UK Company Credit Check
Instantly check the creditworthiness of any UK company. Get a composite credit score, solvency analysis, director background check, and insolvency screening — all from official UK government data. Free to start.
3 free checks to start · No credit card required
Get a preliminary signal instantly · full report free after signup
What's included in a UK company credit check
Composite Credit Score (0–100)
Rated from 12 weighted factors including Altman Z-Score, liquidity, leverage, filing compliance, and Gazette insolvency notices.
Altman Z-Score
The industry-standard bankruptcy prediction model adapted for UK private companies. Scores below 1.23 indicate distress; above 2.9 is the safe zone.
Gazette Insolvency Screening
Searches The Gazette — official UK public record — for winding-up petitions, administration notices, CVAs, and dissolution orders.
Director Background Check
Active directors, Persons with Significant Control, and cross-check against the OFSI UK Consolidated Sanctions List.
19 Financial Ratios
Liquidity (current, quick), leverage (gearing, equity ratio), profitability (margins, ROA), and efficiency (DSO, DPO, asset turnover).
HMRC VAT Validation
Validates the company's VAT number against HMRC and cross-checks the registered business name against Companies House.
How a UK company credit check works
A UK company credit check is an assessment of a company's financial health, payment reliability, and overall creditworthiness. Businesses run credit checks on potential customers, suppliers, and partners before extending payment terms, signing contracts, or making lending decisions.
Traditional credit bureaus like Creditsafe, Experian, and Dun & Bradstreet charge per report and require commercial contracts. FinancialInsight provides a free alternative by sourcing data directly from official UK government APIs: Companies House for financial filings and director data, The Gazette for insolvency notices, OFSI for sanctions screening, and HMRC for VAT validation.
The resulting credit score is computed from 12 weighted factors, adapting intelligently when data is limited. Many UK SMEs file abridged or micro-entity accounts with no P&L — the scoring engine handles this gracefully, falling back on compliance history, company age, Gazette signals, and director checks when financial statements are unavailable.
Frequently asked questions
Enter the company name or Companies House number on FinancialInsight. The tool retrieves data from Companies House, The Gazette, OFSI, and HMRC, then computes a composite credit score (0–100) alongside a plain-English risk assessment. Sign-up is free and your first 3 checks cost nothing.
Yes — FinancialInsight offers 3 free full credit checks to every new account. Each check includes the credit score, Altman Z-Score, financial ratios, director background check, Gazette insolvency screening, and OFSI sanctions screening. After that, credit packs start at £10 for 5 analyses with no subscription.
A full check on FinancialInsight includes: composite credit score (0–100), Altman Z-Score solvency prediction, Beneish M-Score earnings analysis, 19 financial ratios, red flag detection, director and PSC background checks, OFSI UK sanctions screening, Gazette insolvency notices, HMRC VAT validation, and ONS industry benchmark comparison.
Yes. FinancialInsight sources all financial data directly from Companies House — the UK's official registry. It downloads and parses filed accounts automatically, then computes ratios and scores you would otherwise calculate manually.
Credit controllers before extending payment terms, procurement teams vetting suppliers, accountants onboarding clients, lenders evaluating applications, compliance officers running KYB checks, and sales teams qualifying new accounts.
Run your first UK company credit check free
3 free checks to start · No credit card · Instant results