Creditinfo
Creditinfo is a London-headquartered, privately held credit information and risk management provider operating 40+ licensed credit bureaus across 40+ countries in Europe, Africa, and the Caucasus. It serves banks, microfinance institutions, telecoms, central banks, and governments with credit bureau data, scoring, fraud/identity verification, and decisioning software via subscription enterprise contracts.
- Company typePrivate
- Founded1997
- HeadquartersPrague, Czechia
- Headcount251–500
- GTM typeB2B
- OfferingSoftware
What Creditinfo does
Creditinfo is a global credit information and risk management solutions provider founded in 1997 and headquartered in London, United Kingdom, operating approximately 480 employees across 40+ countries on three continents. The company operates 40+ licensed credit bureaus — including BIC-CEMAC (Central African region), BIC-UEMOA (West African Economic and Monetary Union), and KIB Latvia (Latvia's first licensed credit information office, now 100% owned) — delivering millions of credit scores annually and aggregating data spanning tens of millions of contracts and hundreds of millions of company records. Its portfolio spans five core solution categories: Credit Solutions (360-degree creditworthiness analytics), Business Information Solutions (company and trade credit intelligence), Consumer Solutions (individual credit monitoring), Software and Decisioning Solutions (automated decisioning, scorecards, instant decision modules), and Fraud & ID Solutions (identity verification, KYC, and fraud prevention).
Creditinfo's underlying technology combines proprietary credit bureau data, government registries, alternative data sources, and predictive scoring algorithms, delivered through cloud-based platforms with API-first integration into client systems. AI/ML is applied to credit scoring, anomaly detection for fraud (including mule-account and authorized push payment fraud), digital identity attribute modeling across biometric, behavioral, and device signals, and internal LLM use for model documentation and compliance. The company monetizes primarily through subscription-based, multi-year enterprise contracts with banks, microfinance institutions, telecoms, central banks, and governments, supplemented by per-inquiry pricing on bureau data. Distribution combines direct enterprise sales, API integration, regional offices with local teams, and technology partnerships with platforms such as Lucinity, NOTO, Kamoa, and Little App.
The customer base spans over 1 million clients including financial institutions (PwC Iceland, Arion Banki, Origo), emerging market banks and microfinance connected via the CEMAC and UEMOA bureaus, and SMEs and consumers through mobile-first partnerships such as Little App in Kenya. Recent strategic emphasis is on Africa and the Baltics, with three product launches in 2025 (Global Fraud & ID Solution, ESG Hub, Business Information Platform Africa), two new African market entries in 2026 (CEMAC launch, Uganda Fraud & ID rollout), and the April 2026 buyout of the remaining 49% of KIB Latvia. The company is privately held under Compass UK Topco Limited, led by CEO Satrajit Saha and CCO John Cannon.
Creditinfo firmographics
Firmographics- Name
- Creditinfo
- Legal name
- Compass UK Topco Limited
- Website
- https://creditinfo.com
- Company type
- Private
- Founded year
- 1997
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Short description
- Creditinfo is a London-headquartered, privately held credit information and risk management provider operating 40+ licensed credit bureaus across 40+ countries in Europe, Africa, and the Caucasus. It serves banks, microfinance institutions, telecoms, central banks, and governments with credit bureau data, scoring, fraud/identity verification, and decisioning software via subscription enterprise contracts.
- Ownership category
- akta.pro rank
Creditinfo industry classification
Industry- Product category
- Credit Information Services
- NAICS
- Credit Bureaus (561450), Credit Bureaus (56145)
- SIC
- Services-Consumer Credit Reporting, Collection Agencies (7320)
- akta.pro primary industry
- Credit Bureaus & Consumer Credit Reporting Agencies (FSAKAKAA)
- akta.pro secondary industries
- Credit Education, Monitoring & Consumer Credit Management Tools (FSAKAKAJ), Consumer Credit Decisioning & Underwriting Platforms (FSAKAKAG), Alternative Data & Credit Scoring (Cashflow, Telco, Utility, Open Banking) (FSAGAHAC), Credit Score Monitoring & Credit Building (FSAGADAE)
Keywords
Where Creditinfo is headquartered
LocationHeadquarters
- HQ city
- Prague
- HQ country
- Czechia
- HQ region
- Europe
Offices15 records
Markets served
Creditinfo business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- Credit Bureau Services: Core credit bureau operations providing credit reports, scores, and risk data to financial institutions. Revenue generated through subscription and per-inquiry pricing for access to credit information.
