Our company
We are the specialist risk, data and analytics consultancy for financial services. 4most is trusted by banks and insurers worldwide to solve complex data, risk and regulatory problems. We’re disrupting the rigid consultancy model, delivering bespoke solutions through a global team who are valued for their individual skills.
Consultants
With a global team working across seven offices in the UK, Northern Europe, India, and the Middle East, we can tailor our approach to your company’s needs.
Actuaries
Boosted by generations of regulatory knowledge and experience.
Satisfaction
In our most recent Client Satisfaction Survey. Our track record speaks for itself.
Employee Owned
That means everyone at 4most has a real stake in our mission.
Think less ‘Big 4’, and more 4most
More to come…
We’re not finished yet. Stay tuned to find out what exciting new projects, milestones and developments we’ve got in store for the near future.
VB Risk Advisory joins 4most
We strengthened our European footprint with the acquisition of VB Risk Advisory, a specialist Dutch risk consultancy with a team strongly aligned with our values. This milestone reinforces our presence in the Netherlands, enhances capabilities in quantitative risk, modelling and analytics, and supports 4most’s continued international growth.
Joining the B Corp movement
4most is certified as a B Corp with a score of 92 (12 more points than required), further reiterating our commitment towards our people and our planet.
A European expansion
4most celebrates opening its latest office location in Amsterdam, as our growing team continues to deliver expert work and knowledge in more and more markets.
Still a great place to work
The Sunday Times names 4most as one of their ‘Best Places to Work’ in 2024, placing us in the top 0.75% of entries! Their feedback highlights our commitment to nurturing an open culture where everyone can thrive.
Destination Dubai and Scotland
After securing our tenth client in the UAE, 4most opens a new office in Dubai, closely followed by a physical office being established in Edinburgh.
More investment incoming
In April 2023, 4most receives substantial investment from Phoenix for its continued growth and expansion, and rewards all existing employees for the growth to date.
200 FTE with a diverse leadership team
4most celebrates hiring our 200th employee. To top it off, more than half of our leadership team is now female!
A physical presence in India
The latest addition to our team joins 4most as Director of 4most India, opening a new office and establishing a dedicated analytics team in Bangalore.
An international expansion
Having grown to become the UK’s largest specialist analytics consultancy, we expand our horizons, launching in the UAE and Europe.
An award-winning culture
Our unique culture is recognised at the Credit Strategy Awards, as 4most wins the ‘Best Company to Work For’ award. We’ll win again in 2020, 2021 and 2023, as well as taking home the same accolade at the Women in Credit Awards in 2021, 2022 and 2023.
One of Europe’s fastest-growing companies
We make the Financial Times’ annual list of Europe’s fastest-growing companies for the first time, coming in at #241. We’ll make the list in 2020 too!
Even more employees, even more invested
In July 2018, we make the bold decision to make all of our employees shareholders. Now every 4moster benefits from our success.
Introducing life insurance
As we look to expand our service offering, we hire a new partner and land our first insurance client in the same breath.
Adapting to IFRS 9
Our growing reputation sees 4most support numerous banks in the UK, Ireland, Canada, UAE and Malaysia to build a range of effective IFRS 9 models.
From employees to owners
After two years of consistent growth, ownership options are issued to all employees — because we believe in sharing the value we create.
4most is born
In May 2011, 4most is founded with four employees. From the very start, we set out to build a progressive and fun place to work, where our people could flourish while being true to themselves.
Trusted to deliver
We believe that long-lasting relationships create the best results. That’s why our first client is still a client today, and why so many others trust us to deliver.
Our clients
Proud to be a B Corp
We’ve always put people before profit. And, in March 2025, we demonstrated our commitment to exceptional social and environmental performance by becoming a certified B Corp.
Learn more
Smarter
Our consultants aren’t just experts. They’re specialists. Specialists who act with integrity and use their knowledge of international markets to find the right answers for you.
Closer
We understand your unique challenges and work alongside you to solve them. Bespoke, collaborative, and flexible — this is consulting with a personal touch.
Fairer
We’ve built an award-winning culture for a reason. Because when everybody has a say and enjoys what they do, it shows.
Stronger
Whether we’re working with you on-site or remotely, our international team excels. We can adapt to any needs, any market, and any challenges.
“4most’s broad range of knowledge and experience made a meaningful contribution to reach our goal of extending credit access to more people.”
Insights
Breaking down the impact of M&A on IFRS 17 reporting: A Comprehensive IFRS 17 Framework for Business Combinations
22 Apr 26 | Insurance
The Renters’ Rights Act: What 2026 holds for landlords’ costs and the impact on buy-to-let (BTL) affordability
09 Apr 26 | Banking
