Company Credit Score UK
Get an instant 0–100 credit score for any UK company. Computed from 12 weighted factors including the Altman Z-Score, financial ratios, filing compliance, and Gazette insolvency notices. Free to start — no credit card needed.
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What the credit score includes
Composite Score (0–100)
12 weighted factors combined into a single 0–100 rating with a risk band: Very Low, Low, Medium, High, or Very High Risk.
Score Breakdown
See exactly what drives the score — each of the 12 factors is shown individually with its weight and contribution so you understand the verdict.
Altman Z-Score
Academically validated solvency model. Safe zone (>2.9), grey zone (1.23–2.9), or distress zone (<1.23) — automatically computed from filed accounts.
Beneish M-Score
Earnings manipulation detection model. Flags companies that may be inflating reported profits — a signal used by forensic accountants.
Industry Benchmarks
Compare each ratio against ONS Annual Business Survey data for the same SIC code — see whether the company outperforms or underperforms its sector.
Year-on-Year Trend
Side-by-side comparison of this year versus prior year across all 19 ratios — spot deteriorating trends before they become crises.
Understanding UK company credit score bands
Strong financials, clean compliance record, established company. Extend credit with confidence.
Healthy fundamentals with minor concerns. Standard credit terms appropriate.
Some financial stress or compliance gaps. Consider shorter payment terms or credit insurance.
Significant distress signals. Require upfront payment or personal guarantee.
Severe distress or insolvency indicators. Do not extend unsecured credit.
How UK company credit scores are computed
Unlike consumer credit scores (Equifax, Experian, TransUnion), UK business credit scores are computed from publicly available company data. The primary source is Companies House — the UK government registry where all limited companies must file annual accounts, confirmation statements, and report director changes.
FinancialInsight builds its composite score from three tiers of data: financial metrics (ratios computed from filed accounts), compliance signals (filing timeliness, overdue accounts, confirmation statement status), and external risk data (Gazette insolvency notices, OFSI sanctions screening, registered charges).
A key advantage of FinancialInsight is its handling of micro-entity and abridged accounts — a common filing type for UK SMEs with turnover under £10.2m. When a P&L is unavailable (as permitted under Companies Act 2006 s.444), the scoring engine automatically redistributes weight to non-financial signals, ensuring every registered UK company receives a meaningful rating.
Frequently asked questions
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