Matched to your book
You give us company numbers: clients, prospects, live deals. We watch them, and the companies connected to them through directors and ownership.
Live from the UK public record
The open intelligence layer for UK business credit.
Company credit data in the UK is public in principle and priced out of reach in practice. Creditbase is changing that, starting with live intelligence on every company on your book, straight from Companies House and The Gazette, delivered where your team already works.
Source-linked · Open schema · Public facts stay free
The product
Companies House already publishes it. Creditbase makes it mean something.
Every filing, charge, notice and resignation hits the public record within minutes: as machine events, in enormous volume, with no sense of which ones concern you. Creditbase watches the stream against your book and translates each event into its commercial consequence. Not filing-history · changed, but “your client filed late again and cash halved”.
Translated, not forwarded
Each alert says what changed, why it matters and who owns the relationship, with the source document one click away.
History that holds up
Every event is preserved as it arrived, with its source, timestamp and hash, so you can show exactly what was knowable when a decision was made.
What it catches
The changes worth knowing about the day they happen.
Accounts filed
New numbers, headline movements and lateness patterns, read before your next review rather than after it.
Accounts overdue
One of the most reliable early distress signals in small-company data.
New charge registered
Another funder has taken security. Priority and exposure may have just changed.
Charge satisfied
A facility repaid or refinanced, and often the best-timed conversation you will have this quarter.
Gazette notice
Winding-up petitions, administrator appointments and creditor notices, the day they publish.
Strike-off action
A company heading quietly for dissolution while it still owes money.
Director moves
Appointments and resignations, with each director’s record across the register.
Ownership change
Control has moved. Your KYC, and your read on the risk, may be stale.
New connection found
A fresh link through directors or ownership to companies you already watch.
Who it’s for
Built with the people who work the book.
Brokers
A satisfied charge is a refinance conversation. A new charge from another funder against a prospect is competition showing its hand. Hear about both the week they are registered, with the client file already attached.
Lenders & credit teams
Late accounts, deteriorating filings, a director whose last two companies failed: the review triggers that never make it into an annual statement pack, surfaced while there is still something to do about them.
Portfolio & recoveries
Strike-off actions, Gazette notices and status changes across the whole book, so a quiet dissolution never takes a live balance with it.
Delivery
An alert you don’t see isn’t intelligence.
Creditbase delivers into the places your team already looks: the deal file, the inbox, the channel. Not another dashboard someone has to remember to check.
Web dashboardEmail digestWebhooks & APIMCP serverHubSpot timelineSlack & Teams
The feed is public. The integration is the product.
AI-native
Ask your AI about any UK company. And your whole book.
Creditbase ships an MCP server alongside the API, so Claude, ChatGPT and your own agents can work with live UK company intelligence directly. Not another stateless wrapper around a rate-limited lookup API: this one knows your portfolio, carries point-in-time history and cites its sources on every answer. That is what the semantic layer buys an agent: resolved entities and dated facts instead of raw payloads, so the answer is right, not just fluent.
The first MCP built for credit work, not company lookups.
which of my borrowers took new charges this quarter?
Three. XYZ Logistics Ltd registered a charge to Close Brothers on 12 May, its second secured funder this year. Aster Plant Hire Ltd and Merewood Services Ltd each registered one charge. Two of the three also filed accounts late.
sources: companies-house/charges · creditbase/watchlist · creditbase/history
Point-in-time history
What would you have seen on 30 June 2023?
The register shows you what is true now. Creditbase keeps what was true then: every event with its source, arrival time and hash. Backtests, audits and model validation stand on the record as it actually was, not as it looks after the fact.
- event
- charge.created
- company
- 07213944
- source
- companies-house/stream
- received
- 2023-06-30T16:42:07Z
- hash
- sha256:9f31…c2a4
- superseded
- null
provenance record
The semantic layer
Registers below us. Your decisions above us.
The public record is already open. Creditbase is the layer of meaning in between: entities, events, relationships, measures, time and provenance, resolved once, kept honest, and served to people and machines alike.
Your decisions
Underwriting · monitoring · pricing · models · agents
Creditbase · the semantic layer
entities · events · relationships · measures · time · provenance
The public record
Companies House · The Gazette · iXBRL accounts · Find a Tender · payment practices
We don’t compete with the registers below us or the decisions above us. How the layer works →
Built in the open, in order.
Monitoring first, because it is useful on day one. Every later facet stands on the same point-in-time record and is published for scrutiny as it lands.
01In pilot
Creditbase Live
Real-time monitoring of Companies House and Gazette events across your portfolio, delivered into your workflow.
Learn more02In development
Creditbase Graph
Companies, directors, PSCs, addresses and charges connected into one graph. Every inferred link carries its confidence and its evidence.
Learn more03In research
Creditbase Risk
A public risk index in seven visible dimensions with reason codes, honest about what public data can and cannot see.
Learn more04Planned
Creditbase Consortium
A governed network where lenders and brokers contribute anonymised outcomes and get back models public data alone cannot support.
Learn moreOpen by design
Open where it should be. Paid where it costs.
Free for everyone
- Public company pages
- Recent events and basic risk factors
- The event schema and feature definitions
- Baseline model, model cards and benchmarks
- A small watchlist with a daily digest
- Low-volume API and MCP access
What teams pay for
- Real-time streams and full point-in-time history
- Portfolio monitoring at scale
- CRM and workflow integrations
- Bulk API and data delivery
- Support, service commitments and validation packages
The same public fact shouldn’t cost more to know because a bureau got there first.
Read the principles →Early access
Bring your book. We’ll show you what the register has been saying.
We are onboarding a small number of UK commercial finance firms as early partners. Send a list of company numbers and we will switch on monitoring against them: no data contribution, no long commitment, and a direct say in what gets built.