The Creditsafe Commercial Credit Managment Suite

Commercial Credit Management Suite

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Your world leader in commercial credit information

At Creditsafe, we take the headache out of risk management. We’ve built the world’s largest owned database of more than 190 million company credit reports across 50+ countries so that you can instantly tap into it, make good decisions faster, and sit back and relax with peace of mind.

More than 200,000 professionals rely on the information we hold to provide accurate, real-time credit risk information on their customers. Why not join them today?

It’s not only the size and accuracy of our database that has put us ahead. By giving you instant online access to credit information in more than 50 countries, at a low cost, we help companies just like yours reduce exposure to credit risk and defaulted payments quickly and easily.

Introduction

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Commercial Credit Risk UK & Ireland Company Credit Reports ........................................................................................................................................... 5 – 7 International Credit Reports ..........................................................................................................................................................8 – 12 Monitoring ................................................................................................................................................................................................ 13 Batch Credit Checking ............................................................................................................................................................................ 14 Director Reports ....................................................................................................................................................................................... 15 Non-limited & Sole Trader Reports .............................................................................................................................................16 - 17 Blended Sole Trader Credit Reports ................................................................................................................................................... 18 Reminder Letters ..................................................................................................................................................................................... 19 Debt Recovery .......................................................................................................................................................................................... 20

Consumer & Compliance Risk Consumer Credit Reports ............................................................................................................................................................. 22 – 23 Debtor Tracing ................................................................................................................................................................................ 24 – 25 IDVerification ........................................................................................................................................................................................... 26 Anti-Money Laundering ......................................................................................................................................................................... 27 PEP & Sanctions Screening .......................................................................................................................................................... 28 – 29

Integrated Solutions Pre-built Integrations ............................................................................................................................................................................. 31 Company Data API .......................................................................................................................................................................... 32 – 34

Index

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Commercial Credit Risk

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UK & Ireland Company Credit Reports

Our Creditsafe Company Credit Reports for the UK & Ireland are accessible instantly online, accurate, crystal clear, easy-

to-digest and already trusted by over 200,000 professionals worldwide. Straight from our privately owned database (which

is updated over one million times a day) so you know it’s fresh and spot-on accurate.

Getallyouneedtoknowaboutacompany’screditriskinaflash.Foraquickconfidentdecisionandpeaceofmind.

With every report you get;

To do business, or not to do business – that is the question

• A Creditsafe score & recommended credit limit

• Fiveyearsoffullcompanyaccountsinformation

• Complete trade payment history

• CCJ & adverse credit information

• Company linkages and holding companies

• Owner and director details

• Negative press & media commentary

• Original Companies House image documents

• Our commentary and guidance

Allthisandmoredeliveredinstantlyonline.Forspeed,convenienceandcost-effectivenessyoucan’tbeat.

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CCJ & adverse credit information

View full details of County Court Judgments

and their value.

Owner and director information

Know everything about them including past and

current ownerships and directorships.

Company linkages & holding companies

See every company they’re linked to, home

and abroad and view the performance of

the ultimate holding company.


Why our reports are all you need

Company credit score

Calculates probability of a company becoming

insolvent within the next 12 months, based

on 150+ parameters, as well as economic and

industry factors. You get a nice clear 1-100 score.

Complete trade payment history

Analyse the value of late and outstanding

payments as well as the average number of

days beyond terms.

Five years of company accounts

Viewfullfinancialsfromthelast5years

includingTurnover,Profit&Loss,Shareholder

Funds,TradeDebtors,Cash,Assetsandmuch

more.

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Creditsafe commentary

Firstpagecommentaryhighlightsallthe

key areas you need to be aware of and their

possible positive or negative impact.


Official filed documents

Vieworiginalcompanydocumentsasfiled

atCompaniesHouse,includingallfinancial

and auditor reports, director changes and

incorporation-related documents.

Media commentary

View all mentions of the company in the

mediaincludingnegativepress.Filterby

risk terms and monitor any updates.

Everything you need to make good decisions faster!

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International trade made simple

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International Credit Reports

Tap into the world’s largest owned company database in seconds for detailed information on over 190 million companies

worldwide. Get your report instantly online for our 50+ major countries, and just 2-10 working days for the rest of the

world. Just because a company is 1,000 miles away doesn’t mean you should have to wait.

