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: Low, Modest, Medium, Elevated, or 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.
Broadly healthy, with a few areas worth monitoring. 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
A UK company credit score is a numerical rating of a company's creditworthiness — its ability to meet financial obligations. FinancialInsight computes a composite 0–100 score from 12 factors: financial ratios (liquidity, leverage, profitability), the Altman Z-Score solvency model, filing compliance history, company age, Gazette insolvency notices, registered charges, and director checks.
The FinancialInsight score uses 12 weighted factors: Altman Z-Score (18%), liquidity (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 adjust automatically when data is unavailable — such as for micro-entity accounts.
On the FinancialInsight scale, 80–100 is Low risk, 65–79 is Modest risk, 50–64 is Medium risk, 35–49 is Elevated risk, and 0–34 is High risk. A score of 70 sits in the Modest risk band — broadly healthy, with a few areas worth monitoring before extending terms. It is generally acceptable for standard trade credit terms.
Yes. FinancialInsight provides 3 free full credit scores with no credit card required. Each free check includes the composite score, Altman Z-Score, 19 financial ratios, red flag detection, and a plain-English AI narrative. After that, credit packs start at £10 for 5 analyses — no subscription, and credits never expire.
A UK company credit score (also called a business credit rating) assesses a company's financial health using filed accounts, public records, and compliance data. It is separate from the personal credit scores of directors. FinancialInsight only assesses company creditworthiness, not individuals.
Any company registered with Companies House — limited companies (Ltd, PLC), LLPs, and community interest companies. The score quality depends on how recently the company has filed accounts. Companies filing full accounts receive richer scores than those filing micro-entity balance-sheet-only accounts.
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