The growing importance of Management Accounts

In recent months we have increased our cover by £1bn, helping an estimated 13,000 companies. This was the result of thousands of businesses responding positively to our requests for their most up-to date financial information, so that we could accurately assess the current risks, rather than relying on historical information, which, in a rapidly shifting economic climate, is no longer enough.

Why do we need this information? Put simply, the purpose of trade credit insurance is to  help trade happen, not to prevent it .The more accurate the information we hold, the better we can assess the risk and the greater the likelihood of us being able to underwrite cover on “buyers” (companies that buy products and services on credit from our policyholders.)

Email us your latest financials in confidence

Our Buyer Trade Review process helps us to help you  - if you can show us an improved trading position, our risk assessment is based on the very latest data, improving our chances of underwriting cover..

If you are a buyer and think you can offer us more up to date information than we currently hold on your business, you can submit the information directly to us using our dedicated mailbox This e-mail address is being protected from spam bots, you need JavaScript enabled to view it , set up specifically for this purpose. 

How does it work?

Simply e-mail your latest management information to This e-mail address is being protected from spam bots, you need JavaScript enabled to view it . Once your information has been received, an automatic acknowledgement e-mail will be sent, so you know that it has arrived safely. Within one working week, the information is assessed by our risk underwriting team and a decision is made on whether cover can be reinstated and if so, at what level. This is then communicated to our customer.  Following this and subject to risk capacity being reinstated, they will be invited to re-apply for cover and a decision will be issued.  

Before sending in your information, please read the Q&A below carefully to ensure you can meet the qualifying criteria and provide the correct information

Your Questions Answered

Where to send information?

This e-mail address is being protected from spam bots, you need JavaScript enabled to view it

UK only

Please note this mailbox is only for the use of   UK based companies at present

Qualifying criteria

To qualify, businesses whose suppliers are insured by Atradius must first check that they can provide.

Financial & trading information no more than three months old - in some cases the criteria may even be more stringent than this depending on the sector.)

-          The information must either demonstrate a marked improvement in trading or you will need to be able to explain any discrepancies with a strong business case.

-          Any data submitted will be used in the strictest confidence by the underwriting team to assess the provision of cover and will not be disclosed further.

How is my company identified?

We need to be able to identify your company accurately. To avoid any ambiguity, please ensure your company registration number is included in all communications, or if that isn’t possible, full company address details. 

What happens next?

Once we have the relevant information, our underwriters will review the information to determine whether a credit limit may be reinstated or the original advice given may be upheld.

How will I know if Atradius has received it?

We will email you to let you know that we have received the information 

Will buyers be notified by Atradius of the revised decisions?

We will notify our customers of any positive changes impacting cover on your business, but as the buyer you will not be directly contacted by us. If there are no changes in the levels of cover we can offer, then no notifications will be issued. 

How long will the review process take?

Overall, the review process takes around one week, so in the event of a positive outcome, your supplier should be in touch with you within around 10 working days.   

Can I apply more than once?

If we have recently reassessed you and cover has been declined, we would generally recommend waiting 3 months before resubmitting new information unless the circumstances are exceptional.   

Who will see the information that is submitted and will it be treated confidentially?

All information you provide to us for underwriting purposes is used solely for that purpose and is treated in the strictest confidence.  

What are Buyer Trade Review Meetings?

These meetings are specifically for businesses who have already submitted additional information, whom we invite in for a more detailed discussion to help reach a decision on the provision of cover.