Annotated sample · Non-Limited report (1 credit)

Example Non-Limited credit report

Non-limited businesses, sole traders and partnerships, don’t file accounts at Companies House, so the report leans on credit data, public records and payment behaviour. Here is an annotated example.

Illustrative example only. “Toney and Ashburne Convenience Stores” is a fictional business and all figures are invented for illustration. A live report shows the actual, current data for the business you search.
Non-Limited business report — Toney and Ashburne Convenience Stores
Business NameToney and Ashburne Convenience Stores
Employees14
How non-limited reports differ
Sole traders and partnerships do not file accounts at Companies House, so the report relies on credit reference data, public records and a credit guide rather than filed financials.
Credit rating
Risk Guide (1–100)64
Risk AssessmentLow to moderate risk
Credit Guide£18,000
Risk guide & credit guide
Without filed accounts a full score cannot be calculated, so a broad risk guide and a suggested credit guide are given instead, based on the information available.
Business information
Senior ExecutiveMr David John Toney
Address14–16 Market Parade, Ashburne Road, Nottingham NG3 2RP
Telephone Number0115 496 2280
ActivitiesRetail stores
Confirming the business
A non-limited business is identified by its trading name, address and proprietor rather than a company number, so those details matter more for confirming you have the right business.
Payment performance

No information available.

Public record information
County Court JudgmentsLast 12m13–24m25–72m
Number of CCJs010
Value of CCJs£0£1,250£0
DateCourtAmountStatusPlaintiff Ref
04 February 2025NOTTINGHAM£1,250Satisfied5NG02714

Bankruptcies: none recorded.

Public record for non-limited businesses
CCJs against the business are a key signal where filed accounts are not available. A single satisfied judgment weighs less than recent or unsatisfied ones.
Further information

This report has been prepared on the basis that the subject is a sole trader or partnership. Only limited companies are required to file accounts, so no audited accounts were available on which to assess the business’s financial resources. In their absence a full credit rating cannot be calculated, and the figures above are presented as a broad credit guide based on the information available.

Checking a limited company instead? See the full Credit Analysts example.
See the full Credit Analysts example