Director/Officer Character & Financial Scorecard

Enter data in the fields below. Points and decision will auto-calculate.

Identity & Stability

Max 5 points

Sector Experience & Leadership Track

Max 15 points

Governance & Compliance Hygiene

Max 10 points

Public Record & Reputation

Max 15 points

Personal Financial Strength (net worth/leverage)

Max 20 points

Integrity & Conflicts (related-party, transparency)

Max 5 points

Reference Checks (trade/professional)

Max 10 points

Liquidity & Resilience (months of liquid reserves)

0 / 10 points

Income Stability (volatility %)

10 / 10 points

Points deducted from core score based on risk factors.

Current disqualified director

Undischarged bankruptcy

Live IVA/DRO without lender consent

Sanctions match or high-risk PEP unresolved

Fraud investigation substantiated

Unsatisfied personal CCJ(s) in last 24 months (count)

Satisfied personal CCJ(s) in last 24 months (count)

Failed/insolvent companies in last 5 years (count)

Failed/insolvent companies 6-10 years ago (count)

Misuse of company funds for personal use?

Adverse media (credible, unresolved)?

HMRC arrears / TTP status

Habitual late filings/compliance breaches?

Address moves in last 24 months (count)

Bounced personal DDs (last 90 days) (count)

Gambling spend as % of outgoings

Undeclared/shadow directorship?

Core Score10 / 100

Penalty Points-0

Final Score10