An interactive company report
Explore a business
credit report.
Follow the figures behind the assessment. Explore this sample business credit report through credit history, financial performance, payment evidence and ownership.
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Example Business Services Ltd
United Kingdom · Business support services · Active
Registration referenceEXAMPLE-001Identity replaced
Credit scoreVery low risk
Scale 1–100 · Modelled assessment
Recommended credit limit£1.2m£1,200,000 · GBP
Latest entry: 25 Sep 2025 TurnoverGBP millions
£81.084m+11.2% vs 2023
Financial year
EBITDA FY 2024£6.604m
Cash FY 2024£5.017m
Net assets FY 2024£8.363m
Unconsolidated company accounts · GBPSelected period: 31 Dec 2024Historical example · Company identity changed
5Annual financial periods
103Invoices in payment sample
100%Direct shareholding shown
8Registered charge records
01 / Credit assessment
The history behind
the headline.
A score is one observation. The dated history shows how the assessment and recommended exposure changed together.
87−9 points vs previous entry
£1.2m−65.7% vs previous entry
Inspect an entry
25 Sep 2025
The source classifies the latest assessment as very low risk. The limit is a trade credit reference, rather than a payment guarantee. Neither chart explains the cause of a change.
| Assessment date | Score / 100 | Recommended limit |
|---|---|---|
| 13 Oct 2021 | 90 | £1,700,000 |
| 14 Oct 2022 | 95 | £2,150,000 |
| 07 Oct 2023 | 91 | £2,350,000 |
| 15 Oct 2024 | 96 | £3,500,000 |
| 25 Sep 2025 | 87 | £1,200,000 |
02 / Financial performance
Revenue grew.
Cash followed another path.
Compare five years of trading performance, then inspect how the balance sheet is funded. Figures relate to the individual company.
Turnover£81.084m
GBP millions · FY 2020–2024TurnoverEBITDACash
Each series starts at 100 in 2020. This view compares relative movement.
Balance sheet composition
Assets, liabilities and net assets.
Total assets FY 2024£65.705m
Total liabilities£57.342m
Net assets£8.363m
Liquidity FY 2024
Current ratio1.13times
Working capital£8.236m
Cash is a balance-sheet amount. A separate cash flow statement is not reproduced.
| Financial year | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|
| Turnover | 53.886 | 61.271 | 64.821 | 72.923 | 81.084 |
| EBITDA | 6.731 | 8.065 | 6.373 | 4.350 | 6.604 |
| Operating profit | 5.903 | 7.481 | 6.213 | 4.300 | 6.544 |
| Profit after tax | 4.599 | 7.021 | 0.484 | 11.643 | 5.418 |
| Cash | 13.568 | 9.393 | 6.473 | 6.784 | 5.017 |
| Working capital | 0.795 | 8.301 | 15.257 | 32.336 | 8.236 |
| Total assets | 66.259 | 102.625 | 155.464 | 207.299 | 65.705 |
| Total liabilities | 52.955 | 82.300 | 134.662 | 174.854 | 57.342 |
| Net assets | 13.304 | 20.325 | 20.802 | 32.445 | 8.363 |
| Current ratio · times | 1.02 | 1.10 | 1.12 | 1.18 | 1.13 |
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03 / Trade payment evidence
Understand the sample
before the behaviour.
Payment experiences come from selected third-party partners. They add another source of evidence alongside company filings.
103Invoices available
£749Average invoice value · GBP
Report snapshot: 23 Jun 2026. The sample does not represent every supplier or invoice.
Payment ageing / source categoriesPartner data
01Within terms
020–30 days
0331–60 days
0461–90 days
0591+ days
Distribution not reproduced. Bucket counts and percentages are unavailable in this example. Missing values do not mean zero late payments.
04 / Ownership & people
See the company
in its corporate context.
Follow the disclosed direct relationship and review the company’s employee history. All connected company identities are anonymised.
Direct ownershipDisclosed records
Direct corporate shareholderExample Holding Company
100% direct shareholding
Subject company / United KingdomExample Business Services Ltd
Issued share capital£2,000,000 GBP
A direct holding does not establish a parent guarantee or a complete beneficial ownership chain.
