Your real, data-driven score
Company Insight Report
The Company Insight Report is a credit report on your own company, made for owners and directors. It shows your actual credit score, risk band and suggested credit limit, and sets out the factors behind them, so you know exactly where you stand and what to improve.
What is included
- Your credit score & risk band where your business sits, from low to high risk.
- Suggested credit limit the exposure the data supports for your company.
- The factors behind the score what is helping and what is holding it back.
- Financial summary key figures drawn from your filed accounts.
- Public record county court judgments and insolvency-related notices, where held.
- Company & director detail the registered information held on your business.
companycreditscore.co.uk is a First Report service. Because data is drawn at the moment of your order, your report reflects the latest information held about your company.
Example Company Insight Report
| Registered Number | 90042871 | Sales | £9,640,000 |
| Date Incorporated | 06 February 2018 | Pre-Tax Profit | £592,000 |
| Date Latest Accounts | 30 September 2025 | Working Capital | £2,092,500 |
| Employees | 58 | Net Assets | £2,992,500 |
What the summary tells you
The headline snapshot of your own company: its size (sales, employees), profitability (pre-tax profit) and financial strength (working capital and net assets).| Risk Score (1–100) | 80 |
| Risk Assessment | Low Risk |
| Credit Rating | £175,000 |
Score & limit
The risk score (here 80 out of 100, where a higher score means lower risk) and the suggested credit limit are the headline of the report. Both are a guide to inform a decision, not a promise of future behaviour.| Legal Form | Private company limited by shares |
| Previous Names | OAKLEY SILVAY TRADING LIMITED |
| Registered Number | 90042871 |
| Confirmation Statement | 06 February 2026 |
| Registered Office | Wrenfield House, 12 Calder Way, Harrogate HG2 7DP |
| Trading Address | Calder Way Business Park, Starbeck, Harrogate HG2 8QX |
| Auditors | MARSDEN HOLT LLP |
| SIC Code & Operations | 46690 — Wholesale of other machinery and equipment |
Identity check
Confirms the report is on the right entity and shows the registered details held about your company.| Parent Company | None |
| Ultimate Parent | None — independent company |
| Subsidiaries | None |
Standing on its own
An independent company’s credit standing rests on its own results rather than a parent or wider group.| Shareholder | Shares | Class |
|---|---|---|
| Mr Edmund Silvay | 55,000 | Ordinary £1 |
| Mrs Rosalind Oakley | 35,000 | Ordinary £1 |
| Mr Thomas Beauclerc | 10,000 | Ordinary £1 |
Who owns the company
The principal shareholders hold the 100,000 £1 ordinary shares in issue, matching the £100,000 share capital on the balance sheet.| Name | Role | Date of Birth | Appointed | Nationality | Other Directorships / Disqualifications |
|---|---|---|---|---|---|
| Mr Edmund Silvay | Director | 04 March 1968 | 06 February 2018 | British | None recorded |
| Mrs Rosalind Oakley | Director | 19 July 1972 | 06 February 2018 | British | None recorded |
| Mr Thomas Beauclerc | Director | 27 November 1980 | 11 May 2020 | British | None recorded |
| Ms Frances Adeyemi | Secretary | – | 11 May 2020 | British | None recorded |
