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Company credit check, UK

Before you give a UK company credit or terms, you want to know if they can pay and if they will still be here to. Here is what a company credit check covers, and a no-contract, pay-as-you-go way to run one.

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What a proper credit check covers

  • Solvency: cash, net assets, and the trend in the filed accounts.
  • Survival risk: the warning signs of approaching insolvency.
  • The directors: past failures, disqualifications, and their other companies.
  • Sanctions and regulatory flags: the UK sanctions list and the FCA Warning List.
  • Payment behaviour: does the company actually pay its suppliers on time.
  • Recovery: if it does fail, is there anything to chase.

No contract, pay as you go

You do not need an annual agency contract to check one company. RecoupIQ runs every check above on demand and returns a single verdict with the evidence and source links. A Quick Check is £29; a full Forensic Report is £167. Pay once, no subscription required.

Quick Check, £29Forensic Report, £167

Common questions

How do I run a credit check on a UK company?

You can pull the basics yourself from Companies House (status, accounts, directors) and The Gazette (insolvency notices). A full credit check also weighs the financials, the directors track record, sanctions, and payment behaviour into a risk read. RecoupIQ does all of this on demand for a one-off fee, no subscription or contract.

Do I need a contract with a credit agency?

No. The traditional agencies sell annual contracts. RecoupIQ is pay-as-you-go: a Quick Check is £29 and a full Forensic Report is £167, one-off, no contract. Subscriptions are optional and start at £19.99 per month for ongoing monitoring.

What does a company credit check actually tell you?

A good one tells you whether the company is solvent, whether it is heading for trouble, whether the people behind it have a record of failures, whether there are sanctions or regulatory flags, and whether the company pays on time. RecoupIQ returns a single plain-English verdict with the evidence behind it.

Is a free Companies House check enough?

It is a good start and it is free, but it will not screen for sanctions, join the directors history across other companies, surface court winding-up petitions, or tell you how the company actually pays. A proper check joins those records together.