Debt Check

A debt check answers one question before a creditor spends money on recovery: can this debtor actually pay. We combine public register data, licensed corporate intelligence and a legal read of the file into a written assessment, so the decision to pursue, settle or write off the claim rests on evidence rather than hope.

What is included

• A review of solvency indicators drawn from public and licensed commercial records.
• The debtor's corporate structure, group links and any recent changes to ownership or management.
• A check for litigation, insolvency proceedings or public enforcement steps already open against the debtor.
• Visibility on assets where public filings and registers disclose them.
• A written recommendation stating whether the claim is worth pursuing, and by which route.
• A plain answer on cost against likely recovery, before any mandate is signed.

What is not included

The check has real limits, and stating them is part of the deliverable.

• No contact is made with the debtor at this stage; the check works only from public and licensed sources.
• Debtor intelligence beyond what those sources disclose is not part of the service.
• Accuracy depends on the registers themselves; where local filings are incomplete or delayed, the report says so rather than filling the gap with assumption.
• The check is not legal advice on the merits of the underlying contract. That analysis follows once a mandate is agreed, not before.

Where the information comes from

We draw on public commercial registers, court and insolvency registers where they are publicly accessible, filed accounts, and licensed corporate database providers used across the jurisdiction concerned. Where a register is closed or the filing is stale, the report names that gap instead of estimating around it. This is legal research and corporate intelligence from public and licensed sources, not an inquiry into the debtor's private affairs.

How the work runs

The creditor submits the debtor's identifying details and a short summary of the claim through the request form. We run the check against the sources above and draft the written assessment. The report is delivered within a short, fixed turnaround agreed at the time of the request, together with our recommendation on the next step, if there is one.

How the fee is credited

The fee for the check is a fixed amount, set out in the offer and never negotiated afterward. If the creditor decides to proceed to a recovery mandate on the strength of the report, that fee is offset against the first invoice of the mandate rather than charged twice. Where the report recommends against pursuing the claim, the fee stands alone and no mandate follows.

Common questions

What does a debt check actually tell me?

It tells you whether the debtor shows signs of being able to pay, whether other creditors or insolvency steps are already ahead of you, and whether the cost of pursuing the claim is likely to be justified by what could realistically be recovered.

Can I use a debt check as evidence in court?

The report is a commercial assessment, not a court filing. Some of the underlying register extracts can support a later claim, but the report itself is written for a business decision, not for submission to a judge.

How is the fee applied if I proceed to a mandate?

The amount already paid for the check is deducted from the first invoice raised once a recovery mandate is agreed, so the assessment is not paid for twice.

An unpaid invoice does not become easier to recover while a creditor waits for certainty that does not exist on its own. The debtor's position, and the limitation period attached to the claim, keep moving whether or not a decision is made. A short written check turns that uncertainty into a decision the creditor can act on before the balance sheet in front of them changes further.