Client Base Monitoring

Client Base Monitoring

Reducing Risk Through Real-Time Monitoring

Granting credit is a mathematical equation of risk. Each time you allow a customer to trade on credit, you are effectively lending money.

A credit check at the outset may confirm that everything appears satisfactory at that moment in time — but it offers no certainty about what may happen next. Trading circumstances change. Businesses that were once stable can encounter financial difficulty with little warning.

Our real-time monitoring service is designed to help manage that ongoing risk by alerting you to relevant developments as they occur.

No system can entirely prevent bad debt — just as a fire extinguisher cannot prevent every fire — but effective monitoring provides an additional, low-cost safeguard to help protect the cash flow that runs your business.

Where Our Monitoring Intelligence Comes From

Monitoring intelligence is sourced through the NPD Credit Information Database — a continually expanding resource built and maintained over many years.

Information is gathered from multiple live sources, including:

• Intelligence reported by our existing clients relating to problem accounts
• Data generated by our company search and credit investigation department
• Information obtained through our active debt recovery operations
• Relevant public record information

This combination of live trading intelligence and formal data provides early visibility of potential risk that may not yet be reflected in filed accounts or court records.

Our Three Levels of Monitoring

Basic Monitoring provides early-warning alerts based on any new information received into the NPD Credit Information Database, including:

• Client-reported adverse payment activity
• Intelligence arising from debt recovery instructions
• Data from company searches and investigations

This level is designed to identify emerging risk at the earliest possible stage.

Full Monitoring

Full Monitoring includes all the benefits of Basic Monitoring, together with live public record updates, including:

• County Court Judgments (CCJs)
• Winding-up petitions
• Insolvency filings
• Director changes

This service provides broader visibility where formal action or structural change occurs.

Key Account Monitoring

Key Account Monitoring includes all the features of Full Monitoring, with the addition of:

• A new company credit report emailed to you automatically when newly filed accounts become available at Companies House

This service is designed for customers representing your highest level of exposure.

You choose which customers to monitor — your entire client base, selected higher-risk accounts, or key customers where any deterioration would have a significant impact.

For further information or to discuss costs, please contact us on 020 8665 6666 or email sales@npdandco.com.

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