cocredo limited

Name

cocredo limited

Legal name

CoCredo Limited

Website

https://wyseassist.co.uk

Company type

Private

Operating status

Operating

Short description

CoCredo Limited is a UK-based private business credit intelligence company that provides company credit reports, credit scores, monitoring, and portfolio management tools to over 100,000 SMEs and enterprises across 240+ countries, aggregating data from Creditsafe, Experian, Worldbox, Graydon, and TransUnion UK.

Ownership category

akta.pro rank

Product category

Business Credit Intelligence

NAICS

Credit Bureaus (561450), Credit Bureaus (56145)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Credit Bureaus & Consumer Credit Reporting Agencies (FSAKAKAA)

akta.pro secondary industries

Credit Education, Monitoring & Consumer Credit Management Tools (FSAKAKAJ), CRM Data Quality, Enrichment & CDP-Adjacent CRM (HDAEAFAJ)

Keywords

• Business credit reports
• Credit risk management
• Company credit monitoring
• Credit intelligence platform
• Supplier risk assessment

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Company Credit Reports: One-time purchase model where customers buy individual credit reports at tiered pricing levels (Level 1, 2, 3). Reports are charged per company searched with pricing based on depth of information required. All purchases include 12 months access to updated data.
2. Dual Reports: Premium multi-source credit reports combining two independent data sources, priced at £23 per report, offering cross-verified credit recommendations and more comprehensive risk assessment.
3. Company Documents: Access to over 200 million documents from Companies House and Irish CRO, priced at £3 per document download. Documents are included in company credit reports at no extra charge.
4. Credit Monitoring: Ongoing monitoring service with daily or weekly alerts tracking changes in credit profiles. Monitoring deducts 16 points per company per check and can be bundled with report purchases.
5. D.N.A Portfolio Manager: Portfolio management tool subscription providing real-time credit risk visibility across entire customer/supplier base with advanced analytics and CSV export capabilities.
6. CRM Integration / API Access: Technical integration services enabling automated credit data delivery into customer systems, supported by in-house technical team for mapping and implementation.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels6 records

Core offering

CoCredo aggregates business credit data from multiple independent providers (Creditsafe, Experian, Worldbox, Graydon, TransUnion UK) and delivers UK and international company credit reports, dual-source credit opinions, credit scores, recommended credit limits, ongoing monitoring alerts, and a portfolio management dashboard. The platform also offers CRM/ERP API integration, pharmacy-specific reports with NHS data, director reports, company document access, consumer credit reports, debt recovery, and credit management advisory services to help businesses assess customer and supplier financial stability across 240+ countries.

Product overview

CoCredo provides a comprehensive suite of business credit intelligence tools designed to help businesses assess financial risk, monitor customers and suppliers, and make confident trading decisions. The core offering centers on company credit reports available at multiple levels (Level 1-3 and Dual Reports combining two independent credit opinions), supported by specialized products including Pharmacy Credit Reports for healthcare sectors and Director Reports for due diligence. The platform offers portfolio management through D.N.A Credit Portfolio Manager, continuous monitoring services, access to 200+ million company documents, consumer credit reporting via TransUnion partnerships, B2B marketing data, debt recovery services, procurement solutions, and CRM/ERP integration via API. Coverage spans the UK, Ireland, and more than 240 countries and territories internationally.

Differentiator

Problem solved

Functional benefit

Products and services

• UK and Ireland Credit Reports Tiered business credit reports for UK and Irish companies providing credit scores, risk ratings, payment behaviour analysis, CCJ and legal filing records, insolvency indicators, company structure information, and recommended credit limits. Designed for SMEs and enterprises assessing customer or supplier creditworthiness before trading.
• International Business Credit Reports Business credit reports covering companies in more than 240 countries and territories, providing financial health assessment, payment behaviour analysis, and creditworthiness evaluation for international trading partners. Snapshot reports are available across 157 territories with delivery within 1-3 working days.
• Dual Reports Multi-agency business credit reports combining credit information from two independent data sources into a single report, providing two separate credit scores and cross-verified recommended credit limits. Priced at £23 per report.
• D.N.A Credit Portfolio Manager Credit risk portfolio management platform providing a real-time dashboard view of entire customer and supplier portfolios, with early identification of financial changes, over 40 detailed company data fields, visual analytics for portfolio health, and CSV export functionality.
• UK and International Credit Monitoring Continuous business credit monitoring service providing daily or weekly alerts on changes to credit scores, risk ratings, payment history, CCJs, director changes, and financial performance for UK and international companies.
• Pharmacy Credit Reports Specialised business credit reports for UK pharmacies and healthcare suppliers incorporating sector-specific data including NHS prescription payment patterns and pharmacy-specific financial indicators for more accurate credit assessment in the healthcare supply chain.
• Director Reports Reports providing information on individual directors including current and previous directorships, appointment history, resignation records, linked companies, corporate affiliations, and associated business structures for due diligence purposes.
• Company Documents Access to over 200 million official company documents from Companies House and the Companies Registration Office (CRO) in Ireland, including annual returns, financial accounts, capital documents, and filing history. Documents are priced at £3 each.
• Consumer Reports Consumer credit referencing services including CallValidate (identity verification and fraud prevention from TransUnion UK), CallReport (credit referencing confirming name, address, and adverse public data), CallID, and CallML for identity verification and AML compliance.
• Marketing Data (BeUpdated and Corporate Profiling) B2B marketing data services providing database enhancement with business status, credit information, contact details, turnover, employee figures, and director data. Includes Premium Monitoring for daily or weekly alerts on business changes.
• Debt Recovery Commercial debt recovery services including Letters Before Action (LBA), court proceedings initiation, statutory demands, formal enforcement processes, debtor tracing, and winding-up proceedings for UK businesses.
• Procurement Solutions Supplier risk management solutions helping businesses assess supplier stability, evaluate international suppliers across 240+ countries, and implement continuous supplier monitoring for early risk alerts.
• Credit Management Solutions Advisory and consulting services for credit risk management including customer risk assessment, multi-source financial analysis, credit policy development, credit automation, KPI design, and credit team mentoring and training.
• CRM Integration and API API-based integration service enabling real-time delivery of company credit data, risk insights, and monitoring alerts directly into CRM, ERP, and internal business systems via XML Delivery with automated data transfer.