The people behind the company
A full report links each director to their other appointments, so their track record across companies can be checked. No disqualifications are recorded against these directors.| Period | Last 12m | 13–24m | 25–36m | 37–48m | 49–60m | 61–72m |
|---|---|---|---|---|---|---|
| Number of CCJs | 0 | 0 | 1 | 0 | 0 | 0 |
| Value of CCJs | £0 | £0 | £480 | £0 | £0 | £0 |
| Date | Court | Amount | Status | Plaintiff Ref |
|---|---|---|---|---|
| 25 December 2023 | HARROGATE | £480 | Satisfied | 4HG02218 |
Why CCJs matter
County court judgments are a strong public signal of payment difficulty. A single small, satisfied judgment from over two years ago carries far less weight than recent or unsatisfied ones. CCJ data is sourced from the Registry Trust.| Date of Filing | Details |
|---|---|
| 21 June 2026 | New Accounts Filed |
| 06 February 2026 | Confirmation Statement |
| 21 June 2025 | New Accounts Filed |
| 06 February 2025 | Confirmation Statement |
| 21 June 2024 | New Accounts Filed |
| 06 February 2024 | Confirmation Statement |
| 21 June 2023 | New Accounts Filed |
| 06 February 2023 | Confirmation Statement |
| 15 September 2022 | Change of Registered Office address |
| 21 June 2022 | New Accounts Filed |
| 06 February 2022 | Confirmation Statement |
| 21 June 2021 | New Accounts Filed |
| 06 February 2021 | Confirmation Statement |
| 21 June 2020 | New Accounts Filed |
| 11 May 2020 | Appointment of director |
| 11 May 2020 | Appointment of secretary |
| 06 February 2020 | Confirmation Statement |
| 21 June 2019 | New Accounts Filed |
| 06 February 2019 | Confirmation Statement |
| 06 February 2018 | Incorporated |
Filing track record
A steady record of accounts and confirmation statements filed on time is itself a positive sign; gaps or late filings can be an early warning.No supplier credit limit data has been provided.
Trade references
Where suppliers report the limits they extend, they appear here. Absence of data is not itself negative.| 100% Total | 91% Paid Before | 7% Paid Late | 0% Current Due | 2% Current Overdue |
|---|---|---|---|---|
| Total Invoices | Paid Before 30 days due | Paid After 30 days due | Owing Before 30 days due | Owing After 30 days due |
| 44 | 40 | 3 | 0 | 1 |
| Average Invoice Value | £4,800 |
| Total Invoice Values | £211,200 |
| Payment Trend | Improving — paying earlier than in prior periods |
A forward-looking signal
How promptly your company actually settles its bills often shows up earlier than the filed accounts. Here most invoices are paid before the due date, and the payment trend is improving.| Date of Accounts | 30/09/25 | 30/09/24 | 30/09/23 | 30/09/22 | 30/09/21 |
|---|---|---|---|---|---|
| Number of Weeks | 52 | 52 | 52 | 52 | 52 |
| Denomination | £ | £ | £ | £ | £ |
| Turnover Sales excluding VAT | 9,640,000 | 9,020,000 | 8,430,000 | 7,880,000 | 7,360,000 |
| Cost of Sales | 6,650,000 | 6,280,000 | 5,940,000 | 5,610,000 | 5,270,000 |
| Gross Profit | 2,990,000 | 2,740,000 | 2,490,000 | 2,270,000 | 2,090,000 |
| Operating Costs | 2,360,000 | 2,210,000 | 2,080,000 | 1,960,000 | 1,850,000 |
| Interest Payable | 38,000 | 41,000 | 44,000 | 47,000 | 50,000 |
| Pre-Tax Profit | 592,000 | 489,000 | 366,000 | 263,000 | 190,000 |
| Taxation & Dividends | 208,000 | 177,250 | 141,500 | 110,750 | 87,500 |
