Business Credit Score (Indicative)
Get an indicative business credit score from key liquidity, gearing, interest cover, profitability and stability inputs — a directional read, not a substitute for a credit bureau report.
Daten geprüft · Juli 2026
Is this the same score a lender or credit agency would give me?
No — this is a simplified, indicative estimate built from a few key ratios you enter yourself. Real credit bureau scores incorporate payment history, industry data, director records and other data sources this calculator does not have access to.
Quelle: ACCA Financial Management (FM), credit risk assessment ratios; general commercial credit scoring methodology as used by UK credit reference agencies (Experian, Equifax, Creditsafe) — indicative only. · aktualisiert 2026
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Alles über Business Credit Score (Indicative)
📋Überblick+
Combines five component scores commercial lenders typically weigh — liquidity (current ratio), gearing, interest cover, profitability (net margin) and stability (years trading and any county court judgments) — into a single indicative score and risk band. This mirrors the logic credit reference agencies use, but is a simplified, directional estimate: it is not a substitute for an actual credit bureau report or a lender's own underwriting model.
💡 Bewährte Vorgehensweisen
- This score is indicative only — always check your actual position with a credit reference agency (Experian, Equifax, Creditsafe) before relying on it for a lending decision.
- A single CCJ, even a small one, disproportionately affects perceived creditworthiness — resolving and formally satisfying it is usually worth prioritising over other improvements.
- Years trading matters because lenders weight track record heavily — a young business with strong ratios can still show a lower score than an older one with average ratios.
🔢 Konkretes Beispiel
A current ratio of 1.8, 40% gearing, 6x interest cover, 12% net margin, 8 years trading and no CCJs: an indicative score comfortably in the lower-risk band.
📖Anleitung+
So verwenden Sie diesen Rechner
- 1
Enter your current ratio, gearing percentage and interest cover ratio.
- 2
Enter your net margin percentage.
- 3
Enter years trading and any county court judgments (CCJs) against the business.
- 4
Read the indicative score, risk band and component breakdown.
📚Glossar+
- Interest cover ratio
- Operating profit (or EBIT) divided by interest expense — how many times over a business can pay its interest obligations from its trading profit; a low ratio signals debt servicing risk.
- County Court Judgment (CCJ)
- A court order in England and Wales confirming a debt is owed and unpaid — the presence of CCJs against a business is one of the strongest negative signals in commercial credit scoring.
ℹ️Quellen & Aktualisierung+
Letzte Datenaktualisierung
7. Juli 2026
Quellen und Referenzen
ACCA Financial Management (FM), credit risk assessment ratios; general commercial credit scoring methodology as used by UK credit reference agencies (Experian, Equifax, Creditsafe) — indicative only.
Die Daten dieses Rechners werden regelmäßig aktualisiert, um die neuesten offiziellen Sätze abzubilden. Im Zweifel konsultieren Sie die oben genannten offiziellen Quellen.
FAQ — Business Credit Score (Indicative)
Is this the same score a lender or credit agency would give me?+
No — this is a simplified, indicative estimate built from a few key ratios you enter yourself. Real credit bureau scores incorporate payment history, industry data, director records and other data sources this calculator does not have access to.
Why does one CCJ have such a large effect on the score?+
County Court Judgments are one of the clearest public signals of unresolved debt disputes, so they carry a heavy weight in the stability component — even a single, small CCJ noticeably lowers the indicative score.