Fraud Detection
Detect businesses that aren’t what they appear to be.
Identify businesses that may be misrepresented before, during and after verification. Grand combines filings, ownership, director, network and behavioural intelligence with KYB, KYC, AML, sanctions and continuous monitoring to detect trust risks before they become bad debt, fraud or loss.
Try it now
Run a risk check on any UK company.
Type a name or company number — see how Grand profiles risk in seconds.
Watch demo
See fraud detection in action.
Watch how Grand reads a company’s filings, ownership, directors, and network — and flags the businesses that aren’t what they appear to be.
What is business fraud detection?
Business fraud detection identifies companies that aren’t what they appear to be — misrepresenting financial strength, manipulating filings, hiding behind shell or phoenix structures, or showing the early signals that precede fraud, default and commercial failure. Grand detects it across 6.2M UK companies by combining KYB, KYC, AML, sanctions, PEP, UBO and ownership verification with deeper trust intelligence — filings, ownership, directors, networks and behaviour — and continuous monitoring after onboarding.
Why onboarding checks aren’t enough
A business can pass every check and still become your biggest risk.
Most fraud tools focus on the moment a business enters your organisation. The problem is that fraud, misrepresentation and financial distress often emerge after onboarding.
A business can pass every identity, AML and verification check and still become your biggest risk six months later.
Grand continuously monitors businesses for changes in behaviour, structure, filings and trust signals — helping you identify risk before losses occur.
We focus on what happens after the credit check.
Where Grand starts
Most platforms start with verification. Grand starts earlier.
Most business risk is visible before a verification check is ever performed.
A company’s filings, ownership structure, director history, network relationships and operating footprint can reveal warning signs long before onboarding begins.
Grand helps you identify businesses that don’t make sense, then combines that intelligence with KYB, KYC, AML, sanctions screening, ownership verification and continuous monitoring to build a complete picture of trust.
Because knowing a business exists is only one part of the decision.
You also need to know whether it should be trusted.
The full picture
Detect. Verify. Assess. Monitor. Explain.
Grand is a complete platform for business verification, compliance, trust intelligence and continuous monitoring — not a single-layer tool. Each layer feeds the next, end-to-end across every counterparty.
Trusted across payments, lending, and commerce
From the team behind products and infrastructure used by:
MangopayCledara
StorfundSquare
Novicap
Filing behaviour analysis
Verification proves a business exists. Filing behaviour proves it makes sense.
On top of KYB, KYC and ownership checks, Grand examines statutory filings, ownership structures, director history, network relationships, trading signals and business activity to identify companies whose claims may not match reality.
Filing-behaviour analysis is the standout no incumbent does — the realism check underneath every risk model.
Detect financial statements that don’t add up.
Grand analyses statutory filings for:
- Consistency
- Completeness
- Realism
- Manipulation indicators
- Unusual patterns
Because every risk model is only as good as the data underneath it.
Network intelligence
Trust doesn’t exist in isolation.
A company can look healthy on its own. Its relationships often tell a different story.
Grand analyses the relationships around a business to identify risks that traditional fraud and verification tools often miss.
Ownership structures
Director histories
Connected entities
Counterparty relationships
Network-level signals
Network detection
Detected by Grand. And by the businesses they’ve burned.
Verified Grand businesses aren’t just identities — they’re a live signal source. When a customer, supplier or lender that’s been victim to fraud, misrepresentation or non-payment reports a counterparty back to Grand, that report triggers a review by our team.
Fraud detection on Grand runs on two parallel sources: what we identify through filings, ownership, directors, networks and behaviour — and what verified businesses report from real experience.
Every report contributes to the signal layer underneath every Grand profile. The more the network grows, the harder it gets for a misrepresented business to stay hidden.
Source 1
Grand identifies
Filings · ownership · directors · networks · behaviour
Source 2
The network reports
Verified businesses · real experience · triggers review
Every network flag triggers a review. Every confirmed report adds to the signal layer underneath every Grand profile.
What Grand detects
From misrepresented strength to outright fraud.
Why Grand
From front-door checks to the whole business.
Traditional fraud tools verify a business at the front door. Grand analyses the business itself and keeps watching — so misrepresentation and deteriorating trust don’t slip through after onboarding.
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 trust decision.
From onboarding a new customer to watching the whole book.
Trade credit
Verify before you extend
Catch misrepresented strength and shell structures before approving terms.
For trade credit teamsEmbedded finance
Screen in-flow
Flag businesses that don’t add up during onboarding and approval.
For embedded teamsAsset finance
Check the whole structure
Surface phoenix and network red flags before you disburse.
For asset financeCapital infra
Watch the whole book
Continuous fraud and misrepresentation signals across your portfolio.
For capital teamsThe intelligence layer
Powers your fraud and decisioning stack.
Grand doesn’t replace your decisioning engine, case management or onboarding tools — it powers them.
Feed Grand’s cited business-truth into your existing fraud and decisioning workflows via API, so every decision is made on the most current view of the business.
FAQs
Fraud detection, answered.
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.
See what others miss
The business that doesn’t add up is already in your book.
Detect misrepresented strength, filing manipulation, shell structures and deteriorating trust across 6.2M UK companies — with the evidence, cited.
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.
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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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