Question 1

How do I check the credit score of a UK company?

Accepted Answer

FinancialInsight AI lets you look up any UK company on Companies House and instantly generates a composite credit score from 0 to 100. The score is computed from 12 weighted factors including Altman Z-Score, liquidity, leverage, filing compliance, Gazette insolvency notices, and director checks. Three free credit checks per month — no credit card required.

Question 2

What is the Altman Z-Score and why does it matter for credit checks?

Accepted Answer

The Altman Z-Score is a formula that predicts the likelihood of a company going bankrupt within two years. A score above 2.9 is in the safe zone, 1.23 to 2.9 is the grey zone, and below 1.23 indicates distress. FinancialInsight AI uses the Z-Score as one of 12 factors in its composite credit score to assess solvency risk.

Question 3

Can I run a background check on a UK company for free?

Accepted Answer

Yes. FinancialInsight AI provides a free background check that includes director details, Persons with Significant Control (PSC), registered charges (secured debt), filing compliance, and OFSI sanctions screening — all sourced from Companies House. Paid plans add Gazette insolvency notices, disqualified director cross-checks, HMRC VAT validation, and ONS industry benchmarks.

Question 4

What data sources does FinancialInsight AI use for credit checks?

Accepted Answer

FinancialInsight AI uses five official UK data sources: Companies House (company data, directors, filings, charges), The Gazette (insolvency and legal notices), OFSI (UK sanctions list), HMRC (VAT number validation), and ONS (industry benchmark ratios from the Annual Business Survey).

Question 5

How is the credit score calculated?

Accepted Answer

The FinancialInsight AI credit score is a composite 0–100 rating computed from 12 weighted factors: Altman Z-Score (18%), liquidity ratios (14%), leverage ratios (14%), filing compliance (12%), profitability (10%), company age (8%), Gazette notices (6%), debt serviceability (6%), risk signals (5%), secured debt (4%), sanctions exposure (2%), and director checks (1%). Weights adapt automatically when data is unavailable.

Question 6

Can I check if a UK company director is disqualified or sanctioned?

Accepted Answer

Yes. FinancialInsight AI screens all active directors against the OFSI UK sanctions list for free. On paid plans, it also cross-checks directors against the Companies House disqualified officers register and flags any potential matches for manual verification.

Question 7

Who uses FinancialInsight AI for credit checks?

Accepted Answer

FinancialInsight AI is used by credit controllers vetting new customers, procurement teams checking supplier solvency, accountants assessing client creditworthiness, lenders evaluating loan applications, and compliance teams running background checks on UK companies.