- Software and Decisioning Solutions: Decision analytics platforms including scorecards, instant decision modules, and benchmarking tools. Sold as software licenses and subscription services to financial institutions.
- Business Information Solutions: Company data and business intelligence reports for evaluating partners, suppliers, customers, and competitors globally.
- Fraud & Identity Solutions: Identity verification, KYC, and fraud detection services for compliance and risk management.
- PEP and Watchlist Screening: Politically Exposed Person screening and sanctions monitoring integrated into compliance workflows.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Multi-year contract | Enterprise pricing for financial institutions |
Go-to-market motion3 records
Distribution channels5 records
Marketing channels7 records
Creditinfo product offering
Product offeringCore offering
Creditinfo operates credit bureaus and provides credit information, risk analytics, decisioning software, business intelligence, fraud and identity verification, and consumer credit solutions across 40+ countries. The company combines local credit bureau operations with proprietary scoring algorithms, KYC/AML tools, and API-based platforms to enable lenders, governments, and enterprises to assess creditworthiness, detect fraud, and make automated credit decisions.
Product overview
Creditinfo is a global credit information and risk management solutions provider operating a multi-module product portfolio. The core offerings span five main solution categories: Credit Solutions (credit bureau data and 360-degree creditworthiness analytics), Business Information Solutions (company data for partner/customer evaluation), Consumer Solutions (individual credit management and transparency), Software and Decisioning Solutions (automated decision-making platforms including Instant Decision Module, Scorecards, and Advisor), and Fraud & ID Solutions (identity verification, KYC, and fraud prevention). Supporting sub-products include ESG Hub (sustainability data platform for Baltic markets), Business Information Platform Africa (African business intelligence), and CEMAC Regional Credit Information Bureau. The portfolio operates across 40+ countries with 40+ credit bureaus, delivering millions of credit scores annually through cloud-based platforms with API integration capabilities for enterprise clients.
Differentiator
Problem solved
Functional benefit
Brands
- BIC-CEMAC: Regional Credit Information Bureau licensed for the CEMAC (Central African Economic and Monetary Community) region, operated by Creditinfo Central Africa.
- BIC-UEMOA
- KIB Latvia
Products and services
- Credit Solutions Provides a 360-degree view of individual or business creditworthiness leveraging robust credit bureau data and advanced analytics to empower smarter lending decisions. Targeted at financial institutions and lenders.
- Business Information Solutions Provides access to rich, verified company data helping enterprises assess partners, suppliers, customers, and competitors both locally and globally. Enables evaluation, monitoring, and confident business growth.
- Consumer Solutions Helps individuals take control of their financial data, build positive credit history, and access opportunities through transparency in financial inclusion. Includes credit monitoring, credit reports, and credit score access for consumers.
- Software and Decisioning Solutions Automates and scales decision-making with intelligent software for financial institutions, telecoms, and other businesses to make high-quality, data-driven decisions at scale for loan applications, credit risk assessment, and customer information verification.
- Fraud & ID Solutions Verifies identities in real time, detects anomalies in behavior, and identifies fraud risks before they impact business. Includes identity proofing, digital risk signals, and comprehensive international and domestic watchlists for KYC and AML compliance.
- Identity | KYC | Fraud Solution Comprehensive solution combining powerful data, advanced identity proofing, and real-time decisioning for secure customer onboarding. Includes ID Verification, Watchlist Screening, Digital Risk Signals, and Instant Decision Module for KYC and AML compliance in Kenya.
- ESG Hub Baltic region's first pan-regional platform providing banks and businesses instant, standardised access to ESG data aggregated from over 20 public and proprietary sources across Estonia, Latvia, and Lithuania. Delivered via standardised API feed and ready-to-use reports.
- Business Information Platform Africa (BI Africa) Platform providing standardised reports on over one million African companies, with Kenyan users accessing data on 430+ million international firms. Includes Manual Investigation Service for tailored research and is designed to support SMEs and entrepreneurs.
