A credit score is only useful if you can explain it. Financial statements, director histories, group structures, and filing behaviour — scored against the patterns that precede UK corporate failure and monitored every day.
Trusted by 350+ leading risk teams across the uk
Basic checks tell you what’s already happened. Ours tell you what’s coming next.
You get a single number. No inputs, no methodology, no explanation. If someone asks how it was calculated, you can’t tell them.
That’s the gap Company Watch fills.
of public corporate failures predicted in advance.
years of advanced risk intelligence.
Companies change. Directors leave, filings slip, scores deteriorate. A point-in-time check tells you what a company looked like — not what it looks like now.
“We’re not relying on outdated credit reports or outdated information from months previous. It’s instant.”
Gemma Knight
Head of Credit
Most providers apply a worldwide scoring model to UK data. Company Watch was built on UK insolvency data exclusively — because how British companies fail is specific, and your scoring should reflect that.
Simon Howell
Senior Credit Manager
Ian Selby
Chief Underwriting Officer
Jane Hull
Chief Underwriting Officer
Gemma Knight
Head of Credit
Murray Ambler-Shattock
Group Strategic Operations Manager
business credit reports
How we compare
Most credit checks were built for a different era — global models, static scores, one-off checks at onboarding. We built ours for the way UK risk teams actually work today.
Use a global scoring model applied to UK data.
A point-in-time check at onboarding.
Black-box static scoring, hard to understand.
Basic traffic light risk scale: green, amber, red.
A single measure of risk.
A model specifically built on UK insolvency data, for UK companies. Unparalleled specialist depth.
Continuous daily monitoring with real-time updates and email alerts straight to your inbox.
A transparent score you can easily explain and defend. To a board or to an auditor.
H-Score® 0 to 100, with a defined Warning Area and Industry Average. Modelled over 5 years.
Multiple risk measures. H-Score®, TextScore®, and our specialised Financial Distress Index (FDI).
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This is what we mean when we say no black boxes. The scores, the reasoning, the full picture — before you’ve spoken to anyone.
who need the rationale before the committee asks for it.
who price risk on data, not assumptions.
who need a methodology that holds up when someone looks closely — and satisfies FCA, PRA, or internal governance requirements.
who need to see a company’s trajectory, not just where it stands today.
who need the full financial picture on a supplier before they sign. Not after.
Four ways to put our risk intelligence to work.
Book a demo and we’ll run a live credit check on a UK company you choose. You’ll see the H-Score®, the modelling, the methodology, and how it compares to what you’re using today.
what you’ll unlock:
FAQS
A company credit check is a comprehensive assessment of a company’s financial history and creditworthiness.
It involves reviewing the company’s credit score, outstanding debts, bankruptcies, and other financial information. The information is typically gathered by credit reference agencies, like us, who collect and analyse data from various sources.
Extending credit, signing a contract, or onboarding a new supplier without checking their financial standing means taking on risk you can’t see. A credit check gives you evidence to base that decision on — so you can price risk accurately, avoid bad debt, and catch warning signs before they become your problem.
A good business credit report goes beyond a single number. It typically includes a credit score, financial statement analysis, director history and any links to other companies, filing behaviour, and risk indicators benchmarked against your industry — giving you the full picture, not just a headline figure.
Credit reference agencies aggregate and standardise financial data from across thousands of companies, so you get consistent, comparable scoring rather than piecing together filings yourself. It also means access to modelling and risk indicators, like failure prediction, that aren’t available from a company’s accounts alone.
More than once. A check at onboarding only tells you what a company looked like on that day, since directors leave, filings slip, and financial positions shift over time. Continuous monitoring means you’re alerted the moment a company’s risk profile changes, rather than finding out after the damage is done.
Find out how institutions can use company credit checks to optimise their M&A decisions.
use cases
Wherever risk shows up in your business, we’ve built a tool to find it.
