ICIRED

What ICIRED does

ICIRED is a Spain-based financial data provider founded in 2015 and headquartered in Granada, focused on compiling and distributing information about company payment delinquency. The firm aggregates data on businesses that fail to meet their payment obligations and serves credit risk professionals, creditors, financial institutions, and other parties that need to assess counterparty risk in commercial transactions. ICIRED operates as a small, specialized data service with 11-50 employees and a leadership team led by founder and CEO Enrique Zarza, supported by a commercial director (Luigi Nazzaro), a director general (Rafael Rodríguez Campos), and a technology lead (Jose Martinez Garcia).

The company has raised approximately $3.65 million across three funding rounds (2014, 2019, 2021), most notably a 2019 round of roughly $2.7 million led by Informa D&B and Informa — the parent group of Dun & Bradstreet's Spanish operations — with Everis Group also participating. This investor base places ICIRED within the orbit of the global commercial credit information ecosystem and provides potential distribution channels into broader credit risk and B2B data markets. Industrial Kolmer, an early Spanish industrial group, provided the founding seed capital in 2014.

The business model is not explicitly disclosed in the source data, but the product positioning is consistent with subscription-based or per-query B2B data licensing to financial and commercial counterparties. Specific pricing, customer concentration, revenue figures, and detailed product or technology architecture are not available in the input data, reflecting the limited public information about the firm.

Name

ICIRED

Website

https://iciredimpagados.com

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

11–50 employees

Short description

ICIRED is a Granada, Spain-based financial data provider founded in 2015 that compiles and distributes information on company payment delinquency, serving credit risk professionals, creditors, and financial institutions evaluating counterparty risk.

Ownership category

akta.pro rank

Product category

Business Credit Data

NAICS

Credit Bureaus (561450)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Credit File Dispute Management & Consumer Data Remediation (FSAKAKAI)

Keywords

• Company delinquency data
• Credit risk information
• Business default data
• Payment default tracking
• Commercial credit database

Headquarters

HQ city

Granada

HQ country

Spain

HQ region

Europe

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales

Core offering

ICIRED provides financial data on the delinquency of companies, aggregating and distributing information on payment defaults and unpaid debts of businesses. The service supports credit risk assessment by delivering data on company payment behavior and default records, primarily within the Spanish market.

Differentiator

Problem solved

Functional benefit

Products and services

• Company Delinquency Financial Data Financial data service that provides information on the delinquency and payment defaults of companies, enabling business customers in Spain to assess counterparty credit risk and payment behavior.

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Recent moves4 records

Expansion highlights4 records

Direct peers

• Iberinform: Iberinform, a Crédito y Caución brand, provides business credit information, scoring, and B2B risk reports in Spain and Portugal. It is one of ICIRED's closest direct competitors in the Spanish commercial credit information segment.
• Informa D&B: Informa D&B is the leading business information provider in Spain, offering credit reports, scoring, and commercial data on Spanish companies. It is both a direct competitor and a current investor in ICIRED, making it the closest comparable in product, geography, and customer base.
• Axesor: Axesor is a Spanish business information and credit risk analytics company providing financial data, ratings, and reports on Spanish companies. It overlaps directly with ICIRED's core offering of company delinquency and credit information in Spain.

Broad incumbents

• Allianz Trade (formerly Euler Hermes): Allianz Trade is the global leader in trade credit insurance, offering credit information and risk analytics as part of its services. It serves the same B2B credit decisioning use cases as ICIRED, including in Spain and across Europe.
• Coface: Coface is a global trade credit management company providing business credit insurance and associated risk information. Its credit information services overlap with ICIRED's use cases for supplier risk and B2B credit decisioning.
• Experian: Experian is a global information services company with both consumer and business information services. Its commercial credit information offerings overlap with ICIRED's, particularly in EMEA, although Experian's portfolio is far broader.
• Moody's Analytics (Bureau van Dijk): Moody's Analytics, including the Bureau van Dijk business, provides extensive company information, ownership data, and credit analytics. Its global databases and analytics serve similar B2B credit risk use cases as ICIRED at a much larger scale.
• Dun & Bradstreet: Dun & Bradstreet is a global leader in business credit information, offering extensive data on company creditworthiness, payment history, and risk. It is a broader incumbent operating in the same credit information category as ICIRED, including in Spain.
• CRIF: CRIF is an Italian-headquartered global company providing credit information, scoring, and decisioning solutions across Europe and Latin America. Its commercial credit bureau business serves similar use cases to ICIRED in the Spanish market and beyond.

Emerging players

• Creditsafe: Creditsafe is a digital-native business credit reporting company serving SMEs and larger enterprises with online credit reports globally. Its digital-first approach and SME-friendly pricing mirror the type of positioning ICIRED could pursue to differentiate in Spain.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights4 records

Customer concentration

• Xx.com/icired_es
• Facebookfacebook.com/IciredES
• LinkedInlinkedin.com/company/icired

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds3 records

Investors4 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about ICIRED