What Armadillo does

Armadillo is a UK-based RegTech and corporate information services platform operated by Cambridge Applied Technologies Ltd, founded in 1997 and headquartered in Hitchin, Hertfordshire. The firm provides KYC/AML compliance, anti-money laundering checks, enhanced due diligence, PEP/Sanctions/Adverse Media screening, international corporate credit reports, registry document ordering, company formation, translation/legalisation, and accounting services to regulated businesses including banks, law firms, accounting practices, corporates, and high net worth individuals. Its technical platform combines a proprietary Armadillo HUB with multiple integrated systems: I-Docs (Registry Docs) for self-serve document ordering across 1,000+ registries, Dig Deeper (ADD) for screening against 5 billion individuals and 1 billion businesses, and Perpetual KYC for continuous corporate change monitoring, all exposed through commercial APIs and FTP/CRM integrations.

The business operates on a hybrid monetization model: low-fee per-document transactions (e.g., £0.25 per UK Companies House document), fixed-price formation packages (£112.98-£154.00), recurring compliance subscriptions for KYC/AML and screening, and enterprise API/embedded licensing for bespoke integrations. Go-to-market combines direct enterprise sales (banks, law firms, large corporates), a self-serve transactional platform (registrydocs.com), and a channel partner network of compliance consultants, legal firms, and accounting practices that embed Armadillo within their client services. The group holds ISO 27001 and ISO 9001 certifications, is HMRC Compliance regulated, and operates Armadillo Legal Ltd as an SRA-regulated UK law firm (since 2015), enabling legally privileged compliance work.

Armadillo has been bootstrapped since founding with no external funding rounds disclosed, is founder-led by Manny Cohen (40+ years industry tenure), and has maintained continuous RegTech100 recognition from 2020 through 2025. Its 2023 launch of Perpetual KYC and 2025 ACSP authorization for Companies House identity verification mark the most recent commercial extensions of the platform.

Name

Armadillo

Legal name

Cambridge Applied Technologies Ltd

Website

https://thearmadillogroup.com

Company type

Private

Founded year

1997

Operating status

Operating

Short description

Armadillo is a UK-based RegTech platform, founded in 1997, providing KYC/AML compliance screening, international registry document ordering, corporate credit reports, and due diligence services to banks, law firms, accountants, and regulated businesses across 220+ countries.

Ownership category

akta.pro rank

Product category

Regulatory Technology (RegTech) Compliance Services

NAICS

Computer Systems Design and Related Services (54151), Custom Computer Programming Services (541511), Management, Scientific, and Technical Consulting Services (5416)

SIC

Services-Prepackaged Software (7372), Services-Management Consulting Services (8742)

akta.pro primary industry

Regulatory Reporting & Compliance Automation (FinCEN/CTR/SAR, EMIR/MiFID, etc.) (FSAGAFAG)

akta.pro secondary industries

Sanctions, PEP & Watchlist Screening (name matching, adverse media) (FSAGAFAD), AML/CFT & Financial Crime Compliance (FSAFAOAD), Compliance Technology, GRC Platforms & Controls Automation Advisory (BPAHAFAO)

Keywords

• Regulatory technology
• KYC compliance
• Anti-money laundering
• Corporate registry documents
• Enhanced due diligence

Headquarters

HQ city

Hitchin

HQ country

United Kingdom

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Document Delivery Services: Revenue from delivering international registry documents and corporate reports. Documents are delivered within 1 hour for standard orders. Pricing includes per-document fees (e.g., UK Companies House documents at £0.25) and subscription access to global company databases covering 500 million companies across 1000+ registries.
2. KYC/AML Compliance Services: Identity verification, PEP/Sanctions screening, Anti-Money Laundering checks, and Enhanced Due Diligence services. Sources include government institutions, registries, banking sector organizations, and private data collection companies covering 220+ countries and 5 billion+ individuals.
3. Company Formation Services: UK and international company formation services including e-Incorp digital platform for UK companies. Packages include Starter Pack (£112.98) and Compliance Pack (£154.00) for UK formations, with services for Public Limited Companies, Limited Liability Partnerships, and international entities.
4. Accounting and Audit Services: Comprehensive accounting services including statutory accounts, management accounts, audits, bookkeeping, VAT registration/returns, and tax agent services provided through Armadillo Corporate.
5. Translation and Legalisation Services: Certified translation services in 180+ languages for official documents including registry documents, contracts, and immigration papers. Services include basic translation, certified translation, legal translation, and apostille/legalisation.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

Armadillo operates a proprietary RegTech platform delivering compliance and onboarding solutions for regulated businesses. Its core offerings include global registry document ordering (I-Docs/Registry Docs), KYC/AML identity verification, PEP/Sanctions/Adverse Media screening via the Dig Deeper (ADD) system, corporate credit reports, Enhanced Due Diligence, company formation services, accounting/audit support, translation/legalisation and a UK-regulated legal services arm. The integrated Armadillo HUB platform consolidates these capabilities, supported by commercial APIs for CRM integration.

