H-Score®
Business rating designed to forecast potential failure.
Spot financial weakness before it hits
Spot hidden risk early. H-Score® gives you a predictive, data-driven business credit rating check that flags financial weakness before it turns into loss.
See who’s stable, and who’s not, at a glance.
Built to predict business failure
H-Score® takes the proven Z-Score model and upgrades it for today’s risks. It analyses profit, liquidity, and funding to reveal real financial health.
Every business credit report comes with a clear 0–100 score you can trust. And act on.
Track financial health over time
We don’t just give you a number. We show the story. H-Score® charts a company’s financial health over five years so you can spot downward trends, not just current position.
Companies scoring 25 or below fall into the Warning Area. A critical red flag in our business credit rating checks.
Backed by real-world failures
H-Score® isn’t just theory.
It’s based on real patterns found in companies that later collapsed. So when we say a score is risky, we mean it.
Find out more
Explore how H-Score® delivers a more predictive, more useful business credit rating check than traditional methods.
“We’ve worked with Company Watch for more than 10 years now. I’m impressed with how Company Watch is always ahead of the curve and always exploring innovative new ways to add value to the risk analysis process.”
Ian Selby
Chief Underwriting Officer
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Jon Rigby
Risk Analyst
“Easy to use service.”
Andrew Taylor
Transaction Risk Manager
“Provides good, early data and a different perspective to underpin our decisioning. Having moved from a long-standing data provider, we have found Company Watch to be a very innovative product that will be a game changer for our credit management. A professional product for professionals!”
Simon Howell
Senior Credit Manager
“Very reliable and accurate scoring module.”
Ray Draper
Head of Risk & Fraud Management
“A breath of fresh air in the tech space.”
Jane Hull
Underwriting Director
“I don’t believe there is anything else quite like Company Watch on the market.”
Chris Ardern
Risk Underwriting Manager
It’s a way to assess the financial strength and stability of a company. Our H-Score® provides a predictive, forward-looking view of credit risk – based on financial history and structural analysis.
H-Score® uses a refined version of the Z-Score model, backed by real-world failure patterns. It shows how closely a business’s profile matches that of companies that went on to fail. Find out more about our proprietary H-Score®.
It looks at profit management, working capital, liquidity, and asset funding using published financial statements – tracking trends over five years.
Companies with an H-Score® of 25 or under are placed in the Company Watch Warning Area. This is a high-risk category based on how closely their financials match previously failed firms.
Yes. H-Score® includes a five-year graphical history, helping you spot gradual declines, sharp drops, or consistent improvements.
Absolutely. Every business credit report includes the H-Score® as a core indicator of risk and financial health.
Ready to level up your risk strategy?
See how our solutions can transform the way you manage financial risk. Take the first step toward a more resilient, data-driven future.
Here’s what you’ll unlock:
- Analyse your full risk exposure
- Model and stress-test real-world scenarios
- Get daily alerts on portfolio changes
- Explore award-winning tools and features
- Make faster, smarter decisions backed by data
