| The following gives a summary of each section contained within the "Credit Report". |
| Statutory Information (Company Identification) |
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Background information on the target company, including official Registered Office address details, enables quick and accurate identification |
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Trading address, phone and fax number |
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Presence and display of previous company names provides better insight into the history of the company you are looking at and can reduce the risk of bad debt/fraud |
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Standard Industry Classification (SIC) codes can be useful for marketing and sourcing new business |
| Company Capitalisation |
| Offers a summary of the issued capital, and how that is distributed amongst the shareholders, together with information on the company ownership and group subsidiaries. |
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Issue share breakdown illustrates how much capital has been put into the business. This is the limit to which the shareholders are liable should anything go wrong with the company, so it will give an insight into the faith the shareholders have in the business. This could be vital if you are deciding to work with, or trade with such an organisation. |
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Share ownership breakdown shows you exactly who is behind the company. This could be one individual, a number of individuals, other companies or even a combination of individuals and companies. |
| Financial Analysis |
| Gives a complete overview of the company's financial status taken from the latest 4 years accounts filed at Companies House. |
| Ratios Section |
| Key figures and ratios (and importantly the trends in those figures) may help you decide if you feel the company is: |
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Moving in the right direction - expanding or contracting. |
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Liquid - do current assets out number short-term liabilities? |
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Highly geared - are borrowings too high and company susceptible to fluctuations to economic conditions? |
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Solvent - is the bottom balance sheet figure negative? This means that total liabilities are greater than total assets and the company is actually operating at that time from an insolvent position |
| All these factors could be vital if your considering working with that company. |
| Industry Comparison |
| Compares the subject company with other companies in the same industry. This could be useful if you are looking at a number of companies at the same time. Looking at industry averages not only allows you to compare company against company, but also how these are performing against the industry as a whole. |
| Auditors |
| This section shows the auditor name, and the comment that was made by the auditor on the latest company accounts. |
| Report of Company Officers |
| This allows individual assessment, looking more directly at the people who manage and run the company. Using this information together with our "Individual Directors Report" will allow you to take a look in greater depth at the past track record of the company officers of the company. Past performance is a powerful indicator to future activity, and if you are going to invest money, time and effort working with any company then this information may well play a vital role in your decision. |
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Director/Company Officers' full name |
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Address |
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Date of birth |
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Date appointed |
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Position in company |
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Indication of any other directorships |
| Safeguard |
| Safeguard is one of the most comprehensive online protection services available on the market. Based on an in-depth analysis of over 400 of the most serious cases of corporate fraud, Safeguard evaluates a company against approximately 50 indicators of credit risk. Safeguard then provides you with a simple rating which indicates how risky the company really is. |
| Gazette and Detrimental |
| Contains gazette information such as High Court Writs (claim forms), Winding Up Petitions, Meetings of Creditors, Receiverships, Administration Orders and Liquidations. This gives the ability to quickly assess the legal status of the company, the likelihood of failure, or those who are in difficulty. Also indicates efficiency of the company in settling supplier disputes. |
| Credit Profile |
| This section brings together vital credit profile information such as: |
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Full CCJ data including date, amount, court, and status allows assessment of the company's ability and willingness to pay its suppliers |
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Payment profile allows comparison of payment trends and liquidity with companies in the same industry |
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Vital signs show "at a glance" view of trends over the last two filings |
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Credit Score, Rating & Limit |
| Analysts Report |
| For those people who may not be so familiar with accounting and financial terms, this section brings out the key points. This section is also where you will see the credit opinion of our analysts. The credit opinion will give a good insight into the analyst view of the company. Remember, as companies will be all different sizes, what may seem a good limit for one company may not be for another. For example, a credit limit of £5,000 for a company with a final balance sheet figure of £50,000 is showing a better opinion than a £5,000 limit to a company with a final balance sheet figure of £500,000. |
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