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identeco financial health rating system

Financial Rating Indicators


Companies will be healthy and will have traded for a number of years. They will have financially sound accounts, good payment history and few or no legal notices.


A stable and healthy company, they will have financially stable accounts, good payment history, and few, if any legal notices.


May not have published accounts or are a newly formed company. If accounts are available they would indicate that this business is an average risk with standard payment history and possible legal notices.

Newly incorporated

A newly incorporated business. Health rating cannot be determined due to minimal history.

Alert level low

We recommend you monitor the company due to the detrimental data currently against them. They may have good accounts and standard or poor payment history.

Alert level medium

Serious detrimental data has been identified and close monitoring is suggested. They may still have good accounts and standard or poor payment history.

Alert level high

Serious detrimental data has been detected and a full review of their account status and close monitoring is recommended.


This company has been dissolved by Companies House and no longer exists. Should you be trading with a company in this name you should 1) review your situation immediately, 2) obtain a full disclosure of affairs before entering into any further transactions and 3) ensure you are trading with the correct company going forward.

Not trading

This simply indicates that according to information filed at Companies House the company has a non-trading status. Should credit be sought in the name of the company, care should be taken and a full disclosure sought.


Company has undergone some form of Insolvency. Please check the full record.


A company that may imminently become insolvent. The company is in debt and required to notify the court that they are in a situation of insolvency and that they have begun negotiations with creditors.


This company is removed or 'struck off' the Companies House Register. Once the company is removed from the register, it ceases to exist and can no longer trade, make payments, or sell assets.

identeco, working with RFA, has implemented a proprietary, contemporary financial health scorecard. It is created based on unique financial rules based on decades of UK macroeconomic insolvency experience, together with a highly sophisticated credit limit calculator.

RFA is one of the UK's leading suppliers of credit scoring and decision-making systems that are built with integrity, using internationally recognised methods for the analysis of financial statements and business attributes, by means of scientifically proven predictive models, delivering realistic credit limits for businesses that meet the minimum criteria of fairtrade credit risk.

Credit scoring is based on the assumption that past experience can be used as a guide in predicting creditworthiness and the process of developing a credit score generally relies on the analysis of historical data and or, the experience of credit risk professionals.

A well-balanced scorecard, such as that built by RFA will predict up to 80% of failures from around 20% of the business universe.

A company report from our Business Support Toolkit will include a financial health rating for you to review and assist your credit decisioning process.

Use this information in conjunction with identeco's Account Monitoring and automated alert service to see how we can put you in the driving seat: making sure you understand your customer's financial stability with up-to-the-minute information on changes to your customers.

For more information about the identeco-RFA credit scoring system, click here or contact us today.

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