Transparency & Governance

Data Sources, Monitoring Architecture & Alert Methodology

How CreditWatchGo detects official corporate events, evaluates material credit risk, and connects public UK filings directly to your actual commercial exposure.

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Core Product Philosophy

Evidence First. No Black-Box Credit Scores.

CreditWatchGo is built on a clear premise: credit professionals and business owners make better risk decisions when presented with verifiable official source documents, rather than an opaque, proprietary algorithm.

01

Primary Source Evidence

Every risk alert is grounded in official UK statutory records: Companies House statutory filings and The Gazette official legal notices. We do not use unverified rumours or third-party sentiment scrapers.

02

Customer Financial Exposure

An event only has meaning in the context of the money you have at risk. Exposure figures, credit limits, and agreed payment terms are entered directly by you, connecting public events to your actual balance sheet.

03

Explainable Severity Rules

Severity is determined by clear, auditable rules based on legal event types and exposure thresholds. We tell you exactly why an alert was marked Critical, High, Medium, or Low.

Data Ingestion Architecture

Official Sources and Ingestion Frequencies

We ingest data continuously throughout official publishing windows, eliminating the delay between an official filing and your team’s notification.

UK Companies HouseContinuous Stream + REST

Companies House maintains the official registrar of companies for England, Wales, Scotland, and Northern Ireland. CreditWatchGo monitors:

  • Insolvency & Dissolution: Formal liquidation filings, voluntary strike-offs, and compulsory strike-off proposals.
  • Charges & Mortgages (MR01): Registration of fixed and floating debentures over company property and book debts.
  • Officers & Governance: Director resignations, new appointments, and changes in significant control (PSC).
  • Registered Office: Abrupt changes in registered legal addresses or corporate service locations.
  • Filing Compliance: Late submission warnings for annual accounts and confirmation statements.
The GazetteAutomated Legal Notice Polling

The Gazette (London, Edinburgh, and Belfast) is the UK's official public record for statutory and legal notices. Gazette legal notices often appear days or weeks before formal paperwork is completed at Companies House:

  • Winding-up Petitions: Creditor petitions submitted to the High Court or County Courts to liquidate insolvent companies.
  • Appointment of Administrators: Emergency appointment of insolvency practitioners to take control of troubled businesses.
  • Creditors' Meetings: Statutory notices convening meetings under the Insolvency Act 1986.
  • Appointment of Liquidators: Members' voluntary (MVL) and creditors' voluntary liquidations (CVL).
  • Notice of Intended Dividends: Distribution schedules for creditor claims.

Risk Classification

The 4-Tier Severity Determination Model

Alerts in CreditWatchGo are prioritized to prevent notification fatigue while ensuring you never miss a catastrophic risk event.

Critical

Immediate Cash Flow Risk / Legal Insolvency

Includes winding-up petitions, administration orders, appointment of provisional liquidators, and receivership notices. When a customer with open exposure reaches this state, shipments should be placed on hold immediately and accounts reconciled.

High

Material Structural Changes

Includes Gazette first strike-off gazette notices, registration of new floating charges or debentures (which subordinate unsecured trade creditors), and director resignations on counterparties with active open balances.

Medium

Governance & Administrative Updates

Includes appointment of new company directors, PSC cessation or appointments, registered office address changes, and overdue confirmation statements.

Low

Routine Statutory Filings

Includes on-time statutory accounts filings, routine annual confirmation statements, and minor company name alterations.

Auditability

Every Alert Is Traceable to Its Origin

When a credit controller receives an alert, they need to verify the filing immediately before phoning a customer or halting an order. CreditWatchGo attaches verified metadata to every notification:

Primary Source

The London Gazette

Notice ID: 4591023 · Published: 29 Sep 2026

Detection Timestamp

29 Sep 2026, 14:31:00 UTC

Ingested & matched within seconds of publication

Official Registry Link

Direct Source Link Included

One click to inspect the court petition or filed PDF

Limitations & Disclaimers

What CreditWatchGo Does Not Do

Integrity requires clear boundaries. We are committed to transparency regarding our capabilities and legal status:

We do not predict company failure or guarantee debtor solvency

CreditWatchGo detects official statutory events that may indicate heightened financial distress. We do not provide probabilistic failure forecasts or guarantee that a company will not fail unexpectedly.

We do not provide legal, credit rating, or regulated financial advice

CreditWatchGo is an information surveillance and workflow tool. Nothing provided by the service constitutes financial, legal, credit rating, or debt collection advice. Your organisation remains responsible for all commercial credit decisions.

We do not make unilateral automated credit decisions

CreditWatchGo provides the evidence, severity rating, and exposure context required for your finance team to act. We do not automatically alter terms or cancel contracts without your explicit human instruction.

Start With Confidence

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