Company credit reports

Request a UK company credit report on any company client and receive a downloadable PDF directly to the client profile.

Where you do it

Open the company profile → Overview tab → Credit report card. Hidden on individual profiles (credit reports apply only to companies).

How it works

Click Request credit report — £{price}.
Confirm the charge in the dialog. The fee is debited from your firm balance immediately.
Status switches to "Awaiting Certivus team". The Certivus team is notified instantly (email + in-app + WhatsApp).
Typical turnaround: within 30 minutes during normal hours.
When ready, you'll see an in-app notification + the card switches to "Latest report ready" with a Download PDF button.

The downloaded PDF is the same Creditsafe report we'd get via API — financials, directors, CCJs, group structure, credit limit.

What if the report can't be fulfilled?

If our team can't find the company in Creditsafe (e.g. very newly registered, foreign entity, dissolved), they'll mark the request failed with a reason. Your balance is refunded automatically and you'll get an in-app notification explaining why.

Cancelling a pending request

While a request is still in the "Awaiting Certivus team" state, you can click Cancel + refund to back out — the £5 is returned to your firm balance. Once an admin has taken the request ("Being prepared" state), you can't cancel — wait for them to fulfil or mark failed.

Fresh vs stale reports

Once a report is fulfilled, the card keeps the PDF available indefinitely. After 30 days the card shows a "stale" badge as a gentle reminder to refresh — this matters for ongoing client monitoring under MLR 2017 reg 28(11).

To refresh, click "Request a fresh report" — same cost, new fulfilment cycle.

Why we charge per request

Creditsafe's API access is rate-limited and expensive on a per-report basis. To keep your subscription price stable, we pass through the report cost (£{price}) per request rather than baking a heavy volume-uncertain cost into the monthly plan.

In a future release once we sign a higher-volume Creditsafe API contract, the same button will fulfil instantly with no manual step — your firm UX doesn't change.

Audit trail

Every request, fulfilment, failure, and cancellation writes to the client audit log with the actor, timestamp, amount charged, and reason (if failed/cancelled). The audit slice in the per-company Compliance Pack picks these up automatically.