ClearScore & Heck Food

  • Written By: Ben Mitchell
  • Published: Fri, 05 Oct 2018 14:35 GMT


ClearScore is one of the leading FinTech businesses in the UK. ClearScore offers a free service which lets customers handle everything to do with their credit card in one place, including credit score and the full details of a customer’s credit report. ClearScore also presents customers with a range of financial offers, presenting leading options for taking out a credit card, loan or car finance.

With 4.5 million customers in under two years, ClearScore is one of the fastest growing technology companies in Europe. The firm has a high Net Promoter Score, and regulary beats competitors in independent surveys. Its relevant and innovative product has rapidly grown their customer base, leading to a scale up in staff and the potential for international expansion, as well as awards and plaudits (21 awards won or shortlisted).

ClearScore: “ClearScore wants to make the world of personal finance clearer, calmer and easier to understand. The proposition of ‘Your credit report and score, for free, forever’ could not have been simpler, and gave us a great platform to be able to help everyone in the UK to increase their financial wellbeing.”

Smith & Williamson: “ClearScore have demonstrated exceptional revenue growth. Their innovative product has rapidly grown the customer base, leading to a scale up in staff and the potential for international expansion.”


HECK is a family-run company producing a range of healthier meat products, particularly sausages. HECK started in 2012, and has grown from zero to £8m, creating a market in a competitive sector due to its quirky take on a traditional product.

HECK reaches approximately 2 million customers per year, and is the fastest growing independent food company in the UK. The business has grown to 85 employees, and has recently completed the construction of a 30,000-sq. ft. new factory (giving capacity to build to £40m+ turnover, and employ a further 50+ local employees in Yorkshire). HECK has featured in The Sunday Times Top 100 Fastest Growing Businesses for the last two years running, and is now available in all UK supermarkets.

HECK Food: “The combination of strong functional benefits (including high meat content, small batch production, gluten free and lower calories) with a winning set of emotional benefits (trust, sense of adventure and modernity) have enabled us to occupy a bridge position in the market, encouraging 'standard' shoppers to trade up in quality, and attracting premium shoppers to the brand’s modernity and emotional appeal.”

Smith & Williamson: “HECK Food is clearly scaling well. The company is particularly innovative, sourcing high quality ingredients, and also has developed an impressive and recognisable brand. HECK scored highly on customer engagement through its varied marketing programs, which should stand the company in good stead to continue its growth from here.”

By necessity, this briefing can only provide a short overview and it is essential to seek professional advice before applying the contents of this article. This briefing does not constitute advice nor a recommendation relating to the acquisition or disposal of investments. No responsibility can be taken for any loss arising from action taken or refrained from on the basis of this publication. Details correct at time of writing.

Notes to editors
Smith & Williamson is a leading financial and professional services firm providing a comprehensive range of investment management, tax, financial advisory and accountancy services to private clients and their business interests. The firm’s c1,800 people operate from a network of 11 offices: London, Belfast, Birmingham, Bristol, Dublin (City and Sandyford), Glasgow, Guildford, Jersey, Salisbury and Southampton. Smith & Williamson is part of The Tilney Smith & Williamson Group.

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Entrepreneurs, Scale-up

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