| Retained Profit | 384,000 | 311,750 | 224,500 | 152,250 | 102,500 |
Reading the P&L
Work down from turnover to retained profit. Rising turnover with a steady gross margin and growing pre-tax profit points to a healthy business.| Date of Accounts | 30/09/25 | 30/09/24 | 30/09/23 | 30/09/22 | 30/09/21 |
|---|---|---|---|---|---|
| Number of Weeks | 52 | 52 | 52 | 52 | 52 |
| Denomination | £ | £ | £ | £ | £ |
| Tangible Assets | 1,420,000 | 1,360,000 | 1,300,000 | 1,245,000 | 1,190,000 |
| Intangible Assets | 0 | 0 | 0 | 0 | 0 |
| Other Fixed Assets | 0 | 0 | 0 | 0 | 0 |
| Total Fixed Assets | 1,420,000 | 1,360,000 | 1,300,000 | 1,245,000 | 1,190,000 |
| Stocks & WIP | 1,180,000 | 1,110,000 | 1,040,000 | 980,000 | 920,000 |
| Debtors | 1,460,000 | 1,360,000 | 1,270,000 | 1,190,000 | 1,110,000 |
| Cash | 792,500 | 678,500 | 636,750 | 647,250 | 740,000 |
| Other Current Assets | 180,000 | 170,000 | 160,000 | 150,000 | 140,000 |
| Total Current Assets | 3,612,500 | 3,318,500 | 3,106,750 | 2,967,250 | 2,910,000 |
| Current Liabilities | 1,520,000 | 1,470,000 | 1,420,000 | 1,370,000 | 1,320,000 |
| Working Capital | 2,092,500 | 1,848,500 | 1,686,750 | 1,597,250 | 1,590,000 |
| Total Long-Term Liabilities | 520,000 | 600,000 | 690,000 | 770,000 | 860,000 |
| Net Assets | 2,992,500 | 2,608,500 | 2,296,750 | 2,072,250 | 1,920,000 |
| Comprised of: | |||||
| Share Capital and Reserves | 100,000 | 100,000 | 100,000 | 100,000 | 100,000 |
| Retained Earnings | 2,892,500 | 2,508,500 | 2,196,750 | 1,972,250 | 1,820,000 |
| Revaluation Reserve | - | - | - | - | - |
| Shareholders Funds | 2,992,500 | 2,608,500 | 2,296,750 | 2,072,250 | 1,920,000 |
Strength and solvency
Net assets is total assets minus all liabilities, which is also equal to share capital plus retained earnings. Positive and rising net assets, with current assets well above current liabilities, indicate the company can meet its obligations.| Date of Accounts | 30/09/25 | 30/09/24 | 30/09/23 | 30/09/22 | 30/09/21 |
|---|---|---|---|---|---|
| Number of Weeks | 52 | 52 | 52 | 52 | 52 |
| Denomination | £ | £ | £ | £ | £ |
| Turnover | |||||
| UK Sales | - | - | - | - | - |
| Export Turnover | - | - | - | - | - |
| Profit (stated after charging) | |||||
| Amortisation of Intangible Assets | - | - | - | - | - |
| Depreciation | 168,000 | 158,000 | 149,000 | 140,000 | 132,000 |
| Directors’ Remuneration | 360,000 | 342,000 | 322,000 | 304,000 | 287,000 |
| Interest Payable | 38,000 | 41,000 | 44,000 | 47,000 | 50,000 |
| Taxation | 148,000 | 122,250 | 91,500 | 65,750 | 47,500 |
| Dividends | |||||
| Paid During the Year | 60,000 | 55,000 | 50,000 | 45,000 | 40,000 |
| Intangible Fixed Assets | |||||
| Intangible Fixed Assets | 0 | 0 | 0 | 0 | 0 |
| Amortisation of Intangible Assets | - | - | - | - | - |
| Tangible Fixed Assets | |||||
| Tangible Fixed Assets | 1,420,000 | 1,360,000 | 1,300,000 | 1,245,000 | 1,190,000 |
| Depreciation | 168,000 | 158,000 | 149,000 | 140,000 | 132,000 |
| Current Assets | |||||
| Total Debtors | 1,460,000 | 1,360,000 | 1,270,000 | 1,190,000 | 1,110,000 |
| Cash at Bank | 792,500 | 678,500 | 636,750 | 647,250 | 740,000 |
| Other Current Assets | 180,000 | 170,000 | 160,000 | 150,000 | 140,000 |
| Total Current Assets | 3,612,500 | 3,318,500 | 3,106,750 | 2,967,250 | 2,910,000 |
