Credit check a company before you agree the terms.

A company credit check is a review of information about a legal business to help assess it as a customer, supplier or other counterparty. It can bring together company identity, available financial statements, credit indicators, ownership and relevant changes. The information available depends on the company, country and source.

Start with the country of registration and company legal name, ideally supported by a registration number. Confirm the correct entity, then review available accounts, credit indicators, ownership and source dates. Consider the findings alongside your order value, existing exposure and payment terms. You can request a company-specific sample to assess available coverage.

Provide the company’s country of registration and legal name. Include its registration number if you have it; an address or website can provide additional context. These details help distinguish companies with similar names. A brand or trading name alone may not identify the entity on your contract.

Depending on country and company coverage, a company credit report can include the legal profile, company credit score, recommended credit limit and their histories, payment experiences, mortgages and charges, financial statements, ratios, shareholders, group structure and directors. Our anonymised example also includes filing history, employee history and enquiry trends. Confirm which sections are available for the company you need to review.

Identify the correct company and check whether a score is available in its report. Review the score’s scale, meaning and supporting data before using it. Providers and countries may use different models, so two scores are not automatically comparable. A suggested limit should also be considered alongside your own credit policy and exposure.

Company credit information can support both reviews. For a customer, your team may assess the exposure created by payment terms. For a supplier, you may investigate financial resilience and dependency. Use the correct legal entity in either case, and combine the report with the other checks required by your organisation and intended use.

Yes. Tell us the country and company you need to assess so we can confirm available coverage. Registry disclosure rules, financial history, ownership information and credit-score availability differ across countries. Do not assume that a report for an overseas business contains the same fields or periods as a domestic report.

Freshness depends on the underlying registry, filing schedule and collection process. Check the financial period, filing date and available collection or update date separately. Collecting a record recently does not make the underlying accounts more recent. Confirm update frequency for the fields and markets your team relies on.

A recommended credit limit is a reference amount for trade credit exposure based on the assessment available in the report. It is separate from the company credit score and can change over time. In the example shown, the latest recorded limit is £1.2m. Consider it alongside your existing exposure, proposed order value, payment terms and internal credit policy. It is not a guarantee, insurance cover or an approved loan.

You can discuss ongoing company monitoring, API data access and MCP access for compatible AI assistants and agents for a customer or supplier portfolio. Monitoring can help your team identify supported company changes and trigger a fresh review. The available events, data fields, refresh schedules and usage rights depend on the agreed country coverage and service.