Fiducia TogetherBusiness credit score
What lenders and suppliers see when they check you. Based largely on filed accounts.
Please note: This page explains what a term means. It is general information, not legal, financial, tax or investment advice, and it does not know anything about your business. Before you sign, file or commit to anything, check it with an accountant, a solicitor, or the official guidance we link to.
What it means
Credit reference agencies score companies using filed accounts, payment behaviour, county court judgments, industry risk and director history.
Why it matters
It affects whether suppliers give credit, what terms they offer, and whether finance is available. Many businesses have never looked at their own.
What it looks like in practice
Filing full rather than abridged accounts can improve a score, because a thin filing is scored conservatively. Late filing damages it directly.\n\nCheck it, and correct errors — they are common.
What to watch out for
A county court judgment registered without your knowledge, usually from a disputed invoice sent to an old address. It is very damaging and it is checkable.
Where to get proper advice
The credit reference agencies offer a view of your own file. Companies House for what is actually filed.
Where to read more
Last reviewed 2026-08-28 by Fiducia Together · Next review due 2027-08-28
Please note: This page explains what a term means. It is general information, not legal, financial, tax or investment advice, and it does not know anything about your business. Before you sign, file or commit to anything, check it with an accountant, a solicitor, or the official guidance we link to.