Company Credit Check
UK company credit checks. See what the score misses.
Traditional company credit reports tell you what was filed. Grand builds live profiles across 6.2M UK businesses, surfacing changes in risk, filing behaviour, ownership, and financial health before they reach a credit report.
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Run a risk check on any UK company.
Type a name or company number — see how Grand profiles risk in seconds.
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See a UK company credit check in action.
Watch how Grand builds a live business credit profile using financials, director history, filing behaviour, ownership data, and risk signals.
What is a UK company credit check?
A UK company credit check helps businesses assess the financial health, creditworthiness, and risk of another company before extending credit, entering a contract, or building commercial exposure. Traditional credit reports rely heavily on filed information. Grand goes further, combining financials, filing behaviour, ownership structures, director history, court records, and live risk signals into a continuously updated profile of every UK business. The result is a clearer view of who you’re dealing with, how much exposure makes sense, and what may be changing before it appears in a traditional credit report.
Why Grand
Bureau report vs. Grand decision.
Traditional credit reports reduce business risk to a score and a credit limit. Grand separates the assessment into explainable signals: who the company is, what the evidence says, and what action to take. That means you can see what changed, why it matters, and whether to extend, reduce, or monitor credit.
Framework
Traditional business credit report
Official company status
Credit score
Credit amount
Grand business credit report
Status
Compliance
Filing Behaviour
Financial Analysis
Network Analysis
Momentum
Risk of Failure
Credit Capacity
Product journey
From credit check to continuous decisioning.
A company credit check is only the starting point. Grand helps you assess a company, monitor what changes, and understand every recommendation.
Company Credit Checks
Assess any UK business before extending credit.
Learn more →Business Risk Monitoring
Track changing risk across customers, suppliers, and borrowers while exposure is building.
Learn more →AI Credit Analysis
Understand every recommendation, signal, and risk driver with cited evidence.
Learn more →Trusted across payments, lending, and commerce
From the team behind products and infrastructure used by:
MangopayCledara
StorfundSquare
Novicap
Profile depth
How Grand reaches a credit decision.
A Grand company credit check doesn't rely on a single score or a snapshot of filed accounts. Every assessment combines company structure, trading status, compliance, filing behaviour, financial analysis, momentum, network intelligence, and live monitoring signals to determine how risky a company is, how much credit to extend, and what to monitor next.
01 / Who they are
Before extending credit, you need to know exactly who you're dealing with.
Structure
Who owns and controls the company?
Ownership, group relationships, subsidiaries, directors, and the people ultimately standing behind the business.
Status
Is the company active and trading today?
Trading status, operational status, insolvency activity, and company lifecycle changes.
Compliance
Is the company meeting its obligations?
Regulatory, sanctions, adverse media, and compliance checks that may affect business risk.
02 / The evidence
Once you know who the company is, the next question is whether the evidence supports extending credit.
Filing Behaviour
Can the company's filings be relied upon?
Consistency, disclosure quality, filing timeliness, and filing patterns that may indicate deteriorating transparency.
Financial Analysis
What do the latest accounts actually say?
Liquidity, profitability, leverage, efficiency, coverage, turnover, cash position, and net assets.
Momentum
Which direction is the business moving?
Growth, decline, stability, and changing business conditions across multiple signals.
Network Analysis
Who does the company trade with and does that create risk?
Counterparty relationships, customer concentration, supplier exposure, and network health.
03 / The decision
Grand turns all available evidence into clear, explainable recommendations.
Risk of Failure (ROF)
How likely is the company to fail?
A twelve-month probability of insolvency or distress built from all available evidence.
Credit Capacity (CC)
How much credit should be extended?
A recommended exposure limit based on company strength, risk level, and available evidence.
Workflow impact
The entire credit workflow. Connected.
Assess businesses, monitor risk, explain decisions, and act before exposure builds. Grand replaces disconnected credit checks, monitoring tools, and spreadsheets with one continuous trust workflow.
How it works
From trust signal to business decision.
Grand continuously collects, verifies, interprets, and monitors business data so teams can assess counterparties, make decisions, and act before risk becomes exposure.
Discover
Find any business and instantly access a live profile built from Companies House, court records, compliance data, ownership information, and operational signals.
Understand
Grand transforms raw data into explainable intelligence across structure, status, compliance, filing behaviour, financial analysis, momentum, network exposure, risk of failure, and credit capacity.
Decide
Make onboarding, lending, supplier, customer, and credit decisions with clear evidence, documented rationale, and confidence in the underlying data.
Monitor
Every profile remains under continuous monitoring. When risk changes, filings arrive, directors move, or new warning signs emerge, Grand surfaces them automatically.
Continuous Trust Monitoring
INTELLIGENCE ENGINE
Every signal is checked, explained, and watched.
Grand powers company credit checks, business risk monitoring, customer onboarding, and AI credit analysis through a single intelligence engine. Every company profile is built from verified business data, enriched with additional signals, continuously monitored for change, and transformed into explainable decisions that teams can trust.
Unlike traditional credit reports, Grand does not stop at collecting data. Every source is verified, every signal is assessed for accuracy and confidence, every recommendation is explained, and every profile is monitored continuously as new information emerges.
