How it works
You give us a company name. We read the official record so you don't have to, and give you one clear answer.
The three questions we answer
| Are they real and trading? | Registered status, company age, type, and registered office, the basics that a fake "Ltd" fails. |
|---|---|
| Are they in trouble? | Overdue accounts and confirmation statements (the earliest distress signal), plus any winding-up or insolvency notice published in The Gazette. |
| Who's behind it? | Every active director's other companies, how many are still going, how many have failed, and whether the pattern looks like a serial "phoenix". Plus the Disqualified Directors register. |
What's in the full report
The verdict is free. The full report backs it with the detail, so you can act with confidence, not just a colour.
| The verdict & score | A plain trade, caution or avoid call with a 0–100 safety score, and suggested credit terms: what to actually do next (invoice on 30 days, ask for a deposit, or walk away). |
|---|---|
| Why this score | Every point that moved the score, shown in full. We don't hide the workings, you see exactly what helped and what hurt, and can judge it yourself. |
| Financial health | The numbers from their filed accounts, net assets and whether they owe more than they own, so you're not guessing at their strength. (Where a small company files no figures publicly, we say so plainly rather than leave a blank.) |
| The people & the phoenix check | Everyone behind the company, and each person's other companies: how many still trade, how many have failed, and whether it looks like a serial "phoenix". This is the check a credit score is blind to. |
| Secured debt & charges | Who has a claim over their assets. If they fail, secured lenders are paid before you, so heavy secured debt means you're further back in the queue. |
| Insolvency & public notices | Any insolvency case or winding-up notice on the record, in plain English, and whether it's a terminal wind-down or a rescue they're trading through. |
| Filing behaviour & the record | Whether they file on time or have a habit of running late (an early distress signal), their registered address, previous names, and recent filings. |
| A dated PDF to keep | A timestamped report you can save to the job file: a record of the due diligence you did, on the day you did it. |
And with Monitoring, we re-check the company every night and email you the day anything changes (a director disqualified, a new insolvency notice, accounts overdue) before it becomes your problem.
Where the data comes from
| Companies House | The official UK register, profiles, officers, filing history. |
|---|---|
| The Gazette | The UK's official public record of insolvency and winding-up notices. |
| Insolvency & Disqualified Directors registers | Court-ordered disqualifications and insolvency events. |
All published under the Open Government Licence. We turn it into one verdict; we don't change the facts.
What the verdict means
Established, filed on time, no flags. Standard terms look reasonable.
A few flags. Consider part-payment up front for a first order.
Serious red flags on the record. Don't extend credit.
What we are not
We are not a credit reference agency. We don't hold a credit score, and we can't see CCJs or bank data. What we do is read the public record faster and more clearly than you can, and tell you plainly what it says. The verdict is guidance to inform your own decision, not financial advice.