What Company Watch does

Company Watch Limited is a UK-based financial risk analytics firm founded in 1998 and headquartered in Chippenham with a London office. The company develops proprietary credit risk and corporate failure prediction models for the UK and Ireland corporate market, serving financial institutions (banks, lenders, insurers), public sector bodies, and corporate treasury and procurement teams. Its core proposition is purpose-built depth on UK and Irish corporate risk, in contrast to the broader but shallower coverage offered by global credit bureaux.

The company's technology stack combines proprietary financial modelling with Companies House data, UK filing behaviour patterns, and machine learning, built on a modern data infrastructure using BigQuery, dbt, and Airflow. Three registered proprietary scores form the analytical foundation: H-Score (predicts corporate failure up to three years before insolvency), TextScore (NLP analysis of filing narratives for hidden risk indicators), and PoD (probability of distress with credit and contract limit recommendations). The platform also includes Vigilance fraud detection, a Financial Statement Explorer over 600,000+ annual reports, and a Cyber Risk Report for third-party cybersecurity assessment. Distribution is delivered through four channels: a tiered subscription web platform (Silver, Gold, Platinum), a RESTful API with sub-second response times, a Scoring Gateway for custom data scoring, and direct BigQuery cloud data access.

Company Watch operates a subscription and usage-based revenue model with tiered annual plans and API usage pricing, targeting enterprise buyers through direct field sales, demos, and self-service trials. The company has been part of Volaris Group since 2022 and transitioned to the Vencora financial services portfolio within Volaris in January 2026, ultimately sitting under Constellation Software Inc. It serves 350+ customers including HSBC UK, Barclays, Allianz, Aviva, Toyota, Asda, and Tarmac, and in 2026 won Credit Data & Analytics Provider of the Year at the Credit Awards, beating Equifax, Experian, and TransUnion.

Name

Company Watch

Legal name

Company Watch Limited

Website

https://companywatch.net

Company type

Private

Founded year

1998

Operating status

Operating

Headcount range

11–50 employees

Short description

Company Watch provides AI-driven corporate credit risk and failure prediction analytics for UK and Ireland, serving banks, insurers, public sector bodies, and corporate treasury teams via its platform, API, and BigQuery data access.

Ownership category

akta.pro rank

Product category

Financial Risk Analytics

NAICS

Credit Bureaus (56145)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Fraud Risk & Financial Crime Controls Advisory (BPAKADAL)

akta.pro secondary industries

Risk Scoring, Credit & Fraud Analytics (counterparty/wallet risk) (FSAPAJAF), PEP & Adverse Media Screening / Watchlist Monitoring (FSAMAMAD)

Keywords

• Financial risk analytics
• Corporate credit scoring
• Credit reference agency
• Fraud detection software
• Supplier risk monitoring

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Operations, Infrastructure, Marketing or Sales

Revenue model

1. Platform Subscription: Subscription-based access to the Company Watch platform providing comprehensive risk intelligence, company credit checks, monitoring, and analytics. Accessed via web platform with tiered subscription plans (Silver, Gold, Platinum).
2. API Access: RESTful API delivery of company data and analytics directly into customer systems. Sub-second response times with pricing based on usage volume or subscription tier.
3. Scoring Gateway: Custom scoring service allowing customers to upload management forecasts, internal projections, or third-party financials for scoring via API or Excel integration.
4. Cloud Data Access: Direct BigQuery access to full Company Watch dataset. Customers query data using their own BI tools without data movement requirements.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels11 records

Core offering

Company Watch develops and delivers financial analytic solutions for UK and Ireland corporate counterparty risk. Its offerings combine a web-based platform, a RESTful API, a custom Scoring Gateway, and direct Cloud Data Access via BigQuery, underpinned by proprietary scores (H-Score, TextScore, PoD) and fraud detection tooling (Vigilance). The platform scores, monitors, and analyses millions of UK and Irish companies daily, serving financial institutions, public sector bodies, and corporations with credit checks, due diligence/AML, fraud prevention, and portfolio monitoring.

Product overview

Company Watch offers a platform-plus-modules architecture for UK & Ireland financial risk management. The core Platform provides unified access to all risk intelligence, supported by API, Scoring Gateway, and Cloud Data Access (BigQuery) delivery options. Three proprietary scores—H-Score®, TextScore®, and PoD®—form the analytical foundation, powered by NLP (TextScore®) and predictive analytics (H-Score®, PoD®). Additional modules include Vigilance™ for fraud detection, Stela AI Report/Assistant for AI-powered insights, Enhanced Directorships for network mapping, Stress Testing for scenario modelling, Portfolio Monitoring for real-time alerts, Financial Statement Explorer for searchable filings, Cyber Risk Report for cybersecurity assessment, Data Builder for custom datasets, and Excel Export for reporting.

Differentiator

Problem solved

Functional benefit

Brands

• Vencora: Vencora is the portfolio within Volaris Group that Company Watch transitioned to in January 2025.

