Annotated sample · Standard report (2 credits)
Example Standard credit report
The Standard report adds the detail behind the score: full filed accounts, public record, director information, key ratios and payment behaviour. Here is what it contains, annotated.
| Risk Score (1–100) | 78 |
| Risk Assessment | Very Low Risk |
| Credit Limit | £420,000 |
Score & Limit
The risk score (here 78 out of 100, where a higher score means lower risk) and the suggested credit limit are the headline of the report. Both are a guide to inform your decision, not a guarantee.| Registered Number | 09246173 | Sales | £22,450,300 |
| Date Incorporated | 14 May 1998 | Pre-Tax Profit | £1,256,300 |
| Date Latest Accounts | 31 March 2026 | Working Capital | £4,080,000 |
| Employees | 84 | Net Assets | £6,654,215 |
What the summary tells you
The headline snapshot: size (sales, employees), profitability (pre-tax profit) and financial strength (working capital and net assets).| Legal Form | Private company limited by shares |
| Previous Names | BRONZEBRIDGE HAWSEN TRADING LIMITED |
| Registered Number | 09246173 |
| Annual Return | 14 May 2026 |
| Registered Office | Tanners Court, 5 Wharf Road, Leeds LS10 1AB |
| Auditors | HALLWORTH & PAGE LLP |
| SIC Code & Operations | 46690 — Wholesale of other machinery and equipment |
| Parent Company | None |
| Ultimate Parent | None — independent company |
| Group Structure | Not part of a group |
Identity & group
Confirms you are reporting on the right entity, and shows whether it sits within a wider group. This company is independent, so its credit standing rests on its own results.| Shareholder | Shares | Class |
|---|---|---|
| Mr Alan Hargreaves Mercer | 60,000 | Ordinary £1 |
| Mrs Priya Devlin Okoro | 40,000 | Ordinary £1 |
Who owns the company
The principal shareholders hold the issued share capital (here 100,000 £1 ordinary shares, matching the £100,000 share capital on the balance sheet).| Name | Role | Date of Birth | Appointed | Nationality |
|---|---|---|---|---|
| Mr Alan Hargreaves Mercer | Director | 12 March 1969 | 14 May 1998 | British |
| Mrs Priya Devlin Okoro | Director | 28 September 1974 | 02 June 2010 | British |
| Ms Helen Margaret Carrow | Secretary | – | 14 May 1998 | British |
People with significant control
A full report links each director to their other appointments. The Director Search example shows that in detail.| Period | Last 12m | 13–24m | 25–36m | 37–48m | 49–60m |
|---|---|---|---|---|---|
| Number of CCJs | 0 | 0 | 1 | 0 | 0 |
| Value of CCJs | £0 | £0 | £540 | £0 | £0 |
| Date | Court | Amount | Status | Plaintiff Ref |
|---|---|---|---|---|
| 18 August 2023 | LEEDS | £540 | Satisfied | 4LS09188 |
Why CCJs matter
CCJs are a strong public signal of payment difficulty. A single small, satisfied judgment from over two years ago carries far less weight than recent or unsatisfied ones. CCJ data is sourced from the Registry Trust.| Date of Filing | Details |
|---|---|
| 12 December 2026 | New Accounts Filed |
| 14 May 2026 | Confirmation Statement |
| 12 December 2025 | New Accounts Filed |
| 14 May 2025 | Confirmation Statement |
| 12 December 2024 | New Accounts Filed |
| 14 May 2024 | Confirmation Statement |
| 14 May 1998 | Incorporated |
Filing track record
A steady record of accounts filed and confirmation statements on time is itself a positive sign. Gaps or late filings can be an early warning.| Paid before due | Paid late | Current due | Current overdue | Invoices sampled |
