Free Company Credit Check

Get your free company credit score and report from Creditsafe

Enter a company name to see its credit score, payment history, CCJs, and financial health in seconds.

100% Free and Confidential for business use only.

What's included in a company credit report?

A Creditsafe company credit report gives you instant access to a business’s financial health, helping you make smarter, safer decisions. Each report includes a real-time credit score, payment history, County Court Judgments (CCJs), and key financial indicators, updated daily from trusted sources. You’ll also find early warning alerts, global coverage, and insights into ownership, directors, and group structures. Whether you're assessing a new customer, supplier, or partner, Creditsafe reports provide the clarity and confidence you need to reduce risk and protect your business.

Company Credit Report showing Credit Score, International Score and Credit Limit

Instantly assess a company’s financial health with credit risk scores and limits.

Make quick, confident credit decisions while also reducing your exposure to bad debt.

Get a clear picture of a company’s creditworthiness in seconds. Our Risk Score (0–100) predicts the likelihood of insolvency within 12 months, while the International Score (A–E) allows for easy comparison across countries. Recommended Credit Limits and Contract Limits help you set safe trading terms based on financial data and payment history.

Real-World Payment Behaviour & Financial Commitments

Spot slow payers and avoid cashflow disruptions by understanding how a company manages its obligations to suppliers and lenders.

Get a complete picture of how businesses manage their obligations by combining supplier payment trends with commercial banking data. Track invoice payments and Days Beyond Terms (DBT) to identify slow payers, while monthly updates from major banks provide insights into loan and overdraft usage, cash balances, and repayment performance. Together, these insights reveal how companies really pay, helping you assess cash flow risk, lending exposure, and affordability with confidence.

Company Credit Report showing Payment History, Days Beyond Terms, and Financial Data
Company Credit Report showing County Court Judgments (CCJs), Profit Warning and other Negative Information

Identify legal and financial red flags before they cost you.

Protect your business from risky customers or suppliers by acting on the earliest signs of financial distress or non-compliance.

Our reports include County Court Judgments (CCJs) updated daily from official court sources, as well as writs, profit warnings, and HMRC’s deliberate tax defaulters list. We also flag HM Court Notices such as insolvency petitions. Creditsafe Exceptions highlight irregular activity — like multiple CCJs, frequent director changes, or enquiry spikes — as early signs of trouble.

See who’s in control of the business.

Know exactly who you’re doing business with and avoid relationships with disqualified or high-risk individuals.

Identify directors (current and former), shareholders, Persons with Significant Control (PSC) and Ultimate Beneficial Owners (UBO) to understand ownership and influence. Then go further with Creditsafe Verify, which screens individuals against the electoral roll and flags if they have personal CCJs, are insolvent, or even deceased, helping you avoid fraudulent identities, disqualified directors, and hidden risks.

Company Credit Report showing Group Structure, Current Directors and Shareholders.

Protect your business with trusted company credit reports

Creditsafe helps you avoid bad debt and reduce risk by giving you instant access to company credit scores, limits, and warning signs. Spot slow payers, monitor financial stability, and make confident credit decisions before you commit.

Creditsafe Company Credit Report Platform

Why companies trust Creditsafe reports

Make faster, safer decisions with daily‑updated risk data, real payment behaviour, proactive alerts, and global comparability.

Fast, Reliable Risk Scores

Our 0–100 insolvency risk score updates daily to reflect the latest changes in a company’s status.

Real Payment Data

Insights based on over 500 million invoices collected directly from our customer network.

Early Warning Alerts

Creditsafe Exceptions highlight irregular activity so you can act before issues appear in the financials.

Global Coverage

Compare companies worldwide with our standardised A–E International Score.

Trusted by 100,000+ businesses worldwide

See why over 100,000 companies trust us to reduce risk, protect growth, and build lasting customer relationships.

Related Credit Risk Products

Explore other Creditsafe solutions to extend your business intelligence and risk management capabilities.

Frequently Asked Questions

Answers to frequently asked questions about company credit reports

What is a company credit report?

A company credit report is a business intelligence report that helps organisations assess the financial stability, creditworthiness and potential risk of another company. Businesses use company credit reports to evaluate customers, suppliers, partners and prospects before entering into commercial relationships or extending credit.

A typical company credit report combines information from multiple sources, including company financials, payment behaviour, legal filings, director information, ownership structures and credit risk indicators. Together, this information provides a clearer picture of a company’s ability to meet its financial obligations and operate as a reliable trading partner.

How is a company credit report different to a company credit score?

A company credit score is a numerical indicator designed to summarise a company’s level of credit risk. It provides a quick assessment of how likely a business may be to meet its financial obligations.

A company credit report provides the detailed information behind that score. Rather than offering a single risk indicator, the report includes financial data, payment behaviour, legal records, ownership information and other factors that contribute to a company’s overall risk profile.

In simple terms, a company credit score provides a summary of risk, while a company credit report provides the evidence and context needed to understand that risk.

What factors influence a company credit score?

Company credit scores are typically influenced by a range of financial and operational indicators that help assess business risk.

Common factors include:

  • Payment history and payment performance
  • Company financial strength
  • Levels of debt and financial obligations
  • Legal actions, CCJs and court filings
  • Insolvency events and adverse notices
  • Trading history and company age
  • Industry-specific risk factors
  • Director and ownership changes
  • Credit utilisation and borrowing behaviour

Credit scoring models differ between providers, but most use a combination of financial, legal and behavioural data to evaluate risk.

What information is included in a company credit report?

The information included in a company credit report may vary by provider and jurisdiction, but commonly includes:

  • Company credit score and risk rating
  • Recommended credit limit
  • Financial statements and financial trends
  • Payment performance and trade payment data
  • County Court Judgments (CCJs) and legal filings
  • Insolvency notices and adverse events
  • Director and officer information
  • Shareholder and ownership details
  • Ultimate Beneficial Ownership (UBO) information
  • Corporate group structures and parent companies
  • Company monitoring and risk alerts
  • Industry classification and company profile information

These data points help businesses make more informed decisions about who they trade with and how much risk they are prepared to accept.

How do businesses use company credit reports?

Businesses use company credit reports throughout the customer, supplier and partner lifecycle.

Common use cases include:

  • Assessing the risk of new customers before offering credit terms
  • Evaluating suppliers and third-party partners
  • Setting appropriate credit limits
  • Determining payment terms and trading conditions
  • Supporting supplier onboarding and due diligence processes
  • Monitoring existing customers for changes in financial health
  • Identifying early warning signs of financial distress
  • Supporting compliance and risk management programmes

By using company credit reports, companies can make more informed decisions and reduce exposure to bad debt, supplier disruption and commercial risk.

How can company credit reports reduce credit risk?

Company credit reports help businesses identify potential risks before they become financial problems.

By reviewing a company’s creditworthiness, payment behaviour and financial stability before extending credit, businesses can make more informed decisions about who they trade with and on what terms.

Company credit reports can help organisations:

  • Reduce exposure to bad debt
  • Set appropriate credit limits
  • Identify high-risk customers and suppliers
  • Monitor changes in company financial health
  • Respond quickly to adverse events such as CCJs or insolvencies
  • Strengthen credit control and risk management processes
  • Improve confidence in customer and supplier onboarding decisions

Used effectively, company credit reports form a key part of a broader credit risk management strategy, helping businesses protect cash flow and make more confident commercial decisions.