| Creditors Due Within 1 Year | |||||
| Total Current Liabilities | 1,520,000 | 1,470,000 | 1,420,000 | 1,370,000 | 1,320,000 |
| Creditors Due After More Than 1 Year | |||||
| Long-Term Liabilities | 520,000 | 600,000 | 690,000 | 770,000 | 860,000 |
| Capital & Reserves | |||||
| Retained Earnings | 2,892,500 | 2,508,500 | 2,196,750 | 1,972,250 | 1,820,000 |
| Total Shareholders Funds | 2,992,500 | 2,608,500 | 2,296,750 | 2,072,250 | 1,920,000 |
| Total Directors’ Remuneration | 360,000 | 342,000 | 322,000 | 304,000 | 287,000 |
The detail behind the headline
The notes set out the supplementary figures behind the accounts, grouped as in the filed statements: turnover analysis, charges against profit, dividends, fixed assets, current assets, creditors, and capital and reserves. A dash means the company has not separately disclosed that line.| Date of Accounts | 30/09/25 | 30/09/24 | 30/09/23 | 30/09/22 | 30/09/21 |
|---|---|---|---|---|---|
| Turnover | 100.0 | 100.0 | 100.0 | 100.0 | 100.0 |
| Cost of Sales | 69.0 | 69.6 | 70.5 | 71.2 | 71.6 |
| Gross Profit | 31.0 | 30.4 | 29.5 | 28.8 | 28.4 |
| Operating Costs | 24.5 | 24.5 | 24.7 | 24.9 | 25.1 |
| Interest Payable | 0.4 | 0.5 | 0.5 | 0.6 | 0.7 |
| Pre-Tax Profit | 6.1 | 5.4 | 4.3 | 3.3 | 2.6 |
| Taxation & Dividends | 2.2 | 2.0 | 1.7 | 1.4 | 1.2 |
| Retained Profit | 4.0 | 3.5 | 2.7 | 1.9 | 1.4 |
| Total Assets | 100.0 | 100.0 | 100.0 | 100.0 | 100.0 |
| Tangible Assets | 28.2 | 29.1 | 29.5 | 29.6 | 29.0 |
| Intangible Assets | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Other Fixed Assets | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Total Fixed Assets | 28.2 | 29.1 | 29.5 | 29.6 | 29.0 |
| Stocks & WIP | 23.4 | 23.7 | 23.6 | 23.3 | 22.4 |
| Debtors | 29.0 | 29.1 | 28.8 | 28.3 | 27.1 |
| Cash | 15.7 | 14.5 | 14.4 | 15.4 | 18.0 |
| Other Current Assets | 3.6 | 3.6 | 3.6 | 3.6 | 3.4 |
| Total Current Assets | 71.8 | 70.9 | 70.5 | 70.4 | 71.0 |
| Current Liabilities | 30.2 | 31.4 | 32.2 | 32.5 | 32.2 |
| Working Capital | 41.6 | 39.5 | 38.3 | 37.9 | 38.8 |
| Total Long-Term Liabilities | 10.3 | 12.8 | 15.7 | 18.3 | 21.0 |
| Net Assets | 59.5 | 55.8 | 52.1 | 49.2 | 46.8 |
| Retained Earnings | 57.5 | 53.6 | 49.8 | 46.8 | 44.4 |
| Revaluation Reserve | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Shareholders Funds | 59.5 | 55.8 | 52.1 | 49.2 | 46.8 |
Comparing like with like
Common-size restates the P&L as a percentage of turnover and the balance sheet as a percentage of total assets, so years can be compared on the same footing.| Date of Accounts | 30/09/25 | 30/09/24 | 30/09/23 | 30/09/22 | 30/09/21 |
|---|---|---|---|---|---|
| Current Ratio | 2.38 | 2.26 | 2.19 | 2.17 | 2.20 |
| Acid Test | 1.60 | 1.50 | 1.46 | 1.45 | 1.51 |
| Stock Turnover | 5.64 | 5.66 | 5.71 | 5.72 | 5.73 |
| Credit Period (days) | 55.28 | 55.03 | 54.99 | 55.12 | 55.05 |
| Return on Capital (%) | 16.85 | 15.24 | 12.25 | 9.25 | 6.83 |
| Return on Assets (%) | 11.76 | 10.45 | 8.31 | 6.24 | 4.63 |
| Pre-Tax Margin (%) | 6.14 | 5.42 | 4.34 | 3.34 | 2.58 |
| Return on Shareholders Funds (%) | 19.78 | 18.75 | 15.94 | 12.69 | 9.90 |
| Equity Gearing (%) | 59.46 | 55.76 | 52.12 | 49.20 | 46.83 |
| Debt Gearing (%) | 17.38 | 23.00 | 30.04 | 37.16 | 44.79 |
What the ratios show here
