J & S Associates
With over two decades experience in the financial services sector J & S Associates have an enviable depth of knowledge the field of Credit Control, amongst the services available are:
A complete review of your current procedures and after discussion with you we will offer constructive suggestions for any required changes to improve your cash flow and to reduce your debtor days.
Staff training would be provided and would include ledger control, correspondence, telephone techniques and some golden rules of credit control. We firmly believe that it is beneficial to your company to provide this sort of training for both account and sales departments. We believe that it is imperative that a good working relationship exists between both departments and it is our aim to impress upon your staff that a good and effective credit control will improve cash flow and profits, which can only be beneficial to everyone.
For more information we would be pleased to discuss your specific requirements and quote for the training involved.
Various types of credit reports are available covering the United Kingdom and many other countries throughout the world:
Registered Office and Company Profile
Registered number, name, office, previous name and office, legal form, issued capital, date of incorporation, accounts reference date, date of latest accounts, date of latest returns, indicator of changes in Memorandum and Articles of Association, indicator of changes in directors, consumer credit licences, dissolved company indicator, previous searches.
Company Profile with Full Credit
All of the information above plus: appointment of receiver/administrator, latest 20 mortgages/charges (since 1.10.84), voluntary arrangements, winding up petitions, meetings of creditors, resolutions to wind up, appointment of liquidator, winding up orders, Section 652/653 notices, CCJ’s, unsecured creditor details, statement of affairs (for companies in liquidation).
County Court Judgements
Details of any CCJ’s against subject company.
Financial Analysis
The information contained in Company Profile with Full Credit plus, where available: principal activities, parent company, ultimate holding company, trading address, telephone number, directors names, company secretary, auditors, up to 10 years balance sheets and P & L accounts, 23 management/financial ratios and industry financial quartiles.
Status Report
A full report including: company name, telephone number, trading address, legal form, date of incorporation, SIC code (s), previous name (s), registered number and address, principal activities, issued capital, directors’ names and addresses, parent company, ultimate parent company, principal shareholders, foreign subsidiaries,
Accounts reference date, date of latest accounts, date of last annual return, up to 5 years P & L and balance sheet data, salient ratios from the accounts, bankers name and address (where available), summary of public record data, credit opinion, credit rating figure or code.
Status Report plus Risk Index
A full status report as in Status Report plus an assessment of the level of risk under-pinning the value of recommended credit provided in the Status Report. The risk score (out of 100) takes account of size, profitability, margin, rates of return, liquidity, gearing, shareholders funds, asset base, age of accounts, year on year trends, company versus industry sector comparisons, CCJ’s and other detrimental information.
Corporate Risk Narrative
A detailed written analysis of a limited company’s business profile, trading performance and balance sheet strength, plus other relevant items, such as mortgages and charges and credit information, risk index value and credit opinion. An appendix is provided giving a statistical account of the information in the report plus names and addresses of directors.
Standard Payment Performance
The information in this report describes the payment behaviour of the limited company of your enquiry. It details how many days beyond terms it pays its invoices and how this compares to its industry. Also detailed are the number and value of accounts placed for collection, trading terms such as COD or pro-forma. It highlights any account remaining unpaid and gives warning of any other adverse information relating to the company.
Comprehensive Payment Performance
In addition to the information in the standard report this details a 12 month trend for the company and the industry sector, analysis of payment behaviour by size of account and industry payment terms. It also compares the average time taken to settle invoices over the last 3 months and the last 12 months.
Directors and Company Secretaries Database
Search per individual company
Date of incorporation, date of latest accounts, date of latest returns, previous company names, companies previously using current directors, previous directors, company secretary.
Search per individual director – detailed
Individual name plus, where available, date of birth, appointment date, nationality, position, shares, occupation, other directorships both declared and undeclared, home address plus any adverse information, including associations with failed companies.
Non-Limited Business Report
Information provided includes (where available): telephone number, legal form, trading styles (if different), trading address (es), principals’ names, date business commenced, number of employees, bankers and address (where available), trade references, turnover, description of premises, public record data, general history of the business, credit opinion and rating.
Non-Limited Business Credit Search
Details of CCJ’s, bankruptcies, consumer credit licences plus Electoral Roll search on proprietors address where input by user.
Non-Limited Business Profile
Information provided includes (where available): summary profile of the business, adverse data, CCL data, previous searches, full proprietor profile (where individuals details are input).
Non-Limited Credit Profile
Information provided includes (where available): summary profile of the business, adverse data, CCL data, previous searches, full proprietor profile (where individuals details are input).
Non-Limited Full Profile
Information provided includes (where available): summary profile of the business, adverse data, CCL data, previous searches, full proprietor profile, (where individuals are input), payment performance information, payment analysis, risk and credit opinions.
Non-Limited Proprietor Only Search (per proprietor)
Information provided includes (where available): address confirmation, CCJ’s, bankruptcies, Electoral Roll, confirmation and previous business enquiries.
BIGnet International Reports
Detailed status report on your subject company. Countries available: Norway, Sweden, Austria, Italy, Spain, Netherlands, Iceland, Denmark, Switzerland, Finland, Germany, France and the United States.
Republic of Ireland
Limited status reports and Small Business reports on your subject company.
Option One – Credit Rating
Abbreviated Status Report giving registered number, incorporation date, date of latest accounts, number of employees, turnover, profit/loss figure, issued capital and credit rating.
Option Two – Credit Rating / Risk Score
The information contained in 1. above plus a risk index. A scoring system which predicts the likelihood of failure within 12 months.
Option Three – Credit Rating / Adverse Data
The information contained in 1. plus details of any detrimental information held, e.g. CCJ’s, winding- up petitions, charges registered etc.
Option Four – Credit Rating / Snapshot Accounts
The information in 1. above plus snapshot of balance sheet and profit and loss accounts.
Option Five – Searchline Credit Master
Credit rating, Risk index, Registered office address, registration number, date of incorporation, date of latest accounts, issued capital, total assets, net worth, legal form, principal activities, directors, CCJ’s.
Property search enquiries and Land Register reports can also be carried out by using information supplied by a leading firm in this field.
Basic search (judgements, bankruptcies, etc)
Voters Roll
Full search
Written confirmation of telephone search by post
Voters Roll + Basic search (judgements, bankruptcies, etc.) + written confirmation
To discuss how J & S Associates can help your business email enquiries@jandsassociates.com or by using the Request Information link.
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