Who uses RecoupIQ · buyer personas
Ten different jobs, one report
The same £167 Forensic Report (and its £29 / £687 / £1,940 siblings) is used by very different people for very different reasons. Each persona below uses different sections of the report, and that's by design. Find yours below.
SME owner / freelancer sending an invoice
About to invoice a new client and wants a fast sanity check.
You've agreed terms, drawn up the contract, you're ready to issue the first invoice. Before you commit, you want to know whether this counterparty actually pays its suppliers, and what to do if they don't.
Report sections you use
- •Recommended credit limit
- •Payment-stress indicator
- •Verdict & Recommendation
- •Recovery scenarios
How a typical user runs it
Run the £29 Quick Check before each new client engagement; upgrade to the £167 Forensic Report on any counterparty over £5k exposure.
Best fit: Quick Check (£29) or Forensic Report (£167)
Sales team / business development
Researching a prospect before a discovery call.
You're a BDR or AE pitching into a UK SME or mid-market account. Knowing the prospect's financial position, sector context, and director profile changes your discovery questions, qualifies the deal faster, and reveals whether the buyer can actually sign for what you're selling.
Report sections you use
- •Connected companies (who else does this director run?)
- •Sector + macro context
- •Financial trajectory
- •Director profile cards
How a typical user runs it
Pre-call research: pull the report 10 minutes before the discovery call. Open with "I see you're in a sector where 5 firms entered administration this week, how is your AR cycle?", instant credibility and qualification.
Best fit: Forensic Report (£167) or Pro subscription for ongoing prospect research
Accountant / finance director
Vetting a customer or supplier for your client.
Your client wants to know whether to extend credit to a new customer, or whether their existing supplier is at risk. You need a defensible, source-cited assessment they can attach to their board pack.
Report sections you use
- •Financial trajectory
- •Sector percentile
- •Payment-stress indicator
- •Recommended credit limit
- •Methodology + sources
How a typical user runs it
Attach the £167 report to the monthly client board pack as the "counterparty risk appendix". Source-cited evidence the directors can read without needing to be data scientists.
Best fit: Forensic Report (£167) or Business subscription for portfolio-scale use
Litigation funder
Evaluating whether to back a recovery claim.
A claimant has pitched you a B2B recovery case. Before you write the cheque, you need to know whether the defendant has assets to enforce against, whether they're a phoenix risk (assets will move pre-judgment), and what unsecured-creditor recovery looks like at multiple stages.
Report sections you use
- •Recovery scenarios
- •Connected companies (asset migration patterns)
- •Secured creditor stack
- •Recoverable UK assets
- •SWOT, threats quadrant
- •Audit trail
How a typical user runs it
Run the £687 Practitioner Pack on each new case before funding. The deterministic Executive Summary PDF is the document you attach to your investment committee paper.
Best fit: Practitioner Pack (£687) or Practitioner Pack Plus (£1,940)
Insolvency practitioner
Onboarding a new appointment or pre-pack candidate.
You've been approached to act on a UK SME. Before you accept the appointment, you need the public-record forensic baseline, connected companies, secured creditor stack, recoverable assets, statutory recovery routes, phoenix-pattern indicators.
Report sections you use
- •Secured creditor stack
- •Connected companies (related entities to consider)
- •Recoverable UK assets
- •SWOT, threats
- •Statutory framework
- •Audit trail
How a typical user runs it
Pull the £687 Practitioner Pack on every new appointment as the standard pre-engagement diligence. The audit-trail page documents every signal we checked, fired or not, defensible against the regulator.
Best fit: Practitioner Pack (£687) or Practitioner Pack Plus (£1,940)
Solicitor, corporate recovery / litigation
Building a recovery file for a client.
Your client is owed money by a UK Ltd. You need a defensible evidence pack, source-cited public-record findings, statutory framework, recovery routes. Defamation Act 2013 §3 honest-opinion compliance matters.
Report sections you use
- •Audit trail
- •Statutory framework
- •Right of reply
- •Methodology
- •Connected companies (Order 41 disclosure)
- •Recovery scenarios
How a typical user runs it
Use the £687 Practitioner Pack as a source-linked evidence record for a board, client file or material onboarding decision.
Best fit: Practitioner Pack (£687) or Practitioner Pack Plus (£1,940)
M&A / investor / acquisition diligence
Pre-acquisition diligence on a UK target.
You're evaluating a UK Ltd for acquisition or material investment. Beyond the financials the seller shares, you need the public-record forensic baseline + sector context + connected-company map (acquihires often miss adverse linked entities).
Report sections you use
- •Financial trajectory
- •Group structure
- •Sector percentile + macro context
- •Connected companies
- •Charges register
- •SWOT
How a typical user runs it
Run the £1,940 Practitioner Pack Plus on every target pre-LOI. Catches the things the seller didn't volunteer, directors' other companies, sector trajectory, hidden charges.
Best fit: Practitioner Pack Plus (£1,940)
HR / onboarding, director-level hires
Pre-employment vetting on a senior hire.
You're hiring a CFO, CEO, or non-exec. Before they sit on your board, you want their full director history, current and prior companies, disqualifications, and any phoenix-pattern indicators across their portfolio.
Report sections you use
- •Director profile cards
- •Disqualified directors register
- •OFSI sanctions list
- •Connected companies (their portfolio)
- •Phoenix indicators
How a typical user runs it
For senior hires, run the £167 Forensic Report on the candidate's most recent UK company + their declared prior directorships. The connected-companies panel surfaces anything they didn't list on their CV.
Best fit: Forensic Report (£167) per company in the candidate's history
Insurance underwriter, trade credit / D&O
Pricing trade-credit or directors-and-officers cover.
You're underwriting trade-credit insurance, D&O cover, or surety bonds for a UK SME. The risk model needs the public-record forensic baseline + sector context + probability of default + recovery scenarios.
Report sections you use
- •Probability of failure
- •Sector + macro context
- •Recommended credit limit
- •Recovery scenarios
- •SWOT
How a typical user runs it
Pre-quote: pull the £167 report. The probability-of-failure curve feeds your premium model; the recovery scenarios feed loss-severity assumptions.
Best fit: Forensic Report (£167) per quote, Pro subscription for portfolio renewals
Procurement, supplier onboarding
Onboarding a new UK supplier into your supply chain.
You're a corporate procurement lead onboarding a UK SME supplier. Before they hit your AP system you need going-concern assurance, OFSI sanctions check, ECCTA director-verification, and beneficial-ownership transparency.
Report sections you use
- •Verdict & Recommendation
- •OFSI sanctions check
- •Director verification (ECCTA 2023)
- •Beneficial ownership / group structure
- •Charges register
- •Audit trail
How a typical user runs it
Standard pre-PO supplier-onboarding step: run the £167 report. The audit-trail page proves to internal audit that the standard checks were carried out.
Best fit: Forensic Report (£167) per supplier, Business subscription for supplier base
Don't see your use case?
The same underlying data, Companies House, The Gazette, HMRC, OFSI, HM Land Registry, ECCTA director verification, serves many use cases. If yours isn't covered above, tell us what you need to know about a UK counterparty.
Tell us about your use case