Russia

Serbia

Slovakia

Slovenia

South Korea

Spain

Sri Lanka

Sweden

Switzerland

Taiwan

Ukraine

United Kingdom

USA

Albania

Australia

Austria

Bangladesh

Belgium

Bosnia & Herzegovina

Brazil

Bulgaria

Canada

China

Croatia

Czech Republic

Denmark

Estonia

Finland

France

Germany

Greenland

Hungary

India

Ireland

Italy

Kosovo

Latvia

Liechtenstein

Lithuania

Luxembourg

Macedonia

Malta

Mexico

Moldova

Montenegro

Nepal

Netherlands

Norway

Pakistan

Poland

Portugal

Romania

Instant report availability:

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International scoring made simple

To make things easier for you when trading internationally, we have created an international score. This allows you to

compare company credit scores across the globe; having peace of mind throughout every country you trade in. By using

the same scoring range and risk descriptions for all countries, we make it easy for you to compare reports.

Our score is designed with simplicity, ranging from A-E, A being the lowest risk, D being the highest risk and E being

unrated. It measures the likelihood of a company becoming insolvent within the next 12 months.

Rating Description

VeryLowRisk Proceedwithtransaction–offerextendedtermsifrequired.

Low Risk Proceed with transaction.

Moderate Risk Proceed with caution and monitor closely.

High Risk Request assurances before extending credit in the form of personal guarantees.

NotRated Insufficientinformationtoassignariskscore.Eithernoinformationisavailabletoindicatethe company is trading or further investigation is needed.


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Fresh commercial insight when you need it

Sometimesthereisaneedtofreshlyinvestigateaninternationalbusinessyoubelievemaybeexperiencingfinancial

difficultyorgoingthroughchanges.Creditsafewillfreshlyinvestigateanybusinessthatisnotavailablewithinourlive

online database of more than 190 million companies worldwide.

Freshlyinvestigatedcompanycreditreportsareusuallyavailabletoviewonlinewithin2-10workingdaysandprovide

invaluable insight that might not have come to light through the usual channels.

Creditsafe will freshly investigate and verify;

• Business name and trading location

• Changes that may have recently occurred

• Verificationofownershipandseniormanagement

• Financialassessment

• Creditworthiness and credit limits

• Any adverse business dealings

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Freshly investigated whenever the need

l 2-4 Days

l 5-7 Days

l 8-10 Days


Freshinvestigation

speed of service*

* The average time taken to deliver a fresh investigation in 2015

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Worldwide company monitoring

Monitoring

Receive alerts on:

• Rating changes

• Credit limit changes

• Annual accounts

• Company status changes

• County Court Judgments

• Director changes

• Adversecreditnotifications

• Online media mentions

Peace of mind comes from knowing you’re safe – with existing customers just as much as with new ones. With our Risk

Tracker company monitoring service you’ll get an email any time there’s a change in a company’s credit score or limit.

Essential for keeping an eye on your customers, suppliers and competitors. No one likes missing out; we’re here to make

sure you don’t.

Talk to our team for bespoke and advanced company monitoring solutions.

Monitor companies in:

Belgium,Finland,France,Germany,

Ireland, Italy, Netherlands, Norway,

Sweden, United Kingdom and USA

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Credit check your entire ledger in a flash

Managing customers’ credit risk can be a tricky task, especially when you have a large number of repeat customers.

By sending your customer list to Creditsafe, we can match it against our worldwide database and enhance it with

up-to-date credit risk scores and maximum recommended credit limits.

Records matched to the Creditsafe database can be automatically monitored so that

you receive updates as soon as there are any changes in your customers’ credit risk.

Records can also be enhanced with additional key information including:

• Current and previous credit scores and limits

• Company registration details

• Keyfinancial&employeenumbers

• Director and shareholder names

• County Court Judgment (CCJ) information

• Industryandbusinessclassifications

Batch Credit Checking

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Itpaystofindoutwho’sbehindacompanybeforemakingdecisions.OurDirectorReportwilltellyouataglancewhothe

owner or director is and their history – critical information to know whether you should trust them or not.

