Credit-check any
UK company in 60 seconds
AI-powered credit score, solvency analysis, background check, Gazette insolvency screening, and news search — all from official UK sources. 3 free checks to start.
Get a preliminary signal instantly · full report free after signup
60s
Average time to result
19
Financial ratios computed
5
Official UK data sources
12
Weighted scoring factors
The platform
Everything you need to assess
any UK company
One platform. Five official data sources. Instant answers.
A composite credit score built from 12 weighted factors
An instant 0–100 credit score built from Altman Z-Score, liquidity ratios, leverage metrics, filing compliance, Gazette notices, and more. The score adapts intelligently when data is limited.
- Altman Z'-Score: solvency & bankruptcy prediction
- Beneish M-Score: earnings manipulation detection
- 19 financial ratios across 4 categories
- Red flag detection with severity ratings
Simple & fast
From company name to credit verdict
in under 60 seconds
Search any UK company
Enter a company name or number. We instantly pull the latest data from Companies House, The Gazette, HMRC, OFSI, and ONS.
AI analyses in seconds
Our engine parses the filed accounts, computes 19 financial ratios, screens for insolvency signals, checks sanctions, and searches recent news.
Get a clear verdict
A 0–100 credit score with plain-English commentary, risk alerts flagged by severity, and a downloadable PDF report.
Why FinancialInsight
More than Companies House.
More affordable than credit bureaus.
Companies House gives you raw data. Credit reference agencies charge £30+ per report. We give you AI-interpreted insights from official sources at a fraction of the cost.
| Feature | FinancialInsightfrom £1.20 | Companies HouseFree, manual | CRA Reports£30–£50 each |
|---|---|---|---|
| Credit score (0–100) | No | Varies | |
| AI narrative report | No | No | |
| Gazette insolvency screening | Manual | ||
| OFSI sanctions screening | No | Varies | |
| Director background check | Manual | ||
| Recent news search (AI) | No | No | |
| Time to result | 60s | 30m | 5m |
| Cost per check | from £1.20 | Free | £30+ |
CRA = credit reference agencies (Experian, Creditsafe, etc.) · Prices and features approximate.
“I’ve reviewed 500+ UK company credit applications by hand — cross-referencing Companies House, The Gazette, and sanctions lists one tab at a time. FinancialInsight is the tool I wish I’d had: every official source in one 60-second check, with a clear score and a plain-English verdict.”
Simon Deshayes
Founder, FinancialInsight
Built on official UK data — not resold
Every check is sourced directly from five official UK government datasets. No data brokers, no resellers — just the primary record, interpreted by AI.
Who it's for
Built for every team that
deals with company risk
Credit Controllers
Vet new customers before extending payment terms. Set data-backed credit limits, not guesswork.
Accountants
Screen new clients during onboarding. Spot financial distress signals early. Export branded PDF reports.
Procurement Teams
Screen suppliers before signing contracts. Catch solvency deterioration in your supply chain early.
Compliance Officers
Screen directors against UK sanctions. Check for disqualified officers. Verify VAT registrations.
Pricing
No subscription. Pay only for
what you use.
Start with 3 free checks. Credits never expire — use them whenever you need.
3 free checks
£0
No card needed
5 checks
£10
£2.00 each
10 checks
£16
Save 20%£1.60 each
25 checks
£35
Save 30%£1.40 each
Every check includes credit score, background check, AI report, Gazette screening, and news search.
See full pricing details →Frequently asked questions
Everything you need to know before getting started.
Our composite 0–100 score draws on 12 weighted factors: Altman Z-Score (18%), liquidity ratios (14%), leverage (14%), filing compliance (12%), profitability (10%), company age (8%), Gazette notices (6%), debt serviceability (6%), risk signals (5%), secured debt (4%), sanctions (2%), and director checks (1%). Weights adapt automatically when data is unavailable.
Every new account gets 3 free credit checks — no card required. After that, credits start at £2 each (5-pack) and get cheaper as you buy more: £1.60 each (10-pack), £1.40 each (25-pack), £1.20 each (50-pack). Each credit covers one complete analysis. There is no subscription and credits never expire.
Yes. Many UK SMEs and micro-entities file balance-sheet-only accounts. Our scoring engine adapts — it relies more heavily on compliance, company age, Gazette signals, and KYC data when P&L figures aren’t available, and clearly flags when a score is based on limited data.
Five official UK government sources: Companies House (company data, filings, directors, charges), The Gazette (insolvency and legal notices), OFSI (UK sanctions list), HMRC (VAT number validation), and ONS (industry benchmark ratios).
When you open the News tab on a company, our AI engine searches the public web for recent articles, press releases, court notices, and regulatory announcements about that company. It categorises findings by type and sentiment, and links to primary sources.
Credit-check data is sourced from public UK government APIs. Authentication and storage run on infrastructure with industry-standard security, and payments are handled entirely by Stripe — we never see or store card details. Financial accounts you upload are processed to produce your analysis and are not sold or shared.
Know who you’re doing
business with.
Credit controllers, accountants, and procurement teams use FinancialInsight to make faster, safer decisions — backed by official UK data.
No credit card · No subscription · Credits never expire