Financial Health Ratings that Accurately Predict Insolvency

Every year around 15,000 UK businesses become insolvent. The average insolvent company leaves behind £205,000 in unpaid invoices.

If an insolvent customer owes you money you may never get it back. The resulting bad debt and loss of revenue can devastate your business.

But most business owners don’t know their customer is at risk until it’s too late.

Red Flag Alert’s financial health ratings protect your business by accurately predicting which customers are at risk of insolvency.

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Insolvency Risk Scoring

We assign every UK business a financial health rating that accurately predicts which ones are at risk of insolvency.

These predictions enable you to monitor the financial health of your current and prospective clients and suppliers. You can take proactive steps to protect your business should a customer’s risk level start to increase.

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Why Red Flag Alert

Data on every UK company

Our database contains over 100 data points on every UK company.

Real-time data

Our data is updated in real time, giving you accurate risk predictions.

Broad range of sources

We draw data from more sources, so our scores are more reliable than our competitors’.

Monitoring alerts

Be informed as soon as something changes in your clients’ risk profiles.

Free Company Report

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Enter a company name and click Free Report to see:

Credit Rating
Accounts
Key Financials
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Interactive Insolvency Chart

Free Tool - Insolvency Scorecard for UK Regions

Our scorecard provides a rating for each company, with gold, silver, bronze and amber for healthy businesses and one, two and three red flags for companies at risk of insolvency.

Select the below ratings to see how UK Regions fare:

Gold Rated Companies Explained

A good history of filing compliance, with ideal levels of gearing, optimal liquidity, and favourable trends. Very low risk and open credit is recommended.

UK Regions with Gold Rated Companies:

East of England	Northern Ireland	Wales
178	37	86

Scotland	Midlands	North East
149	358	45

North West	Yorkshire	South East
249	168	506

London	South West
548	214

Silver Rated Companies Explained

Companies will be stable with healthy financials and a full history of filing compliance. Gearing and liquidity will be reasonable. Low risk and open credit is recommended.

UK Regions with Silver Rated Companies:

East of England	Northern Ireland	Wales
127	21	57

Scotland	Midlands	North East
90	244	36

North West	Yorkshire	South East
162	129	303

London	South West
464	111

Bronze Rated Companies Explained

Companies may be new with no detrimental information, or where financial data is available, it may not be ideal. Fair trade risk and open credit is recommended.

UK Regions with Bronze Rated Companies:

East of England	Northern Ireland	Wales
554	126	275

Scotland	Midlands	North East
561	1314	174

North West	Yorkshire	South East
973	494	1414

London	South West
3021	538

Amber Rated Companies Explained

Companies are newly incorporated or have only passed the lower threshold of the credit score algorithms, and display some financial, payment or filing characteristics that make them an elevated risk. Moderate risk and open credit is only recommended with caution.

UK Regions with Amber Rated Companies:

East of England	Northern Ireland	Wales
622	120	276

Scotland	Midlands	North East
521	1412	186

North West	Yorkshire	South East
1101	654	1539

London	South West
3837	552

1 Red Flag Alert Rated Companies Explained

Companies are in the weakest 20% in their size category and display risk factors that might include a deteriorating financial position, sub-optimal gearing or liquidity, and the possible presence of recent or significant legal notices. The risk is elevated, and suppliers should seek suitable assurances or guarantees.

UK Regions with 1 Red Flag Alert Rated Companies:

East of England	Northern Ireland	Wales
247	48	126

Scotland	Midlands	North East
183	544	79

North West	Yorkshire	South East
436	221	650

London	South West
1512	247

2 Red Flag Alert Rated Companies Explained

All the negative characteristics of a business with 1 red flag, plus additional significant risk factors, such as a county court judgement. Very high risk and guarantees advised.

UK Regions with 2 Red Flag Alert Rated Companies:

East of England	Northern Ireland	Wales
16	5	8

Scotland	Midlands	North East
10	36	6

North West	Yorkshire	South East
28	15	43

London	South West
53	21

3 Red Flag Alerts Rated Companies Explained

All the negative characteristics of a business with 2 red flags, but the situation is so dire that immediate insolvency is probable. 56% of companies with three red flags will cease to trade within seven days. Very high risk and guarantees advised.

UK Regions with 3 Red Flag Alert Rated Companies:

East of England	Northern Ireland	Wales
3	0	3

Scotland	Midlands	North East
1	14	2

North West	Yorkshire	South East
11	10	10

London	South West
17	9

Listen to how we have helped our customers

We love working closely with all our customers, helping them integrate and use data in their businesses. Hear what some of them say.

"We were looking for a partner to enhance the data offering to our clients, and Red Flag Alert have done just that. They understood our business, our culture, and our aspirations for the future. We’ve seen some great feedback on our integration, and we are very happy with both the solution and team at Red Flag Alert."

Rob Mead

Strategic Software Projects Director

"We use the search tool to identify businesses in specific geographic areas, with the right number of staff, the right turnover, and a low risk of non-payment. Now we have experienced the benefits of Red Flag Alert, we could not be without it."

Mark Bryan

NSL Telecoms

"From a business development perspective, our brokers are benefiting greatly from the additional information that Red Flag Alert supplies – we’re able to zero in on ideal prospects and build effective marketing lists."

Ben Robert-Shaw

Power Solutions UK

See All Case Studies

Effectively Predicting the Risk of Several Businesses

We often predict financial difficulties that our competitors and other traditional credit reference agencies miss. Here are some examples.

P&O

On 17 March 2022, P&O Ferries sacked 800 staff due to financial pressures.

One of our competitors rated the company 100/100 and recommended a £13 million credit limit right up until news of the sackings broke.

We predicted the troubles at P&O. We had rated the company one red flag since February 2022, and amber since December 2020. We recommended against extending credit.

PDR Construction

On 11 January 2022, Yorkshire-based PDR Construction LTD went into administration. The day before, several of our competitors recommended extending credit to the company. The highest limit was £470 million.

Shockingly, our competitors hadn’t changed their rating the day after the administration was announced.

We had rated the company one red flag since early January and recommended against extending credit to it.

Learn How Red Flag Alert Can Protect Your Business Today

Don’t let your company fall victim to insolvent debt. Request a free demo today and discover how Red Flag Alert can protect and futureproof your business.

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