Our main data source is Experian. Experian is a leading global information services company that specialises in collecting, analysing, and reporting on credit-related data. Capitalise leverages Experian's extensive database to provide you with a comprehensive view of your business credit information. However, it is important to note that Capitalise does not display all data available from Experian due to data-sharing rules and privacy standards.
Key sources of data for Experian:
Experian gathers your company's information from various sources, with a significant portion originating from Companies House, the official registrar of companies in the United Kingdom.
1. Public records from Companies House:
Companies House is a central government agency that maintains records on all registered companies in the UK. Experian regularly retrieves the following types of publicly available information directly from Companies House:
Company identification:
Company name
Company number
Registered address
Governance and structure:
Current and historical Directors
Secretary details (if applicable)
Financial obligations:
Details of any registered charges ( mortgages or other security interests against company assets)
Information related to insolvency proceedings (if applicable)
2. Ownership records via Companies House:
In addition to core company details, Experian also sources ownership-related information from Companies House filings, including:
Shareholders: details of individuals or entities holding significant shares in the company.
Parent company: information about any ultimate holding company.
Subsidiaries: details of companies controlled by your business.
Limitations in Data Availability
The data displayed by Capitalise is subject to Experian’s data-sharing rules. Certain details, such as specific lender or supplier names and some account-level information, may be filtered, omitted, or restricted. These limitations ensure compliance with privacy standards. As a result, while Capitalise provides valuable insights into business credit profiles, some granular details may not be accessible through the platform and are accessible only through Experian, upon request from a Director only.