Product overview

Armadillo is a RegTech platform providing a comprehensive suite of compliance and business information services. The core offerings include I-Docs for global registry document ordering, Corporate Reports for credit information on 500 million companies, and Anti-Money Laundering/Enhanced Due Diligence services for KYC compliance. These are supported by the Dig Deeper (ADD) system for PEPs/Sanctions/Adverse Media screening and the Armadillo HUB platform for consolidated access. Additional services include Translation Services, Identity Verification, UK and International Company Formations via the e-Incorp digital portal, Accounting and Audit Services, Armadillo Compliance for KYC/AML compliance assistance, and Armadillo Legal (UK regulated law firm) for client confidentiality. The Armadillo Perpetual KYC system (launched December 2023) provides ongoing corporate information updates. API solutions enable CRM integration and real-time data matching. The company also offers Compliance Intelligence Unit (CIU) for specialized investigations and Register of Overseas Entities verification services.

Differentiator

Problem solved

Functional benefit

Brands

• Armadillo Dig Deeper (ADD): Global service allowing regulated businesses to check up to 5 Billion individuals, 1 billion businesses and 500 million companies for PEPs, Sanctions and Adverse Media risk exposure with full automated monitoring.
• Armadillo I-Docs
• Armadillo Compliance
• Armadillo Registry Docs
• e-Incorp

Products and services

• Registry Docs (I-Docs)
• Corporate Reports
• Anti-Money Laundering (AML)
• Enhanced Due Diligence (EDD)
• Dig Deeper (ADD)
• Companies House Documents
• Translation Services
• Identity Verification (ACSP)
• UK Company Formations (e-Incorp)
• International Company Formations
• Accounting and Audit Services
• Armadillo Compliance
• Armadillo Legal
• Armadillo Perpetual KYC
• API Solutions
• Register of Overseas Entities

Quantifiable outcome

• Documents delivered in under 1 hour for most jurisdictions
• +3 more outcomes

Segments5 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

AI capability3 records

Feature5 records

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Bureau van Dijk (Moody's): Bureau van Dijk, owned by Moody's, provides global corporate information, KYC/AML data, and compliance solutions on a similar scale to Armadillo (Orbis, Compliance Catalyst). It is the most direct competitor in international registry data and corporate KYC.
• ComplyAdvantage: ComplyAdvantage is an AI-driven AML and sanctions screening platform serving banks and fintechs. It competes head-to-head with Armadillo Dig Deeper (ADD) and Armadillo HUB in PEP/Sanctions/Adverse Media screening and ongoing monitoring.
• Encompass Corporation: Encompass provides automated KYC and entity resolution for corporate onboarding and perpetual KYC, directly overlapping with Armadillo's I-Docs, Corporate Reports, and Perpetual KYC offerings for regulated banks and corporates.
• Creditsafe: Creditsafe provides international business credit reports and compliance data on hundreds of millions of companies, directly competing with Armadillo Corporate Reports and registry-document services for SME and enterprise customers.
• SmartKYC: SmartKYC offers AI-driven KYC, EDD, and ongoing monitoring for banks and corporates. It competes with Armadillo Compliance, ADD, and Perpetual KYC in the same enterprise KYC and perpetual-monitoring category.

Broad incumbents

• Refinitiv (London Stock Exchange Group): Refinitiv, now part of LSEG, offers World-Check for PEPs/Sanctions screening and a broad suite of KYC and compliance data products. It competes with Armadillo in sanctions/PEP screening and entity data, but as part of a much wider financial data franchise.
• Dun & Bradstreet: Dun & Bradstreet provides global business credit reports, corporate hierarchies, and compliance data on hundreds of millions of companies. It directly competes with Armadillo's Corporate Reports and beneficial-ownership data offerings, and serves enterprise risk and procurement buyers.
• LexisNexis Risk Solutions: LexisNexis Risk Solutions provides AML, KYC, beneficial-ownership, and entity-data products including LexisNexis Bridger Insight and WorldCompliance. It overlaps with Armadillo's screening, EDD, and registry-data offerings as part of a much broader risk and legal data portfolio.
• Dow Jones Risk & Compliance: Dow Jones Risk & Compliance provides PEPs, sanctions, adverse media, and beneficial-ownership data used for KYC and EDD. It overlaps with Armadillo's screening and EDD products as part of a much broader news and information franchise.

Emerging players

• NorthRow: NorthRow provides SaaS-based AML, KYC, and ongoing-monitoring solutions for regulated firms. It is an emerging competitor to Armadillo Compliance and ADD in mid-market and digital-bank KYC workflows.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

Compliance7 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Subsidiaries3 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 Armadillo