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unincorporated business number

UC number applied by the system to this company for identification purposes. An alternative to the number assigned by Companies House to limited companies.

date business established at address

Date records show the business establishment

address

Known address of the company

telephone number

Known telephone number of the company

activities

Business activities of the company

number of employees

The number of employees within the company

Risk score - the non-limited risk score (or U score) developed for the Insight Plus report is a prediction of the eventuality of the business becoming bankrupt within the next 12 months.

5.3% of non-limited companies will become insolvent during the course of a year, but this doesn’t mean that every company has the same risk of failure. The U score helps to show which companies have a higher risk of insolvency by comparing their own likelihood of failure with the background rate of 5.3%.

The U score works in the same way as the risk score for a limited company. It gives a score from 1 to 100, with 1 showing a high risk of becoming insolvent and 100 showing a low risk. The scores are worked out based on data from over 18,000 small businesses over 4 years, and takes into account socioeconomic and geodemographic information as well as financial information.

This system indicates the probability of a company becoming insolvent, it is not a certainty or a guarantee. This is the nature of probability – it indicates the likelihood of an event occurring, but cannot predict what will actually happen.

This is one way that the U score can protect your business, as it can help you to manage your bad debt exposure with your non-limited customer base. The credit limit helps you to work out an indication of a company’s capability to settle potential credit transactions. It uses the credit capacity and risk score of a company to help create a guide to the level of credit that this company should be able to settle.

The credit limit for non-limited Companies is worked out according to the standard industrial classification (SIC) of that company, the number of employees and the company’s U score.

Some non-limited companies will not have a U score or a credit limit. This can occur in one of the following situations:

• when there is insufficient information on a business
• when the business has more than 4 outstanding County Court Judgments in the last 6 months and fewer than 25 employees
• when the value of CCJs is greater than £2,000 in the last 24 months
• when there have been more than 3 CCJs in the last 12 months
• when there are more than 10 CCJs in total
• when there is not enough information to estimate financial strength where the business is engaged in certain financial activities, making an estimate of financial strength inappropriate

number of exact unsatisfied CCJs

Exact CCJ matches (matching the name and the address of the company to the relevant CCJ)

number of probable unsatisfied CCJs

Probable CCJ matches (matching the name only of the company to the relevant CCJ)

number of possible unsatisfied CCJs

Possible CCJ matches (matching the address of the company only to the relevant CCJ)

Details of businesses that share the same name or/and address with this company

In exceptional circumstances the information contained within a report may differ from what is expected. The detail of information required by law can differ depending on individual company circumstances:

For companies to be categorised under the following classifications two out of the three statements must be true:

small companies

annual turnover

not more than 2.8 million

balance sheet

not more than 1.4 million

no more than 50 employees

filing regulations

Abbreviated balance sheet and notes, auditors’ report if required (special circumstances), no profit & loss

medium companies

annual turnover

not more than 11 million

balance sheet

not more than 5.6 million

no more than 250 employees

filing regulations

Full balance sheet, abbreviated profit & loss, auditors’ report, directors’ reports and notes to accounts

If you find you are unable to answer all of your questions in this section, we are always delighted to hear from you.

Call us on (0117) 330 8910 with any enquiries