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2. CAMEO Financial Classification

CAMEO Financial is a unique postcode classification for assessing credit risk - a key factor influencing an individual's ability to pay.

2.1 CAMEO Financial Categories

The CAMEO Financial Groups are subdivided into 43 categories for greater discrimination, providing a better understanding of the socio-economic make-up of each group. The following table details the codes and provides descriptions of each category.

CAMEO Financial
Category Code
CAMEO Financial Type
  Lowest Risk
11 Older Semi-Detached Neighbourhoods
12 Wealthy Middle-Aged Professionals
13 Retired Couples
14 Less Affluent Council Tenants
15 Comfortable Terraced Residents
16 Young Professionals & Students
  Very Low Risk
21 Homeowning Families & Couples
22 Affluent Professionals & Managers
23 Retired Couples In Flats
24 Council Flat Tenants
25 Home Owning Mature Neighbourhoods
26 Educated Young Professionals
  Low Risk
31 Older Homeowners
32 Well-Off Professionals
33 Retired Neighbourhoods
34 Poorer Flat Dwellers
35 Terraced Homeowners
36 Young Singles & Cohabitees
  Below Average Risk
41 Older Semi-Detached Residents
42 Affluent Professional Homeowners
43 Retired Couples & Singles
44 Council Flat Residents
45 Less Affluent Families & Couples
46 Professional Singles & Cohabitees
  Average Risk
51 Less Well-Off Homeowners
52 Mature Professionals & Managers
53 Comfortable Retirees
54 Council Tenants
55 Lower Skilled Neighbourhoods
56 Young Educated Neighbourhoods
  Above Average Risk
61 Lower Class Families & Couples
62 Prosperous Families & Couples
63 Older & Retired Households
64 Poorer Council Households
65 Middle-Aged Homeowners
66 Professionals Singles In Flats
  Highest Risk
71 Mortgagees & Council Tenants
72 Professional Families & Couples
73 Older & Retired Flat Residents
74 Poorer Unemployed Neighbourhoods
75 Less Affluent Terraced Neighbourhoods
76 Educated Young Singles
XXX Communal Establishments In Mixed Neighbourhoods

2.2 CAMEO Financial Groups

CAMEO Financial Groups provide seven generic risk types. They give a measure of the risk carried by every postcode in the UK using two significant variables: the value and number of CCJs found within the postcode. The seven group codes available are listed below. Each group has an associated risk factor which is also provided in the table below.

CAMEO Financial
Group Code
CAMEO Financial Group % UK Households Risk Factor - Ratio of CCJs to Households
1Lowest Risk19.52%0% - 0%
2Very Low Risk4.67%0% - 4%
3Low Risk5.90%4% - 6%
4Below Average Risk13.77%6% - 11%
5Average Risk18.21%11% - 20%
6Above Average Risk20.26%20% - 36%
7Highest Risk17.27%36% +