Trade Registry data is declared, not verified
Most company registers record what was filed. Nobody at the registry checked whether it was true.
Product · Business onboarding
KYB & UBO Verification
A trade registry tells you what a company declared. Screening tells you whether it is listed. Complead resolves the chain in both directions, aggregates sanctioned holdings across every layer, and shows you the exposure that never appears on any list.
Aggregated
HOLDINGS SUMMED ACROSS THE CHAIN
Both directions
FROM OWNERS TO UP, From SUBSIDIARIES to DOWN
All regimes
Every country which can provide this data, which is part of our data
Continuous
CONTROL CHANGES REACH YOU
Why this matters
The registry tells you what was declared. Screening tells you who is listed. Neither tells you who is in control.
Most company data is self-reported and never verified by the body that holds it. Then the 50 percent threshold that defines a beneficial owner turns out to be the easiest rule in compliance to engineer around: four holders at 24.9 percent, and legally nobody qualifies. The same arithmetic runs the other way in sanctions. An entity owned in the aggregate by designated persons is treated as designated itself, in the US, the EU, the UK and elsewhere, without ever appearing on a list. Two sanctioned shareholders at 30 and 25 percent through a holding company in a third country: your screening comes back clean, and the exposure is real.
The threshold is designed around, in both directions
Four holders are below 25 percent, and no beneficial owner is named. Two sanctioned holders are below 50 percent, and no designation appears. Aggregation is where the exposure lives.
Derivative designation leaves no trace
Blocked-by-ownership entities are not published. The rule generates the status rather than a regulator recording it, so there is no list to screen against.
Control changes without telling you
A stake sold, a director appointed, a new parent inserted. A 45 percent exposure becomes a 55 percent one, and nothing in your file moves until the next review.
How it works
Scroll to advance
Four steps, from a company name to the exposure behind it
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Step 01
Verify what actually exists
The entity is confirmed against official registers and vetted sources, including registration number, status, filing history, and registered address. Every field shows where it came from, because a register recording a declaration is not the same as a verified fact.
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Step 02
Resolve the chain, both ways
Owners, parents, and controlling entities are followed up the chain until natural persons are reached. Subsidiaries and holdings are followed downward. Across jurisdictions, with no fixed depth cap, and with unresolved layers reported as unresolved rather than dropped.
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Step 03
Aggregate, then test
Every party is screened against sanctions, PEP, watchlists, and adverse media. Effective holdings are calculated through the chain and summed by the designated party, then tested against each regime to which you are subject, because the regimes do not agree with each other.
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Step 04
Watch control, not just ownership
Shareholding, directors, status, and filings are monitored continuously. A stake sold, a director appointed, a new parent inserted: each re-runs screening and recalculates the aggregate, because a threshold is crossed without anyone telling you.
complead / verify
- Delta Corp Ltdverified
- JURISDICTIONUK
- REG NO09428817
- STATUSactive
- SOURCECompanies House, direct
complead / resolve
- UPWARD6 layers, 41 parties
- DOWNWARD12 subsidiaries, 4 jurisdictions
- NATURAL PERSONS12
- UNRESOLVED0
complead / screen
- Delta Corp Ltdaggregate 55%
- SDN Petrov30% via Meridian
- EU Kozlov25% direct
- OFACblocked
- UKreview, control test
complead / rate
- Delta Corp Ltdaggregate changed
- NEW SHAREHOLDER31%, layer 2
- SCREENEDSDN match
- AGGREGATE45% → 55%
- STATUSthreshold crossed, case opened
Verify
Resolve
Aggregate
Monitor
Capabilities
What the chain reveals that a list never will
Aggregate ownership, calculated per regime
Effective holdings are computed through every layer and summed by the designated party. The result is then tested against each framework you are subject to, because a structure can be blocked under one and merely reportable under another. The answer you need is the one for the license you hold.
Ownership and control, side by side
Percentage is one test. Directorships, signing authority, nominee patterns, veto rights, and board composition are surfaced alongside it because the EU and UK frameworks turn on control as well as arithmetic, and control does not resolve to a number.
Resolution in both directions
Owners and parents upward until natural persons. Subsidiaries and holdings are downward through the group. Exposure sits on both sides of your customer.
