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.
Données vérifiées · July 2026
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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.
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.
Enter your current ratio, gearing percentage and interest cover ratio.
Enter your net margin percentage.
Enter years trading and any county court judgments (CCJs) against the business.
Read the indicative score, risk band and component breakdown.
Last data update
July 7, 2026
Sources and references
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.
The data in this calculator is updated regularly to reflect the latest official rates. When in doubt, consult the official sources listed above.
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.
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.