Credit Risk Index

What counts as "most of your sales"?

Roughly speaking, the customers who together account for the bulk of your revenue, say 70–80%. You don't need to be precise: pick the band that feels closest to your book.

If one or two customers dominate, that's concentrated. If your revenue is spread across many smaller buyers, that's diversified. Concentration is a big driver of trade credit risk. Losing a single major customer matters far more when there are fewer of them.

The Assured Trade Risk Index

What is it? A single number from 1 to 99 summarising how exposed your firm is to trade credit losses, given your customer book and current UK conditions. The score blends a typical-year view (what losses look like in an average year) with a stress-year view (what losses could look like in an unfavourable 5% scenario). A higher score means more exposure on both fronts.

What it isn't. Not a credit rating. Not a forecast. Not a probability. The score is an indicative signal designed to highlight where structuring terms, sizing cover, or revisiting limits matters most.

How it's calculated. The tool runs 10,000 stress scenarios that combine your inputs with:

• Sector default patterns (UK Insolvency Service and Coface data)
• UK macro conditions (GDP, base rate, leading indicators)
• Customer concentration effects
• Payment-term exposure

The "stress downside" figure shown on the results page is what losses could look like in an unfavourable 5% scenario. A directional signal, not a precise forecast.

Data sources: ONS, Bank of England, World Bank, IMF, OECD, ECB, UK Insolvency Service, and Coface. Where live feeds are reachable in your browser, current values are used; otherwise figures are calibrated from the most recent published releases.

This is an indicative tool, not a regulated credit reference output. It's designed to highlight areas worth a deeper conversation. Don't use it as the sole basis for a credit decision. Speak with us for a full assessment.