custom scoring
Accurate. Transparent. Easy to explain.
Our scoring system gives you unbeatable insight into a company’s financial health. Not just a number, but the why behind it.
Because when the stakes are high, assumptions don’t cut it.
Trusted since 1998 | 26O+ clients
custom scoring
No black-box algorithms. No guesswork. Just clear, data-driven scoring that shows you what’s driving risk. And what to do about it.
Most scores react to risk. Ours predict it.
From early warning signals to long-range forecasts, our customised management scores give you the insight to act before issues hit performance.
Explore our flagship H-Score® and TextScore®.
Forget off-the-shelf credit models.
Our scoring suite digs deeper. It spots emerging risk, surfaces trends, and provides risk ratings across behaviours, segments, and timeframes.
Set smarter credit limits with answers based on our flagship scores, cash flow, and real trading activity.
See how much a company can take on, and repay, without putting your exposure at risk.
From traffic-light risk snapshots to contract cap recommendations, our tools take the guesswork out of credit control.
Precision insights, on your terms. Whether it’s our Platform, API, or Scoring Gateway, we meet you where you are.
custom scoring
Get precise, explainable insights. Because confident business starts with data you can trust.
Cut through the noise with transparent scoring and crystal-clear business credit reports.
Model risk with real-time tools. Adjust variables, test outcomes, and stay ready for anything.
Find the insights that matter—fast. Spend less time digging, more time deciding.
See the full picture. Traditional metrics + unique data = unmatched financial clarity.
Shape your risk management around what matters most to your business. For insights that actually work for you.
Use Cases
Spot red flags early, reduce bad debt, and optimise risk. With our business intelligence solutions, sustainable growth isn’t just a goal. It’s your default.
Risk never stands still and neither do we.
We push the boundaries of innovation to deliver solutions you won’t find anywhere else. Giving you a competitive edge others can’t match.
Trusted by leading banks, insurers, and global firms, we empower you to see risk early, act fast, and protect what matters most.
built for risk. built for the future.
“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
“One-stop shop for our information needs.”
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
FAQS
A business credit score measures a company’s financial health and risk profile. Lenders and suppliers use it to assess creditworthiness and make informed decisions.
Our business credit score calculations are based on real, filed financial data, not estimates or scraped summaries. We analyse cash flow, liquidity, working capital, CCJs, trading history, and sector-specific risks.
We also apply advanced models like H-Score®, PoD® (Probability of Distress®), and TextScore®. TextScore® LINK uses machine learning to scan the language in financial reports, spotting patterns linked to future business failures.
Together, these models create a clear, explainable corporate credit score that reveals short and long-term risk. So you can act with confidence, not assumptions.
According to our flagship H-Score®, scores near 100 show strong financial health, while scores below 25 fall into the Company Watch Warning Area, a signal to dig deeper.
Find out how to improve your business credit score.
Use our platform for a fast, accurate business credit rating check. You’ll get scores, limits, and risk indicators in one clear report.
In most cases, they mean the same thing. Both a business credit score and a corporate credit score reflect a company’s financial reputation, creditworthiness, and ability to meet its financial obligations.
The difference comes down to context. “Business credit score” is often used for small to mid-sized businesses, while “corporate credit score” typically refers to larger or more complex companies. The Company Watch platform delivers both, with the same level of depth and accuracy.
We don’t just give you a score. Our tools break down the financial and behavioural drivers behind it, using models like H-Score®, PoD®, and TextScore®. That means you get real insight (not just a number) whether you’re reviewing an SME or a multinational.
PoD® or Probability of Distress® estimates the likelihood that a company will fail, enter administration, or face serious financial distress within the next 1–3 years. It helps you stay proactive, forecasting risk instead of reacting to it after it’s too late.
PoD® is calculated using a combination of real financial data and statistical modelling. It draws on historical business failures, financial ratios, H-Score® performance, and macroeconomic indicators such as GDP growth. The model also factors in industry-specific patterns and company-level behaviour to deliver a tailored view of risk.
A higher PoD® means a greater chance of future distress, making it a critical signal when setting credit limits, approving suppliers, or evaluating long-term exposure.
Traditional credit reference agencies often give you a single number with no explanation, leaving you to guess what’s driving the risk. You’re left in the dark when it comes to the why behind the score.
We do things differently. Our business credit scores come with full transparency. You get a clear breakdown of the financial data behind the score, a five-year visual trendline, and deeper insights through models like TextScore®, H-Score®, and PoD® (probability of distress).
This means you’re not just reacting to risk. You’re understanding it, forecasting it, and making smarter credit decisions based on real signals, not assumptions.
See how our solutions can transform the way you manage financial risk. Take the first step toward a more resilient, data-driven future.