|---|---|---|---|---|
| 92% | 5% | 0% | 3% | 38 |
A forward-looking signal
How promptly a company actually settles its bills often predicts trouble earlier than the filed accounts.| Date of Accounts | 31/03/26 | 31/03/25 | 31/03/24 | 31/03/23 | 31/03/22 |
|---|---|---|---|---|---|
| Turnover Sales excluding VAT | 22,450,300 | 20,180,900 | 18,640,500 | 16,920,750 | 15,340,200 |
| Cost of Sales | 16,160,000 | 14,530,000 | 13,420,000 | 12,180,000 | 11,045,000 |
| Gross Profit | 6,290,300 | 5,650,900 | 5,220,500 | 4,740,750 | 4,295,200 |
| Operating Costs | 4,990,000 | 4,620,000 | 4,360,000 | 4,050,000 | 3,760,000 |
| Interest Payable | 44,000 | 49,000 | 54,000 | 58,000 | 62,000 |
| Pre-Tax Profit | 1,256,300 | 981,900 | 806,500 | 632,750 | 473,200 |
| Taxation & Dividends | 376,890 | 294,570 | 241,950 | 189,825 | 141,960 |
| Retained Profit | 879,410 | 687,330 | 564,550 | 442,925 | 331,240 |
Reading the P&L
Work down from turnover to retained profit. Rising turnover with a steady gross margin and growing pre-tax profit points to a healthy business.| Date of Accounts | 31/03/26 | 31/03/25 | 31/03/24 | 31/03/23 | 31/03/22 |
|---|---|---|---|---|---|
| Tangible Assets | 3,360,000 | 3,180,000 | 3,010,000 | 2,820,000 | 2,650,000 |
| Intangible Assets | 0 | 0 | 0 | 0 | 0 |
| Total Fixed Assets | 3,360,000 | 3,180,000 | 3,010,000 | 2,820,000 | 2,650,000 |
| Stocks & WIP | 2,760,000 | 2,520,000 | 2,330,000 | 2,160,000 | 1,980,000 |
| Debtors | 3,260,000 | 2,960,000 | 2,720,000 | 2,480,000 | 2,260,000 |
| Cash | 1,620,000 | 1,260,000 | 980,000 | 780,000 | 620,000 |
| Other Current Assets | 430,000 | 400,000 | 380,000 | 360,000 | 340,000 |
| Total Current Assets | 8,070,000 | 7,140,000 | 6,410,000 | 5,780,000 | 5,200,000 |
| Current Liabilities | 3,990,000 | 3,780,000 | 3,610,000 | 3,420,000 | 3,250,000 |
| Working Capital | 4,080,000 | 3,360,000 | 2,800,000 | 2,360,000 | 1,950,000 |
| Long-Term Liabilities | 785,785 | 765,195 | 722,525 | 657,075 | 520,000 |
| Net Assets | 6,654,215 | 5,774,805 | 5,087,475 | 4,522,925 | 4,080,000 |
| Share Capital & Premium | 100,000 | 100,000 | 100,000 | 100,000 | 100,000 |
| Retained Earnings | 6,554,215 | 5,674,805 | 4,987,475 | 4,422,925 | 3,980,000 |
| Shareholders Funds | 6,654,215 | 5,774,805 | 5,087,475 | 4,522,925 | 4,080,000 |
Strength and solvency
Net assets are everything owned less everything owed. Positive and rising net assets, with current assets comfortably above current liabilities, indicate the company can meet its obligations.| Date of Accounts | 31/03/26 | 31/03/25 | 31/03/24 | 31/03/23 | 31/03/22 |
|---|---|---|---|---|---|
| Current Ratio | 2.02 | 1.89 | 1.78 | 1.69 | 1.60 |
| Credit Period (days) | 53.00 | 53.54 | 53.26 | 53.50 | 53.77 |
| Return on Capital (%) | 16.89 | 15.01 | 13.88 | 12.22 | 10.29 |
| Pre-Tax Margin (%) | 5.60 | 4.87 | 4.33 | 3.74 | 3.08 |
| Equity Gearing (%) | 58.22 | 55.96 | 54.01 | 52.59 | 51.97 |
| Debt Gearing (%) | 11.81 | 13.25 | 14.20 | 14.53 | 12.75 |
What the ratios show here
Liquidity is improving (current ratio rising above 2.0), returns are strengthening (return on capital and pre-tax margin both up year on year), and gearing remains modest.Need the deepest analysis? The Credit Analysts report adds common-size analysis, a written appraisal and an Altman Z-Score.
See the full Credit Analysts example