Who we are

We’re on a mission to revolutionise the traditional approach to commercial credit reference scoring in the age of open (and big) data.

Founded in 1998, we set out to provide a definitive way to score financial accounts in order to manage credit risk.

Now, 20+ years later, the HScore tool predicts around 90% of UK public insolvencies in advance and is used widely across banking, insurance and corporate credit functions.

The next 20 years is about embracing the disruption that we brought to market in the 2000s. We’re positioning ourselves to be industry leaders, applying cutting-edge machine learning techniques to new, alternative data sources to deliver unprecedented accuracy for our clients.

In our industry, model introspection and scoring transparency is not just important for our clients’ peace of mind, but is fast becoming a regulatory necessity, leading us to explore techniques at the forefront of AI research.