How FilingIQ scores filing risk
FilingIQ Team16 Jun 20264 min read
Open any company in FilingIQ and the first thing you see is a number between 0 and 100. That score answers one question: how likely is this company to have a filing problem you will need to deal with? This post explains what feeds it — because a risk score you cannot interrogate is a risk score you cannot defend to a client.
What goes into the score
The model reads only the public register. Four families of signal carry the weight:
- Filing punctuality — how early or late accounts and confirmation statements have historically arrived. A company that files in the last 48 hours every year scores worse than one that files with a month to spare, even though both are technically on time.
- Overdue statutory events — anything currently overdue is the strongest single signal and moves the score immediately.
- Strike-off and Gazette activity — an active strike-off proposal or Gazette notice pushes a company straight into the highest band, because the downside is the company ceasing to exist.
- Identity-verification gaps — since ECCTA, unverified directors or PSCs are a forward-looking blocker: they predict a filing problem even when nothing is late today.
How the bands work
Scores map to four bands — low, medium, high and critical — and the bands, not the raw number, drive alerting. Critical means act today: something is overdue, blocked or in the Gazette. High means the trajectory is wrong. The score is recalculated whenever new register data lands for the company, so a filing received this morning is reflected in the book this morning.
What deliberately stays out
No credit-bureau data, no county-court judgments, no web scraping, no machine-learned mystery features. Partly this is principle — everything in the score is information the company itself put on the public record — and partly it is practical: when a client asks why their score moved, you can show them the exact filing that moved it.
A risk score you can explain in one sentence is worth ten points of accuracy you cannot.
The result is a number that behaves less like a credit score and more like a triage flag: it tells you which of your five hundred companies deserve attention this morning, and it can always show its working.