Bislab
Bislab is an AI-native Nordic credit risk technology company providing credit scoring, fraud detection, data products, and AI agents via API to banks, lenders, insurers, debt collectors, and telecom/utility firms across Norway, Sweden, and Finland.
- Company typePrivate
- Founded2022
- HeadquartersOslo, Norway
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Bislab does
Bislab is an AI-native credit risk technology company headquartered in Oslo, Norway, that provides credit assessment, fraud detection, and risk management services to Nordic financial institutions, consumer lenders, insurers, debt collectors, and telecom/utility operators. The company operates as a licensed credit information company through its primary entity Bislab AS (Norwegian organization number 929 879 252) and a wholly-owned Swedish subsidiary, Bis Lab Credit Sverige AB, with an additional regional office in Helsinki, Finland. As of 2025 it serves the Norwegian, Swedish, and Finnish markets, with sales coverage extending across the broader Nordic region including Denmark.
The platform is built around four core product lines (Company Credit Rating, Person Credit Rating, Company Data, Person Data) plus three modules (AI Agents, Change Monitoring, Anti-Fraud) and a self-serve Company Portal. It is delivered API-first via REST endpoints with Model Context Protocol (MCP) support, and combines proprietary credit scoring models that achieve ROC scores above 90 against a market standard of approximately 80, more than 100 specialist AI agents that perform autonomous research and decision-support work, and continuous portfolio monitoring that surfaces entity changes in under one hour. Data is aggregated from over 1,000 sources, including Norwegian public registries (Brønnøysundregistrene, Skatteetaten, Statens vegvesen, Statens kartverk), structured financial feeds, news, and live internet signals. The technology stack is documented as C#, Python, Azure, PostgreSQL, and Amazon Neptune.
Revenue is generated through enterprise subscription contracts (annual billing, quote-based) sold via a field sales team covering the Nordic region, complemented by API usage and a self-serve Company Portal for smaller users. Named enterprise customers span banking and financial services (Tietoevry, BankID ecosystem), insurance (Fremtind), debt collection (Amili, Kravia, Remind, Intrum), telecom/utilities (Elmera Group, Happy Bytes, Fjordkraft, Allente, Strawberry), and consumer lending (Okida Finans). The company has raised approximately 50 million NOK across disclosed rounds, with a 2024 round from Sondo Capital and a 2025-08 round of 50 million NOK from Futurum Ventures, ProFounders, and Witzøe at a 305 million NOK post-money valuation.
Bislab firmographics
Firmographics- Name
- Bislab
- Legal name
- Bislab AS
- Website
- https://bislab.io
- Company type
- Private
- Founded year
- 2022
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Bislab is an AI-native Nordic credit risk technology company providing credit scoring, fraud detection, data products, and AI agents via API to banks, lenders, insurers, debt collectors, and telecom/utility firms across Norway, Sweden, and Finland.
- Ownership category
- akta.pro rank
Bislab industry classification
Industry- Product category
- Credit Risk Technology
- NAICS
- Credit Bureaus (561450)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- BNPL Underwriting & Credit Decisioning Platforms (FSAGAIAD)
- akta.pro secondary industry
- Risk, Compliance & Controls for Embedded Finance (KYB/KYC/AML, Fraud, Disputes) (FSAGALAK)
Keywords
Where Bislab is headquartered
LocationHeadquarters
- HQ city
- Oslo
- HQ country
- Norway
- HQ region
- Europe
Offices3 records
Markets served
Bislab business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Infrastructure, Marketing or Sales
Revenue model
- API-based Credit Risk Services: Revenue generated through API access to credit rating, fraud detection, and data products. Company offers subscription or usage-based pricing for API access through robust and user-friendly interfaces. Integration typically takes 3-4 hours with AI-assisted implementation.
- Company Portal Access: Simple and secure logged-in portal for users who want to do credit checks of businesses and individuals directly in browser. Additional service layer for portal-based access complementing API services.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Enterprise API access with full product suite |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels5 records
Bislab product offering
Product offeringCore offering
Bislab is a Nordic fintech company that provides an AI-native credit risk technology platform exposing APIs for credit assessment, fraud detection, and risk management. The platform is designed to serve regulated financial and adjacent industries that need automated, data-driven decisioning on consumer and commercial credit.
Product overview
Bislab is an intelligent credit risk platform offering a comprehensive suite of products for credit assessment and risk management. The core offering consists of Company Credit Rating and Person Credit Rating products for credit scoring, complemented by Company Data and Person Data for granular decision data. AI Agents provide autonomous workflow automation with over 100 live agents. Additional modules include Change Monitoring for continuous portfolio surveillance, Anti Fraud for economic crime detection, and Company Portal for manual credit checks. All products are delivered via API-first architecture with typical integration times of 3-4 hours.
