The UK is one of the world's most influential economies, with a strong regulatory framework and a diverse business landscape. Our comprehensive UK credit reports give you the insights you need to understand a company’s financial position, legal standing, and trading behaviour. This helps you to make smart, confident decisions when doing business in the UK.
UK credit data at your fingertips
UK Credit Data
Creditsafe provides access to millions of detailed UK business credit reports, covering both limited and non-limited companies across England, Wales, Scotland and Northern Ireland.
Our credit data is sourced from trusted government and regulatory bodies, including Companies House and HMRC. Companies House is the UK’s official register of companies, where all limited businesses are legally required to file financial and structural information. HMRC (His Majesty’s Revenue and Customs) is the UK’s tax authority, responsible for collecting taxes and enforcing compliance.
We also gather real-time information directly from businesses through interviews and third-party partners.
Whether you’re looking to assess a supplier, customer or potential partner, our UK credit reports offer the transparency and depth of information needed to reduce risk and make informed business decisions.
What’s included in a UK Credit Report
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Credit scores & limits
Each report includes a credit score that predicts the likelihood of insolvency within the next 12 months and a credit limit recommendation based on financial strength and risk profile.
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Shareholder Information, Group Structure, and Corporate Hierarchy
Detailed information on shareholders, group structure, and corporate hierarchy offers comprehensive insights into the organization's ownership and operational setup.
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Full Financial Data
Filed financial statements are sourced directly from Companies House, keyed by our in-house analysts and updated daily.
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Derogatory legal
Includes court judgments (CCJs and high court cases), insolvency notices from the Gazette and exclusive access to unadvertised winding up petitions.
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Registration Numbers
Each UK limited company is assigned a unique registration number. This number is used for official identification and helps verify the legitimacy of a business.
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Payment Data
Collected from participating businesses that share their payment ledger data, offering insights into payment behaviours and trends.
UK credit scores and credit limits
Our UK credit reports use standard activity codes (SIC) and include essential company identification numbers. These identifiers are critical for accurate company profiling and credit assessment.
By leveraging our extensive database and regular updates, Creditsafe helps your business to make informed decisions and mitigate risks when engaging with UK companies.
Whether you are looking to expand into the UK market or assess existing partners, our UK credit reports provide the essential data needed for confident business decisions.
Financial Data and Filing Requirements in the UK
All limited companies in the UK are required by law to file their financial statements with Companies House. This is the government’s centralised repository for company information, where key business data is stored and made publicly accessible. Micro and small companies can be exempt from filing profit and loss accounts or undergoing audits. Some types of businesses, such as foreign branches, royal charter companies and industrial and provident societies, follow separate filing rules and may not be required to submit full accounts.
Late filings can result in fines ranging from $150 to $7500 depending on how overdue the accounts are. If a company continues not to file, it can eventually be struck off the register. Our system flags outdated accounts and removes credit scores where necessary.
Registered and Legal Information
Legal details are sourced from the UK’s Companies Act and official registers. This includes information about a company’s legal form, directors, shareholder structure, and registration status. It’s essential data for understanding how a UK company operates within its legal framework.
How Often is Data Updated?
UK credit data is updated regularly to keep information accurate and timely:
• Financial filings: updated daily
• Judgments and Gazette notices: daily updates
• VAT data: updated weekly from HMRC
• Group structure and payment data: weekly and daily updates respectively
For any company, you can also request a fresh investigation for the most current data.