Q Compliance · AnswerQuay Underwriting Confidence Index
Institutional risk intelligence for modern credit decision-making.
Q Compliance stress-tests business plans against historical forecasting accuracy, live market conditions and structured financial evidence so banks, lenders and institutional partners can assess risk with greater clarity.
Proposed rating tiers · indicative
Claims verified against history with headroom above the stressed covenant.
Bankable after the stress haircut, with a narrower buffer.
Lending only with additional covenants or structure.
Jurisdiction
You are viewing Irish operations.
Switch between Irish and UK operations. Identity, ownership and credit checks follow the registry for your jurisdiction and support a more structured evidence-based assessment.
- Company registry
- Companies Registration Office — CRO number
- Beneficial ownership
- Register of Beneficial Ownership (RBO) — UBOs holding 25% or more
- Credit evidence
- Central Credit Register borrower report attestation
The engine
Three variables, applied to every plan.
01 · Wᵢ · Aᵢ / Fᵢ
16-year historical accuracy audit
Every business plan is benchmarked against a broad historical dataset to assess how accurately outcomes have been forecast in similar conditions.
02 · α
Undertaker precision tier
- Structured credit evidence
- Debt service stress testing
- Financial scenario analysis
03 · β
48–72 hour macro & credit pulse
Live conditions are incorporated to provide a current view of financial pressure and operating risk.
Deliverables
Two outputs, two audiences.
Public
Q Compliance Certificate
A structured certificate designed for a business or borrower to understand the status of its current financial position and risk profile.
Sealed · AQ-NDA-REG
Institutional Audit Annex
A restricted, evidence-led submission intended for banks, lenders and institutional stakeholders seeking deeper underwriting support.
Every plan must clear a stressed debt service coverage ratio of at least 1.35x to be treated as bankable.