Products and services

• Company Watch Platform User-friendly web-based platform providing complete risk profiles for UK and Irish companies, including financial health scores, director histories, group structures, fraud signals, and real-time monitoring. Designed for enterprise users in financial services, public sector, and corporations for credit decisioning, due diligence, and portfolio monitoring.
• Company Watch RESTful API RESTful API delivering real-time company data, risk scores, and business insights directly into enterprise customers' internal systems. Supports sub-second responses and integration of Vigilance V2 data with all 25 abnormal behaviour indicators for embedding risk intelligence into existing workflows.
• Scoring Gateway Self-service scoring service that lets customers upload management forecasts, internal projections, or third-party financials and generate H-Score, PoD, and risk classifications via API or Excel integration. Enables scoring of proprietary or non-UK datasets through Company Watch's analytical engine.
• Cloud Data Access (BigQuery) Direct cloud data access providing the full Company Watch dataset live in Google BigQuery, enabling enterprise data teams to query data using SQL, client libraries, or BI tools such as Looker, Tableau, and Power BI without data pipelines or movement.
• H-Score® Proprietary business credit rating that forecasts potential company failure up to 3 years before formal insolvency, built on seven critical financial factors and calibrated against decades of real UK failure data. Sold as a scored output via Platform, API, Scoring Gateway, and Cloud Data Access.
• TextScore® Natural language processing score that analyses audit qualifications, accounting policy changes, and disclosure patterns in company filings to surface risks invisible to purely quantitative models. Sold as a scored output via Platform and API delivery.
• PoD® (Probability of Distress) Forward-looking probability assessment of company distress calibrated against real UK failure data across a three-year horizon, integrating financial and behavioural data with probability-based scoring, risk bands, and recommended credit/contract limits. Sold via Platform and API.
• Vigilance™ Fraud Detection Standalone fraud detection and prevention tool that automatically scrutinises Companies House filing data, identifying red flags across five fraud zones with 25 abnormal behaviour indicators and delivering real-time monitoring with email alerts.
• Cyber Risk Report Standalone product delivering a real-time, outside-in view of any company's cybersecurity posture, updated daily, with predictive scoring, continuous monitoring, and actionable intelligence for security benchmarking and third-party cyber risk assessment. PDF export added December 2025.

Quantifiable outcome

• Predicts corporate failure up to 3 years before formal insolvency
• +3 more outcomes

Named customers12 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

AI capability6 records

Feature10 records

Partnerships

Three partnerships are on record, tiered notable, core and minor.

• A&MnotableTechnology or IntegrationCase study partnership: Company Watch created a dedicated BigQuery instance tailored to A&M's data needs, providing secure, direct access to all relevant datasets for A&M's internal use.
• Google BigQuerycoreTechnology or IntegrationCloud data infrastructure partnership enabling Company Watch dataset to live in BigQuery, fully structured and ready to query via SQL, client libraries, or BI tools (Looker, Tableau, Power BI).
• Philip KingminorStrategic or Co-development PartnerPublished association on the Know Your Customer whitepaper. Philip King, a credit industry expert, collaborated with Company Watch on this educational resource.

Scale indicators7 records

Recent moves7 records

Expansion highlights7 records

Broad incumbents

• Dun & Bradstreet: Global incumbent in business credit reporting and counterparty risk data. D&B's PAYDEX, failure scores and global data network overlap directly with Company Watch's H-Score, PoD and portfolio monitoring, especially for multinational buyers needing UK depth alongside global coverage.
• Bureau van Dijk (Moody's): Global provider of company information and corporate risk analytics, now part of Moody's. Orbis and related products overlap with Company Watch's H-Score and PoD for counterparty risk and portfolio monitoring at large enterprises.
• Equifax: Global credit bureau operating in the UK business information market through both commercial data and fraud/AML offerings. Named by Company Watch as a competing incumbent in the 2026 Credit Awards.
• Experian: Global credit bureau with a large UK commercial presence offering business credit reports, scores and analytics to banks and corporates. Explicitly named by Company Watch as a competing incumbent that beat in the 2026 Credit Awards.
• TransUnion (UK): Global bureau offering UK business credit reports and risk analytics. Competes with Company Watch for enterprise UK customers across banking and insurance verticals; also named in the 2026 Credit Awards.
• CRIF: European-headquartered credit bureau and business information group with UK and global operations. Offers business credit reports, decisioning platforms and AML/KYC solutions directly comparable to Company Watch's Platform, API and Vigilance offerings.

Direct peers

• Creditsafe: Direct competitor in UK and international business credit reports and risk scoring. Operates a similar platform-plus-API model serving SMEs, corporates and financial institutions, and is one of the most frequently compared UK business credit information providers.
• Graydon: UK and Ireland focused business credit information provider offering company reports, credit scores and monitoring. Closest geographic and product overlap with Company Watch, serving many of the same UK financial services and corporate customers.
• Creditsafe Business Solutions: Already listed; specific UK product suite (Creditsafe Business Solutions platform and Connect API) is the closest like-for-like product alternative to Company Watch's Platform, API and Cloud Data Access.

Regional players

• Veritas Commercial Services: UK specialist commercial credit reference agency serving insolvency practitioners, legal professionals and lenders. Comparable niche UK depth, narrower product set than Company Watch, useful as a regional UK specialist peer.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat6 records

Key risks5 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@companywatchlimited
• LinkedInlinkedin.com/company/company-watch-ltd

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Company Watch