Accountant / agent
Known professional and formation-address patterns reduce concentration-only escalation.
Score explainability
A score is useful only when the user can see why it exists.
SCC Companies House should expose score drivers separately from the combined review-priority score. Institutional users need weightings, confidence, evidence chains and auditability.
1
Filing complianceLate accounts, confirmation statements, strike-off notices and filing acceleration.
2
Accounts stressAccounts status, stress wording and balance-sheet indicators where available.
3
Address concentrationAt-risk share, cluster size and registered-office classification.
4
Charges and lendersOutstanding security, satisfactions, lender recurrence and withdrawal signals.
5
Officer networksOfficer churn, recurrence and prior adverse-event context.
6
Evidence confidenceSource completeness, validation status and module coverage.
False-positive controls
Concentration is classified before it is interpreted.
A high-volume registered office can be benign. The methodology separates address volume from distress concentration and applies peer context before escalating review priority.
Serviced office
High volume is expected; abnormal distress share and movement drive priority.
Distress cluster
Flagged when at-risk share, filing deterioration or adverse outcomes exceed peers.
Unknown cluster
Retained for human review where classification confidence is low.
Layer 1
Full monthly bulk ZIP screen with source hashes and run metadata.
Layer 2
Risk scoring and priority universe extraction with separate driver outputs.
Layer 3
Address concentration, officer-network and charge/lender enrichment.
Layer 4
Public redaction, protected operational outputs and audit evidence retention.
Source attribution
Companies House public-record data is processed into SCC Companies House review-priority indicators with provenance, validation and redaction controls retained for audit.
