How Vettit scores risk.
The score is a starting point, not a black box verdict. Vettit is designed so the underlying evidence stays visible and missing disclosure lowers confidence rather than disappearing from view.
Before you pay — is it safe to hand over money?
The supplier lens asks whether the company looks financially stable and well-run enough to be trusted with your payment. Five dimensions are weighted as follows.
Revenue, margins, net assets, and liquidity indicators drawn from filed accounts.
Company age, filing discipline, confirmation statement cadence, and dormancy signals.
Tenure, recent resignations, cross-directorships, and connections to dissolved companies.
Outstanding registered charges, borrowing levels, and whether charges have been satisfied.
SIC code context that sets a sector-level baseline for the score.
Before you invoice — will they actually pay you?
The client lens asks whether the company looks able and likely to pay its suppliers on time. Five dimensions are weighted as follows.
Cash position, working capital, and current ratio from filed accounts.
Official Payment Practices Reporting data and creditor days where available.
Revenue trend, year-on-year consistency, and profit direction.
Director quality, filing compliance, and governance structure.
Company age, sector exposure, and insolvency signals from official records.
What the number means.
Scores run from 0 to 100. Each band represents a different risk profile drawn from the pattern of signals found across public filings and official records.
Lower risk profile with multiple positive signals across the evidence set.
Broadly reassuring. Worth checking specifics before committing to anything large.
Enough questions to warrant a closer look at the underlying evidence before proceeding.
Material concerns visible in the public record. Proceed carefully and consider independent checks.
Serious red flags in public filings. Strong caution is warranted before engaging.
Weak disclosure lowers confidence — it is not hidden.
A completeness percentage is shown alongside every score. When key signals are absent — because a company files micro or abridged accounts, has no payment practices data, or has gaps in its official record — the score reflects that uncertainty. Silence is not treated as reassurance.
Source freshness is also tracked. If an official source could not be refreshed cleanly, Vettit trims the score slightly rather than carrying forward stale confidence.
Patterns in public filings, not judgements.
Red flags are surfaced from patterns Vettit can observe directly in public records. Common triggers include overdue or late-filed accounts, high director turnover in the last twelve months, outstanding or unresolved charges, insolvency history across director appointments, and notices in the Gazette or enforcement registers.
Every flag is shown with its source so you can judge the weight of the evidence yourself. AI narrative is clearly labelled as interpretation and is never treated as primary evidence.