307employees · FY 2024
+13.3% vs 2023
+13.3% vs 2023
Source report includes director sections. Individual identities are omitted from this public example.
05 / Registered records
A dated trail
of company records.
8Charge records shown
Review each record’s status.
Review each record’s status.
A count of records does not establish how many charges remain outstanding.
Latest charge registered
Registered recordLatest accounts filed
Financial period ended 31 Dec 2024Latest score & limit entry
Modelled assessmentReport generated
Historical report snapshotSelected entries in date order. Spacing does not represent elapsed time.
06 / Sources, dates & availability
Different sources.
Different clocks.
A report brings several kinds of evidence together. Keep the origin, financial period and observation date attached to each field.
31 Dec 2024
Latest financial period end
- Filed
- 24 Sep 2025
- Basis
- Unconsolidated · GBP
25 Sep 2025
Latest score & limit history entry
- Score
- 87 of 100
- Recommended limit
- £1,200,000 · GBP
103 invoices
Available sample in the source report
- Report snapshot
- 23 Jun 2026
- Coverage
- Selected partner experiences
Showing all three source categories.
What else is in the source report?A broader report.
A broader report.
A focused public example.
The supplied report also contains these sections. Identity-sensitive records and full underlying documents are not reproduced here.
- Current & previous directors
- Corporate group structure
- Previous company names
- Trading addresses
- Document filing history
- Shareholders & share capital
- Bankers
- Enquiry trends
Public financials, credit scores, ownership disclosure and payment coverage vary by country, company and source. An unavailable field is not zero or a clean result. This is an anonymised historical example, not a live assessment.
Explore company credit checksSample business credit report · FAQs
Read with
confidence.
Practical answers for evaluating a company credit report sample.
Explore company credit checks01What does this sample business credit report include?
This annotated sample covers company identity, a credit score, a recommended credit limit, dated credit history, five-year financial statements, trade payment experiences, direct ownership, employees, charges and filing dates. The downloadable PDF presents selected sections, with notes explaining how to read them.
02Can I request a PDF company credit report?
Yes. Use Request PDF report and provide your name, email, phone number and company name. Our team will follow up about report availability. No PDF is downloaded or emailed automatically. The interactive walkthrough remains available on this page.
03How do I read a business credit report?
First confirm the legal entity, country and registration details. Then review the score and recommended limit, their history, the financial periods, payment coverage and corporate relationships. Check the date and source behind each section before applying your own credit policy. The charts, source labels and date guide on this page help you follow that sequence.
04What is the difference between the credit score and recommended credit limit?
The score summarises the credit assessment on its stated scale. The recommended limit gives a reference amount for trade credit exposure. In this historical example the latest entry shows 87 of 100 and £1.2 million, dated 25 Sep 2025. Neither is a guarantee of payment or a substitute for your own exposure controls.
05Why does a business credit report show historical scores and limits?
Dated histories show changes that a single headline number cannot. This example includes five score and limit entries from 2021 to 2025. Compare those movements with financial performance, payment evidence and the timing of your review, without assuming that one field explains the full change.
06Is the example company real?
The example uses values from a supplied historical company report, with the company identity, registration reference and connected company names replaced. Person names and other identifying details are omitted. “Example Business Services Ltd” is an anonymised label and should not be used to identify or assess a real business.
07How current is the information in this report example?
The source report was generated on 23 Jun 2026. Its latest credit history entry is dated 25 Sep 2025, while its latest financial period ended on 31 Dec 2024 and was filed on 24 Sep 2025. These dates describe different events. Request current company coverage before making a present-day decision.
08Does the sample include financial statements and cash flow?
The example includes selected profit and loss, balance sheet and ratio figures over five years, in GBP millions, for the individual company. It shows a cash balance, but does not reproduce a separate cash flow statement. The depth of financial disclosure depends on the company and jurisdiction.
09Will a report for every country contain the same fields?
No. Company records, public financials, ownership disclosure, modelled scores and partner payment information vary by country and business. This UK example illustrates report structure; it is not a promise of identical global coverage. Confirm the sections, history and dates available for your target entities.
10How can I request a report for a specific company?
Follow the Contact Us link and share the company’s country, legal name and registration number if you have it, along with the information your team needs. This helps establish the correct entity and confirm available coverage before you evaluate a company-specific report.
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