Credit Reports Help
Company credit reports - what they contain

The Full Report

The Full financial report is provided for all analysed companies and contains everything you need to know about a company. There are twelve sections included in the Full Report:

  • Statutory information - details of registered name and address, issued capital, type of accounts filed, and relevant filing dates.
  • Risk information - details group structure, details of the latest ten county court judgements, risk score for four years and the latest recommended credit and contract limit.
  • Company and industry comparison - compares the subject company with all other companies within its industry type.
  • Directory information - confirms the trading address, and where available, the telephone and fax numbers, up to ten SIC codes and the principal activities statement.
  • Filing history - displays every change of name, all mortgage documents and one of each other filing type with a maximum of 20 being listed.
  • Profit & Loss account - details all items for the last five years.
  • Accounts notes - information on items extracted from latest set of notes such as exports, audit fees, intermediate assets, bank overdraft, and finance due to directors and group.
  • Growth rates - provides % growth measurements for 1/2/3/4 year periods.
  • Ownership  - This section details group structure and provides any subsidiaries ranked by turnover.
  • Directors and advisors - lists the company secretary and all other directors. The auditors and the bank details if available are also provided.
  • Balance sheet - displays the last five years’ worth of balance sheet items, indicating where notes are cross referenced to notes to the accounts section of the report. A further four items are taken from the cash flow statement.
  • Cash flow Ratios - lists the main liquidity, performance, leverage and gearing ratios.

The Content

  • Statutory Information
    • Company Name
    • Registered Number
    • Previous Name
    • Registered Office Address
    • Company Secretary
    • Type of company
    • Incorporation Date
    • Date of latest Accounts filed at Companies’ House
    • Date latest Accounts lodged at Companies’ House
    • Date of latest Annual return
    • Accounts Reference Date
    • Type of Accounts
    • Issued Share Capital

     

  • Risk Information
    • Holding Company
    • Ultimate Holding Company
    • Total Number and total value of unsatisfied county court judgements
    • Latest five filings at Companies House
    • Juniper Risk Score
    • Credit and Contract Limits
    • listing of latest 10 unsatisfied County Court Judgements

     

  • Profit & Loss Account

    • Latest 5 years figures from filed profit and loss account showing where available:

    • Date of Accounts
    • Consolidated
    • Subsidiary
    • Number of Weeks
    • Currency
    • Audit Qualification
    • Turnover
    • Cost of Sales
    • Gross Profit
    • Operating Profit
    • Non Trading Income
    • Interest Payable
    • Pre-tax Profit
    • Taxation
    • Profit after Tax
    • Dividends Payable
    • Retained Profits
    • Value added

     

  • Balance Sheet

    • Latest 5 years figures from filed balance sheet showing:

    • Date of Accounts
    • Consolidated
    • Subsidiary
    • Number of Weeks
    • Currency
    • Audit Qualification
    • Tangible Fixed Assets
    • Intangible Assets
    • Total Fixed Assets
    • Stocks
    • Trade Debtors
    • Cash
    • Misc. Current Assets
    • Total Current Assets
    • Total Assets
    • Creditors: Due within 1 year
    • Tot.Ass. less Tot.Current Liab.
    • Tot. Long Term Liabs.
    • Total Liabilities
    • Share Cap. & Reserves
    • P&L Acc. Reserve
    • Revaluation Reserve
    • Shareholders Funds
    • Capital Employed
    • Net Worth
    • Working Capital
    • Contingent Liabs.
    • CashFlow
    • Net CF from Op'g Acts
    • Net ROI & SOF CF
    • Net CF before Financing
    • Net CF from Financing
    • Increase in Net Cash

     

  • Accounts Notes

    •  

    Figures including:

    • Date of Accounts
    • Consolidated
    • Subsidiary
    • Number of Weeks
    • Currency
    • Audit Qualification
    • Exports
    • Employees' Remuneration
    • Directors' Remuneration
    • Audit Fees
    • Non-Audit Fees
    • Depreciation
    • Average Number of Employees (actual)
    • Tangible Assets consists of:
    • Fixed Assets
    • Intermediate Assets which includes:
    • Due from Group, Non Current
    • Miscellaneous Current Assets includes:
    • Due from Group, Current
    • Creditors: Amounts falling due within one year consists of:
    • Trade Creditors
    • Bank Overdraft
    • Miscellaneous Current Liabilities includes:
    • Bank Loans - Current Portion
    • Other Short Term Finance, including
    • Due to Group, Current
    • Due to Directors, Current
    • Other Current Liabilities
    • Short Term Loans (a+b+c)
    • Total Long Term Liabilities consists of:
    • Long Term Loans which consists of:
    • Long Term Bank Loans
    • Other Long Term Finance including:
    • Due to Group, Non Current
    • Due to Directors, Non Current
    • Other Long Term Liabilities
    • Share Capital and Reserves consists of:
    • Called up Share Capital
    • Sundry Reserves

     

  • Directory Information
    • Trading Address
    • Telephone Number
    • Fax Number
    • Region
    • Main 3 SIC codes
    • Principle Activities
    • text description of audit qualification

     

  • Directors & Advisors
    • A complete listing of all current directors
    • Bankers
    • Auditors

     

  • Ratios

    •  

    The following 32 ratios over a 5 year period:

    • Profit/Sales(%)
    • Profit/Capital Employed (%)
    • Profit/Total Assets (%)
    • Profit/Shareholders Funds (%)
    • Sales/Total Assets (%)
    • Sales/Fixed Assets
    • Sales/Capital Employed
    • Working Capital/Sales (%)
    • Stock Turnover
    • Credit Period (days)
    • Creditor Days (days)
    • Debtors/Total Assets (%)
    • Current Ratio
    • Liquidity Ratio
    • Creditors/Debtors
    • Current Liabilities/Stocks
    • Interest/Pre-Interest Profit (%)
    • Total Debt/Net Worth (%)
    • Bank Overdraft & LT Liabs/Net Worth (%)
    • Long term Debt/Net Worth (%)
    • Long Term Liabs/Net Worth
    • Sh'hldrs Funds/Total Liabilities (%)
    • Sh'hldrs Funds/Total Assets
    • Bank Overdraft & LT Liabs/Working Capital (%)
    • Total Debt/Working Capital
    • Average Employee Remuneration (£)
    • Wages/Sales (%)
    • Profit per Employee (£)
    • Sales per Employee (£)
    • Capital Employed per Employee (£)
    • Fixed Assets per Employee (£)
    • Total Assets per Employee (£)
    • Profit/Value Added (%)
    • Value Added/Sales (%)
    • Value Added per Employee (£)
    • Value Added/Employee Remuneration
    • Exports/Sales (%)
    • Sales/Audit Fees
    • Total Assets/Audit Fees

     

  • Co./Industry Comparison
    • Quartile analysis for the above ratios

     

  • Ownership
    • Holding and Ultimate Holding company and top ten subsidiaries by turnover

     

  • Filing History
    • Up to the latest 20 of all major filings by the company at Companies’ House

     

  • Growth Rates
    • 1, 2 and 4 year growth rate for all main accounts components