Standard Price: £4.95 (exc VAT)
Key Features: Summary business information

• Statutory information – registered name and address, date of incorporation, type of accounts filed and filing dates etc
• Outstanding county court judgments
• Holding structure of the company
• Accounts information for three years including turnover, net worth, pre-tax profit and working capital (note: for small and medium sized companies not all this information may available).
• Company secretary’s name
• Last five filings at Companies House or from the London and Edinburgh Gazettes

Report Guidelines:

• Who for: Your potential & existing customers and suppliers
• Why: To seek assurances on the history of a company
• When: When you are researching potential customers and suppliers and as and when required, for existing customers and suppliers
  
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Standard Price: £9.95 (exc VAT)
Key Features: Credit Risk Score & Credit Limit

This report is most useful when you require basic assurances of the financial strength of a customer or supplier. We recommend you use this report for all new customers and suppliers and periodically for all your active accounts.

Helpful notes to the credit rating within the report indicate approximately what percentage of companies attain the same rating. As well as the credit rating the report includes a summary of the last two years’ filed accounts. This gives you an indication of the profitability and financial growth of the business. Content includes:

• Risk Score for the last two years
• County court judgments
• Winding up petitions and all other insolvency filings
• New mortgages and charges
• Summary financial accounts for two years*
• Severe audit qualifications
• Availability of latest set of accounts
• Changes in share capital
• Change of name, registered office

* Note: small and medium sized companies may file less detailed accounts and this affects the amount of detail in the reports. Recently incorporated businesses may only have one year’s or no financial information available.

Report Guidelines:

• Who for: Your new customers & suppliers (& periodically for existing ones)
• Why: To understand the potential credit risk and to assist with the setting of a credit limit
• When: When agreeing terms with new customers and suppliers and periodically for existing customers and suppliers

Standard Price: £14.95 (exc VAT)
Key Features: Credit Risk Score, Credit Limit & Contract Limit

This report provides detailed risk assessment information. The report includes financial comparisons with other companies in the same industry sector; three year's summary accounts and the two year growth rate.

• Risk score for the last four years
• Industry comparison of financial ratios
• County court judgments
• Winding up petitions and all other insolvency filings
• New mortgages and charges
• Summary financial accounts for three years (subject to availability of filed accounts)
• Two year growth calculation
• Severe audit qualifications
• Availability of latest set of accounts
• Changes in share capital
• Change of name, registered office

* Note: small and medium sized companies may file less detailed accounts and this affects the amount of detail in the reports. Recently incorporated businesses may only have one year’s or no financial information available.

Report Guidelines:

• Who for: Your KEY customers & suppliers
• Why: To understand the potential credit risk of KEY customers and suppliers and to ensure the most appropriate credit limit is in place
• When: When agreeing terms with new KEY customers and suppliers and then on a periodic basis

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Standard Price: £24.95 (exc VAT)
Key Features: Full financial information

The Full Financial Report provides in depth financial analysis. We recommend a thorough review of a company’s financial report before engaging in important contracts. It is of most use to users with an accountancy or other financial background. Valuable risk assessment information includes:

• Four years of risk scores with suggested credit and contract limits
• Details of the last ten county court judgments
• Five years’ summary accounts including cashflow figures
• Details from the notes to the accounts for the last five years
• Main business ratios
• Percentage Growth rates for 1, 2, 3 and 4 year periods
• Industry comparison of financial ratios
• Details of the last 20 filings at Companies House or from the London/Edinburgh Gazette.

* Note: small and medium sized companies may file less detailed accounts and this affects the amount of detail in the reports. Recently incorporated businesses may only have one year’s or no financial information available.

Report Guidelines:

• Who for: Your MAJOR customers & suppliers involved in important contracts
• Why: To understand the potential credit risk of MAJOR customers and suppliers and to ensure the most appropriate credit limit is in place
• When: When agreeing terms with new MAJOR customers and suppliers and then on a periodic basis

Standard Price: £34.95 (exc VAT)
Key Features: In depth information

The Comprehensive Credit Report is our most in depth report. It has the same sections as in the Full Financial Report, with the following further sections :-

• Director names, addresses, appointment dates, dates of birth, occupations, number of present and resigned directorships.
• Major Shareholders - displays the principal shareholder in any UK company. It also shows the capital structure of the company in terms of the type and amount of shares issued in total.
• Mortgages & Charges - provides access to the latest five charges filed by a company (where available).
• Interims - provides access to the latest four years' worth (where available) of interim results as announced by UK quoted companies on the London Stock Exchange.
• The Comprehensive for Southern Irish companies will include the additional mortgage details: Charge number, Charge registered date, Property acquired date, Currency, Charge status , Charge party name and address, Charge type description, Charge created date, Amount secured, Amount secured description, Charge relation type, Property, Satisfaction number, type, date and description, Property released.
  