Differentiator
Problem solved
Functional benefit
Products and services
- Credit Assessment API
- Fraud Detection API
- Risk Management Platform
Quantifiable outcome
- 90+ ROC score achieved with credit models on Norwegian persons and businesses (market standard is 80)
- +8 more outcomes
Companies that use Bislab
Customer profileNamed customers9 records
Segments6 records
Ideal customer profiles1 record
Bislab technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability9 records
Feature6 records
Bislab partnerships and signals
Strategic signalScale indicators13 records
Recent moves7 records
Expansion highlights6 records
Bislab competitors and assessment
Company assessmentBroad incumbents
- Bisnode (now Dun & Bradstreet): Bisnode was the dominant Nordic and DACH credit information provider before being absorbed into Dun & Bradstreet. It supplies business credit reports, monitoring, and analytics across the same geography Bislab targets, making it the most directly comparable incumbent for company credit rating and data in the Nordics.
- Experian: Experian is one of the world's largest credit bureaus with consumer and business credit scores, fraud detection, and analytics across banking, lending, and insurance. While its Nordic share is smaller than its UK/US footprint, it competes with Bislab on enterprise credit risk and fraud analytics for large Nordic banks and insurers.
- Equifax: Equifax is a global credit bureau offering consumer and commercial credit information, fraud prevention, and analytics. It competes with Bislab in Nordic enterprise deals as part of a broader portfolio including monitoring and decisioning.
- Arvato Financial Solutions: Arvato Financial Solutions is a Bertelsmann subsidiary offering credit risk management, fraud prevention, and collections across Europe. It competes with Bislab's anti-fraud, monitoring, and collections use cases for European enterprise customers.
Direct peers
- Creditsafe: Creditsafe is a global credit bureau offering business and consumer credit reports, monitoring, and API access with strong Nordic and European presence. It competes head-to-head with Bislab on company credit rating, person data, and continuous monitoring for similar enterprise customers.
- Provenir: Provenir provides AI-powered risk decisioning platforms for financial services, combining data, decisioning, and analytics. Like Bislab, it targets banks, lenders, and fintechs with AI-native credit and fraud decisioning workflows, making it a close functional peer despite its larger US/UK footprint.
Emerging players
- Validis: Validis offers credit data extraction and analytics that turn borrower financial documents (bank statements, accounting data) into lender-ready risk signals. It overlaps with Bislab's AI-driven document and credit assessment capabilities for lenders and debt collectors.
Regional players
- Kredinor: Kredinor is a Norwegian debt collection and credit information company serving banks, lenders, and telecom with credit data and collection services. It overlaps directly with Bislab's debt collection and credit assessment use cases within Norway.
- Eika Kreditt (Eika Gruppen): Eika Gruppen provides credit scoring, data, and banking technology services to Norwegian local banks and the Eika alliance. It is comparable to Bislab as a Norwegian-focused credit information provider serving banking customers.
Others
- Tietoevry Banking (formerly Tieto): Tietoevry is a major Nordic IT services and banking software provider. While primarily a systems integrator, it builds credit decisioning solutions for Nordic banks and is also an enterprise customer of Bislab, making it a relevant adjacent comparable and channel partner.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks7 records
Key highlights7 records
Customer concentration
Bislab social profiles
Digital presenceBislab compliance and trust
Trust signalCompliance1 record
Bislab financial estimates
Financial estimateRevenue estimate
Valuation estimate
Bislab leadership team
Management profileNumber of profiles
Bislab subsidiaries and ownership
Company hierarchySubsidiaries1 record
Bislab funding detail
Funding detailFunding overview
Funding rounds2 records
Investors3 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Bislab M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Bislab
What does Bislab do?
Bislab is a Nordic fintech company that provides an AI-native credit risk technology platform exposing APIs for credit assessment, fraud detection, and risk management. The platform is designed to serve regulated financial and adjacent industries that need automated, data-driven decisioning on consumer and commercial credit.
Is Bislab a public or private company?
Bislab is a private company. It is classified as unknown and is currently operating.
When was Bislab founded?
Bislab was founded in 2022. It employs 11 to 50 people.
Where is Bislab based?
Bislab is headquartered in Oslo, Norway, in the Europe region.
How does Bislab make money?
Two revenue lines are on record. API-based Credit Risk Services are the primary driver. The others are company Portal Access.
Who are Bislab's main competitors?
Broad incumbents on record are Bisnode (now Dun & Bradstreet), Experian, Equifax and Arvato Financial Solutions. Direct peers are Creditsafe and Provenir. Validis is listed as an emerging player. Regional players are Kredinor and Eika Kreditt (Eika Gruppen). Tietoevry Banking (formerly Tieto) is listed as an others.
Does Bislab have an API?
Yes. Bislab offers robust and user-friendly REST APIs for credit assessment, company data, person data, AI agents, change monitoring, and anti-fraud products. APIs are designed for easy integration with full API documentation available. Integration typically takes 3-4 hours according to documentation. AI skills are available for super fast implementation. MCP (Model Context Protocol) is available to bring live credit data directly into own AI projects and agents. Developer documentation is at bislab.io/api-docs.
What industry is Bislab in?
Bislab's product category is Credit Risk Technology. Its primary akta.pro industry code is FSAGAIAD, BNPL Underwriting & Credit Decisioning Platforms, with a secondary code of FSAGALAK, Risk, Compliance & Controls for Embedded Finance (KYB/KYC/AML, Fraud, Disputes). Its NAICS code is 561450 and its SIC code is 6199.