Covenant monitoring that doesn't wait for the next review cycle
Charges, insolvency filings, and director changes on a borrower are exactly the kind of events a periodic manual check catches late. RegisterWire alerts your team the moment one happens on any company you're monitoring, delivered by webhook or poll straight into the systems you already use.
Free tier: up to 10 companies. Test instantly against the real pipeline with the simulate endpoint.
Between reviews, a covenant breach can sit unnoticed for months
Credit risk and portfolio teams typically re-check a borrower on a schedule — quarterly, or at renewal. A new charge registered against the business, a director resigning, or the first filing in an insolvency process can all happen well before that next scheduled look, and none of them show up until someone goes looking for them.
Companies House publishes every one of these events, in real time, for free. The catch is the firehose problem: watching even one borrower means holding a permanent connection open to a feed covering every company on the register, and building your own filtering, reconnect, and backoff logic before you see a single useful alert.
The change types that actually matter to a lender
Charges
New or satisfied charges against a company — a direct signal for lenders tracking existing security position.
Insolvency
Administration, liquidation, and other insolvency proceedings, from the first filing.
Directors & officers
Appointments, resignations, and changes to officer details — often a covenant trigger in its own right.
People with significant control
Changes in who controls the borrower, relevant to both credit risk and your own ongoing KYC.
Into your existing systems, not a new dashboard to check
Add borrowers by Companies House number
One API call per company, or script it against your loan book.
Choose which changes trigger an alert
Charges and insolvency events, say, without every routine confirmation statement.
Wire it into your own workflow
A signed webhook into your case-management or credit-risk system, or poll on whatever schedule suits your review process.
Questions from lending & credit risk teams
Does this replace our own credit judgement?
No. RegisterWire surfaces the events that matter — charges, insolvency filings, director and PSC changes — as they happen. What you do with that signal stays a matter for your own credit policy.
How is this different from Companies House's free "Follow" service?
Follow sends a plain email per filing, with no filtering and nothing machine-readable. RegisterWire lets you choose which change categories matter and delivers them by signed webhook or a pollable endpoint your own systems can consume directly.
Can we monitor charges specifically, separately from other filings?
Yes — charges are their own change category, alongside insolvency events, director and officer changes, and people with significant control.
Is this suitable for a whole loan book, not just one borrower?
Yes. Pricing scales by how many companies you're watching, not by feature — see the pricing page for the free, Professional, and Enterprise tiers.
Which covenants the register can actually evidence
Covenants are written in the language of the facility agreement; the register publishes events. Most of the gap between the two is bridged by a handful of predictable mappings.
| Covenant or term | What shows up on the register |
|---|---|
| Negative pledge / restriction on granting security | A new charge registered against the borrower, with the chargee and creation date |
| Change of control | A change in people with significant control — a new controller, a ceased one, or a movement between shareholding bands |
| Cross-default and insolvency events of default | Insolvency filings from the first document: administration, liquidation, appointment of an officeholder |
| Continuity of management / key person | Director and officer appointments, resignations and changes of details |
| Information covenants (accounts filed on time) | Accounts appearing in the filing history, and the company's status moving to overdue when they don't |
| Corporate existence | Company status changes, including strike-off action and dissolution |
Each of these is a separate change category, so a team that only cares about security can watch charges alone and leave the rest off.
Try it against a real borrower, free
No sales call, no procurement process — sign up, add a company, and fire a test event in the next five minutes.
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