What your company credit score means
Your company credit score sums up how creditworthy your business looks, based on the information held about it: your filed accounts, payment behaviour, public records and company details. It is shown with a risk band, which is the part most lenders and suppliers act on.
A higher score. Your business tends to find it easier to get credit, on better terms and higher limits.
A mid-range score. Credit is usually available, though limits and terms may be more cautious.
A lower score. Lenders and suppliers may tighten limits or ask for more security; worth acting on.
Check free, then go deeper on your own company
All prices exclude VAT. The free score check gives an illustrative figure; the Company Insight Report (£69.95 + VAT) is the full report on your own business, and the Annual Insight Package (£99.95 + VAT) adds 12 months of monitoring. See what is in the Company Insight Report →
How to improve your company credit score
A score is not fixed; it responds to what your business does. The main levers are within your control:
- File full accounts on time thin or late filings give scorers less to work with.
- Pay promptly late payments and court judgments weigh on the score.
- Keep Companies House accurate correct addresses, officers and SIC codes.
- Reduce outstanding judgments settle and, where possible, have them satisfied.
- Watch your accounts ratios working capital and net worth feed the score.
- Monitor and act early spot changes before a lender does.
Where the information comes from
Your score is pieced together from public and commercial records: your Companies House filings, insolvency notices in The Gazette, county court judgments held by the Registry Trust, and payment and risk signals drawn from credit reference data. It reflects the most recent information on your company at the moment you run a check.
companycreditscore.co.uk is a First Report service. The figures come from live company data at the instant you run a check, so your score and risk band reflect what is on record at that point.
Company credit score FAQs
What is a company credit score?
A company credit score is a rating of how creditworthy your business looks to lenders, suppliers and insurers. It is based on information held about your company, such as your filed accounts, payment behaviour, public records and company details, and it is usually shown on a scale with a matching risk band from low to high risk.
How can I check my own company's credit score?
You can check your own company credit score free with our quick self-assessment: answer a few questions and get an illustrative score and risk band in minutes. For your real, data-driven score, order a Company Insight Report on your own company, provided by First Report.
What is a good company credit score?
Scores are usually grouped into risk bands rather than a single pass mark. A higher score sits in the low-risk band and tends to mean easier access to credit and better terms; a lower score sits in the higher-risk band and can mean tighter limits. What counts as good depends on the scale used, so always read your score alongside its risk band.
How can I improve my company credit score?
The main levers are filing fuller accounts on time, paying suppliers and any court judgments promptly, keeping your Companies House details accurate, and monitoring your score so you can act on changes. Improvements take time to feed through, so it helps to check regularly rather than only when you need credit.