Our Director Reports include:

• Fulldirectordetails,dateofbirthandaddress

• Current and previous directorships

• Appointment and resignation dates

• The credit rating of previous companies at time of resignation

• Fullshareholderdetails

Approachwithconfidenceandfinesse.

When you know exactly who you’re dealing with, the top individuals

behind the scenes, you also have the upper hand when approaching

a company with payment terms.

Trust is all about people

Director Reports

Director Illustrator

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Smaller traders needn’t mean bigger risk

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Non Limited & Sole Trader Reports

Trading with sole traders and non-limited companies can be a risky business, especially if you are supplying goods or

servicesoncredit.Creditsafenon-limitedandsoletradercreditreportsprovideverifiednon-limitedcompanydetailson

more than 3.2 million non-limited businesses, including:

• Company name and address • Website address

• Business owner name • Number of employees

• Verifiedtelephonenumber • Premises type

Our non-limited company information is enhanced with additional credit risk information to provide a reliable and

predictive credit score and maximum recommended credit limit, such as:

• Trade Payment History from previous and current suppliers

• County Court Judgments & defaulted payments

• Bankruptcies registered against the address or senior executive

Thisprocessisthoroughlyfollowedandisproventoaccuratelypredictpossiblefailureswherethereislittleornofinancial

information available.

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When dealing with sole traders, knowing who to trust can be tricky. You’re often

faced with no accounts, little payment history, few credit credentials, and no

trading background.

So how do you know if they’ll pay on time… or at all? Well the good news is smaller

traders needn’t mean bigger risk. With consent, Creditsafe Blended Credit Reports

giveyouallyouneedforpeaceofmindandconfidentdecisions.

They include:

• A blended credit score based on business and consumer credit information

• Owner & Business CCJ & Insolvency information

• Recent credit search history against the owner

• Demographic information of postcode area

• Fullelectoralrollinfoandtimeataddress

• Trade payment history from previous suppliers

Blended Sole Trader Reports

You can trust the little guy too

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Chances are, you’re not in the business of debt recovery. Creditsafe

understands that this can be a time-consuming endeavour, and that is

why we developed and automated a debt collection service that gives

you the power of debt collection with the ease of automation.

The service allows you to create and send professional debt recovery

reminders to your customers in seconds, freeing you up to do what you

do best; run your business.

Because letters are sent directly from a credit reference agency, your late

paying customers are much more likely to respond and arrange payment.

You can also choose to share payment information with Creditsafe which

couldaffectacompany’screditscore.

A small reminder with a big impact

Reminder Letters

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Every business has the right to be paid, on-time, for the work you do.

Creditsafe provide the tools for businesses of all sizes to recover any amount

of outstanding debt. Our commercial debt recovery partners will assess your

case and provide a no collection, no fee service ensuring you receive the best

possible chance of getting paid.

Creditsafe commercial debt recovery partners provide:

• No collection, no fee basis

• No upfront charges

• No hidden costs

• A choice of debt collection partners

• Detailed updates of your cases

• Debtor tracing

• UK & International collections

• Limited and Non-limited company collections

It’s time to collect

Debt Recovery

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Consumer and Compliance Risk

A

A

A

A

AA

A

A

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Trust through complete transparency

Consumer Credit Reports

Whenitcomestofinancialrisk,ifyou’reintheindustryofdealingwithconsumers

they are just as important to credit check as corporate giants.

If you have doubts about an individual you are doing business with, our Consumer

Reports will give you the insight you need to make quick, informed decisions

aboutwhoyoudoordon’twanttodobusinesswith.Aswellasconfirmingthe

applicant’s name, address and the presence of any adverse public data; our credit

report information also shows the applicant’s payment history on their credit

commitments.

Consumer credit information can be accessed instantly online or delivered via our

consumer API for automated application processing.

