Company Credit Reports

Benefits of using a company credit report

Can I get a Credit Report from Companies House?

The role of Companies House is to incorporate companies and also to store and disseminate information on these companies. It holds information on all the companies registered in Great Britain, including information on accounts, annual reports, changes to company details and also holds information on company directors including disqualified directors. All of this information can be purchased from Companies House, but you are only getting the information itself not the analysis required to form a credit report

How can I find out how long PLCs and/or their private subsidiaries take to pay their suppliers?

The Companies Act requires public limited companies and their subsidiaries to state in days the average time taken to pay their suppliers and to publish this figure in their Directors report. This can be very useful information to have, as it can have a considerable impact on cash flow for smaller businesses.
The Federation of Small Businesses started publishing league tables with this information in December 1998. This allows small suppliers to monitor and compare the payment times of these companies.

How can I check whether a company has made an Individual Voluntary Arrangement (IVA) with the Insolvency Service?

The Register of Individual Voluntary Arrangements (IVA) is available to members of the public and can be inspected in person or by written request for individual entry details. Telephone requests are not allowed. Full details on the company you are querying would be required and you would be informed of the search result regardless of the outcome. With a positive search you would also be sent a copy of the relevant register entry together with details of the Supervisor of the IVA who you can contact for further details. There is no fee for either the search or the supply of information.

How can I check if a company has CCJs?

What is a County Court Judgment (CCJ) - Click Here

If a company or individual has a CCJ or Scottish Decree against them that information will be contained in the Register of Judgements. This register is maintained by the Registry Trust Limited on behalf of the Department of Constitutional Affairs. Anyone can make a search of the registry at a cost of £4.50 per search.

For each successful search you will be supplied with the name and address of the debtor, the original amount of the judgment, the name of the court, the date of judgment. You may also get, a case number and details of satisfactions. You won’t get Details of the claimant, plaintiff or pursuer – this information is held at the court. For some jurisdictions it is only available to the defendant.

For more details on how to make and pay for searches
http://www.registry-trust.org.uk/

Where can I find a list of disqualified directors?

Companies House maintains a register of disqualified directors. To access go to, http://www.companieshouse.gov.uk/ddir/

How can I tell if someone is bankrupt?

The Insolvency Service maintains an online register of bankruptcies since 1973. This can be accessed at  http://www.insolvency.gov.uk If you require information from before this time, details of bankruptcies between 1924 and 1973 are held on index cards and may be available by special request.

The Register contains details of bankruptcies that are either current or have ended in the last three months, plus current individual voluntary arrangements and fast track voluntary arrangements as well as current bankruptcy restrictions orders and undertakings.

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