UK Company Intelligence
Companies House shows you the filings. Fulcrums shows you what they mean.
A decision intelligence layer over the UK Companies House registry. 8.5M entities, 7.2M directors and 1.9M charges, processed through 37 forensic signals. Validated on 1.4M unseen companies with 0.866 AUC. Evidence-linked back to source filings.
A fairer view of risk
The old way relies on hoping you noticed in time.
Today
Companies House shows you filings
Every form, every charge, every PSC, in raw chronological order. Useful, but you still have to read it.
With Fulcrums
Fulcrums shows you what they mean
37 named forensic patterns applied to every filing as it lands. Evidence-linked back to the source document.
Today
Bureaus give you a single score
One number, recomputed monthly or quarterly. No way to inspect the components, no way to defend it to a credit committee.
With Fulcrums
We name every signal that fires
Director cascade, charge stack, PSC change. Each pattern has a definition, a trigger and a link to the filing.
Today
Free tools display the data
Companies House, Endole, Company Check. Each one shows you the filings; none of them interpret them.
With Fulcrums
We sit above the data
A decision layer for credit, M&A diligence and insolvency practice. Built by practitioners.
8.5M
UK companies indexed in the live Companies House register.
7.2M
Unique directors, resolved across 26M appointment records.
1.9M
Company charges indexed continuously since 1893.
18.3M
iXBRL accounts parsed at 100%, normalised and queryable.
Validated, not vibes
1.4 million unseen companies. 12× lift in the top 1%.
Trained on 2022 to 2023 filings. Tested on 2024 with a strict forward time-split, no leakage. Reported metrics are from a single fixed validation run, regenerable end-to-end.
8.9%
Top 1% formal-insolvency rate
Within 12 months of scoring. UK base rate: 0.74%.
12×
Lift over UK base rate
Top 1% risk bucket. Top 5% = 6.9×; top 10% = 5.3×.
53%
Of all UK insolvencies captured
By the top 10% of the Fulcrums risk distribution.
0.866
Model AUC
Hard-distress label. 1.4M out-of-time test set.
Tested against real collapses
Tuffnells.
Before the headlines.
A century-old £178M parcel-delivery business that entered liquidation in June 2023. The board cascade and senior-lender charges below all sit on the public Companies House record.
Public Companies House timeline
Tuffnells Parcels Express Limited
Parcel delivery · £178M turnover · Liquidation, June 2023
- Pre-failure CEO resigned
- Pre-failure 3 ALL ASSETS charges to Leumi ABL
- Pre-failure Sales Director resigned
- Pre-failure HSBC ALL ASSETS charge registered
- Pre-failure Finance Director resigned
- Throughout Multiple spike-day event clusters
Distribution
94% of validated cases flagged 12+ months before failure.
All 18 cases, sorted by lead time.
Faded bars hit the 24-month lookback ceiling, so true lead times may be longer.
Read the full case studiesHow it works
We do the digging. You get the receipts.
Three steps. No setup tax. Most teams see live signals on their portfolio inside a week.
- 1
Watchlist your portfolio
Upload by company number, or paste a list. We start monitoring within minutes, daily refresh, no setup tax.
- 2
Signals reach you, not the other way
Risk band changes, charge events, director cascades, pushed to Slack, Teams, email, or your own systems via API.
- 3
Decide with the receipts
Every signal is auditable down to the source filing. Open the company in the GUI and you see the timeline, the network, the financials.
Common questions
Want to know more?
Or just book a 20-minute demo and we'll walk you through your own counterparties.
- What is Fulcrums? +
- Fulcrums is a decision intelligence layer over Companies House. We process every filing across 8.5M UK entities, 7.2M directors, 1.9M charges and 18.3M iXBRL accounts through 37 forensic signals to surface what the filings actually mean.
- How well does the model perform? +
- Validated on 1.4M unseen UK companies with a strict forward time-split (trained on 2022-2023, tested on 2024). The model achieves 0.866 AUC. Companies in our top 1% risk band enter formal insolvency at 8.9% within 12 months, 12 times the UK base rate of 0.74%. The top 10% captures 53% of all UK formal insolvencies.
- What data sources do you use? +
- Public Companies House records only. No insider information. We index every filing across 8.5M UK entities, 26M director appointments (resolved to 7.2M unique people), 18.3M iXBRL accounts and the full charges register going back to 1893.
- Can I integrate Fulcrums with my own systems? +
- Yes. We expose a REST API at /v1/* covering company profiles, risk bands, sector benchmarks and the distress feed, with per-key rate limits and webhooks into Slack and Microsoft Teams.