How can I check if a company or individual has a CCJ?
Every Creditsafe CCJ check gives you instant visibility into County Court Judgments registered against businesses or individuals, helping you identify early signs of financial risk. Reports include real-time credit scores, payment performance, and key financial indicators, updated daily from official court records. You’ll see details of any CCJs, including dates, amounts, outcomes, and associated financial data. Whether you’re assessing a new client, reviewing a supplier, or checking an individual’s background, Creditsafe CCJ reports provide the clarity you need to make confident, low-risk decisions.
Why should you check if a company or individual has County Court Judgments (CCJs)?
Checking if a company or individual has a CCJ helps you avoid financial risk and make safer business decisions. A CCJ can signal late payments, cash flow problems, or potential insolvency, giving you the foresight to protect your business before it’s too late. By identifying these red flags early, you can choose the right customers and suppliers with confidence.
Company CCJ Checks
Individual CCJ Checks
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Predict payment behaviour
Over 100,000 UK companies received CCJs in 2025, owing more than £443 million. Checking payment behaviour upfront helps you avoid becoming one of their creditors.
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Protect your cash flow
The total value of CCJs issued to UK companies has surged 50% since the pandemic. Protect your cash flow by identifying potential risks early.
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Make informed decision
The average CCJ value rose to £3,744 in 2025, showing that unpaid debts are becoming more costly. Use reliable data to make confident, informed decisions.
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Verify financial reliability
A CCJ check reveals whether an individual has struggled to meet financial commitments in the past. Verifying their credit history upfront helps you build trust and make informed decisions before entering an agreement.
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Reduce payment risk
Identifying personal CCJs early helps you assess the likelihood of missed or delayed payments. Protect yourself from unnecessary losses by understanding someone’s financial behaviour before extending credit or signing contracts.
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Protect your reputation and cash flow
Working with individuals who have unresolved CCJs can lead to payment disputes and financial strain. Running a simple check helps you avoid risk, safeguard your reputation, and maintain healthy cash flow.
Why companies trust Creditsafe’s County Court Judgment reports?
Make faster, safer decisions with daily‑updated risk data, real payment behaviour, proactive alerts, and global comparability.
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Approved by all major credit insurers
Our credit scores and limits are trusted by every major UK credit insurer, so you can make decisions with total confidence.
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Fast & easy setup
Get started in minutes, not days. Our streamlined setup means you can begin making informed decisions almost instantly.
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Recognised as the industry leader
Rated #1 on Trustpilot with 3,000+ customer reviews, more than 10x our closest competitor.
For a one stop shop which embraces full information on businesses financial data, officer information & CCJ data I use Creditsafe every time.
Paul Wilson
Wilsonfield Group Limited
How to run a CCJ check with Creditsafe
Check your customer's credit profile for registered CCJs and spot early signs of late payments.
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Step 1
Search the company
Enter a company or individual name to see if any CCJs or legal notices are recorded.
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Step 2
Review the report
Open the credit report to view CCJ details (court, case number, dates) alongside score, credit limit, and payment history.
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Step 3
Set real-time alerts
Enable monitoring to get instant notifications of new CCJs or profile changes so you can act quickly and avoid long-term impact.
Get an enhanced view of businesses and key individuals
Go beyond CCJ and credit score checks with Creditsafe Verify - giving you a 360° view of a company’s financial stability and the people behind it.
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Check the people behind the company
Review the financial background, trading history, and previous directorships of key people to gauge how responsibly they have managed businesses in the past.
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Spot financial warning signs early
Identify directors linked to County Court Judgments (CCJs), insolvencies, or other adverse events to avoid companies showing signs of financial distress.
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Simplify due diligence
Carry out affordability assessments and consumer credit checks (with consent) quickly and easily while maintaining consistent risk standards.
Over 100,000 UK companies were issued a CCJ last year
Verify your customers and suppliers with a free company credit report
Join the 100,000+ companies who protect their cash flow with CCJ checks
Frequently Asked Questions
With Creditsafe, you can quickly find out if a company has any County Court Judgments (CCJs) registered against it. Our reports pull data directly from official court records and update daily, giving you the most accurate and reliable view of a business’s legal history. Whether you’re assessing a new customer, reviewing a supplier, or keeping track of your own company, a Creditsafe CCJ check helps you spot potential risks early and make more informed decisions.
Creditsafe uses County Court Judgments (CCJs) as a key risk indicator, which can significantly lower a company's credit score and reduce its credit limit. A CCJ remains on a company's report for six years unless paid within 28 days (marked as "set aside").
CCJ Lifecycle on Creditsafe Reports
- Immediate Impact: A CCJ appears on the report quickly, signalling immediate risk.
- Within 28 Days: If the debt is settled within 28 days, the CCJ is "set aside" and removed from the report, indicating resolution.
- After 28 Days: If paid later or left unpaid, the CCJ remains on the report for six years, whether marked "satisfied" or not, acting as a long-term warning.
A CCJ can significantly lower a company’s credit score and signal financial distress. With Creditsafe, you can see how a CCJ impacts a business’s overall creditworthiness, helping you decide whether it is safe to extend credit or trade with them.
Creditsafe sources CCJ data directly from the courts. Every time a County Court Judgment is issued, it’s recorded on the official Register of Judgments, Orders and Fines. Creditsafe pulls this information, so you always have access to the most accurate and up-to-date records available.
Yes. Creditsafe reports show whether a CCJ is active, satisfied, or removed. If the debt is paid in full within one month of the judgment, the CCJ can be removed from the register entirely. If it is paid after that, Creditsafe will mark the CCJ as satisfied, showing the debt has been cleared, though the judgment will still appear for the remainder of the six-year period.
Creditsafe updates CCJ data daily, pulling directly from official court records. This means you can rely on Creditsafe to give you the most current picture of a company’s legal and financial standing at any time.