Firmwatch
Free insolvency risk checker

Insolvency risk checker

Search a UK company and view public risk signals from its accounts, filing history and public risk records.

The risk band is a screening signal. It is not a prediction, credit decision or formal insolvency assessment.

Risk score and band

See a public-data risk score and band based on visible financial stress indicators and filing age.

Stress indicators

Review negative net assets, weak working capital, low current ratio and other visible warning signs.

Public risk context

Where available, combine account signals with public insolvency, strike-off and Gazette-related events.

How insolvency risk is screened

Firmwatch insolvency risk is a public-data screen. It looks at balance-sheet stress and the age of the latest available accounts, then combines that with public risk events where available.

Negative net assets, negative working capital and weak current-ratio signals can indicate financial pressure. They do not prove a company is insolvent, but they are useful warning signs for monitoring and review.

A low-risk band does not guarantee safety, and a higher-risk band does not guarantee failure. The model should be used to prioritise attention, not to make a final legal, lending or investment decision.

Read the methodology

Search a company

Open the company page to see financials, risk signals and sector context.

Common questions

Is this an insolvency prediction?

No. It is a public-data screening signal. It cannot predict future insolvency or replace professional advice.

What public records are considered?

Firmwatch uses extracted Companies House accounts and public risk events where available, including insolvency and strike-off signals.

Why can a profitable company still show risk?

Firmwatch may not see current trading profit. It reads public accounts, which can be old or abbreviated, so the score reflects visible filing data.

How should I use the score?

Use it to prioritise review, monitoring and follow-up. Do not treat it as a credit score, legal conclusion or formal insolvency opinion.

Need this across a whole portfolio?

Search is useful for one company. Firmwatch is built for monitoring many companies with alerts, financial signals and public-record changes in one workflow.