Liquidity is strong (current ratio above 2.0 and rising), returns are improving year on year, and gearing is modest and falling as long-term debt reduces.| Number of Mortgages / Charges | 1 |
| Satisfied Mortgages | 0 |
| Unsatisfied Mortgages | 1 |
| Most Recent Mortgage | 14 March 2019 |
| Most Recent Satisfaction | None |
| Charge Type | Fixed and floating charge |
| Satisfied | No |
| Amount Secured | Not disclosed |
| Property Details | Contains fixed charge. Contains floating charge covering all the property or undertaking of the company. Contains negative pledge. |
| Lender Details | Calderdale Commercial Bank PLC |
Who has first call on the assets
Registered charges show which lenders have security over the company’s assets, which can affect what an unsecured creditor would recover if the company ever failed.| Going Concern Valuation | Valuation Measures | ||
|---|---|---|---|
| Estimated High Value | £3,600,000 | Retained Profit | £384,000 |
| Estimated Mid Value | £2,700,000 | EBIT | £630,000 |
| Estimated Low Value | £1,800,000 | EBITDA | £798,000 |
| Liquidation Valuation | Valuation Measures | ||
|---|---|---|---|
| Estimated High Value | £2,900,000 | Total Assets | £5,032,500 |
| Estimated Mid Value | £2,300,000 | Net Assets | £2,992,500 |
| Estimated Low Value | £1,500,000 | Tangible Equity | £2,992,500 |
Two ways to value the company
The going-concern valuation assumes the company keeps trading and is profit and cashflow based, here driven by retained profit, EBIT and EBITDA. The liquidation valuation assumes trading stops and assets are sold quickly to cover liabilities, so it is asset based, using total assets, net assets and tangible equity. Both are indicative only.Business Growth✓Turnover has grown in each of the last five years.
EBITDA✓Earnings before interest, tax and depreciation are rising year on year.
Retained Profits✓Profits have been retained and added to reserves every year.
Dividends✓Modest, affordable dividends covered comfortably by profit.
CCJs–One small, satisfied judgment over two years ago; none recent.
Age of Company✓Established company with a long trading history.
Solvency✓Liabilities are well covered by the asset base.
Secured Creditors–One outstanding charge over company assets.
Ownership✓Independent company; not dependent on a parent or group.
At a glance
The checklist turns the detail into simple ticks and flags. Here the picture is strongly positive.This appraisal is based on the company’s results to 30 September 2025. Turnover reached £9,640,000, up from £9,020,000 the year before and £8,430,000 two years earlier, with growth in every one of the last five years. The gross margin has held steady at around 31%, so the extra sales have fed through to profit rather than being given away on price.
Pre-tax profit rose to £592,000 and EBITDA reached £798,000, up from £688,000 the previous year. Directors’ remuneration for the year was £360,000. After tax and modest dividends the company retained £384,000 of profit, continuing to build reserves.
The balance sheet is comfortable. Working capital stands at £2,092,500, with current assets well above amounts due within the year, and net assets have grown to £2,992,500. Long-term debt is modest and falling, and gearing has eased as reserves have built. On this evidence the company presents a low credit risk, and the suggested credit limit reflects that.
