# Factline Company Financial Health & Credit Risk

> Factline Company Financial Health & Credit Risk is a paid API for AI agents from factline.dev, paid per call via x402, $0.02/call, status unknown (last checked 2026-10-27).

Returns financial health signals and credit risk verdict (healthy/watch/distressed) for European companies across UK, France, Norway, Finland, and Netherlands.

## Facts

- Endpoint: GET https://factline.dev/v1/company/health?utm_source=zero.xyz
- Price: $0.02/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-27
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/factline-company-financial-health-credit-risk-36682a0a
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_O6Kgf8QRUZ8jERY0Dvjx6

Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently.

## How to call it through Zero

Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`):

```sh
zero fetch --capability factline-company-financial-health-credit-risk-36682a0a
```

Example prompt: Can you check the financial health of Danone — the French company with SIREN 552032534 — and tell me if they're healthy, at risk, or distressed, including their latest turnover and any insolvency history?

## When to prefer this

Choose this endpoint when you need a fast, multi-signal financial health verdict for a European company before entering a business relationship — especially when you need country-specific signals like UK accounts overdue status, French BODACC insolvency, Norwegian bankruptcy, Finnish restructuring, or Dutch KvK-linked insolvency. Prefer over generic company lookup APIs when the output verdict (healthy/watch/distressed) and credit risk framing are needed, not just raw registry data.

## Known failure modes

- Company not found in registry — returns empty or no-match response
- Invalid or unrecognised company number format for the specified country
- Country not supported — only UK, FR, NO, FI, NL are covered
- Stale or missing data if the company has not filed recent accounts
- KvK number required for Dutch insolvency lookup but not provided
- Ambiguous company name match when no registration number is supplied

## How this service works

Company financial health and credit risk signals: accounts, turnover, result, insolvency (UK, France, Norway, Finland, Netherlands). Use to check if a European company is healthy before you deal with it: UK accounts overdue, size band and insolvency history; French headcount, turnover, net result and BODACC insolvency; Norwegian employees, bankruptcy, winding-up and filed accounts; Finnish bankruptcy and restructuring; Dutch insolvency with a KvK number. Verdict healthy, watch, distressed or...

## Output

Returns a structured health verdict (healthy, watch, distressed, or equivalent) alongside country-specific financial signals: for UK — accounts overdue status, size band, insolvency history; for France — headcount, turnover, net result, BODACC insolvency filings; for Norway — employee count, bankruptcy and winding-up status, filed accounts; for Finland — bankruptcy and restructuring flags; for Netherlands — insolvency register status via KvK number.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "$schema": "https://json-schema.org/draft/2020-12/schema",
 "required": [
  "input"
 ],
 "properties": {
  "input": {
   "type": "object",
   "required": [
    "type",
    "method"
   ],
   "properties": {
    "type": {
     "type": "string",
     "const": "http"
    },
    "method": {
     "enum": [
      "GET"
     ],
     "type": "string"
    },
    "queryParams": {
     "type": "object",
     "properties": {
      "id": {
       "type": "string",
       "description": "Or a company number: UK company number, French SIREN, Norwegian org number, Finnish business ID, LEI, etc."
      },
      "kvk": {
       "type": "string",
       "description": "Optional Dutch KvK number: adds the Dutch insolvency register"
      },
      "name": {
       "type": "string",
       "description": "Company name, e.g. Danone"
      },
      "country": {
       "type": "string",
       "description": "ISO country of the company, e.g. GB, FR, NO, FI, NL"
      }
     }
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string"
    },
    "example": {
     "type": "object"
    }
   }
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/factline-company-financial-health-credit-risk-36682a0a/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from factline.dev](https://www.zero.xyz/host/factline.dev/llms.txt)