Make better decisions about your suppliers and customers
How can Experian's Business Express help?
Experian Business Express has one of the most predictive scoring models in the industry, which helps you predict business credit risks and failures of business partners, suppliers or customers within the next 12 months.
Once set up, you'll have immediate access to all the business finance data you need to make the right decisions for your business. Our commercial credit reports provide the most complete and in-depth analysis of a company’s credit information.
Key Features
Business identification and credit score rating
See a business’ age, registered number, registered office address, website address, telephone number and industry type. Get a full credit assessment that includes a risk score for the last 12 months and a risk summary, a credit limit, CCJs and alerts.
Public record information
Find out any County Court judgements (CCJs), legal notices, mortgages, charges and satisfactions.
Detailed payment information
See a full payment summary, including Days Beyond Terms (DBT) for the last 12 months, average DBT, payment performance by size of account, payment by different terms, a list of unpaid accounts and if the company has a consistent payment pattern.
Financial information (latest year)
Get a good overview of company/business financials with a detailed balance sheet, cash flow items, profit and loss, company ratio and disclosure items and an accounts summary showing total turnover, profit margins, total assets and shareholder funds.
Director’s information
Information on company directors includes their name, age, nationality and date appointed along with other current directorships and companies they have also resigned from.
International credit reports
Access to global business information means you can company check and maximise every opportunity to your business. Credit check and risk reports are available for over 238 countries and territories worldwide.
Improve cash flow & collections
Improve your collection process by taking your sales ledger data and combining it with our credit information. Our ledger control solution shows exactly where your outstanding money is and highlights the top debtors to your business. This allows you to prioritise your credit control and payment collections, which in turns reduces the risk of bad debt, cuts time to payment and improves cash flow.
Monitoring alerts
Daily company credit check monitoring alerts direct into your inbox.
We're on hand to support you. You'll receive:
Which Experian Business Express solution is right for you?
Business Express
One-off Company Credit Reports
- Get an instant business credit report and see a clear company check with financial status and directors.
- Cost effective if you only need a few credit reports.
FREE trial available
Business Express
Company Credit Reports
- All features and add-ons available.
- Choose one of our existing packages or build your own package specific to your needs.
- Dedicated account manager.
Frequently Asked Questions
We process and publish information as soon as we receive it, so the credit score and products are as up to date as possible. We also proactively source, update and correct information throughout the day.
UK - We source data from Companies House, the London, Edinburgh and Belfast Gazette’s, Registry Trust Ltd, business directories; we constantly scan media and other sources for insolvencies. All this can add up to over 100,000 data updates every day and enables us to produce accurate, up-to-date credit reports on registered and non-registered business in the UK, accessible 24/7. Financial data is taken from the company accounts filed at Companies House and analysed by our Experian experts.
International - Every report uses high quality data compiled from Experian globally located Credit Bureaus and partnerships with leading international data companies within their respective domestic market. Overseas companies have different filing laws to the UK, so the information available may vary from country to country. For more information, view the filing regulations help guide.
If they’ve filed full accounts as opposed to abbreviated accounts, there is more data to capture and show within a credit report.
We receive data from several sources. Any adverse data is uploaded to our website regularly throughout the day. By adding companies you trade with to your monitoring list you can get email alerts as soon as new data is received and decide if you need to review the credit you are currently extending to them.
Our credit score and reports are concise and user friendly. They will provide an ‘easy to view’ suggested credit limit for a lender/creditor.
It depends on their status and what type of company record they’ve filed, i.e. non trading/dormant accounts. It could also indicate there is adverse information.
Our risk assessment will give a summary of the reason for the suggested credit limit.
7.5 million but increasing daily.
International Credit Report:
North America | Europe | Asia
Europe
Aland Islands, Albania, Andorra, Austria, Belarus, Belgium, Bosnia and Herzegovina, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Faroe Islands, Finland, France, Georgia, Germany, Gibraltar, Greece, Guernsey, Holy Vatican City, Hungary, Iceland, Ireland, Isle Of Man, Italy, Jersey, Latvia, Lichtenstein, Lithuania, Luxembourg, Malta, Moldova, Monaco, Montenegro, Netherlands, Norway, Poland, Portugal, Romania, Russia, San Marino, Serbia, Slovakia, Spain, Svalbard & Jan Mayen, Sweden, Switzerland, Turkey, Ukraine, United Kingdom
Asia
Afghanistan, Armenia, Bahrain, Bangladesh, Bhutan, Cambodia, China, Christmas Island, Croatia, Hong Kong, Lebanon, Macau, Malaysia, Maldives, Mongolia, Myanmar, Nepal, North Korea, Oman, Pakistan, Philippines, Qatar, Saudi Arabia, Singapore, South Korea, Sri Lanka, Syria, Taiwan, Tajikistan, Thailand, Timor-Leste, Turkmenistan, United Arab Emirates, Uzbekistan, Vietnam, Yemen
Americas
Anguilla, Antigua & Barbuda, Argentina, Aruba, Bahamas, Barbados, Belize, Bermuda, Bolivia, Bonaire, Brazil, Canada, Cayman Islands, Chile, Colombia, Costa Rica, Cuba, Curacao, Dominica, Dominican Republic, Ecuador, El Salvador, Falkland Islands, French Guiana, Greenland, Grenada, Guadeloupe, Guatemala, Haiti, Honduras, Jamaica, Martinique, Mexico, Montserrat, Nicaragua, Panama, Papua New Guinea, Paraguay, Peru, Puerto Rico, Saint Barthelemy, Saint Kitts & Nevis, Saint Lucia, Saint Martin, Saint Pierre & Miquelon, Saint Vincent & The Grenadines, Sint Maarten, Suriname, Trinidad & Tobago, Turks & Caicos Islands, United States, Uruguay, US Outlying Islands, Venezuela, Virgin Islands (British), Virgin Islands
Africa
Algeria, Angola, Benin, Botswana, Burkina Faso, Burundi, Cameroon, Cape Verde, Central African Republic, Chad, Comoros, Côte d'Ivoire, Djibouti, Egypt, Equatorial Guinea, Eritrea, Ethiopia, Gabon, Gambia, Ghana., Guinea, Guinea Bissau, Guyana, Kenya, Lesotho, Liberia, Libya, Madagascar, Malawi, Mali, Mauritania, Mauritius, Mayotte, Morocco, Mozambique, Namibia, Niger, Nigeria, Republic of the Congo, Réunion, Rwanda, Saint Helena, Ascension & Tristan Da Cunha, Sao Tome and Principe, Senegal, Seychelles, Sierra Leone, Somalia, South Africa, South Sudan, Sudan, Swaziland, Togo, Tunisia, Uganda, United Republic of Tanzania, Western Sahara, Zambia, Zimbabwe
Oceania
American Samoa, Australia, Cook Islands, Fiji, French Polynesia, Guam, Heard & McDonald Islands, Marshall Islands, Micronesia, Nauru, New Caledonia, New Zealand, Niue, Norfolk Island, Northern Mariana Islands, Palau, Pitcairn, Samoa, Solomon Islands, Tokelau, Tonga, Tuvalu, Vanuatu, Wallis & Futuna