The platform
Everything you need to assess
any UK company
One platform powered by five official UK government data sources. Credit scores, background checks, AI-powered analysis, and insolvency screening — all in one place.
0–100 rating built from 12 weighted factors
Our credit score is a composite of financial strength, compliance history, and external risk signals. It adapts automatically when data is limited — even micro-entity balance-sheet-only accounts receive a meaningful rating.
- Altman Z'-Score (18%) — Proven bankruptcy prediction model adapted for UK SMEs
- Liquidity ratios (14%) — Current ratio, quick ratio, and working capital analysis
- Leverage & solvency (14%) — Equity ratio and gearing — UK-appropriate measures
- Filing compliance (12%) — Accounts overdue, late filings, confirmation statement status
- Profitability (10%) — Net margin, EBITDA margin, return on assets
- Company age (8%) — Statistical default probability by company age band
Our AI searches the web for material company news
Every credit check includes an AI news tab. Our engine searches recent news, legal notices, press releases, and regulatory announcements to surface material developments — things that never show up in filed accounts.
- Financial developments — Fundraising, losses, trading updates, profit warnings
- Legal & regulatory — Court proceedings, CCJs, FCA/HMRC investigations, disqualifications
- Leadership changes — Director departures, appointments, and restructuring announcements
- Insolvency signals — Winding-up petitions, administration rumours, creditor disputes
- Sentiment classification — Each item rated positive / negative / neutral for quick scanning
- Source links — Every article links to the original source — no black boxes
KYC-grade screening from official UK sources
Every credit check includes a full background screen. Directors are cross-checked against the OFSI UK Consolidated Sanctions List. Beneficial owners (PSCs) are identified. Registered charges reveal secured lending.
- Director search — Active directors, appointment history, resignation dates
- PSC tracing — Persons with Significant Control — beneficial ownership
- OFSI sanctions screening — UK Office of Financial Sanctions Implementation list
- Disqualified director check — Cross-reference against Companies House disqualification register
- Registered charges — Outstanding and satisfied secured lending history
- Gazette insolvency notices — Winding-up, administration, CVA, dissolution notices
Six UK government data sources — always accurate, always current
FinancialInsight is built exclusively on authoritative UK public data. No third-party data resellers. No stale databases. Every data point links back to an official government source.
- Companies House — Company profile, filings, directors, charges, PSCs, filing history
- The Gazette — Official UK statutory notices: insolvency, winding-up, administration
- OFSI — UK Office of Financial Sanctions Implementation consolidated list
- HMRC — VAT number validation and business name cross-check
- ONS — Annual Business Survey industry benchmark ratios by SIC code
- Payment Practices Reporting — Invoice payment performance large UK businesses must publish — average days to pay, % paid late, and the trend. Contains public sector information licensed under the Open Government Licence v3.0.
Who uses FinancialInsight?
Built for every team that needs to assess whether a UK company is creditworthy.
Credit Controllers
Run instant credit checks on new customers before extending payment terms. Set data-backed credit limits. Flag high-risk accounts automatically.
Accountants & Advisors
Screen new clients during onboarding. Produce branded PDF credit reports for client presentations. Spot financial distress before it becomes a problem.
Procurement Teams
Assess supplier solvency risk before signing contracts. Monitor key suppliers for financial distress signals that could disrupt your supply chain.
Compliance & Legal
Screen directors against UK sanctions lists. Verify VAT registrations. Run KYB checks before entering business relationships.