Verify

Get an enhanced view of your business customers with Verify and commercial finance data.

Enter a company name to view an enhanced report:

Trusted by more than 200,000 companies worldwide

Panasonic
Stripe
RightMove
DPD
RedBull

Make confident credit decisions by evaluating the financial stability of UK businesses and key individuals with actionable insights that lead to better outcomes.

Make smarter decisions with Verify

Evaluating the financial stability of a new or small-to-medium-sized business requires more than just basic financial records. Creditsafe Verify goes beyond the surface by combining company credit data with detailed insights about the directors and key individuals behind the business in a single search.

Verify enables you to confidently evaluate a company's leadership. Transparent checks revealing no financial concerns, including CCJs or insolvencies, as well as electoral roll verification, allow you to foster relationships with businesses led by trustworthy and financially stable individuals.

Verify - Enhanced Credit Report

Verify helps you identify signs of financial stability in a company's leadership.

  1. Approve more customers with greater confidence.

    Make smarter choices and grow your customer base by approving businesses that may have been declined due to limited financial history, all while effectively managing risk.

  2. Minimise the risk of fraud.

    Reduce the risk of impersonation or identity fraud by easily verifying that directors are active (not deceased) and properly registered on the electoral roll.

  3. Spot financial concerns instantly.

    Make more precise decisions about directors with a history of financial mismanagement, including County Court Judgments (CCJs), insolvencies, debt relief orders, or voluntary arrangements.

  4. Streamline additional consumer checks.

    Save time and simplify your due diligence by effortlessly conducting affordability assessments and consumer checks (with consent) at the touch of a button.

business lending data

Commercial Finance Agreement Data

Combine commercial spending and finance agreement data with Verify for a unified view of SME business and key individual risk and opportunity.

In addition to ensuring that directors and key individuals of UK businesses are free from negative public information, such as CCJs and insolvency, you can assess the company’s exposure across overdrafts, credit cards, loans, and other finance agreements.

Gain the confidence to make informed decisions and uncover potential risks that traditional financial assessments might miss.

*Finance agreement data is provided to Creditsafe by leading banks and lenders through the Commercial Credit Data Sharing (CCDS) scheme.

Comprehensive Consumer Insights

When additional investigation is needed, a full consumer credit check (with consent) can provide critical insights that aren’t accessible through any other means.

A detailed consumer credit report reveals key information, including:

  • Key financial obligations that clearly show an individual’s financial commitments.
  • Comprehensive details of missed or defaulted payments.
  • A detailed history of past credit applications, offering insights into borrowing behaviour and trends.
  • Robust affordability assessments to evaluate an individual’s capacity to manage new financial commitments responsibly.

Understanding the complete financial picture of individuals, especially those running businesses, empowers you to make more informed and responsible decisions, safeguarding your portfolio while supporting your customers.

Consumer with score, mortgage and affordability check information.

Gain a comprehensive view of a company's leadership and associated risks.

Unlock detailed insights into a company's key individuals and uncover potential risks.

Frequently asked questions about Verify and finance agreement data

Can a County Court Judgment (CCJ) affect a Business Credit Score?

A County Court Judgment (CCJ) can severely impact a company’s credit score. When a CCJ is issued, it can lower the business’s credit score, making securing loans or obtaining favourable credit terms from suppliers more challenging. If the CCJ is not paid within 30 days, it will stay on the business's credit report for six years, significantly affecting its reputation and financial opportunities.

Pro Tip: Using tools like Creditsafe Verify can provide an added layer of insight by not only identifying CCJs issued against the company but also flagging judgments against its directors and owners. This helps businesses make informed decisions when deciding whether to do business with a company.

Can I see if a company director has filed for bankruptcy?

Yes, you can check if a company director has filed for bankruptcy or insolvency by looking at their Creditsafe company credit report.

Pro Tip: A Verify enhanced credit report will flag any bankruptcies or insolvencies listed against the directors and other individuals involved with the business.

Can I see if a company has any loans or credit cards?

Yes, a company credit report can indicate whether a company has borrowed money in the past, including payment defaults and County Court Judgments (CCJs).

Pro Tip: A Creditsafe report with CCDS data will also summarise financial agreements (including loans, credit cards, and overdraft facilities) on small to medium-sized companies using data from banks and other lenders.

Can I search for a director's home address?

No, a director’s home address is not publicly available. While directors must provide their home address to Companies House; it is kept private and is not displayed on the public register. Only the correspondence (service) address is visible to the public.

Pro Tip: Creditsafe Verify provides verification that the directors' home addresses are present on the electoral register. This provides an additional layer of confidence that a director is genuine and registered at a UK address.

How can I Verify if a Company Director is Deceased or Alive?

Creditsafe can verify that all company directors and other key individuals are alive and reside at a UK address. Creditsafe screens company directors against the mortality register to help prevent identity fraud.

Can I see if a company defaulted on a loan or credit card?

Yes, a Creditsafe enhanced report will provide lenders with detailed information on company credit cards, loans and other financial agreements held by small to medium-sized companies. This includes credit card limits and current balances, defaulted payments, and overdraft usage.

Pro Tip: If you are a commercial lender, you can benefit from additional finance agreement data on small businesses by subscribing to the CCDS scheme.