Layer 01
Verified Data
Grand collects information from Companies House, court records, Gazette notices, director histories, compliance registries, banking data, accounting systems, and customer-provided information. Every source is validated before becoming part of a company profile.
Layer 02
Explainable Intelligence
Grand transforms raw business data into Structure, Status, Compliance, Filing Behaviour, Financial Analysis, Momentum, Network Analysis, Risk of Failure, and Credit Capacity. Every assessment is traceable back to the underlying evidence.
Layer 03
Continuous Monitoring
Every profile remains under active monitoring. When filings arrive, directors change, court events occur, ownership shifts, or risk deteriorates, Grand updates the profile automatically and surfaces what changed.
Sources
Companies House
Accounts, charges, mortgages, officers, ownership structures, and statutory filings.
Court Records
CCJs, winding-up petitions, insolvency events, and legal actions.
Gazette Notices
Strike-offs, administrations, liquidations, and statutory announcements.
Director & Ownership Data
Appointments, resignations, disqualifications, ownership chains, and connected entities.
Connected Business Data
Banking, accounting, ERP, payment, and commercial data shared with consent.
Customer-Provided Information
Contracts, guarantees, onboarding responses, documents, and declarations.
VERIFY. INTERPRET. EXPLAIN. MONITOR.
Grand Intelligence
Verify
Checks source legitimacy, freshness, conflicts, completeness, and confidence.
Interpret
Builds Structure, Status, Compliance, Filing Behaviour, Financial Analysis, Momentum, Network Analysis, Risk of Failure, and Credit Capacity.
Explain
Provides evidence, cited reasoning, decision drivers, and AI-powered explanations.
Monitor
Continuously watches every profile and every signal for change.
Outcomes
Company Credit Checks
Live business credit assessments with Risk of Failure, Credit Capacity, and supporting evidence.
Business Risk Monitoring
Continuous monitoring across customers, suppliers, borrowers, and portfolios.
Customer Onboarding
KYB, identity verification, policy decisions, and audit-ready approvals.
AI Credit Analysis
Plain-English explanations, cited evidence, decision rationale, and recommended next actions.
Audit Trail
Every signal, recommendation, decision, and change recorded and traceable.
Trust every decision.
Every company credit check, onboarding decision, risk assessment, and AI recommendation produced by Grand is backed by verified source data, transparent reasoning, and continuous monitoring.
Customer stories
“We were hours away from letting him walk out of the store with over £100k worth of machinery and then Grand notified us that his company had an administrator appointed by the courts that very day.”
Gary Delahunt
Managing Director — NF Machinery
£100k
Bad debt avoided on the same day Grand flagged a court-appointed administrator.
“Within a week of switching to Grand, we caught two late-filing signals that would have shipped £40k in goods on credit. The bureau gave us nothing on either.”
Sarah Chen
Credit Controller — Northstar Trading
£40k
Bad debt caught the same week Grand's first alerts fired across the new portfolio.
“We embedded Grand's API into our onboarding flow. New customer approval went from 48 hours to under 3 minutes, and our default rate dropped 60% in the first quarter.”
Daniel Park
Head of Product, Embedded Lending — Lattice Capital
60%
Drop in default rate after embedding Grand into the onboarding flow.
Use cases
Built for every credit decision.
From one-off application reviews to ongoing portfolio surveillance.
Trade credit
Onboarding new customers
Full credit picture in 3 minutes. Risk, capacity, director history.
For trade credit teamsEmbedded finance
In-flow underwriting
API checks in your onboarding, lending, or spend journey.
For embedded teamsAsset finance
Borrower review
Live company health alongside asset value before approving.
For asset financeCapital infra
Origination at scale
Live signals into credit policy and front-office checks.
For capital teamsFAQs
Your credit check questions, answered.
Industries
Built for the way your industry does credit.
Every industry has its own risk shape. Grand profiles tune to the filings, behaviours, and signals that matter for the way your sector trades.
Enterprise-grade security and compliance
Grand is designed to help organisations meet security, privacy, compliance, and operational risk requirements from day one.
Independent controls covering security, availability, confidentiality, and operational processes.
Designed to support UK and EU data protection requirements.
Information security controls and risk management practices across the platform.
Regulatory oversight for applicable financial services and payment-related operations.
Industry-standard controls for secure payment data handling.
Check any UK company
Your next bad debt is already in your pipeline.
See it today. Grand surfaces the warning signs bureau reports miss. Risk of failure, director history, live signals. Across 6.2M UK businesses, in under 3 minutes.
Integrations
Slots into the credit and finance stack your team already runs — accounting, ERP, and operational tools across the UK SMB and mid-market.
From the Grand desk
UK credit intelligence
Briefings, analysis, market signals, and research on UK credit, risk, insolvency, lending, and business health.
Subscribe to newsletterCredit Risk Health Check
10-question interactive assessment of your team's credit risk maturity. Returns a score, a tailored recommendation, and a short report you can share with your committee.
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The round backing Grand's AI-powered credit intelligence for B2B trade — built for credit teams in construction, manufacturing, and wholesale.
Read announcement →B2B credit policy template
10 sections — onboarding, limit setting, monitoring cadence, exception handling, committee escalation, audit trail. Editable Markdown you can adapt to your team today.
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