Every party screened, not just listed
Sanctions, PEP, watchlist and adverse media screening runs on every person and entity the chain reveals. A designation at layer five is exposure at layer one.
Coverage that survives a border
Direct register access where registers are authoritative and reachable, licensed sources where they are not. Every field carries its origin, and unresolved layers are reported as gaps rather than silently closed.
Continuous, with the aggregate recalculated
Structure changes are monitored after onboarding. Every change re-screens the new party and recomputes the aggregate, so a threshold crossed by a share sale reaches you rather than your next review.
Product tour
Four screens, and one of them shows a number nobody else calculates
What moved since onboarding
Structure changes on live customers, what was screened as a result, and the effect on the aggregate.
- Ownership, director and status changes
- The new party screened on arrival
- Aggregate recalculated, before and after
- Threshold crossings raised as their own alert
- THIS WEEK 4 changes
- DELTA CORP aggregate 45% → 55%
- ORION LTD director appointed, PEP
- VEGA BV new parent, CY
- ATLAS SA status dissolved
The structure, drawn
Every layer, every holder, every percentage, with the parties that carry risk marked where they sit.
- Every layer, up to natural persons
- Effective holding on each path, not just the direct
- Designated and PEP parties are marked where they sit
- Unresolved layers shown as unresolved
complead / verification
- Delta Corp Ltd6 layers, 41 parties
- L1Meridian Holdings, 60%
- L1Nordic Cap Ltd, 40%
- L3Cyprus trust
- L612 natural persons
- FLAGGED2 designated, 1 PEP
Who actually controls the company
Effective holdings by the designated party, summed through the chain, are tested against every regime to which you are subject.
- Effective holding is calculated through each path
- Summed by designated party, not by shareholding
- Tested per regime, results not collapsed
- Control indicators are shown alongside the arithmetic
complead / ownership
- SDN PETROV 18% × 60% path 30%
- EU KOZLOV 25% direct 25%
- AGGREGATE 55%
- OFAC blocked, aggregate rule
- EU blocked, ownership limb
- UK review, control test
- UN not designated
What sits underneath
Subsidiaries and holdings downward, with the jurisdictions the group reaches.
- Direct and indirect subsidiaries separated
- Jurisdictions the group reaches
- Screening result on every entity below
- Wholly owned entities in high-risk markets flagged
complead / screening
- Delta Corp Ltd12 subsidiaries
- DIRECT5
- INDIRECT7
- JURISDICTIONSGB, NL, CY, AE
- FLAGGED1, AE, 100% held
Data coverage
Two kinds of data, two different clocks
Ownership data moves at the speed of the register that publishes it: some file within days, some annually, some run months behind their own submissions. Sanctions and PEP lists move within minutes. Complead keeps them on separate clocks and shows you both, so a chain retrieved last quarter is not presented as though it were checked this morning.
Registry coverage
Corporate registries
Corporate registries
Direct access where the register is authoritative and reachable, licensed sources where it is not. Every field shows which one produced it.
Shareholding and control
Shareholding and control
Holdings, share classes, directors and signing authority, with effective percentage calculated through each path in the chain.
Filings and documents
Filings and documents
Annual accounts, statutory filings, charges and insolvency records, with the source document attached where the register publishes it.
Freshness
Screen every 15 minutes
Sanctions, PEP, watchlist, and adverse media on every party the chain reveals. Lists move in minutes, even when the register behind the structure moves annually.
Runs on Fusion
Fusion is why a designation at layer five reaches the customer at layer one
A structure chart in a folder is a record. On Fusion the chain becomes part of the customer: every party it reveals is screened, monitored and scored on the same terms as the customer themselves, and the exposure found five layers up lands on the entity you actually onboarded.
This product
Client Screening
Gives every party the chain reveals, including the owners never declared. Takes back a sanctions and PEP position on each one, so a designation at any depth becomes exposure at the top.
Feeds into
Adverse Media
Gives the directors and owners worth searching for. Takes back what is reported about them, because a beneficial owner named in a corruption case is a finding the register will never hold.
You get
Customer Risk Assessment & KYC
Gives aggregate sanctioned holding, PEP presence and jurisdictional spread as scored factors. Takes back the tier, which sets how deep the chain is refreshed and how often.