  * Note: small and medium sized companies may file less detailed accounts and this affects the amount of detail in the reports. Recently incorporated businesses may only have one year’s or no financial information available.

Standard Price: £12.95 (exc VAT)
Key Features: Basic information

Our Non-Limited reports are currently available for around 2 million non-limited businesses in the UK. This report should be used when you are seeking assurances of the history of a business. It contains:

• Trading address and telephone number
• The date the business was established at this address
• Activity of the business
• Number of employees
• Details of unsatisfied county court judgments

Report Guidelines:

• Who for: Your potential & existing non-limited customers and suppliers
• Why: To seek assurances on the history of a company
• When: When you are researching potential customers and suppliers and as and when required, for existing customers and suppliers

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Standard Price: £18.95 (exc VAT)
Key Features: Credit Risk Score & Credit Limit

This is the more popular of our non-limited business reports as it provides basic risk assessment data. We recommend you use the Non-Limited Credit Report for all your new customers and suppliers and periodically for all significant accounts.

In addition to the information provided in the Insight Report the Insight Plus Report also gives:

• A risk score (indicating the likelihood of a business defaulting on payment)
• A recommended credit limit
• A contact name at the business.

Non-Limited Credit Reports are currently available for around 1.5million non-limited businesses.

Report Guidelines:

• Who for: All new non-limited customers & suppliers (& periodically for existing ones)
• Why: To understand the potential credit risk of a new customer or supplier and to assist with the setting of a credit limit
• When: When agreeing terms with new customers and suppliers and periodically for existing customers and suppliers

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Standard Price: £11.95 (exc VAT)
Key Features: Director details for a specified limited company

The Company Directors reports provides the name of all the directors and the company secretary for a specified limited company. The report shows:

• Directors’ appointment date
• Date of birth
• Occupation
• Home address
• Number of current directorships held
• Number of resignations held since June 1996.

Report Guidelines:

• Who for: Your MAJOR and possibly KEY customers and suppliers
• Why: To understand who the management team are and the potential risks involved if the team changed
• When: When agreeing terms with new MAJOR (& possibly KEY) customers and suppliers and and then on a periodic basis

Please note that our Free Monitoring Service can notify you, whenever there is a director change at one of your monitored companies.

Standard Price: £7.95 (exc VAT)
Key Features: Details of all the directorships for a specified director

The Individual Directors Report is accessible through the director search (link here). The report shows:

• Names of companies for which the individual is currently a director
• Directorships of non-trading companies
• Companies with insolvency proceedings
• Dissolved companies
• Address and date of birth
• For each company current status and key financial data is also provided.

Report Guidelines:

• Who for: On a key director of a MAJOR and possibly KEY customer or supplier
• Why: To understand their previous history as a director and their other live directorships
• When: When agreeing terms with new MAJOR (& possibly KEY) customers and suppliers and and then on a periodic basis

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WHY do I need a credit report ? Credit reports provide the best possible information as to the likelihood of a business defaulting on its debts. We recommend you buy credit reports on those businesses whose failure would have damaging effect on your business.

We offer a comprehensive range of credit reports for every need from confirming basic company data to sophisticated account analysis.

• All major customers and suppliers involved in important contracts (on a regular basis)
• All key customers and suppliers (on a periodic basis)
• All new customers and suppliers

• A new trading relationship or account is set up
• A customer defaults on payment or requests a significantly higher credit limit (for whatever reason)
• You enter into a major new contract
• A periodic review of a key customer or supplier is due
• A significant credit event occurs (such as a change in the credit score, credit limit, issuing of a county court judgment, resignation of a director, etc). Note: our Free Monitoring Service can notify you by email when significant credit event occur.

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HOW do I buy a credit report ?
All our reports can be purchased using the Business Search facility on the left hand side of most pages. Enter the business name and click on the search button. If you require a more advanced search (e.g. you want to find a company from its registered number), click the Advanced Search link. The Individual Directors Report is accessible through the Director Search link.

A list of businesses and addresses matching your search will be displayed. Simply click on your chosen business and the next page will contain a list of the available reports (not all reports are available for all businesses).You will need your credit card (or have previously arranged a Trade Account) to purchase a report.

Purchased reports are immediately displayed online from where they can be printed, saved or forwarded to an e-mail account. (Registered users automatically receive e-mailed copies of reports).

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HOW MUCH do the credit reports cost ?
The standard price (before any Discounts and excluding VAT) for each report is included within the report details below and is also listed in our Full Price List.