Business Credit Reports

Why use a Business Credit Report?

Whether you are reviewing the credit status of your own company, or that of a potential supplier or customer, our business credit report will provide you with all available data.

All information in one place
Whilst a company's Accounts and other official documents filed at the registry are useful in compiling an opinion on a company's status, our Business Credit Reports give you all of the information you need in one easy to read report. Not only do we include information filed by the company at the registry, we also include CCJ information sourced from the Registry Trust (via Creditsafe Business Solutions Limited) and winding up petitions published in the Gazettes.

Know your risks
Our business credit reports provide you with an easy to use Credit Risk Score. The score ranges from 0 (high risk) to 100 (least risk) and predicts the likelihood of the company becoming insolvent within the next 12 months. Our scores are based on thorough analysis of the company accounts and all of the data sources available to us.

Current financial status
All companies are required to file accounts annually. These accounts however, provide an overdue of a company's financial status for the period they were filed. This is usually 12 months or more. Our analysts work round the clock to ensure our algorithms use the widest range of available data to provide an overdue of a company's financial status today, not 12 months ago.

Keep up to date
All credit reports come with free company monitoring by default. This means that if there is a change to the company's credit status, you are alerted straight away. Equally if new accounts are filed or directors appointed, you will be notified.

Content of a Business Credit Report

The business credit report available on ukdata.com contains the following sections. Please note, the level of financial data included in the report i dependant on the type of Accounts submitted by the company.

Statutory information

Name, address, registration date, company number, status and accounts filed.

Risk information

Current and previous risk scores, credit limit, contract limit, CCJ summary.

Ownership

Holding companies, parent companies, subsidiaries, share capital, shareholders, mortgages, charges and satisfactions.

Profit & Loss account

Extracts from the last five years of Accounts filed at Companies House. Small companies are not required to file a Profit and Loss account. Medium companies may file abbreviated Profit and Loss account.

Balance sheet

Five years balance sheet items, cash flow statement. Small companies may file an abbreviated balance sheet.

Cash flow ratios

Lists the main liquidity, performance, leverage and gearing ratios.

Accounts notes

Exports, audit fees, intermediate assets, bank overdraft, and finance due to directors and group.

Growth rates

Percentage growth measurements for one, two, three, and four year periods.

Filing history from Companies House

Name changes, mortgage documents and other filings.

Officers

Current and previous directors and secretaries, including name, address and date of birth and any other directorships along with relevant risk scores.

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