- CEMAC Regional Credit Information Bureau (BIC-CEMAC) Regional credit information bureau operated by Creditinfo Central Africa (CICA) in partnership with BEAC and IFC. Provides credit reports, credit scoring capabilities, and secure technology for six CEMAC countries: Cameroon, Central African Republic, Congo, Gabon, Equatorial Guinea, and Chad.
Quantifiable outcome
- What once took 3-5 working days to verify a potential business partner can now happen in seconds through BI Africa platform
- +1 more outcomes
Companies that use Creditinfo
Customer profileNamed customers7 records
Segments6 records
Ideal customer profiles5 records
Creditinfo technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
AI capability7 records
Feature6 records
Creditinfo partnerships and signals
Strategic signalPartnerships
Twelve partnerships are on record, tiered core, minor and strategic.
- KIB Latvia (AS Kredītinformācijas Birojs)coreCreditinfo completed 100% acquisition of KIB Latvia in April 2026, increasing from 51% to full ownership. KIB Latvia was founded in 2013 as Latvia's first licensed credit information office and serves 200 clients with 15 products. The acquisition enables accelerated investment in advanced data solutions and expanded service offerings including Business Information services, Fraud and Identity solutions.
- SwedbankminorFormer 49% shareholder in KIB Latvia that exited its position as part of the 100% acquisition by Creditinfo Group.
- SEBminorFormer 49% shareholder in KIB Latvia that exited its position as part of the 100% acquisition by Creditinfo Group.
- CitadeleminorFormer 49% shareholder in KIB Latvia that exited its position as part of the 100% acquisition by Creditinfo Group.
- LuminorminorFormer 49% shareholder in KIB Latvia that exited its position as part of the 100% acquisition by Creditinfo Group.
- BEAC (Bank of Central African States)corePartnership with Bank of Central African States (BEAC) to operate the Credit Information Bureau for the CEMAC region (BIC-CEMAC). The official launch was held in Douala on January 20, 2026. BEAC serves as the regulatory authority overseeing the regional credit information infrastructure.
- IFC (International Finance Corporation)strategicTechnical assistance partnership with IFC for the implementation of CEMAC's Regional Credit Information Bureau. IFC provided expertise and support in setting up the regional credit information infrastructure.
- NOTOcorePartnership to deliver fast, data-rich fraud and AML decisioning combining Creditinfo's local data depth with NOTO's real-time risk engine. Enables financial institutions to deploy modern fraud and AML controls without heavy IT implementation. Focuses on stronger KYC and screening, better detection and monitoring, streamlined investigations.
- Little AppcorePartnership integrating Creditinfo's credit bureau data into Little App's pan-African super app, enabling Kenyan users to access their credit reports and monitor credit scores within the app's Financial Services section. Mobile-first solution designed to boost financial inclusion.
- KamoacoreStrategic partnership combining Creditinfo Kenya's regulated credit bureau data with Kamoa's alternative data technology to create more complete credit profiles for individuals and SMEs. Aims to unlock lending opportunities for both banked and underbanked populations in Kenya while improving financial inclusion and SME lending.
- LucinitycoreStrategic partnership integrating Creditinfo's localized KYC data (PEP screening, watchlist monitoring, reliability assessments, UBO insights) directly into Lucinity's AI-driven end-to-end compliance platform. Automates KYC checks during onboarding and ongoing monitoring within a single interface.
- Rob MeakincoreAppointment of Rob Meakin as Director of Fraud & Identity to head up the global Fraud & ID solution service. Brings extensive experience in fraud prevention, identity management, and financial services.
Scale indicators13 records
Recent moves7 records
Expansion highlights6 records
Creditinfo competitors and assessment
Company assessmentDirect peers
- Experian plc: Global credit bureau and information services leader operating across consumer and business credit, analytics, and decisioning. Closest direct competitor to Creditinfo across EMEA and emerging markets, with comparable bureau licensing footprint and decisioning software offerings.
- TransUnion: Global credit bureau with established presence in Africa, Latin America and EMEA. Competes directly with Creditinfo in Africa (TransUnion Africa / Compuscan legacy operations) and offers analogous credit reporting, analytics, and fraud/identity solutions.