• Check the credit status of company directors, proprietors and individuals

• Decide who you do or don’t want to do business with

• AccessinformationfromtheElectoralRoll,PublicInformationFile,and

details of aliases and associations

• Receive simple and easy-to-use risk scores

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SearchApplicant 1

Applicant 2

Search

Mrs A Williams

Mrs G Evans

DOB

DOB

Address Details

Postcode

Credit score

583/608Confirmed Details

Address

Credit Searches

Undeclared Links

Notices

Past 3 MonthsPast 12 Months

CorrectionsDisputes

Previous Address

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Insolvency & CCJ

CCJ Details

Currently InsolventInsolvencies in last 6 yearsActive CCJsSatisfied CCJsTotal Amount

Consumer searches made simple

Consumer Credit Reports

Step 1: Single or joint application search

Step 2: Fullcreditreportandcreditriskdetails

Step 3: Adverse credit information

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The rate at which people move house or relocate to new cities or countries is ever increasing, and that can make it

incrediblydifficultforcompaniestolocatemissingdebtors. Prompt and successful debtor tracing is key to a great

collectionstrategy.Callinguponawealthofconsumerdata,Creditsafeprovidesarapid,efficientandcompliantwayto

trace debtors instantly online.

Creditsafeprovidearangeoftracingservicesthatwillfulfilallyour

businessrequirementsforeffectiveandexpeditiousdebtortracing.

Batch Tracing

If you have high volumes of debtors to trace, batch

tracing is the ideal solution. Utilising powerful

forwarding address link databases, it will trace debtors

on an automated batch basis.

Debtor Tracing

You don’t need to be a detectiveto find missing customers

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DetailsName

Address

Telephone

Address

Address

Alias

Alias

ReportExcel Name Address Phone

Name

Address

Telephone

Alias

Address Links

DOB Appending

Mortality Screening

Debtor Tracing

Batch Debtor Tracing

Step 1: Batch upload list of debtors

Step 2: Debtors matched against multiple 3rd party databases

Step 3: Updated debtor details returned to customer

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Know who you’re dealing with

ID Verification

Duetotheincreasedproductionofforgeddocuments,manualidentitychecksmakeitdifficulttoaccuratelyverifyan

individual’s identity quickly. Anyone who conducts business via phone, mail or online should ensure they have stringent

identity checks in place as identity fraud now accounts for approximately half of all fraud conducted in the UK (Source:

CIFAS).Solicitorshaveobligationstocomplywithanti-moneylaundering(AML)regulationsand,alongwiththeirstaff,are

obligedtoreportanysuspiciousactivities.Identitycheckingclientsprovidesyouwiththeconfidencethatyouaredealing

with legitimate people.

IdentityfraudisoneofthefastestgrowingcriminalenterprisesintheUK.Fortunately,theCreditsafeIDVerification

service can provide peace of mind in a matter of seconds.

Drivers Licence BankVerification Utility Bill

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Don’t Gamble with Compliance Risk

Anti-Money Laundering (AML) checks

‘KnowyourCustomer’policiesstatethattheresponsibilityofclientverificationfallsonyou.Reducetheriskofnon-

compliance whilst verifying a customer’s identity and taking precautions to prevent money laundering.

Benefits:

• EliminatetheneedforlengthyandexpensiveIDverifications

• Simple approval system based on a comprehensive range of data sources

• Run reports in less than 60 seconds, online, via our API or batch service

• Verifyindividualslivingattheaddressusingofficialsources

• Check against multiple International Sanction & PEP databases

• Verify against UK Drivers Licence, International Passports & Utility bills

• Carries a full comprehensive audit trail for 6 years

Creditsafe AML checks are designed on the enhanced Customer Due Diligence requirements detailed in the Joint Money

Laundering Steering Group (JMLSG) guidelines.

Solicitorshaveobligationstocomplywithanti-moneylaunderingregulationsand,alongwiththeirstaff,areobligedto

reportanysuspiciousactivities.Identitycheckingclientsprovidesthemwiththeconfidencethattheyaredealingwith

legitimate persons.

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PEP & Sanctions screening

Mitigate risk with global sanctions list screening

Politically Exposed Person’s (PEP) and Sanctions Screening mitigate regulatory and reputational risk by giving you intelligence you can act on. Creditsafe provides access to PEP and Sanctions Screening lists, enabling you to screen a person’s identity against worldwide government issued data - so you can identify politically exposed persons, terrorists, criminalsorsanctionedorganisationsandcountries.Bycombiningouraccuratedatawithflexibleandscalablefilteringandmatchingsolutions,ourcustomerscanreducerisk,increaseoperationalefficiencyandlowerthecostofAMLcompliance.

