Your business credit score is like a financial health check for your company. It helps potential customers, lenders, and suppliers understand how reliable you are when it comes to paying bills, managing credit, and staying financially stable.
Just like a personal credit score, a business credit score is calculated by credit reference agencies using data such as your balance sheet, cash flow, payment history, and company age. Each agency uses its own algorithm which means scores can vary slightly but they all serve the same purpose: showing how likely your business is to become insolvent in the next 12 months.
At Creditsafe, your business score ranges from 0 to 100 with 0 being very high risk and 100 being very low risk. The higher your score, the more confidence others will have in trading with you.
You can easily find your business credit score through a credit reference agency and with Creditsafe, you can view your company credit report for free.
Your company credit report gives you a complete view of your business’s financial standing, including:
Checking your own report regularly helps you understand how others see your company and gives you the chance to fix any red flags before they affect your reputation or financing opportunities.
Every report starts with the essentials:
These details confirm that a company is legitimate and operating as registered an essential first step before entering any agreement.
Understand how well a business is performing financially. Creditsafe reports include:
These metrics are factored into the company’s business credit score, but they also allow you to assess financial stability yourself.
Your Creditsafe report highlights any County Court Judgments (CCJs) or other legal filings.
Adverse data gives a clear signal of a company’s past credit behaviour crucial for avoiding bad debt or unreliable partners.
See how a company pays its bills. Creditsafe’s Trade Payment Programme aggregates data from thousands of suppliers to show:
Why it matters: Companies that consistently pay late may cause cashflow strain if you offer them credit terms.
Every Creditsafe report includes verified details about company directors and shareholders:
You can even click through to individual director reports to see their business history and connections helping you understand who you’re really dealing with.
Running a business check is one of the most effective ways to protect your company from financial risk, fraud, and late payments.
Whether you’re taking on a new customer, supplier, or partner, checking their credit report ensures you’re making informed, low-risk decisions.
Here’s why it’s essential:
Not every business is what it seems.
A company check lets you:
Fraud warning: Scams and shell companies are on the rise in the UK. Always verify a company’s background before doing business.
Late payments are one of the biggest causes of cashflow issues for small and medium businesses.
By checking payment behaviour before agreeing to terms, you can:
A single late payment from a major client could disrupt your entire cashflow cycle prevention starts with due diligence.
Running a check on your own business helps you understand how others view your financial health.
With your company credit report you can:
Your business relies on its suppliers so their stability matters.
A quick business check ensures that:
Even thriving companies can be risky if they habitually pay late.
A Creditsafe report shows real-world payment trends helping you spot hidden risks before signing a contract.
Your business credit score is more than just a number it’s a reflection of your company’s financial reliability and reputation.
Understanding and monitoring it regularly can help you:
Running a business check before entering a new partnership isn’t just due diligence - it’s smart business.