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UK company credit reports

Know the whole company in seconds.

Before you sign. While you trade. Before you sue.

One report shows whether a company can pay, who is behind it and what has already gone wrong, so you can set your terms, ask for guarantees, or decide whether to take them to court.

Searching is free. You only pay when you run a report.

  1. 1 · Before you signShould we give them credit?
  2. 2 · While you tradeAre they still good for the money?
  3. 3 · Before you sueIf we win, can they pay?

Every deal is a bet on facts you can’t see.

A company shows you what it wants you to see. The risk sits in what it doesn’t: how it pays its suppliers, what it owes, and who else is already chasing it.

What they show you

  • A smart website and a confident pitch
  • References they chose themselves
  • Their word that they always pay on time
  • A signed order and a promise

What the report shows you

  • How they really pay their suppliers
  • Their credit score, and which way it is moving
  • Filed accounts, every figure exact
  • Charges over their assets
  • CCJs and writs from other creditors
  • Who owns and runs the company

Here is how one report changes the decision at every stage. Meet Example Trading Limited.

1 of 3 · Before you sign

Should you give them credit, and how much?

A new customer wants 60-day terms on a large order. Before you sign, you check them. Example Trading scores 78 out of 100, with a recommended credit limit of £60,000.

The report tells you

  • The most they should owe you on open invoices at any one time
  • The largest contract to commit to, paid in stages
  • Their credit score, and the chance they stop trading within a year

So you can

  • Set terms within the limit
  • Take payment up front, or half
  • Ask for a personal guarantee
  • Stage a big contract
Two colleagues reviewing a supply contract before signing

2 of 3 · While you trade

Are they still good for the money?

Six months on, they want a bigger order on the same terms. Payments have started to slip, so you run a fresh report. The score has fallen to 44, and the recommended limit has been cut from £60,000 to £25,000.

The report tells you

  • How their score has moved, year by year
  • What their credit limit was, and what it is now
  • How many days beyond terms they pay their suppliers

So you can

  • Cut the credit limit
  • Ask for payment before the next delivery
  • Shorten terms
  • Ask for security
A finance manager checking a customer account on his laptop

3 of 3 · Before you sue

If you win, can they pay?

An invoice is long overdue and your solicitor is ready to issue a claim. Court costs money. Before you spend it, find out whether they can pay what they owe, and your costs if they lose, and who is already in the queue ahead of you.

The report tells you

  • Their cash, assets, liabilities and book value
  • Land and property they hold, and the charges registered against it
  • CCJs, writs and insolvency events from other creditors

So you can

  • Issue the claim
  • Negotiate a settlement
  • Save the legal fees
A solicitor reading a company report at her desk

Same company. Three decisions. One kind of report.

Run a report at any stage, on any UK limited company. Whether you are about to trade, already trading, or chasing what you are owed, you decide with the full facts in front of you.

  • Before you sign

    Terms, limits and guarantees

    Agree credit you can afford, or ask for money up front.

  • While you trade

    Spot the slide early

    Tighten terms before the next delivery, not after the last invoice.

  • Before you sue

    Litigate with your eyes open

    Know whether there is money to recover before you spend on fees.

Everything you get, in one report.

The register and trusted credit-reference data, brought together. Figures are shown exact, never rounded. Read it on screen, download it or print it.

Can they pay?

  • Credit score, band and risk rating
  • Recommended credit and contract limits
  • Chance of failure within 12 months
  • Rating and credit limit history
  • Payment behaviour and days beyond terms
  • Bad debt records
  • Credit enquiries

How are they doing?

  • Company summary: cash, assets, liabilities
  • Profit and loss, balance sheet and cash flow
  • Year-on-year change on every figure
  • Key ratios: profitability, liquidity, gearing
  • Employees by year
  • Plain-English commentary
  • Event history and filing record

Who is behind it, and what has gone wrong?

  • Directors, current and previous
  • Shareholders and people with significant control
  • Group companies
  • Land Registry property and charges
  • CCJs, possible CCJs and High Court writs
  • Insolvency events
  • The Companies House record

For everyone who carries the risk.

  • Solicitors and debt recovery
  • Accountants
  • Credit controllers
  • Finance directors
  • Contractors and subcontractors
  • Commercial landlords
  • Suppliers and wholesalers
  • Recruitment agencies
  • Procurement teams

Straightforward pricing.

Every full report uses 6 credits. One report on its own is £12. Buy credits in a bigger pack and each report costs less. No subscription. Prices exclude VAT.

Prefer to spread the cost? The same packs on a monthly plan are £11, £30 or £144 a month.

Checking companies every week? Volume pricing covers 101 to 2,500 credits. Ask us for a volume quote.

Credits never expire while your account is active.

Common questions

What’s in a report?

A credit score and risk rating, recommended credit and contract limits, full financial statements with year-on-year movement, directors and ownership, Land Registry property and charges, County Court Judgments and writs, plus the Companies House record, in one document.

Can I check a company I already trade with?

Yes. Run a report on any UK limited company at any time: before you trade, while you are trading, or when you are chasing a debt.

Where does the data come from?

The public register (Companies House) combined with trusted credit-reference data, brought together into one clear report.

Which companies are covered?

Any UK limited company. Search by name or by company number.

Do I need a subscription?

No. Buy a pack of credits and run reports whenever you need them. Monthly plans are available if you’d prefer, and work out cheaper per report.

How quickly do I get the report?

Instantly. The full report opens on screen the moment you run it, ready to read, download or print.

Your next decision deserves the full facts.

  1. Create your accountIt takes under a minute.
  2. Buy credits£12 for one report, less in a pack.
  3. Run your reportIt opens instantly.
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