Benefits to you:

• The industry’s most comprehensive data with 100% coverage of regulatory lists from around the world

• Recordsincludeindustrystandardidentifiersforenrichedmatchingcapabilities

• Access to the largest PEP database in the world through C6 covering over 240 countries and territories

• Advanced search and predictable matching, enabling accurate and fast processing

• The ability to monitor and screen clients on a daily, weekly or monthly basis

Creditsafe PEP and Sanctions Screening service is a comprehensive solution enabling you to centralise and manage your organisation’s screening against best-in-class data. PEP and Sanctions Screening helps you quickly identify a variety of high risk entities posing economic and reputational risk to your organisation.

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Fast track your compliance search

SearchPerson

Business

Search

Alex Bates

Sales Exchange Ltd

ResultsLevel

Export

0 100

Name Pep Score

Adam Bates 100

Adrian Bates 61

Alan Bates 35

Alex Bates 78

Monitoring

Name

Gender

Nationality

PEP Level

Addresses

Details

PEP & Sanctions screening

Step 1: Search by name or company

Step 2: Quicklyconfirmanypossiblesanctions

Step 3: Monitor individuals and companies for future changes

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Integrated Solutions

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Integrated Solutions

For every role and industry, there’s an app

Creditsafe apps are customised for almost all CRM and Accounting packages. Our apps are quick and easy to install and

instantly eliminate risk by bringing up-to-date credit information directly from Creditsafe into your business applications.

Pre-Built Integrations

Creditsafe is compatible with

Findoutmoreaboutourreadytouseappsat

http://solutions.creditsafeuk.com

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Delivering Data in Real-Time

Company Data API

Covering more than 190 million company and director records globally, the Creditsafe API allows direct access to integrate morethan200datafieldsintoyourownsoftwareandbespokeapplications.

The Creditsafe API gives you real-time access to:

• UK & International company information

• Fullfinancialaccounts(upto5years)

• Company name and address details

• Director and shareholder

• Group structure information

• Credit scores & recommended limits

• Adverse credit information

• Employee information

• Plus much more

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Choose from over 200 fields of information

Key Financials

Credit Scoresand Limits

Directors & Secretaries

Registered andTrading Addresses

Mortgages & CCJ’s

Your API

Shareholders

Company Data API

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How our customers put the Creditsafe API to work

Marketers Build, update and maintain lists with clean, real-time data.

Finance Monitor the health of customers, suppliers, prospects and partners.

Sales teams Bring real-time prospect information into your sales systems.

Product developers Power your apps with real-time data and analytics.

International teams Getcredit,financialanddirectorreportsonanybusinessintheworld.

Designed with your business in mind.

Simple to use Get started and start pulling data within minutes.

Support World class support and advice for integration troubleshooting.

Flexibility Findcompany&directordetailsaswellascomprehensivefinancials&creditinformation.

Seamless integration Can be integrated with the majority of leading CRMs within minutes.

Speed and scalability Responds instantly to queries and can grow as quickly as your business.

Company Data API

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Talk to a credit risk consultant today on 02920 886500or visit www.creditsafeuk.com

Discover how Creditsafecan help your business

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Company Name Painting Ltd

Company Number 012356

Registered Address Cardi�, United Kingdom

Website Address www.paintingltd.com

Telephone Number 01234

Incorporation Date 18th June

SIC Description Other Service

£5000 £3000 Active Active 20

Credit Limit Contract Limit Status DBT Industry DBT

Payment Trend

Summary Directors/Shareholders Financials Event History Group Structure

Rating

Does this company owe you money?

Company Credit Report

Get in touch

Creditsafe UK, Bryn House,Caerphilly Business Park,Van Rd,Caerphilly,CF833GR

Tel: 02920 886500Fax: 02920856545 Web: www.creditsafeuk.com twitter.com/creditsafe facebook.com/creditsafe linkedin.com/company/creditsafe Registered in Wales. Company number: 03836192