Transaction Monitoring & Fraud
It gives the group structure, so a payment to a counterparty inside your customer's own ownership chain is recognized as a related-party transfer rather than an ordinary one. Takes back behavior that contradicts the declared structure.
Case study · Corporate bank
Read the case study
A corporate bank found a sanctioned owner behind a clean company
The business verified cleanly against the registry. UBO resolution traced a beneficial owner through a holding company to a PEP with adverse coverage, and the account went to enhanced due diligence before opening.
4 hours → 12 minutes
PER CORPORATE ONBOARDING
6 Layers
RESOLVED AUTOMATICALLY
The company was fine. The owner was the risk. We saw both in one screen.
Head of onboarding, Tom Bank
Integration
One call to verify a company and its owners
Verify the business, resolve ownership and screen every beneficial owner in a single onboarding call.
// verify a company and its owners
POST /v1/kyb/verify "company": "Delta Corp Ltd", "jurisdiction": "GB", "screen_ubos": true
200 OK · verified · 2 UBOs · 1 hit · rating HIGH
// monitor owners for changes
PUT /v1/kyb/monitoring/delta_corp "interval": "15m", "webhook": "https://you.example/kyb-alert"
Verify business owners of customers
Bring a sample of companies. In 30 minutes, you will see them verified, their ownership resolved, and their owners screened.
160+
Countries Checked
No limit
LAYERS RESOLVED
15 min
OWNER SCREENING REFRESH
FAQ
Before you ask us
Is this a sanctions determination?
No. The product calculates and provides evidence of the ownership picture and applies the published tests. Whether a specific structure is blocked in a given jurisdiction is a determination for your compliance function and counsel.
Can we see what the structure looked like at onboarding?
Yes. The chain is retained as it stood, with its sources, dates and the regime tests applied, so the file shows what you knew when you made the decision.
Does monitoring continue after onboarding?
Ownership, directors, status, and filings are monitored continuously. A change re-screens whoever entered the structure and recalculates the aggregate, so a threshold crossed by a share sale raises its own alert rather than waiting for your next review.
How fresh is the company data?
It depends on the register, and we tell you which. Some jurisdictions publish within days, others annually, and some run months behind their own filings. Every record carries its retrieval date and the publication cadence of its source. Screening on the parties runs on a separate clock and refreshes every 15 minutes.
How deep does UBO resolution go?
Until natural persons are reached or the chain provably terminates. There is no fixed depth cap. Effective holdings are calculated through each path, so a party holding 18 percent through a 60 percent parent is recorded at 11 percent, not listed at 18. Layers that cannot be resolved are reported as unresolved rather than omitted.
Can you identify a company that is blocked without being listed?
Effective holdings are summed by the designated party across the whole chain and tested against the threshold. An entity owned in the aggregate by designated persons is surfaced even though no list contains it, which is a case that screening alone will never return.
Do the sanctions regimes not agree with each other?
Not entirely. The aggregation of holdings across multiple designated persons and the weight given to control as distinct from ownership differ across frameworks and remain subject to guidance and case law. Results are shown per regime rather than collapsed into one verdict, with the arithmetic and the control indicators separate, so your compliance function applies the test that binds you.
Are the owners screened?
Every person and entity the chain reveals is screened against sanctions, PEP, watchlists and adverse media, not only the owners your customer declared. A designation at layer five is exposure at layer one.
Do you flag nominees and control that stays below the threshold?
Yes. Directorships, signing authority, nominee patterns, veto rights, and board composition are surfaced alongside percentages because a controller who never crosses 25 percent is still a controller, and the EU and UK tests turn on control as well as arithmetic.
Which registries do you cover?
Direct access where the register is authoritative and reachable, licensed sources where it is closed or unusable. Coverage is listed by country, and each field indicates its origin, so you know what was verified against a register and what came from a provider.
Testimonials
All case studies
What compliance teams say
Complead provides ultimate control via its case management and safelist systems. Automated API operations significantly reduced my team's manual workload.
Using the API we run AML controls automatically and stay compliant, while reducing our team's daily workload.
With Complead we offer fast, easy, secure onboarding. We focus on real risks, not false positives.