8 / 10 — Very Good
Financial strength
This score is the company’s underlying financial status on a scale of 0-10. Here the company scores 8, rated ‘Very Good’.| Indicator | Flag |
|---|---|
| This company’s latest pre-tax figure shows a profit for the trading period. | Positive |
| Turnover has increased in each of the last five periods. | Positive |
| The company holds a high level of equity relative to its liabilities. | Positive |
| Working capital comfortably covers short-term obligations. | Positive |
| One outstanding charge is registered over company assets. | Neutral |
| A small, satisfied county court judgment is recorded from over two years ago. | Neutral |
The model’s read
These are the individual signals the scoring model has picked out from the data, flagged positive, neutral or negative.| Date | Score | Risk |
|---|---|---|
| 21 Jun 2026 | 80 | Low Risk |
| 06 Feb 2026 | 78 | Low Risk |
| 21 Jun 2025 | 76 | Low Risk |
| 06 Feb 2025 | 73 | Low Risk |
| 21 Jun 2024 | 70 | Low Risk |
| 06 Feb 2024 | 67 | Low Risk |
| 21 Jun 2023 | 64 | Moderate Risk |
How the score has moved
Monitoring tracks the score over time so you can see the trend and act on changes. Here the score has trended steadily upward. If risk and performance signals over time had been more mixed, this timeline would show more volatile rises and dips.| Date | Credit Limit |
|---|---|
| 21 Jun 2026 | 175,000 GBP |
| 06 Feb 2026 | 165,000 GBP |
| 21 Jun 2025 | 155,000 GBP |
| 06 Feb 2025 | 140,000 GBP |
| 21 Jun 2024 | 130,000 GBP |
| 06 Feb 2024 | 120,000 GBP |
How the limit has moved
The calculated credit limit changes over time due to a combination of inflation, company age, financial performance, accounts filing age and cycle, and other scored events.| Failure Probability (12 months) | 0.28% |
| Odds of Failure | 357 to 1 |
Probability of failure
The model expresses overall risk as a probability of company failure within the next year. A low percentage, as here, points to a stable, low-risk business.| Z Score | 4.51 |
| Risk Band | 1 |
| Risk Band Description | Low Risk |
| Z Score Bands | Range |
|---|---|
| 1 — Low Risk | Greater than 2.6 |
| 2 — Moderate Risk | 1.10 – 2.60 |
| 3 — Higher Risk | Less than 1.1 |
An independent failure measure
The Altman Z-Score is a long-established, independent measure of business-failure risk that combines several financial ratios into one number. Above 2.6 is the low-risk band, 1.1 to 2.6 is a cautionary middle zone, and below 1.1 indicates higher risk. Here the score of 4.51 sits comfortably in the low-risk band.Choose your report
All prices exclude VAT. The Company Insight Report is £69.95 one-off; the Annual Insight Package is £99.95 and adds 12 months of monitoring and unlimited updated reports on your own company.
Company Insight Report FAQs
What is the Company Insight Report?
It is a credit report on your own company, built for owners and directors. It shows your credit score, risk band and a suggested credit limit, and it explains the factors behind the rating, so you can see what is helping or holding back your score and act on it.
How much does the Company Insight Report cost?
The Company Insight Report is a one-off purchase. The Annual Insight Package adds 12 months of alerts when new information is recorded, tracking of changes to your risk score or credit limit, and unlimited updated reports on your own company. Current prices are shown in the pricing on this page.
How is this different from the free score check?
The free check is a self-assessment that gives an illustrative figure from the answers you provide. The Company Insight Report is your real score, calculated from filed accounts, payment records and public data, with the underlying factors set out in full.
Who provides the report?
The report is provided by First Report, a UK business credit reference provider. companycreditscore.co.uk is a First Report service; you enter your company and the report is prepared and delivered through First Report.
Try the free check first
Free score check →Improve your score
How to improve it →What a score means
Check your score →