence. Our reports list key positive, neutral and negative factors that contribute to a company's current credit status.

Director & Secretary Timeline

Visualising current and historic appointments, the timeline gives a quick overview, while the full breakdown includes the role of individuals within the company, how long they’ve been involved in the business and appointments at other companies.

Shareholders

Find out who has invested in a company. Review the top 20 shareholders including name, capital, share value, type and % ownership visualised in easy to view graphs.

Structure

Using data extracted from a company's Annual Returns, understand where this company sits within the group structure. Includes name and address of the ultimate holding company (parent) and all subsidiaries.

Mortgages and Charges

Review the combined value of all satisfied and outstanding loans recorded at Companies House. Analyse further by type, date, status and who the debt is owed.

Event History

A timeline of key events going back to incorporation. The event history pinpoints newsworthy updates including change of name, director appointments and Companies House document filings.

FAQs

How is Company Credit Risk information calculated?

Risk Scores are calculated using a unique algorithm that analyses historic insolvency rates in order to generate key risk variables. These variables are essential in predicting the future behaviour of a company and adjusted based on business size and industry. The scoring algorithm is re-assessed quarterly to give you the most up to date and relevant rating possible.

How is the Credit Limit calculated?

Credit Limits are calculated by analysing a company's financial position in conjunction with the credit risk rating. Typically if a company has a positive rating and key financials such as Net Worth, Working Capital, Net Cash Flow Operations, Debtors & Cash and Turnover are all of high value, then a company will be assigned a reasonable credit limit. If these values are low (or negative) then the credit limit decision will reflect this.

What factors contribute to the score and limit of a company?

Our company credit check algorithm take into account the following factors:

Age of company
Company size
Financial performance
Age of financials
Comments from independent auditors
Director's history and performance
Group influence
Demographics
Mortgage data
Industry insolvency trends
Number of CCJ's
Value and frequency of CCJs
Time critical filings

How often is the Risk Score and Credit Limit calculated?

Daily feeds are taken from official sources to update reports on a real time basis.