Question 1

Is the free company credit check genuinely free?

Accepted Answer

Yes — every new account gets 3 full credit checks with no credit card required, no trial that auto-renews, and no hidden fees. The free checks include the complete credit score, all 19 financial ratios, director background check, Gazette insolvency screening, and PDF export.

Question 2

What is the difference between the free and paid credit check?

Accepted Answer

Nothing — every check includes the full platform: credit score, background check, financial ratios, Gazette screening, AI news search, and PDF export. The first 3 checks are free; after that you buy credits as you need them, from £10 for 5 analyses down to £1.20 each in the 50-pack. No subscription, and credits never expire.

Question 3

Do I need to create an account for a free company credit check?

Accepted Answer

Yes — a free account (email + password, or Google sign-in) unlocks your 3 free checks, saves your analysis history, and enables PDF export. No credit card is asked for at any point during sign-up.

Question 4

Why is FinancialInsight cheaper than other tools?

Accepted Answer

FinancialInsight sources data from free UK government APIs (Companies House, The Gazette, OFSI, HMRC) rather than purchasing data from commercial bureaus. This eliminates the per-report data cost that forces traditional credit agencies to charge much more per report.

Question 5

How many companies can I check for free?

Accepted Answer

Every new account includes 3 free credit checks. Each check is a full analysis — credit score, ratios, background check, Gazette screening, and AI news search. When you need more, credit packs start at £10 for 5 analyses and go as low as £1.20 per analysis. Credits never expire.

Feature	FinancialInsight (Free)	Creditsafe	Experian
Credit score	✅ Free	£2–8/report	£5–15/report
Financial ratios (19)	✅ Free	✅ Paid	✅ Paid
Director background check	✅ Free	✅ Paid	✅ Paid
Gazette insolvency check	✅ Free	✅ Paid	✅ Paid
Sanctions screening	✅ Free	✅ Paid	✅ Paid
PDF export	✅ Free	✅ Paid	✅ Paid
AI narrative report	✅ Free	❌	❌
Contract required	❌ No	✅ Yes	✅ Yes
Credit card needed	❌ No	✅ Yes	✅ Yes

Free Company Credit Check UK

What you get for free

3 Free Checks to Start

Full Credit Score

Financial Ratios

Background Check

Gazette Screening

PDF Report Export

How does FinancialInsight compare to paid tools?

Frequently asked questions

Start your free company credit checks