Quantifiable outcome

• Customer retention rate exceeding 90%
• +3 more outcomes

Named customers14 records

Segments5 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 capability2 records

Feature4 records

Partnerships

Seven partnerships are on record, tiered core.

• CreditsafecoreTechnology or IntegrationCreditsafe is listed as a data broker/aggregator from whom CoCredo receives Identity and Contact Data as part of their data sourcing strategy for credit reports.
• ExperiancoreTechnology or IntegrationExperian is listed as a data broker/aggregator providing Identity and Contact Data to CoCredo for use in credit reporting services.
• WorldboxcoreTechnology or IntegrationWorldbox is listed as a data broker/aggregator providing international company data to CoCredo for credit reporting purposes.
• GraydoncoreTechnology or IntegrationGraydon is listed as a data broker/aggregator providing commercial data to CoCredo for credit assessment and reporting services.
• TransUnion UKcoreTechnology or IntegrationTransUnion UK (formerly CallCredit) provides consumer credit data for CoCredo's Consumer Reports including CallValidate (identity verification and fraud prevention), CallReport (consumer credit referencing), CallID, and CallML products.
• Companies HousecoreTechnology or IntegrationCompanies House is the official source of UK company documents accessed by CoCredo, providing registration details, filing history, financial accounts, and official company records for over 200 million documents.
• Companies Registration Office (CRO) IrelandcoreTechnology or IntegrationCRO Ireland is the official source of statutory information for Irish companies, providing annual returns, capital documents, and mortgage index reports accessible through CoCredo's platform.

Scale indicators7 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Creditsafe: UK-headquartered business credit reporting provider offering company credit reports, scores, and monitoring across global markets. Creditsafe and CoCredo compete directly in the UK SME credit intelligence segment and serve enterprise customers with API/CRM integrations; Creditsafe is also a CoCredo data supplier.
• Graydon: UK and European commercial data provider offering company credit reports and business intelligence. Graydon is both a CoCredo data partner and a direct competitor serving overlapping UK SME and mid-market customers with similar credit reporting products.
• Endole: UK-based company information platform offering business credit reports, financial data, and director information. Endole competes directly with CoCredo for UK SMEs seeking affordable self-serve company credit reports and monitoring.
• CompanyCheck: UK-focused business credit reports and company information service targeting small businesses. Competes directly with CoCredo in the UK SME segment with similar pricing models for pay-as-you-go credit reports and monitoring.
• 192.com Business: UK business information and people search platform offering company reports and credit-related data. 192.com competes with CoCredo for UK SMEs and consumers seeking company credit checks and basic business intelligence at accessible price points.

Broad incumbents

• Experian: Global consumer and business credit bureau with extensive UK presence. Experian is both a CoCredo data supplier and a competing provider of business credit reports, scores, and decisioning tools to the same UK SME and enterprise customer base.
• Dun & Bradstreet: Global leader in business credit reporting with the D-U-N-S Number and proprietary PAYDEX scoring. Competes with CoCredo in the UK business credit intelligence market and serves multinational customers requiring cross-border commercial credit data.
• TransUnion UK: Major UK credit bureau with consumer credit reporting and identity verification products. TransUnion provides CallValidate, CallReport, CallID, and CallML data to CoCredo's Consumer Reports offering and competes in adjacent consumer credit decisioning categories.
• Bureau van Dijk (Moody's): Moody's-owned global business intelligence platform providing detailed company information and credit reports across nearly all jurisdictions. Competes with CoCredo in the international and enterprise credit intelligence segments with significantly broader data depth.
• CRIF: Italy-based international credit bureau and business information group operating across Europe, the Americas, and Asia. CRIF competes with CoCredo in business credit reporting and credit decisioning for European and international markets.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 cocredo limited