- CRIF S.p.A. Italian-headquartered credit bureau and decisioning solutions provider with strong presence in EMEA and CEE. Closest peer to Creditinfo in terms of European footprint, system-of-record credit bureau products, and software-led decisioning strategy.
- Dun & Bradstreet: Global business information and commercial credit reporting provider. Directly comparable to Creditinfo's Business Information Solutions and BI Africa product lines serving trade credit, supplier risk, and corporate KYC.
- Creditsafe: International business credit reporting and decisioning provider active across Europe, North America and APAC. Comparable to Creditinfo's business information and SME credit decisioning offerings, with API-first distribution model.
Broad incumbents
- Equifax Inc. Large global credit bureau with broad consumer and commercial credit information services. Overlaps with Creditinfo on bureau services, analytics, and identity/fraud, though primarily anchored in the US and larger EMEA markets.
- Bureau van Dijk (Moody's): Global business information provider within Moody's Analytics, focused on corporate data and Orbis database. Overlaps with Creditinfo's international reports and business information products on a global scale.
Regional players
- Compuscan (now part of Experian): South African credit bureau historically active across Sub-Saharan Africa. Represents the type of regional bureau competitor Creditinfo faces in African markets, now consolidated under Experian's regional platform.
- Credit Reference Bureau Africa (CRB Africa): Kenyan credit reference bureau serving East Africa. Direct competitor to Creditinfo Kenya for bureau services, scoring, and consumer credit reports in the local market.
- Metropol (CRB Africa Kenya operations): East African credit reference and business information bureau. Overlaps with Creditinfo's Kenya and Uganda bureau operations in consumer credit reporting and KYC/AML data.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
Creditinfo social profiles
Digital presenceCreditinfo compliance and trust
Trust signalCompliance1 record
Creditinfo financial estimates
Financial estimateRevenue estimate
Valuation estimate
Creditinfo leadership team
Management profileNumber of profiles
Profiles11 records
Creditinfo subsidiaries and ownership
Company hierarchySubsidiaries6 records
Creditinfo funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Creditinfo M&A and investment
M&A and investmentM&A2 records
Investments2 records
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Creditinfo
What does Creditinfo do?
Creditinfo operates credit bureaus and provides credit information, risk analytics, decisioning software, business intelligence, fraud and identity verification, and consumer credit solutions across 40+ countries. The company combines local credit bureau operations with proprietary scoring algorithms, KYC/AML tools, and API-based platforms to enable lenders, governments, and enterprises to assess creditworthiness, detect fraud, and make automated credit decisions.
Is Creditinfo a public or private company?
Creditinfo is a private company. It is classified as management employee owned and is currently operating.
When was Creditinfo founded?
Creditinfo was founded in 1997. It employs 251 to 500 people.
Where is Creditinfo based?
Creditinfo is headquartered in Prague, Czechia, in the Europe region.
How does Creditinfo make money?
Five revenue lines are on record. Credit Bureau Services are the primary driver. The others are software and Decisioning Solutions, business Information Solutions, fraud & Identity Solutions and PEP and Watchlist Screening.
Who are Creditinfo's main competitors?
Direct peers on record are Experian plc, TransUnion, CRIF S.p.A., Dun & Bradstreet and Creditsafe. Broad incumbents are Equifax Inc. and Bureau van Dijk (Moody's). Regional players are Compuscan (now part of Experian), Credit Reference Bureau Africa (CRB Africa) and Metropol (CRB Africa Kenya operations).
Does Creditinfo have an API?
Yes. Creditinfo offers API integration enabling financial institutions to automate KYC checks including PEP screening, watchlist monitoring, reliability assessments, and UBO insights across onboarding, ongoing monitoring, and investigations. Institutions can automate checks during onboarding, schedule periodic refreshes, and run on-demand lookups for counterparties. Key KYC indicators such as PEP status are flagged directly in case management and Customer 360 systems via API integration.
What industry is Creditinfo in?
Creditinfo's product category is Credit Information Services. Its primary akta.pro industry code is FSAKAKAA, Credit Bureaus & Consumer Credit Reporting Agencies, with a secondary code of FSAKAKAJ, Credit Education, Monitoring & Consumer Credit Management Tools. Its NAICS code is 561450 and its SIC code is 7320.